Investment Option Performance and Applicable Fees and Charges For the Period Ending October 31, 2013 THE PERFORMANCE DATA SHOWN REPRESENTS PAST PERFOR

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1 THE PERFORMANCE DATA SHOWN REPRESENTS PAST PERFORMANCE AND IS NO GUARANTEE OF FUTURE RESULTS. T he investment return a nd principal value of an investment may fluctuate so that when shares/units are redeemed they may be worth more or less than their original cost. Current performance may vary from the performance data quoted. For performance data current to the most recent month-end, visit our website at w ww.massmutual.com/serve. The following table i s intended to provide you with information regarding the investment options in your Plan, including information regarding investment p erformance history, fees and expenses, and any investment restrictions applicable as of the date of this material. For your Plan s variable return investment options, we have additionally provided benchmark information against which each investment option s performance can be compared. F ees and expenses are among many factors to consider when you decide to invest in an option. You may also want to think about whether an investment in a particular option, along with your other investments, fits with your personal circumstances and will help you achieve your investment goals. T he cumulative effect of fees and expenses can substantially reduce the growth of your retirement plan account. Visit the Department of Labor s Web site for an example showing the long-term effect of fees and expenses at 9 W ith respect to mutual fund investment options, this expense ratio is presented as the total annual fund or class operating expenses, before waivers and d isbursements, that have been paid by the fund and stated as a percent of the fund's total net assets. With respect to investment options that are not mutual funds, t he expense ratio is intended to present similar information, but may have been calculated using methodologies that differ from those used for mutual fund i nvestment options. The Operating Expense Ratios presented here do not reflect the effect of the Program and Administration Charge (sometimes referred to as a separate account charge, or a mortality, expense risk and administrative charge ) applicable to your Plan's contract with The Hartford. A Program and Charge may be deducted from the returns on the investment options in the Plan, assessed against participant accounts on a q uarterly basis or paid directly by the plan sponsor to cover certain administrative services under the Plan's contract with The Hartford. For further information, p lease refer to "The Plan's Fees and Expenses." If Plan fees are charged to your account balance, the actual dollar amount will be r eported to you in the calendar quarter following the quarter in which the charge occurs. Please refer to your quarterly account statement for information on any fees actually charged to your account. T he Expense Ratio is intended to reflect the effect of the Program and Administration Charge (sometimes referred to as a "separate account c harge", or a "mortality, expense risk and administrative charge") applicable to your Plan's contract with The Hartford when added to the Gross Expense Ratio for this investment option. A verage annual returns are calculated as a steady compounded rate of return over the period of time indicated. s are historical and include change in share value and reinvestment of dividends and capital gains, if any. T hese performance data reflect the deduction of the Program and Charge applicable to your Plan's Contract with The Hartford, but do not reflect the possible imposition of any redemption fees or charges associated with any withdrawal benefits that may be available through your Plan. S ince inception return is used for funds fewer than 0 years old. The performance returns reflected in this chart are calculated to the inception date of the initial c lass of the fund. The performance returns reflected in this chart with respect to each benchmark investment are calculated to the inception date of the fund share class to which it is being compared.

2 A ny fees described in this section are fees paid directly from your investment in this option (e.g. redemption fees, exchange fees, account fees, purchase fees, transfer or withdrawal fees, or surrender charges). The fund's investments are concentrated in a specific industry or sector, and are subject to greater risk than traditional diversified equity funds. s in foreign securities may involve different and additional risks associated with foreign currencies, investment disclosure, accounting, securitie s regulation, commissions, taxes, political or social instability, war or expropriation. Small company stocks generally have higher risk reward characteristics than large company stocks. Mid Cap stocks generally have higher risk and reward characteristics than large company stocks. Securities rated below investment grade, "BBB", are commonly referred to as "high yield, high risk securities" or "junk bonds." T here are specific Enrollment Book. risks associated with certain investment options. For additional details, please refer to the Option Sheets included in this s in the Possibilities program are available through group variable funding agreements (HL-0, 0NY, HL-, NY) issued by Hartford Life I nsurance Company (Simsbury, CT). Effective January, 0, Hartford Life Insurance Company contracted the administrative servicing of the Contracts to M assachusetts Mutual Life Insurance Company ( MassMutual ). Additionally, effective January, 0 MML Distributors, LLC, an affiliate of MassMutual, replaced Hartford Securities Distribution Company, Inc. as the principal underwriter for the Contracts. Performance does not reflect the deduction of any plan charges which may be assessed to plan participants. 0 T he methodology used by The Hartford in the hypothetical performance calculations for the Janus investment options may differ from the methodology used by J anus. Therefore, the performance returns shown may differ from those provided directly by Janus for the same underlying funds for the same time periods, and m ay differ significantly at a particular point in time. Janus approves of The Hartford's use of an alternative method that is accepted in the industry to calculate hypothetical performance. This table shows only the asset-based fees, charges and expenses associated with the investment choices of the group variable funding agreement. Please refer to t he product prospectus or disclosure documents, as applicable, for information on other fees and charges that may apply to your plan's contract such as a contingent deferred sales charge, annual maintenance fee, and other fees or charges, if applicable. 0 M orningstar, Inc. All Rights Reserved. The information contained herein: () is proprietary to Morningstar and/or its content providers; () may not be copied o r distributed; and () is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.

