Enclosed is important information about your retirement plan and investment options. Please review this information carefully.

Transcription

1 MassMutual Retirement Services PO Box Kansas City, MO First Last Street Address 1 Street Address 2 City, ST Zip November 21, 2014 Re: Jade Global, Inc 401k PSP Enclosed is important information about your retirement plan and investment options. Please review this information carefully. Sincerely, MassMutual Retirement Services MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) (of which Retirement Services is a division) and its affiliated companies and sales representatives. Springfield, MA (413) RSD1010 C:

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3 Enrollment Form Jade Global, Inc 401k PSP Jade Global, Inc Enter your personal information (Please print clearly) Employee Surviving Beneficiary (attach notice of death form) Alternate Payee (attach a QDRO form) Participant's Name (First, Middle Initial, Last) Participant's Social Security Number (SSN) Street Address Apt. No. Birthdate: mm - dd - yyyy City State Zip ( ) ( ) Daytime Phone Evening Phone Address Marital Status: Married Single or Legally Separated Plan Administrator Use Only (Form cannot be processed without this required information and signature) Hire Date / / Plan Entry Date / / Payroll Frequency: Monthly (12/Yr) Semi-Monthly (24/Yr) Bi-Weekly (26/Yr) Weekly (52/Yr) Years of credited services as of last plan year end: (if this information is NOT provided, MassMutual will assume the employee has completed a year of service for each year since hire date.) As Plan Administrator, I acknowledge receipt, accuracy, completeness including participant's signature. Plan Administrator Signature Date Choose your payroll deduction method Before-Tax Contribution: % of my compensation each pay period for deposit to my before-tax account. Each before-tax contribution amount cannot exceed any applicable limit set by the Plan. In addition, total before-tax contributions to all qualified retirement plan(s) you participate in cannot exceed $18,000 for the 2015 calendar year. Roth Contribution: % of my compensation each pay period for deposit to my Roth account (not to exceed any Roth contribution limits set by the plan; read your summary plan description for more details). If you reach age 50 any time during the calendar year or are over 50, you may be eligible to contribute up to an additional $6,000 as a catch-up contribution for the 2015 calendar year. Please check with your Plan Administrator. Decline Plan Participation: I elect to make no contributions (0%) at this time. I understand I may revoke this election at any time or I may change this election as allowed by the Plan.

4 Enrollment Form Jade Global, Inc 401k PSP Jade Global, Inc Choose one of the investment strategies below Your investment strategies are outlined on the following pages. Choose the selection that works for you. IMPORTANT NOTE: This investment election applies to your rollover and all future contributions. allocation strategies are a convenient way of allocating your account among certain of the plan s individual investment options. Any investment allocation strategies included in these materials are not intended to be investment advice or recommendations to you and may or may not be appropriate for your circumstances. In applying investment allocation strategies to your individual circumstances, you should consider your other assets, income and investments as well as your risk tolerance. If you direct your contributions or current account balance to an investment allocation strategy, your contributions or account balance will be invested in each of the individual investment alternatives in the percentages indicated for the strategy. The plan may offer other investment options not included in the strategies and the individual investment alternatives included in the strategies may also be available on a stand-alone basis. The Portfolio chart lists asset classes, along with their weightings in the allocation strategy.additional investment options may exist that are not included in the portfolio. When selecting your investments, choose only ONE portfolio from any of the strategies, sign the form and you're done OR you can select individual investment options (under Option D) and build your own portfolio. See below for a complete list of options. The investment options available in this plan may change at the direction of the Plan Sponsor. Elections made on this form may be modified to follow the intent of those changes. If you choose investments for only one source group, contributions from other sources will be allocated to those chosen investments. Until you make your investment selection, your contributions will be invested in the Target Asset Allocation Option listed below which has the target retirement date closest to your 65th birthday. If you are near, at or past your 65th birthday, your contributions will be invested in the target asset allocation investment option that shows no target retirement date. Following your enrollment, you will receive a transaction confirmation that will tell you specifically in which Target Asset Allocation Option your contributions have been invested. Subject to certain restrictions, you may redirect your contributions to any other investment option under the Plan at any time. A: Risk-Based Option (If you make a selection here, do not make a selection under any other option.) If you select one of these managed investment options, based on the results of your Investor Profile Quiz, you are almost done! Check the appropriate box and go to Step 4. Risk-Based Options are single solutions that offer professional investment management and monitoring as well as diversification, all in one investment. Pro-Blnd ConTrm (Mnning&Npier) B: Age-Based Option (If you make a selection here, do not make a selection under any other option.) If you select one of these Asset Allocation investment options, based on the date closest to the year you plan to retire, you are almost done! Check the appropriate box and go to Step 4. Target Asset Allocation Options are single solutions that offer professional management and monitoring as well as diversification all in one investment. Each investment option has an automatic process that invests more conservatively as retirement nears and the options are named to coincide with a particular retirement date. Your plan is designed to invest your contributions into one of these options as the default investment based on your date of birth and a projected retirement age of 65. You may always choose new investment options at any time. RetireSMART In Retirement RetireSMART 2010 RetireSMART 2015 RetireSMART 2020 RetireSMART 2025 RetireSMART 2030 RetireSMART 2035 RetireSMART 2040 RetireSMART 2045 RetireSMART 2050 C: Custom Portfolio Option (If you make a selection here, do not make a selection under any other option.) Custom portfolios, based on different risk tolerances, have been arranged using the individual funds available to your plan. The amounts of each individual fund contained in the

5 Enrollment Form Jade Global, Inc 401k PSP Jade Global, Inc different Custom Portfolio options are shown on the right side of the following fund list. Take the Investor Profile Quiz. Using your investment strategy score and projected retirement date, you may choose one portfolio. If you select one of these Custom Portfolio investment options, you're almost done! Check the appropriate box and go to Step 4. If you select one of these Custom Portfolio investment options, you are almost done! Check the appropriate box and go to Step 4. Short Term Conservative Moderate Aggressive Ultra Aggressive D: Individual Fund Option (If you enter selections here, do not make a selection under any other option.) First, select the individual funds in which you wish to invest. Then, enter the percentage of your contributions to be invested in each of those funds in the space provided. Make sure selections are whole percentages and total 100%. When they add up to 100%, you are almost done! Go to Step 4. Options All Contributions Rollover Contributions Short Term Conservative Moderate Aggressive Ultra Aggressive Guaranteed % % 95% 21% 6% 2% - Prm Short-Dur Bond (Babson) % % Sel MetWest Total Return Bond % % 5% 43% 30% 10% - Extnd Duration Bond (Delaware) % % - 3% 2% 2% - Strategic Income (Franklin) % % High Yield (PIMCO) % % Global Bond (Templeton) % % - 3% 2% 2% - Prm Balanced (Babson) % % Pro-Blnd ConTrm (Mnning&Npier % % RetireSMART In Retirement % % RetireSMART 2010 % % RetireSMART 2015 % % RetireSMART 2020 % % RetireSMART 2025 % % RetireSMART 2030 % % RetireSMART 2035 % % RetireSMART 2040 % % RetireSMART 2045 % % RetireSMART 2050 % % Premier Value (OFI Inst) % % - 3% 6% 8% 10% MM S&P500 Index(Northrn Trst) % % - 10% 18% 26% 34% Sel Fndmntl Grwth (Wellington) % % - 2% 3% 4% 5% Sel Blue Chip Growth (TRP) % % - 1% 3% 4% 5% Sel Md Cp Val (NFJ/Systmc) % % - - 1% 2% 1% Mid Cap Index (Nuveen) % % - 2% 6% 6% 7% Mid Cap Gr (Prudntl Jennsn) % % - - 1% 2% 1% Small Cap Value (Franklin) % % - 1% 1% 2% 2% Small Cap Index (Nuveen) % % - 3% 6% 7% 9% Sel Sm Cp Gr (W&RWllngtn/Mnt) % % - 1% 1% 2% 2% Prem Intl Equity (OFI Inst) % % - 4% 9% 14% 17% Global Opportunities (OFI) % % Developing Markets (OFI) % % - 1% 2% 3% 3% Real Estate (American Century) % % - 2% 3% 4% 4%

