PAST IS NOT INDICATIVE OF FUTURE RESULTS. Total return includes capital appreciation (depreciation), realized gains (losses), plus dividend or interest income. The investment return and principal value of an investment will fluctuate so that when units/shares are redeemed they may be worth more, or less, than the original cost. Results shown do not take into account personal income taxes or capital gains taxes. Current performance may be lower or higher than the performance data quoted. For current performance information to the most recent month-end, refer to our website at http://retirement.massmutual.com/rsgovnp/. * Returns are net of total fund operating expenses and a mortality and expense risk and administrative charge (ME&A). The maximum ME&A charge for your plan is 1.25%; however, your plan's exact ME&A charge may be lower. Refer to a current fee schedule for charges applicable to your plan. Sales-Adjusted returns are calculated to the inception date of the underlying fund. Standardized returns are calculated to the date the underlying fund was added to the separate account in which the underlying assets are held. Both the Sales-Adjusted returns and Standardized returns assume a $1,000 investment and deductions for total fund operating charges, a mortality, expense risk and administrative charge, an assumed $30 annual maintenance fee, and maximum contingent deferred sales charges of 5%, 4%, 3%, 2%, 1%, 0% in years 1-5, respectively. The maximum mortality, expense risk and administration charge (ME&A) allowed in your plan's program is 1.25%. Your actual ME&A may be lower. Refer to a current fee schedule for charges applicable to your plan. The underlying funds were active prior to the 12/01/2000 separate account inception date. All returns are computed using hypothetical unit values which are based on the underlying fund's performance less separate account charges and assume the investment option was available as of the inception date of the underlying fund for the periods indicated. Investment choices are available through group variable annuity contracts (HL-15420 with riders HL-16957, HL-17063, and HL-17064; HL-20320, HL-20320(CA)) issued by Hartford Life Insurance Company (Simsbury, CT). Effective January 1, 2013, the contracts are underwritten by MML Distributors, LLC. Contracts are administered by Massachusetts Mutual Life Insurance Company. This material must be preceded or accompanied by the current prospectus where applicable. Investors should consider an investment's objectives, risks, charges and expenses carefully before investing. Read this information carefully before you invest or send money. Questions should be directed to your local Financial Professional, our Customer Service Center at 1-800-528-9009, or our website at http://retirement.massmutual.com/rsgovnp/. 1 The fund's investments are concentrated in a specific industry or sector, and are subject to greater risk than traditional diversified equity funds. 