3 Per $000 Mo. Yr. VARIABLE RETURN INVESTMENT OPTIONS The table below focuses on investment options that do not have a fixed or stated rate of return. T HE PERFORMANCE DATA SHOWN REPRESENTS PAST PERFORMANCE AND IS NO GUARANTEE OF FUTURE RESULTS. The investment return and principal v alue of an investment may fluctuate so that when shares/units are redeemed they may be worth more or less than their original cost. Current performance may v ary from the performance data quoted. For performance data current to the most recent month-end, visit our website at w ww.massmutual.com/serv e. Average Annual BONDS Corporate bonds, U.S. Treasury bills and U.S. government bonds will fluctuate in value, and the return of principal is not guaranteed if sold before maturity. Yr. 0 Yr. Delaware Diversified Income A 0.90% 0.90% $ % -.% - 0.% 9.7%.% /9/997 Intermediate-Term Bond B arclays US Agg Bond TR USD -.0%.09%.7% : N/A Dreyfus Bond Market Index INV Intermediate-Term Bond 0.% 0.% $.0.% -.% -.%.%.% 0//99 B arclays US Agg Bond TR USD -.0%.09%.7% : N/A Eaton Vance Income Fund of Boston A.0%.0% $ 0.0.7%.%.77%.09%.0% 0//97 High Yield Bond B ofaml US HY Master II TR USD.%.0%.7% : N/A

4 Per $000 Mo. Yr. Average Annual Yr. 0 Yr. Loomis Sayles Bond Retail 0.9% 0.9% $ 9.0.9%.0% 7.%.9%.% 0//99 Multisector Bond B arclays US Universal TR USD - 0.%.9%.09% : N/A ASSET ALLOCATION/BALANCED Asset Allocation doesn t ensure a profit or protect against loss. BlackRock LifePath 00 Inst.%.% $.0.7% 7.9% 9.9% 0.%.7% 0//99 Target 0-00 M orningstar Lifetime Moderate 00.79%.%.% : N/A BlackRock LifePath 00 Inst.%.% $.0.9%.%.%.%.07% 0//99 Target 0-00 M orningstar Lifetime Moderate %.%.% : N/A BlackRock LifePath 00 Inst.%.% $.0.%.9%.99%.%.% 0//99 Target 0-00 M orningstar Lifetime Moderate 00.%.97% 9.% : N/A

5 Per $000 Mo. Yr. Average Annual Yr. 0 Yr. BlackRock LifePath Retirement Inst.%.% $.0.9%.0%.7% 9.%.0% 0//99 Retirement Income M orningstar Lifetime Moderate Income.% 9.%.7% : N/A Invesco Equity and Income A 0.% 0.% $.0.9% 0.9%.0%.9% 7.0% 0/0/90 Moderate Allocation M orningstar Moderately Aggr Target Risk 9.7%.%.9% : N/A Janus Balanced T 0.% 0.% $.0.%.% 7.%.7%.% 09/0/99 Moderate Allocation M orningstar Moderately Aggr Target Risk 9.7%.%.9% : N/A LARGE-CAP Stocks fluctuate in value and are subject to more risk than bonds or money market investments. Shares, when redeemed, may be worth more or less than their original cost. Alger Capital Appreciation Institutional I.9%.9% $.90.0%.0% 9.0%.0% 0.7% /0/99 Large Growth R ussell 000 Growth TR USD.0% 7.% 7.70% : N/A