6 Enrollment Form Jade Global, Inc 401k PSP Jade Global, Inc Options All Contributions Rollover Contributions Short Term Conservative Moderate Aggressive Ultra Aggressive Commodity Stratgy Tot Ret(OFI) % % Gold &Spec Min (Oppenheimer) % % Sign, date and return your forms Please provide your signature and return to your Plan Administrator. After receipt of this form, MassMutual will send you written confirmation once your account is established. I understand I may revoke this election at any time or I may change this election as allowed by the Plan. I understand that the maximum annual limit on contributions is determined under the Plan document and the Internal Revenue Code. Any amounts contributed may be reduced or returned to me as required by these limitations. Participant's Signature Date IMPORTANT NOTE: IF YOU ENROLL BY MAILING THIS FORM TO MASSMUTUAL, BUT THEN SUBSEQUENTLY CHANGE YOUR ELECTIONS THROUGH THE AUTOMATED PHONE LINE OR THE PARTICIPANT WEBSITE, THE MOST RECENTLY DATED ACTIVITY WILL PREVAIL. If you have selected an investment strategy and one or more of the strategy's component investments listed on your form has been replaced, any contributions that would have been invested in that component investment will be invested according to the investment allocation in effect at the time the strategy is implemented and the new component will be listed on your confirmation form. Investors should consider an investment's objectives, risks, charges and expenses carefully before investing. For this and other information, see a fact sheet or the applicable prospectus available from your plan sponsor, on the participant website at or by contacting our Participant Information Center at between 8:00 a.m. and 9:00 p.m. ET, Monday through Friday. Read it carefully before investing. To get the most out of your plan...you may also roll over your eligible distributions from your prior employer's qualified plan Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) [of which Retirement Services is a division] and its affiliated companies and sales representatives. RS2196 ENROLLMENT

7 Beneficiary Form Jade Global, Inc 401k PSP Jade Global, Inc Enter your personal information (Please print clearly) Participant's Name (First, Middle Initial, Last) Participant's Social Security Number (SSN) Street Address Apt. No. Birthdate: mm - dd - yyyy City State Zip ( ) ( ) Daytime Phone Evening Phone Address Marital Status: Married Single or Legally Separated Plan Administrator Use Only (Beneficiary form cannot be processed without your signature) I, the plan administrator, certify that the above information is correct, and if a married participant has designated a non-spouse beneficiary, and the Spouse s signature has not been witnessed by a Notary Public, I also certify that I have witnessed the spouse s signature above agreeing to the designation. Plan Administrator Signature Date

8 Beneficiary Form Jade Global, Inc 401k PSP Jade Global, Inc Designate beneficiary(ies) (Check one box only) A. Spouse Primary Beneficiary: I would like my spouse to receive my entire account balance upon my death. If you are married and you have NOT elected your spouse as sole primary beneficiary, please have your spouse provide consent on the back of this form. Spouse s Name Spouse s Social Security Number (SSN) Spouse s Date of Birth: mm - dd - yyyy B. Non-Spouse or Multiple Primary Beneficiaries: I would like the following person(s) to receive my entire account balance upon my death. (If division is other than equal shares, write in whole percentages totaling 100%.) Beneficiary Name Social Security Number Relationship Percentage Beneficiary Name Social Security Number Relationship Percentage Beneficiary Name Social Security Number Relationship Percentage Beneficiary Name Social Security Number Relationship Percentage Contingent Beneficiary (Optional) % % % % If no Primary Beneficiary listed on the front of this form is alive upon my death, I designate the following person(s) to receive my account balance upon my death: (Must be in whole percentages totaling 100%.) NOTE: MassMutual does not retain Contingent Beneficiary information nor will it be displayed on the participant website. Plan Administrator: Please retain a copy of this form in your files. Beneficiary Name Social Security Number Relationship Percentage Beneficiary Name Social Security Number Relationship Percentage Beneficiary Name Social Security Number Relationship Percentage Beneficiary Name Social Security Number Relationship Percentage % % % % Provide spousal consent (If you are married and you have NOT elected your spouse as sole primary beneficiary, please have your spouse provide consent below.)

9 Beneficiary Form Jade Global, Inc 401k PSP Jade Global, Inc I understand that I have a legal right to a death benefit equal to the participant's entire account balance. I consent to waive that legal right in accordance with the beneficiary designation set forth above. I further understand and acknowledge that if I sign this form, no death benefit will be payable to me except as provided above. I acknowledge that I have a right to limit my consent only to a specific beneficiary and that I voluntarily elect to relinquish such right. Spouse's Signature Date Notary Public's Signature Date Date Commission Expires Sign, date and return your forms Please provide your signature and return to your Plan Administrator. After receipt of this form, MassMutual will send you written confirmation once your account is established. Participant's Signature Date 2014 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) [of which Retirement Services is a division] and its affiliated companies and sales representatives. BENEFICIARY RS2197

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11 Rollover Form Jade Global, Inc 401k PSP Jade Global, Inc Enter your personal information (Please print clearly) Participant's Name (First, Middle Initial, Last) Participant's Social Security Number (SSN) Street Address Apt. No. Birthdate: mm - dd - yyyy City State Zip ( ) ( ) Daytime Phone Evening Phone Address Marital Status: Married Single or Legally Separated Plan Administrator Use Only (Form cannot be processed without this required information and signature) Hire Date / / Payroll Frequency: Monthly (12/Yr) Semi-Monthly (24/Yr) Bi-Weekly (26/Yr) Weekly (52/Yr) I certify that the above Rollover Contribution was an eligible rollover distribution from either a 401(a) qualified plan, 403(a) qualified annuity plan, 401(b) tax-sheltered annuity plan, traditional IRA, or 457(b) government plan. Plan Administrator Signature Date Supply your rollover contribution information TAXABLE PORTION (include investment income) Amount of Rollover Contribution: $ Roth Rollover Please contact your Plan administrator regarding whether or not the type of money you are rolling over is allowed in the plan. Name of Prior Plan: Amount of Rollover Contribution: Roth Contributions $ +Roth Earnings $ = Total Rollover $ Note: Roth Contributions can only be rolled over as part of a direct rollover from a Roth 401(k) plan. Roth IRA Contributions cannot be rolled over to a Roth 401(k) plan. Roth Rollover Information: Complete only one. This is a Roth qualified distribution (I am at least 59½, or the distribution is the result of death or disability the required 5-taxable-year period was satisfied) The Roth contribution start date is: (enter first taxable year in which Roth contributions were made or based upon a previous rollover contribution, if earlier)