2 Investments in foreign securities may involve different and additional risks associated with foreign currencies, investment disclosure, accounting, securities regulation, commissions, taxes, political or social instability, war or expropriation. 3 The methodology used in the hypothetical performance calculations for the Janus investment options may differ from the methodology used by Janus. Therefore, the performance returns shown may differ from those provided directly by Janus for the same underlying funds for the same time periods, and may differ significantly at a particular point in time. Janus approves of the use of an alternative method that is accepted in the industry to calculate hypothetical performance. 4 Small Cap stocks generally have higher risk and return characteristics than large-company stocks. 5 Mid Cap stocks generally have higher risk and return characteristics than large-company stocks. 6 Securities rated below investment grade "BBB" are commonly referred to as "high yield, high risk" securities, or "junk bonds." Monthly Sales Adjusted Returns Quarterly Standardized Returns as of January 31, 2015 as of December 31, 2014 Average Annual Total Return Underlying Average Annual Total Return Inception in Fund Inception Separate 1 Yr. 5 Yr. 10 Yr. Since Incept Date 1 Yr. 5 Yr. 10 Yr. Since Incept Account 1-800-528-9009 Page 1 of 9 (Page not valid without the others.) Mercy College Tax Deferred Annuity Plan-01/31/2015
Monthly Sales Adjusted Returns Quarterly Standardized Returns as of January 31, 2015 as of December 31, 2014 Average Annual Total Return Underlying Average Annual Total Return Inception in Fund Inception Separate 1 Yr. 5 Yr. 10 Yr. Since Incept Date 1 Yr. 5 Yr. 10 Yr. Since Incept Account SPECIALTY Col Sel Comm Info 1 15.58% 10.67% 8.50% N/A 06/23/1983 16.27% 9.37% N/A 8.35% 07/01/2006 Htfd HC HLS 2,1 15.84% 18.63% 10.01% 10.78% 05/01/2000 17.08% 18.40% 9.13% 8.73% 05/01/2002 Invesco Real Est 1 21.37% 14.57% 6.69% 8.08% 12/31/1996 18.15% 11.78% N/A 4.79% 07/07/2005 Ivy Glbl Natural Res 2,1-19.18% -5.47% 0.15% 5.56% 07/24/2003-20.22% -6.50% N/A -5.12% 07/01/2006 MFS Utilities 1 2.68% 10.81% 9.00% 10.22% 02/14/1992 3.72% 9.85% 9.06% 10.18% 05/01/2002 Oppen Gld&Spec Mnrls 1-19.83% -14.15% 1.63% N/A 07/19/1983-22.30% -18.17% N/A -6.19% 07/01/2006 INTERNATIONAL/GLOBAL AF Capital World G&I 2-1.40% 6.58% 4.35% N/A 03/26/1993-4.71% 5.14% N/A 4.58% 07/07/2005 AF EuroPacific Grth 2-6.06% 3.37% 3.78% N/A 04/16/1984-10.86% 1.76% N/A 3.85% 07/07/2005 Htfd Global Grw HLS 2-0.04% 9.67% 1.59% N/A 09/30/1998-2.02% 8.27% N/A 0.06% 05/01/2006 Invesco Euro Grwth 2-10.72% 5.74% 4.13% 9.00% 11/03/1997-13.91% 5.04% N/A 1.27% 07/01/2006 Janus Overseas 2,3-17.14% -6.38% 3.50% N/A 05/02/1994-21.08% -6.79% N/A -1.13% 07/06/2009 Thornbrg Intl Value 2-5.69% 2.15% 3.45% 5.44% 05/28/1998-13.87% 0.59% N/A 0.36% 07/01/2006 SMALL CAP Inv SC Discovery 4-4.93% 12.34% 5.92% -0.51% 11/27/2000-5.34% 11.41% N/A 2.54% 05/01/2006 MID CAP Alger MC Growth Inst 5 0.33% 11.33% 