6 Per $000 Mo. Yr. Average Annual Yr. 0 Yr. Calvert Equity Portfolio A.%.% $.0.00%.70%.9%.%.7% 0//97 Large Growth R ussell 000 Growth TR USD.0% 7.% 7.70% : N/A Dreyfus S&P 00 Index 0.% 0.% $.0.%.%.%.7%.9% 0/0/990 Large Blend R ussell 000 TR USD.0%.% 7.% : N/A Invesco Growth and Income A 0.% 0.% $.0.0%.90%.0%.%.0% 0/0/9 Large Value R ussell 000 Value TR USD.9%.0% 7.% : N/A Janus Forty S.0%.0% $ %.7%.%.0% 9.7% 0/0/997 Large Growth R ussell 000 Growth TR USD.0% 7.% 7.70% : N/A

7 Per $000 Mo. Yr. Average Annual Yr. 0 Yr. MFS Value A 0.9% 0.9% $ 9.0.7% 7.% 9.%.9%.% 0/0/99 Large Value R ussell 000 Value TR USD.9%.0% 7.% : N/A PIMCO StocksPLUS Absolute A.0%.0% $ 0.0.%.0%.% 0.9% 9.% 0//00 Large Blend R ussell 000 TR USD.0%.% 7.% : N/A The Hartford Equity Income R.%.% $.0.%.0%.%.%.9% 0//00 Large Value R ussell 000 Value TR USD.9%.0%.% : N/A MID-CAP Mid-cap stocks generally have higher risk and reward characteristics than large company stocks. ClearBridge Mid Cap Core A.%.% $.0.% 9.%.0%.0%.9% 09/0/99 Mid-Cap Blend R ussell Mid Cap TR USD.79% 9.7% 0.% : N/A

8 Per $000 Mo. Yr. Average Annual Yr. 0 Yr. Dreyfus Midcap Index 0.% 0.% $.0.9% 7.0%.% 9.0% 9.9% 0/9/99 Mid-Cap Blend R ussell Mid Cap TR USD.79% 9.7% 0.% : N/A Hartford MidCap HLS IA 0.7% 0.7% $ 7.0.0%.7%.97% 7.% 0.7% 07//997 Mid-Cap Growth R ussell Mid Cap Growth TR USD.9% 0.% 9.0% : N/A P rudential Jennison Mid-Cap Growth.0%.0% $ 0.0.9%.0%.9% 7.9% 0.9% //99 Fund A Mid-Cap Growth R ussell Mid Cap Growth TR USD.9% 0.% 9.0% : N/A Victory Established Value A.0%.0% $ % 7.%.%.7%.% 0//9 Mid-Cap Value R ussell Mid Cap Value TR USD.%.% 0.% : N/A

9 Per $000 Mo. Yr. Average Annual Yr. 0 Yr. SMALL-CAP Small-cap stocks generally have higher risk and reward characteristics than large company stocks. Baron Small Cap.%.% $.0.0% 9.%.%.9% 9.% 0/0/997 Small Growth R ussell 000 Growth TR USD 9.% 9.7% 9.% : N/A ClearBridge Small Cap Growth A.%.% $.0 7.% 7.% 0.0%.% 0.% 07/0/99 Small Growth R ussell 000 Growth TR USD 9.% 9.7% 9.% 7 : N/A Columbia Small Cap Value II A.0%.0% $.00.%.% 7.0%.00% 0.% 0/0/00 Small Value R ussell 000 Value TR USD.%.%.7% : N/A Dreyfus Small Cap Stock Index 0.% 0.% $.0 7.%.90%.%.% 0.% 0/0/997 Small Blend R ussell 000 TR USD.% 7.0% 9.0% : N/A