12 Rollover Form Jade Global, Inc 401k PSP Jade Global, Inc I certify that this distribution is not (a) one of a series of substantially equal payments payable over my life or single life expectancy or the joint life or joint life expectancies of myself and my designated beneficiary; (b) one of a series of installment payments payable over 10 years or more; (c) all or part of a required minimum distribution; (d) a distribution due to financial hardship; (e) a return of any excess deferrals, excess contributions, excess aggregate contributions or excess annual additions made to the plan; or (f) a deemed distribution due to a loan default. Finally, I certify that this rollover is being accomplished within 60 days of my receipt of the distribution from my prior employer s qualified retirement plan. PAYMENT: Make payable to MassMutual. Include the employee s last 4 digits of the social security number and the new plan's account number on the check. Check attached Wire or Check sent separately to MassMutual Retirement Services by the Prior Plan. Provide a completed Direct Rollover Request form to your Prior Plan Administrator for wiring or mailing instructions. PLEASE CALL: , if you have any questions. MAIL TO: MassMutual Retirement Services, P.O. Box , Kansas City, MO

13 Rollover Form Jade Global, Inc 401k PSP Jade Global, Inc Choose one of the investment strategies below Your investment strategies are outlined on the following pages. Choose the selection that works for you. IMPORTANT NOTE: This investment election applies to your rollover and all future contributions. allocation strategies are a convenient way of allocating your account among certain of the plan s individual investment options. Any investment allocation strategies included in these materials are not intended to be investment advice or recommendations to you and may or may not be appropriate for your circumstances. In applying investment allocation strategies to your individual circumstances, you should consider your other assets, income and investments as well as your risk tolerance. If you direct your contributions or current account balance to an investment allocation strategy, your contributions or account balance will be invested in each of the individual investment alternatives in the percentages indicated for the strategy. The plan may offer other investment options not included in the strategies and the individual investment alternatives included in the strategies may also be available on a stand-alone basis. The Portfolio chart lists asset classes, along with their weightings in the allocation strategy.additional investment options may exist that are not included in the portfolio. When selecting your investments, choose only ONE portfolio from any of the strategies, sign the form and you're done OR you can select individual investment options (under Option D) and build your own portfolio. See below for a complete list of options. The investment options available in this plan may change at the direction of the Plan Sponsor. Elections made on this form may be modified to follow the intent of those changes. If you choose investments for only one source group, contributions from other sources will be allocated to those chosen investments. Until you make your investment selection, your contributions will be invested in the Target Asset Allocation Option listed below which has the target retirement date closest to your 65th birthday. If you are near, at or past your 65th birthday, your contributions will be invested in the target asset allocation investment option that shows no target retirement date. Following your enrollment, you will receive a transaction confirmation that will tell you specifically in which Target Asset Allocation Option your contributions have been invested. Subject to certain restrictions, you may redirect your contributions to any other investment option under the Plan at any time. A: Risk-Based Option (If you make a selection here, do not make a selection under any other option.) If you select one of these managed investment options, based on the results of your Investor Profile Quiz, you are almost done! Check the appropriate box and go to Step 4. Risk-Based Options are single solutions that offer professional investment management and monitoring as well as diversification, all in one investment. Pro-Blnd ConTrm (Mnning&Npier) B: Age-Based Option (If you make a selection here, do not make a selection under any other option.) If you select one of these Asset Allocation investment options, based on the date closest to the year you plan to retire, you are almost done! Check the appropriate box and go to Step 4. Target Asset Allocation Options are single solutions that offer professional management and monitoring as well as diversification all in one investment. Each investment option has an automatic process that invests more conservatively as retirement nears and the options are named to coincide with a particular retirement date. Your plan is designed to invest your contributions into one of these options as the default investment based on your date of birth and a projected retirement age of 65. You may always choose new investment options at any time. RetireSMART In Retirement RetireSMART 2010 RetireSMART 2015 RetireSMART 2020 RetireSMART 2025 RetireSMART 2030 RetireSMART 2035 RetireSMART 2040 RetireSMART 2045 RetireSMART 2050 C: Custom Portfolio Option (If you make a selection here, do not make a selection under any other option.) Custom portfolios, based on different risk tolerances, have been arranged using the individual funds available to your plan. The amounts of each individual fund contained in the

14 Rollover Form Jade Global, Inc 401k PSP Jade Global, Inc different Custom Portfolio options are shown on the right side of the following fund list. Take the Investor Profile Quiz. Using your investment strategy score and projected retirement date, you may choose one portfolio. If you select one of these Custom Portfolio investment options, you're almost done! Check the appropriate box and go to Step 4. If you select one of these Custom Portfolio investment options, you are almost done! Check the appropriate box and go to Step 4. Short Term Conservative Moderate Aggressive Ultra Aggressive D: Individual Fund Option (If you enter selections here, do not make a selection under any other option.) First, select the individual funds in which you wish to invest. Then, enter the percentage of your contributions to be invested in each of those funds in the space provided. Make sure selections are whole percentages and total 100%. When they add up to 100%, you are almost done! Go to Step 4. Options All Contributions Rollover Contributions Short Term Conservative Moderate Aggressive Ultra Aggressive Guaranteed % % 95% 21% 6% 2% - Prm Short-Dur Bond (Babson) % % Sel MetWest Total Return Bond % % 5% 43% 30% 10% - Extnd Duration Bond (Delaware) % % - 3% 2% 2% - Strategic Income (Franklin) % % High Yield (PIMCO) % % Global Bond (Templeton) % % - 3% 2% 2% - Prm Balanced (Babson) % % Pro-Blnd ConTrm (Mnning&Npier % % RetireSMART In Retirement % % RetireSMART 2010 % % RetireSMART 2015 % % RetireSMART 2020 % % RetireSMART 2025 % % RetireSMART 2030 % % RetireSMART 2035 % % RetireSMART 2040 % % RetireSMART 2045 % % RetireSMART 2050 % % Premier Value (OFI Inst) % % - 3% 6% 8% 10% MM S&P500 Index(Northrn Trst) % % - 10% 18% 26% 34% Sel Fndmntl Grwth (Wellington) % % - 2% 3% 4% 5% Sel Blue Chip Growth (TRP) % % - 1% 3% 4% 5% Sel Md Cp Val (NFJ/Systmc) % % - - 1% 2% 1% Mid Cap Index (Nuveen) % % - 2% 6% 6% 7% Mid Cap Gr (Prudntl Jennsn) % % - - 1% 2% 1% Small Cap Value (Franklin) % % - 1% 1% 2% 2% Small Cap Index (Nuveen) % % - 3% 6% 7% 9% Sel Sm Cp Gr (W&RWllngtn/Mnt) % % - 1% 1% 2% 2% Prem Intl Equity (OFI Inst) % % - 4% 9% 14% 17% Global Opportunities (OFI) % % Developing Markets (OFI) % % - 1% 2% 3% 3% Real Estate (American Century) % % - 2% 3% 4% 4% Commodity Stratgy Tot Ret(OFI) % %