3.49% N/A 11/08/1993 0.61% 10.41% N/A 3.14% 07/01/2006 BMO Mid-Cap Value 5 3.28% 12.42% 4.73% N/A 09/30/1993 2.59% 12.52% N/A 4.78% 07/01/2006 Opp Main St MidCap 4 2.95% 13.23% 5.08% 8.90% 08/02/1999 3.32% 12.71% N/A 2.61% 05/01/2006 Victory Spec Val 5-3.12% 7.12% 3.65% N/A 12/03/1993-2.01% 7.12% N/A 3.29% 07/07/2005 LARGE CAP AF Growth Fund Amer 1.09% 10.64% 4.67% N/A 12/01/1973 0.19% 9.72% N/A 4.72% 07/07/2005 EV Div Builder 1 4.99% 9.35% 5.97% N/A 12/18/1981 2.80% 8.41% N/A 3.88% 07/01/2006 Janus Forty 3 3.49% 9.25% 6.64% 8.87% 05/01/1997-0.26% 8.01% 6.05% 5.95% 05/01/2002 1-800-528-9009 Page 2 of 9 (Page not valid without the others.) Mercy College Tax Deferred Annuity Plan-01/31/2015
Monthly Sales Adjusted Returns Quarterly Standardized Returns as of January 31, 2015 as of December 31, 2014 Average Annual Total Return Underlying Average Annual Total Return Inception in Fund Inception Separate 1 Yr. 5 Yr. 10 Yr. Since Incept Date 1 Yr. 5 Yr. 10 Yr. Since Incept Account LARGE CAP Thornburg Value 3.79% 6.92% 3.72% 8.12% 10/02/1995 2.60% 6.53% N/A 2.73% 07/01/2006 ASSET ALLOCATION/BALANCED BlckRck LfPth Retire -2.94% 3.23% 1.60% N/A 02/25/1994-3.89% 2.87% N/A 1.63% 07/07/2005 BlckRck LifePth 2020-2.52% 4.47% 1.63% N/A 03/01/1994-3.76% 3.84% N/A 1.67% 07/07/2005 BlckRck LifePth 2030-2.09% 5.55% 1.70% N/A 03/01/1994-3.49% 4.80% N/A 1.79% 07/07/2005 BlckRck LifePth 2040-1.77% 6.43% 1.67% N/A 03/01/1994-3.26% 5.56% N/A 1.79% 07/07/2005 Fkln Conserv All -4.07% 2.92% 2.39% 3.40% 12/31/1996-5.02% 2.64% N/A 1.77% 05/01/2006 Fkln Grw Allocation -2.36% 6.48% 3.90% 3.84% 12/31/1996-3.53% 5.79% N/A 2.30% 05/01/2006 Fkln Mod All -3.33% 4.49% 3.25% 3.79% 12/31/1996-4.35% 4.06% N/A 2.32% 05/01/2006 BOND Lord Abbett Bond Deb 6-3.45% 5.30% 3.67% N/A 04/01/1971-3.90% 5.09% N/A 3.95% 05/01/2006 PIMCO Total Return -2.95% 1.44% 2.67% N/A 05/11/1987-4.16% 1.29% N/A 3.44% 07/01/2006 Period Ending January 31, 2015 Total Return Avg Annual Total Return BENCHMARK INDICES Month 3 Mo. YTD 1 Yr. 3 Yr. 5 Yr. 10 Yr. S&P 500 Index 1-3.00% -0.64% -3.00% 14.22% 17.47% 15.60% 7.61% BarCap Gov/Corp Indx 2 2.64% 3.48% 2.64% 7.24% 3.29% 4.93% 4.90% NASDAQ 3-2.13% 0.10% -2.13% 12.95% 18.10% 16.64% 8.44% Market indices have been provided for comparison purposes only. We believe that the indices are representative of the investment objectives of the investment options in your plan. These indices are unmanaged and are not available for direct investment. 1 S&P is an index which measures broad-based changes in stock market conditions based on the average performance of 500 widely held common stocks. 2 The Barclay's Capital Government/Corporate Bond Index, an unmanaged list of U.S. Treasury/Agency and investment grade corporate debt securities, is used as a general measure of performance of fixed income securities. 3 NASDAQ is a computerized system that provides brokers and dealers with price quotations for securities traded over the counter as well as for many NYSE listed securities. 1-800-528-9009 Page 3 of 9 (Page not valid without the others.) Mercy College Tax Deferred Annuity Plan-01/31/2015