10 Per $000 Mo. Yr. Average Annual Yr. 0 Yr. Goldman Sachs Small Cap Value A.%.% $.0.% 0.%.7% 7.97% 0.00% 0//99 Small Blend R ussell 000 TR USD.% 7.0% 9.0% : N/A Oppenheimer Main Street Small- & Mid-.0%.0% $.00.% 7.%.97% 7.7%.9% 0/0/999 Cap A Small Blend R ussell 000 TR USD.% 7.0% 9.0% : N/A Prudential Jennison Small Company A.7%.7% $.70 7.%.%.%.% 0.% //90 Small Growth R ussell 000 Growth TR USD 9.% 9.7% 9.% : N/A INTERNATIONAL/GLOBAL s in international stocks involve risks associated with interest-rate and currency-exchange-rate changes as well as with market, economic, and political conditions of the c ountries where investments are made. There may be greater returns but also greater risks than with U.S. investments. International stocks fluctuate in value and may be worth more or less than their original cost. AllianzGI NFJ International Value A.0%.0% $.00.% 9.0%.%.%.% 0//00 Foreign Large Value M SCI ACWI Ex USA Value NR USD 0.7%.0%.0% : N/A

11 Per $000 Mo. Yr. Average Annual Yr. 0 Yr. American Funds EuroPacific Growth R.%.% $.0.%.%.%.%.99% 0//9 Foreign Large Blend M SCI ACWI Ex USA NR USD 0.9%.%.% : N/A Dreyfus International Stock Index I 0.% 0.% $.0.9%.%.0%.% 7.% 0/0/997 Foreign Large Blend M SCI ACWI Ex USA NR USD 0.9%.%.% : N/A 9 MFS International New Discovery A.9%.9% $.90 7.%.9%.9%.97%.% 0/0/997 Foreign Small/Mid Growth : N/A Oppenheimer Global A.%.% $.0.0%.%.0%.%.7% //99 World Stock M SCI ACWI NR USD.9%.7% 7.% : N/A

12 Per $000 Mo. Yr. Average Annual Yr. 0 Yr. Oppenheimer International Growth A.%.% $.0 7.% 0.%.%.% 0.0% 0//99 Foreign Large Growth M SCI ACWI Ex USA Growth NR USD 9.7%.%.% : N/A W ells Fargo Adv Emerging Markets.70%.70% $ % 0.79%.%.%.7% 09/0/99 Equity A Diversified Emerging Mkts M SCI EM NR USD.%.9%.% 0 : N/A SPECIALTY Franklin Utilities A 0.7% 0.7% $ %.0% 0.%.7% 0.% 09/0/9 Utilities S &P 00 Utilities TR.7%.0% 0.% : N/A Hartford Healthcare HLS IA 0.9% 0.9% $ % 0.%.0% 9.%.% 0/0/000 Health S &P 00 Health Care TR.% 7.7% 9.0% : N/A

13 Per $000 Mo. Yr. Average Annual Yr. 0 Yr. Invesco Real Estate A.%.% $.0.7%.% 9.7%.% 0.% //99 Real Estate S &P United States REIT TR USD.%.7% 9.7% : N/A

14 FIXED RETURN INVESTMENT OPTION The table below focuses on investment options that have a fixed or stated return. F ixed st Q 0 nd Q 0 rd Q 0 th Q 0 G eneral Account.00%.00%.00%.00% : T he Declared Rate set forth above is credited through the close of the calendar year on contributions received during the designated calendar quarter. For contributions received prior to 0/0/, the Declared Rate is.00%. Rates quoted are effective annual yields. C ertain special rules apply to the Fixed Account investment option upon contract discontinuance. If your employer discontinues the contract and moves the plan's a ssets to another provider, amounts in the Fixed Account may be subject to a market value adjustment, which may alter the amount paid at d iscontinuance based on the formula set forth in the contract, or may be paid out over a set period of years as specified in the contract. Please contact your employer for more information. Adjustment Provisions/Minimum Guaranteed Rate: T he rate of interest displayed is the current declared rate on an annualized basis and is effective for the term shown above. Your Plan's contract also includes a c urrent minimum guaranteed interest rate ("MGIR") of.00%. For some contracts, the MGIR is set for the life of the contract. For other contracts, the MGIR will be r eset annually using the methodology described in the contract and will be subject to the contract s state of issue non-forfeiture law regarding minimum interest rates or, if no state law exists, the National Association of Insurance Commissioners (NAIC) model non-forfeiture law. F or current information regarding the specific declared and minimum interest rates, associated with this investment option for your plan and contract, please visit w ww.massmutual.com/serve or contact MassMutual at -9-9.