15 Rollover Form Jade Global, Inc 401k PSP Jade Global, Inc Options All Contributions Rollover Contributions Short Term Conservative Moderate Aggressive Ultra Aggressive Gold &Spec Min (Oppenheimer) % % Sign, date and return your forms I certify that the above Rollover Contribution was an eligible rollover distribution from either a 401(a) qualified plan, 403(a) qualified annuity plan, 401(b) tax-sheltered annuity plan, traditional IRA, or 457(b) government plan. Participant's Signature Date IMPORTANT NOTE: IF YOU ENROLL BY MAILING THIS FORM TO MASSMUTUAL, BUT THEN SUBSEQUENTLY CHANGE YOUR ELECTIONS THROUGH THE AUTOMATED PHONE LINE OR THE PARTICIPANT WEBSITE, THE MOST RECENTLY DATED ACTIVITY WILL PREVAIL. If you have selected an investment strategy and one or more of the strategy's component investments listed on your form has been replaced, any contributions that would have been invested in that component investment will be invested according to the investment allocation in effect at the time the strategy is implemented and the new component will be listed on your confirmation form. Investors should consider an investment's objectives, risks, charges and expenses carefully before investing. For this and other information, see a fact sheet or the applicable prospectus available from your plan sponsor, on the participant website at or by contacting our Participant Information Center at between 8:00 a.m. and 9:00 p.m. ET, Monday through Friday. Read it carefully before investing Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) [of which Retirement Services is a division] and its affiliated companies and sales representatives. ROLLOVER RS2201

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17 PLAN HIGHLIGHTS These are the highlights of your plan. For additional information, read your Summary Plan Description or ask to see the plan document. If any information here conflicts with the terms of your plan, the plan language governs. JOINING THE PLAN Who is eligible to join the plan? All employees may join the plan to make any employee contributions except:! Employees covered by a collective bargaining agreement! Non-resident aliens with no U.S. earned income! Employees involved in certain mergers and acquisitions transactions You need to be age 18 to elect any employee contributions. MAKING CONTRIBUTIONS What is my pay under the plan? Your plan contains a definition of pay for calculating contribution amounts. Your plan may use different definitions of pay for other purposes. To learn more about what types of compensation are used by the plan, read your Summary Plan Description. How much may I contribute to the plan? The contribution(s) that you may make to the plan are displayed below: DEFERRED SALARY CONTRIBUTIONS 401(k) Through payroll deduction, you may make Deferred Salary contributions up to % of your pay. These contributions consist of pre-tax dollars and earnings on these contributions grow tax-deferred. You may begin making contributions monthly. You may increase or decrease the amount of your contributions monthly. You may stop your contributions any time. The Internal Revenue Service (IRS) limits the total amount of pre-tax contributions you may make each calendar year. For 2014, this limit is $17, If you are age 50 or older any time in the calendar year, you may be able to make additional pre-tax contributions above and beyond normal plan and legal limits. For 2014, you can make up to $5, in additional contributions. This information was provided to and has not been reviewed by MassMutual. Please refer to your summary plan description for more detailed information.if there are discrepancies between descriptions in the summary and information in the relevant plan documents, the plan documents will govern.

18 ROLLOVER CONTRIBUTIONS You may be able to roll over your existing retirement savings into this plan. Consolidating your retirement savings can help you continue benefiting from tax-deferred growth despite any disruptions that may occur during your working life. Maintaining one retirement account also makes it easy for you to track your retirement savings. To learn more about making Rollover contributions to this plan, call and a Retirement Specialist will assist you. Will the company contribute? The company contribution(s) that you may receive are displayed below: EMPLOYER CONTRIBUTIONS DISCRETIONARY COMPANY MATCH CONTRIBUTIONS Each year, your company may make a discretionary match contribution of a portion of the pay you contribute as pre-tax contributions. The Employer s matching contribution shall be determined by the employer with respect to each plan year s eligible participants. Read your Summary Plan Description for more details. QUALIFIED NON-ELECTIVE CONTRIBUTIONS Each year, your company may make Qualified Non-elective contributions. These contributions will grow tax-deferred. Read your Summary Plan Description for more details. MANAGING YOUR ACCOUNT How will I know how much is in my account? You will receive a personal statement quarterly. You may also use your Personal Identification Number (PIN) to access your account by calling FLASH SM (35274) or accessing The Journey SM at 24 hours a day, 365 days a year. You can check your account balance, secure investment performance information, obtain loan information and apply for a loan, make investment changes, or request additional information about the plan. How are my contributions invested? You give investment directions for all of your account, choosing from the investment options your plan provides. To make choosing your investment options easier, your contributions are placed in one or more groups as follows: EE Contribution Deferred Salary ER Contribution Company Match, Qualified Non-elective If you call FLASH SM (35274) or access The Journey SM at these group names are referenced. This information was provided to and has not been reviewed by MassMutual. Please refer to your summary plan description for more detailed information.if there are discrepancies between descriptions in the summary and information in the relevant plan documents, the plan documents will govern.

19 You may change your investment choices daily. You may transfer your existing balance to other investment options daily. If you do not make an investment selection, your contributions will be invested in the SF Guaranteed investment option. Jade Global Inc. Retirement Plan is intended to constitute an IRC 404(c) plan. This means that you "exercise control" over the investments in your account. From the investment options available under your plan, you can choose which investments to put your money in now and you can switch into different investments as your needs change. Complying with IRC 404(c) may relieve plan fiduciaries of liability for any investment losses to your account that are the result of your investment choices. As a plan participant, you are entitled to request certain information about your plan s investments, including: the annual operating expenses of each investment; financial statements, reports, or other materials relating to the plan s investments; a list of assets contained in each investment portfolio; the value of those assets and fund units or shares; and the past and current performance of each investment. How does vesting (ownership) apply to my account? Plans set a vesting schedule to determine what percentage of ownership you can apply to your account at specific points in time. You are always 100% vested in any Deferred Salary, Qualified Non-elective contributions, plus earnings. Your plan s vesting schedule applies to the following contributions, plus earnings: Years of Service Vested Percent 0 0% 1 0% 2 20% 3 40% 4 60% 5 80% 6 100% Your years of service for vesting purposes begin on your date of hire. If you die, become disabled or reach normal retirement age, you will become 100% vested in all contributions your company makes to the plan, plus earnings. TAKING A DISTRIBUTION When may I withdraw money from the plan? The plan is designed to help you save for retirement. So, the IRS has placed restrictions on when you may withdraw money from the plan. You may withdraw money from your account at: Termination You may receive your vested account balance. Additional requirements may apply. Normal Retirement Age 59 Disability Retirement Disability is determined based on the Social Security definition of disability. This information was provided to and has not been reviewed by MassMutual. Please refer to your summary plan description for more detailed information.if there are discrepancies between descriptions in the summary and information in the relevant plan documents, the plan documents will govern.

20 Death Your account balance will be paid to your designated beneficiary. Your plan may allow withdrawals of certain contributions and earnings while you are employed. Your Summary Plan Description provides more details about distributions, including important tax information on the forms of benefit your plan offers. May I take out loans from the plan? You may borrow money from the plan by taking 1 loan. Your maximum loan balance may not exceed the lesser of: one half of your vested account balance or $50, You may not initiate a loan for less than $1, Your loan is secured by your remaining account balance. You must repay all loans within 5 years. However, if you use the loan to acquire your principal residence, you may repay the loan within 30 years. The interest rate on your loan will be the prime rate +1.00%. You pay back the principal and interest directly to your account through payroll deduction. If you don t repay your loan, the IRS considers the unpaid amount to be taxable payment made to you. Plan Representatives for Education, Asset Allocation Assistance and Rollovers: Zachary Golen Toll Free (888) x 3016 Fax (610) zgolen@financialguide.com First Financial Group 2 Bala Plaza Suite 901 Bala Cynwyd, PA John M. Novak Toll Free (888) x 3014 Fax (610) jmnovak@financialguide.com First Financial Group 2 Bala Plaza Suite 901 Bala Cynwyd, PA This information was provided to and has not been reviewed by MassMutual. Please refer to your summary plan description for more detailed information.if there are discrepancies between descriptions in the summary and information in the relevant plan documents, the plan documents will govern.

21 Plan: Jade Global, Inc 401k PSP Account Number: Subscription: Jade Global, Inc Created: 06/07/2014 You are a participant or beneficiary in an individual account plan that allows you to direct the investment of your account balance. This disclosure statement is designed to provide you with information that will allow you to make informed decisions when selecting and managing your investments. This disclosure statement advises you of information regarding fees and expenses associated with your participation in the Plan. The General Plan Information section provides information regarding the operation of the Plan. The Comparative Chart section provides information about the Plan's designated investment alternatives including investment performance, operating expenses, fees, trade restrictions, and an industry benchmark relative to each non-fixed interest investment to help you make investment decisions. If the Plan has target date or life cycle investment allocation alternatives, this disclosure statement will include a Target Date Asset Allocation Alternatives section providing information on how the investment allocation will change over time, when it will reach its most conservative asset allocation, the relevance of any dates used to describe the investment and the participant age groups for whom the investment alternative is designed. If your Plan's administrative expenses could be deducted from your account balance, this disclosure statement will include an Administrative Expenses section. The Administrative Expenses section provides information regarding charges for administrative expenses incurred on a Plan-wide basis that may be deducted from your account. An Individual Expenses section regarding individual expenses that may be deducted from your account, will also be included in this disclosure statement if the Plan charges participants and beneficiaries for the expenses associated with individual transactions. Please be mindful that: An investment's past performance is no guarantee of future results. To help achieve long-term retirement security, you should give careful consideration to the benefits of a well-balanced and diversified investment portfolio. Fees are only one of several factors you should consider when making investment decisions. For more information and an example demonstrating the long-term effect of fees and expenses, please visit: and General@Plan@Information :::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Instructions: In order to direct your Plan investments, you must make your election at or contact the MassMutual Participant Information Center at If you are currently not participating in the Plan and have questions concerning plan provisions, including eligibility requirements, contact Ms. Shalini Bhojwani at (408) or 1731 Technology Drive Suite 350, San Jose CA Limitations on Instructions: You may give investment instructions on any day the New York Stock Exchange is open for business. Any trade restrictions specific to an individual investment alternative will be listed in the Comparative Chart.

22 :::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: If the Plan offers publicly traded employer securities as a designated investment alternative, certain discretionary transactions requested by participants who are officers, directors, or principal stockholders that involve employer securities will have trading restrictions imposed as additional reporting of those transactions is required. Designated Alternatives (DIA): The Plan provides designated investment alternatives into which you can direct the investment of your Plan funds. The Comparative Chart below identifies these designated investment alternatives and provides information regarding the alternatives. Manager: For information regarding the designated investment manager for the Plan (if any), please contact your Plan Sponsor. Glossary of Terms: Please visit for a glossary of investment terms relevant to the investment options under this Plan. This glossary is intended to help you better understand your options. Comparative@Chart: ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: This section includes important information to help you compare the investment alternatives offered under your Plan. If you want additional information about your investment options, you can go to the specific Internet web site addresses shown below or you can contact the MassMutual Participant Information Center at If you are currently not participating in the Plan, contact Ms. Shalini Bhojwani at (408) or 1731 Technology Drive Suite 350, San Jose CA To help achieve long-term retirement security, you should give careful consideration to the benefits of a well-balanced and diversified investment portfolio. Spreading your assets among different types of investments can help you achieve a favorable rate of return, while minimizing your overall risk of losing money. This is because market or other economic conditions that cause one category of assets, or one particular security, to perform very well often cause another asset category, or another particular security, to perform poorly. If you invest more than 20% of your retirement savings in any one company, industry or class of investment, your savings may not be properly diversified. Although diversification is not a guarantee against loss, it is an effective strategy to help you manage investment risk. In deciding how to invest your retirement savings, you should take into account all of your assets, including any retirement savings outside of the Plan. No single approach is right for everyone because, among other factors, individuals have different financial goals, different time horizons for meeting their goals, and different tolerances for risk. It is also important to periodically review your investment portfolio, your investment objectives, and the investment alternatives under the Plan to help ensure that your retirement savings will meet your retirement goals. Document Summary This section focuses on the performance of investment alternatives that have a fixed or stated rate of return. The chart shows the annual rate of return of each such alternative, the term or length of time that you will earn this rate of return and other information relevant to performance. 2

23 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Name of Type of Inception Date Manager Profile CASH Guaranteed STABLE VALUE MassMutual wwwrs.massmutual.com/ff/rm3500.pdf Fixed Return s Annual Rate of Return Term Shareholder-Type Fees, Restrictions and Other 3.00% Semi-annually The rate of return listed was effective beginning on 01/01/2014, is reset Semi-annually, and is calculated net of certain contract expenses. Under the terms of your group annuity contract, there is a guaranteed minimum gross interest rate of 3.00%. Although the gross rate of return provided under the contract will never fall below 3.00%, the net rate of return may, in some instances, be less than 3.00% after applicable expenses are deducted from the contract. Current rate of return information is available by contacting the MassMutual Participant Information Center at If you are currently not participating in the Plan, contact Ms. Shalini Bhojwani at (408) or 1731 Technology Drive Suite 350, San Jose CA This section focuses on the performance of investment alternatives that do not have a fixed or stated rate of return. The chart shows how these alternatives have performed over time and allows you to compare them with an appropriate benchmark for the same time periods. Past performance does not guarantee how the investment alternative will perform in the future. Your investment in these alternatives could lose money. Information about an investment alternative's principal risks is available on the Profile. You can obtain a specific Profile using the web site address provided for the specific investment alternative in the Comparative Chart. This chart also shows fee and expense information for the investment alternatives under your Plan. It shows the Total Annual Operating Expense which are expenses that reduce the rate of return of the investment alternative. Any shareholder-type fees are also disclosed. These fees are in addition to Total Annual Operating Expenses. Expense information is reflected as of the date of this report and may change over time. Please note that expense information for each investment alternative reflected on the Profile is updated from time to time. Please see the Profile which includes current expense information as well as the date the expenses were most recently updated. 3

24 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Variable Return s Fees and Expense Information Name of Type of Inception Date Manager Profile BOND Prm Short-Dur Bond (Babson) SHORT TERM BOND 05/01/1989 MassMutual Premier wwwrs.massmutual.com/ff/rm3508ar.pdf Select PIMCO Total Return INTERMEDIATE TERM BOND 01/01/1999 MassMutual Select wwwrs.massmutual.com/ff/l9396.pdf Extnd Duration Bond (Delaware) LONG TERM BOND 10/01/1998 Delaware s wwwrs.massmutual.com/ff/deerx.pdf Strategic Income (Franklin) MULTI SECTOR BOND 01/01/1999 Franklin/Templeton wwwrs.massmutual.com/ff/fksrx.pdf Average Annual Total Return as of 05/31/ Year 5 Year 10 Year or *Since Fund Inception if less than 10 years 1Year 5 Year 10 Year or *Since Fund Inception if less than 10 years 1.17% 3.67% 3.73% 0.75% 1.22% 2.72% Barclays US Govt 1-3 Yr 1.47% 5.41% 5.48% 2.71% 4.97% 4.99% Barclays US Agg Bond 7.76% 14.97% 9.37% 7.72% 12.34% 7.65% Barclays Long US Corp. Index 4.77% 8.87% 6.73% 2.71% 4.97% 4.99% Barclays US Agg Bond Gross Total Annual Operating Expenses As a % Per $1000 Net Total Annual Operating Expenses** Shareholder-Type As a % Per $1000 Fees, Restrictions and Other 0.96% $ % $9.60 Transfers In are not allowed 1.10% $ % $ % $ % $ % $ % $

25 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Variable Return s Fees and Expense Information Name of Type of Inception Date Manager Profile High Yield (PIMCO) HIGH YIELD BOND 01/01/1993 PIMCO Funds wwwrs.massmutual.com/ff/phyrx.pdf Global Bond (Templeton) INTL/GLOBAL BOND 01/01/1999 Franklin/Templeton wwwrs.massmutual.com/ff/fgbrx.pdf ASSET ALLOCATION Prm Balanced (Babson) ASSET ALLOCATION/LIFESTYLE 10/15/1987 MassMutual Premier wwwrs.massmutual.com/ff/rm3510ar.pdf Pro-Blnd ConTrm (Mnning&Npier) ASSET ALLOCATION/LIFESTYLE 01/01/2001 Manning & Napier wwwrs.massmutual.com/ff/mncrx.pdf Average Annual Total Return as of 05/31/ Year 5 Year 10 Year or *Since Fund Inception if less than 10 years 1Year 5 Year 10 Year or *Since Fund Inception if less than 10 years 6.02% 12.72% 7.40% 7.90% 14.44% 9.12% Barclays US Corp High Yield 3.81% 7.84% 8.88% 7.21% 3.39% 4.80% Citi WGBI Non-USD 12.43% 12.52% 6.26% 20.45% 18.39% 7.77% S&P 500 Index 7.98% 7.84% 5.88% 12.83% 12.26% 6.53% Lipper Balanced Index Gross Total Annual Operating Expenses As a % Per $1000 Net Total Annual Operating Expenses** Shareholder-Type As a % Per $ % $ % $11.50 Fees, Restrictions and Other 1.14% $ % $11.30 Transfers not allowed between 2:30 p.m. and 4 p.m. ET each day 1.24% $ % $ % $ % $

26 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Variable Return s Fees and Expense Information Name of Type of Inception Date Manager Profile RetireSMART In Retirement ASSET ALLOCATION/LIFECYCLE 12/31/2003 MassMutual Select wwwrs.massmutual.com/ff/rm3633ar.pdf RetireSMART 2010 ASSET ALLOCATION/LIFECYCLE 12/31/2003 MassMutual Select wwwrs.massmutual.com/ff/rm3634ar.pdf RetireSMART 2015 ASSET ALLOCATION/LIFECYCLE 04/01/2010 MassMutual Select wwwrs.massmutual.com/ff/l9224.pdf RetireSMART 2020 ASSET ALLOCATION/LIFECYCLE 12/31/2003 MassMutual Select wwwrs.massmutual.com/ff/rm3635ar.pdf RetireSMART 2025 ASSET ALLOCATION/LIFECYCLE 04/01/2010 MassMutual Select wwwrs.massmutual.com/ff/l9229.pdf Average Annual Total Return as of 05/31/ Year 5 Year 10 Year or *Since Fund Inception if less than 10 years 1Year 5 Year 10 Year or *Since Fund Inception if less than 10 years 7.07% 8.73% 4.96% 2.71% 4.97% 4.99% Barclays US Agg Bond 8.84% 10.41% 5.07% 2.71% 4.97% 4.99% Barclays US Agg Bond 10.56% N/A 8.95% 2.71% 4.97% 4.43% Barclays US Agg Bond 12.38% 12.92% 5.57% 20.45% 18.39% 7.77% S&P 500 Index 13.88% N/A 10.35% 20.45% 18.39% 15.11% S&P 500 Index Gross Total Annual Operating Expenses As a % Per $1000 Net Total Annual Operating Expenses** Shareholder-Type As a % Per $ % $ % $ % $ % $ % $ % $ % $ % $ % $ % $12.00 Fees, Restrictions and Other 6

27 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Variable Return s Fees and Expense Information Name of Type of Inception Date Manager Profile RetireSMART 2030 ASSET ALLOCATION/LIFECYCLE 12/31/2003 MassMutual Select wwwrs.massmutual.com/ff/rm3636ar.pdf RetireSMART 2035 ASSET ALLOCATION/LIFECYCLE 04/01/2010 MassMutual Select wwwrs.massmutual.com/ff/l9234.pdf RetireSMART 2040 ASSET ALLOCATION/LIFECYCLE 12/31/2003 MassMutual Select wwwrs.massmutual.com/ff/rm3637ar.pdf RetireSMART 2045 ASSET ALLOCATION/LIFECYCLE 04/01/2010 MassMutual Select wwwrs.massmutual.com/ff/l9239.pdf RetireSMART 2050 ASSET ALLOCATION/LIFECYCLE 12/17/2007 MassMutual Select wwwrs.massmutual.com/ff/l8497.pdf Average Annual Total Return as of 05/31/ Year 5 Year 10 Year or *Since Fund Inception if less than 10 years 1Year 5 Year 10 Year or *Since Fund Inception if less than 10 years 14.62% 14.10% 5.81% 20.45% 18.39% 7.77% S&P 500 Index 15.02% N/A 10.81% 20.45% 18.39% 15.11% S&P 500 Index 15.15% 14.44% 6.01% 20.45% 18.39% 7.77% S&P 500 Index 16.26% N/A 11.37% 20.45% 18.39% 15.11% S&P 500 Index 16.27% 14.96% 4.65% 20.45% 18.39% 6.42% S&P 500 Index Gross Total Annual Operating Expenses As a % Per $1000 Net Total Annual Operating Expenses** Shareholder-Type As a % Per $ % $ % $ % $ % $ % $ % $ % $ % $ % $ % $12.50 Fees, Restrictions and Other 7

28 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Variable Return s Fees and Expense Information Name of Type of Inception Date Manager Profile STOCK Premier Value (OFI Inst) LARGE CAP VALUE 07/25/1995 MassMutual Premier wwwrs.massmutual.com/ff/rm3520ar.pdf MM S&P 500 Index(Northrn Trst) LARGE CAP CORE 07/01/1993 MassMutual Select wwwrs.massmutual.com/ff/rm3535ar.pdf Sel Fndmntl Grwth (Wellington) LARGE CAP GROWTH 05/01/2000 MassMutual Select wwwrs.massmutual.com/ff/rm3591ar.pdf Sel Blue Chip Growth (TRP) LARGE CAP GROWTH 06/01/2001 MassMutual Select wwwrs.massmutual.com/ff/rm3546ar.pdf Average Annual Total Return as of 05/31/ Year 5 Year 10 Year or *Since Fund Inception if less than 10 years 1Year 5 Year 10 Year or *Since Fund Inception if less than 10 years 18.36% 15.02% 6.36% 19.60% 18.44% 7.99% Russell 1000 Value Idx 19.68% 17.63% 7.06% 20.45% 18.39% 7.77% S&P 500 Index 17.85% 19.16% 8.57% 22.16% 19.04% 8.13% Russell 1000 Growth Index 25.28% 19.38% 7.72% 22.16% 19.04% 8.13% Russell 1000 Growth Index Gross Total Annual Operating Expenses As a % Per $1000 Net Total Annual Operating Expenses** Shareholder-Type As a % Per $ % $ % $ % $ % $ % $ % $ % $ % $12.30 Fees, Restrictions and Other 8

29 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Variable Return s Fees and Expense Information Name of Type of Inception Date Manager Profile Sel Md Cp Val (NFJ/Systmc) MID CAP VALUE 08/29/2006 MassMutual Select wwwrs.massmutual.com/ff/rm3711ar.pdf Mid Cap Index (Nuveen) MID CAP CORE 01/01/2000 Nuveen wwwrs.massmutual.com/ff/fmcyx.pdf Mid Cap Gr (Prudntl Jennsn) MID CAP GROWTH 01/01/2000 Prudential wwwrs.massmutual.com/ff/jderx.pdf Small Cap Value (Franklin) SMALL CAP VALUE 04/01/1996 Franklin/Templeton wwwrs.massmutual.com/ff/fvfrx.pdf Small Cap Index (Nuveen) SMALL CAP CORE 01/01/2000 Nuveen wwwrs.massmutual.com/ff/arscx.pdf Average Annual Total Return as of 05/31/ Year 5 Year 10 Year or *Since Fund Inception if less than 10 years 1Year 5 Year 10 Year or *Since Fund Inception if less than 10 years 19.25% 19.24% 7.14% 22.00% 22.18% 8.70% Russell Mid Cap Value Idx 16.94% 19.80% 9.44% 18.05% 20.85% 10.31% S&P MidCap % 17.48% 10.49% 20.74% 20.53% 9.66% Russell Mid Cap Growth Index 19.07% 19.24% 9.76% 16.86% 18.76% 8.30% Russell 2000 Value Idx 15.86% 18.36% 7.73% 16.79% 19.32% 8.59% Russell 2000 Idx Gross Total Annual Operating Expenses As a % Per $1000 Net Total Annual Operating Expenses** Shareholder-Type As a % Per $ % $ % $ % $ % $ % $ % $ % $ % $ % $ % $11.50 Fees, Restrictions and Other 9

30 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Variable Return s Fees and Expense Information Name of Type of Inception Date Manager Profile Sel Sm Cp Gr (W&R/Wllngtn/Mnt) SMALL CAP GROWTH 05/03/1999 MassMutual Select wwwrs.massmutual.com/ff/rm3584ar.pdf Prem Intl Equity (OFI Inst) INTL/GLOBAL LARGE GROWTH 08/01/1991 MassMutual Premier wwwrs.massmutual.com/ff/rm3505a.pdf Global Opportunities (OFI) INTL/GLOBAL SMALL/MID CAP 11/01/1990 Oppenheimer wwwrs.massmutual.com/ff/oginx.pdf Developing Markets (OFI) EMERGING MARKET EQUITY 12/01/1996 Oppenheimer wwwrs.massmutual.com/ff/odvnx.pdf Real Estate (American Century) REITS 10/01/1995 American Century wwwrs.massmutual.com/ff/arewx.pdf Average Annual Total Return as of 05/31/ Year 5 Year 10 Year or *Since Fund Inception if less than 10 years 1Year 5 Year 10 Year or *Since Fund Inception if less than 10 years 19.06% 18.78% 8.79% 16.73% 19.81% 8.74% Russell 2000 Growth Index 19.24% 14.93% 9.67% 14.54% 10.50% 7.79% MSCI AC World ex-usa 21.77% 14.79% 9.58% 18.87% 14.48% 7.28% MSCI World Idx 9.75% 12.50% 15.19% 4.25% 8.37% 11.70% MSCI Emerging Markets Idx 9.41% 21.89% 8.48% 9.36% 22.45% 9.87% FTSE NAREIT Equity REIT Index Gross Total Annual Operating Expenses As a % Per $1000 Net Total Annual Operating Expenses** Shareholder-Type As a % Per $ % $ % $ % $ % $15.10 Fees, Restrictions and Other 1.44% $ % $14.40 Transfers not allowed between 2:30 p.m. and 4 p.m. ET each day 1.56% $ % $15.50 Transfers not allowed between 2:30 p.m. and 4 p.m. ET each day 1.64% $ % $

31 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Variable Return s Fees and Expense Information Name of Type of Inception Date Manager Profile Commodity Stratgy Tot Ret(OFI) SPECIALTY 04/01/1997 Oppenheimer wwwrs.massmutual.com/ff/qranx.pdf Gold & Spec Min (Oppenheimer) SPECIALTY 01/01/2000 Oppenheimer wwwrs.massmutual.com/ff/ogmnx.pdf Average Annual Total Return as of 05/31/ Year 5 Year 10 Year or *Since Fund Inception if less than 10 years 1Year 5 Year 10 Year or *Since Fund Inception if less than 10 years 1.65% 0.79% -3.56% 8.36% 3.38% -0.63% S&P GSCI Index % -7.75% 5.32% 18.87% 14.48% 7.28% MSCI World Idx *The benchmark since inception return is calculated from the month-end of the investment's inception. Gross Total Annual Operating Expenses As a % Per $1000 Net Total Annual Operating Expenses** Shareholder-Type As a % Per $ % $ % $ % $ % $13.70 Fees, Restrictions and Other **The Net Total Annual Operating Expenses include any investment expense waiver/reimbursement arrangements documented in the investment's prospectus and may be lower than the Gross Total Annual Operating Expenses due to the indicated expense waivers or reimbursements, which may be subject to expiration. Additional information regarding investment expense waivers specific to each investment is included in this document, if available, including whether the waiver is contractual or voluntary and its date of expiration. All available information about investment expense waivers is current and complete as of the date of this report. If information regarding the waivers is incomplete, it is because our third-party data provider was unable to make the information available. For some investments, the Net Total Annual Operating Expense ratio figure reflects the subtraction of interest expense, which results from an investment's use of certain other investments. This expense is required to be treated as an investment expense for accounting purposes, but is not payable to the investment adviser or subadviser (if applicable). For more information, please see the investment profile or the prospectus that corresponds to the investment, which are both available from MassMutual. Contact the MassMutual Participant Information Center at If you are currently not participating in the Plan, contact Ms. Shalini Bhojwani at (408) or 1731 Technology Drive Suite 350, San Jose CA

32 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Other share classes of an investment or its underlying investment (depending upon the investment) may have existed longer, which may account for any pre-inception performance shown. If pre-inception performance is shown, it is generally the performance of an older share class of the investment itself or its underlying investment (depending upon the investment) adjusted for fees and expenses of the newer share class. However, if using the expenses of the newer share class rather than the expenses of the older share class (due to lower expenses of the newer share class) would result in better performance, then pre-inception performance represents that of the older share class without any expense adjustment. The cumulative effect of fees and expenses can substantially reduce the growth of your retirement savings. Visit the U.S. Department of Labor's Website for an example showing the long-term effect of fees and expenses at Fees and expenses are only one of many factors to consider when you decide to invest in an alternative. You may also want to think about whether an investment in a particular option, along with your other investments, will help you achieve your financial goals. To obtain additional information about the Plan's designated investment alternatives, please obtain the Profiles for the specific investment alternatives you are interested in using the web site addresses provided in the Comparative Chart or go to You have the right to request the following information relating to the Plan's investment alternatives: copies of prospectuses or any short-form or summary prospectus or similar documents, financial statements or reports, a statement of the value of each investment available under the Plan as well as the valuation date, and a list of the assets that make up the portfolio of each investment under the Plan that constitute "plan assets" within the meaning of U.S. Department of Labor regulations and the value of each of these assets. In addition, you may request a free paper copy of the information available on the web site(s) listed on the Comparative Charts above and the Glossary of Terms. This information can be obtained by contacting Ms. Shalini Bhojwani at (408) or 1731 Technology Drive Suite 350, San Jose CA or MassMutual Participant Information Center, P.O. Box , Kansas City, MO , Target@Date@Asset@Allocation@@Alternatives :::::::::::::::::::::::::::::::::::::::::::::::: Target Date Asset Allocation Alternatives offer professional management and monitoring as well as diversification - potentially, an all in one investment. Each Target Date Asset Allocation Alternative is generally intended to be comprised of more conservative investments as retirement nears. A group of target date (or lifecycle) investments from one investment family constitutes a series. Target date investment alternatives are generally mutual funds or similar investments which hold a diversified portfolio of stocks, bonds, and other investments. Typically, target date investment portfolios shift over time from a mix primarily focused on stock investments earlier in the lifecycle of each portfolio to a mix weighted more toward bond investments (commonly referred to as the "glide path"). 12

33 :::::::::::::::::::::::::::::::::::::: The investment manager periodically reviews the target asset allocation and underlying investment options and may, at any time, in its discretion, change the target asset allocation or deviate from the target asset allocation. Under normal circumstances, the Funds' asset allocation among equity, fixed income and certain other asset classes is generally expected to vary by no more than plus or minus ten percentage points from the target asset allocation at that time. The below target date series included in your Plan consists of the investments listed below. These investments are named for the approximate year when an investor plans to retire, will likely stop making new contributions, and will withdraw or begin taking withdrawals ("target year"). RetireSMART In Retirement - 65% in Fixed Income & Short Term/Money Market and 35% in Equity and similar funds. RetireSMART % in Fixed Income & Short Term/Money Market and 46% in Equity and similar funds. RetireSMART % in Fixed Income & Short Term/Money Market and 54% in Equity and similar funds. RetireSMART % in Fixed Income & Short Term/Money Market and 68% in Equity and similar funds. RetireSMART % in Fixed Income & Short Term/Money Market and 77% in Equity and similar funds. RetireSMART % in Fixed Income & Short Term/Money Market and 84% in Equity and similar funds. RetireSMART % in Fixed Income & Short Term/Money Market and 87% in Equity and similar funds. RetireSMART % in Fixed Income & Short Term/Money Market and 88% in Equity and similar funds. RetireSMART % in Fixed Income & Short Term/Money Market and 93% in Equity and similar funds. RetireSMART % in Fixed Income & Short Term/Money Market and 95% in Equity and similar funds. The Funds in the RetireSmart series are designed for investors who plan to withdraw the value of their accounts in the Funds gradually after the target year which is designed to reflect an assumed retirement date for which each Fund is named. Other than the In Retirement Fund, each Fund's assets are allocated among underlying funds according to an asset allocation strategy that becomes increasingly conservative until it reaches approximately 50% in equity and similar funds and 50% in fixed income funds, including money market funds, in the stated target year, and approximately 35% in equity and similar funds and 65% in fixed income funds, including money market funds, approximately fifteen years after the stated target year. This is the point in time when the Fund reaches its most conservative allocation. The In Retirement Fund is designed for investors over age 65 and its assets are allocated among underlying funds according to a target asset allocation strategy that emphasizes fixed income and money market funds, but also includes a smaller allocation to equity and certain other funds. This fund has reached its most conservative allocation, which is approximately 35% in equity and similar funds and 65% in fixed income funds, including money market funds. The following chart illustrates the Funds' target asset allocations among equity, fixed income and certain other asset classes as of the date of this disclosure statement and how their asset allocations are expected to change over time. The number of years until retirement, target retirement date and number of years past retirement are depicted on the 13

34 :::::::::::::::::::::::::::::::::::::: bottom axis. The corresponding asset allocation percentage is reflected on the left hand axis of the chart. To find the target allocation relevant to the number of years until you may retire, find the number of years on the bottom axis and follow it up to see where on the left hand axis it intersects with each asset class reflected in the chart. As time passes and the target date approaches (and then is passed), the asset allocation will move along the "glide path" until the most conservative asset allocation is reached. Each of the Funds' target asset allocation may differ from this illustration. Target date investment alternatives do not guarantee that you will have adequate retirement income. You can lose money at any time, including near and following retirement. Target date asset allocation investment alternatives do not eliminate the need for you to decide, before investing and from time to time thereafter, whether the investment alternative fits your financial situation. Even if you plan to retire in 2030, you may decide, based on your investment objectives, tolerance for risk, and other assets, that the investment strategy and risks of a 2020, 2040, or other target date fund would be more appropriate for you. Or you may decide that you don't want to invest in a target date asset allocation investment alternative and would rather actively manage your investments by selecting different investment alternative(s). 14