Period Ending January 31, 2015 Total Return Avg Annual Total Return* Inception INVESTMENT CHOICES Morningstar Category Month 3 Mo. YTD 1 Yr. 3 Yr. 5 Yr. 10 Yr. Since Incept Date SPECIALTY Col Sel Comm Info 1 Htfd HC HLS 2,1 Invesco Real Est 1 Ivy Glbl Natural Res 2,1 MFS Utilities 1 Oppen Gld&Spec Mnrls 1 INTERNATIONAL/GLOBAL AF Capital World G&I 2 AF EuroPacific Grth 2 Htfd Global Grw HLS 2 Invesco Euro Grwth 2 Janus Overseas 2,3 Thornbrg Intl Value 2 SMALL CAP Inv SC Discovery 4 MID CAP Alger MC Growth Inst 5 BMO Mid-Cap Value 5 Opp Main St MidCap 4 Victory Spec Val 5 Technology -0.82% 5.42% -0.82% 24.94% 13.72% 13.59% 10.89% N/A 6/23/1983 Health 2.98% 7.63% 2.98% 25.32% 30.10% 21.59% 12.71% 12.67% 5/1/2000 Real Estate 5.45% 8.92% 5.45% 31.10% 14.42% 17.15% 9.25% 10.13% 12/31/1996 Natural Resources -3.24% -14.13% -3.24% -12.39% -6.02% -2.35% 2.47% 7.06% 7/24/2003 Utilities -1.17% -2.76% -1.17% 11.07% 14.21% 13.55% 11.15% 11.48% 2/14/1992 Equity Precious Metals 10.14% 20.00% 10.14% -12.73% -26.93% -10.90% 3.32% N/A 7/19/1983 World Stock -0.03% -1.86% -0.03% 6.78% 13.21% 9.55% 6.96% N/A 3/26/1993 Foreign Large Growth 0.94% -1.21% 0.94% 1.84% 9.21% 6.41% 6.25% N/A 4/16/1984 World Stock -1.26% -1.15% -1.26% 8.27% 16.61% 12.56% 4.89% N/A 9/30/1998 Europe Stock -0.43% -1.84% -0.43% -3.16% 9.84% 8.59% 6.62% 10.37% 11/3/1997 Foreign Large Blend -1.75% -10.31% -1.75% -10.07% -3.71% -3.03% 5.45% N/A 5/2/1994 Foreign Large Growth 2.06% -0.01% 2.06% 2.28% 5.91% 5.16% 5.84% 7.42% 5/28/1998 Small Growth -0.60% 2.42% -0.60% 3.19% 14.80% 15.00% 8.53% 4.15% 11/27/2000 Mid-Cap Growth -2.11% -0.18% -2.11% 8.68% 15.74% 14.09% 6.52% N/A 11/8/1993 Mid-Cap Value -3.24% -0.61% -3.24% 11.78% 18.26% 15.18% 7.70% N/A 9/30/1993 Mid-Cap Blend -2.47% -0.94% -2.47% 11.45% 16.25% 15.91% 7.96% 10.60% 8/2/1999 Mid-Cap Blend -4.46% -1.79% -4.46% 4.96% 10.76% 9.98% 6.30% N/A 12/3/1993 1-800-528-9009 Page 4 of 9 (Page not valid without the others.) Mercy College Tax Deferred Annuity Plan-01/31/2015
Period Ending January 31, 2015 Total Return Avg Annual Total Return* Inception INVESTMENT CHOICES Morningstar Category Month 3 Mo. YTD 1 Yr. 3 Yr. 5 Yr. 10 Yr. Since Incept Date LARGE CAP AF Growth Fund Amer Large Growth -1.24% -0.61% -1.24% 9.49% 16.81% 13.51% 7.50% N/A 12/1/1973 EV Div Builder 1 Large Blend -1.45% 0.34% -1.45% 13.60% 14.34% 12.25% 8.40% N/A 12/18/1981 Janus Forty 3 Large Growth -0.27% 3.51% -0.27% 12.15% 17.23% 12.25% 9.11% 10.26% 5/1/1997 Thornburg Value Large Blend -1.88% 1.16% -1.88% 12.33% 16.10% 10.06% 6.59% 9.44% 10/2/1995 ASSET ALLOCATION/BALANCED BlckRck LfPth Retire Retirement Income 0.47% 0.67% 0.47% 5.21% 5.09% 6.24% 4.53% N/A 2/25/1994 BlckRck LifePth 2020 Target Date 2016-2020 0.11% 0.15% 0.11% 5.64% 6.61% 7.42% 4.58% N/A 3/1/1994 BlckRck LifePth 2030 Target Date 2026-2030 -0.52% -0.59% -0.52% 6.07% 8.14% 8.46% 4.68% N/A 3/1/1994 BlckRck LifePth 2040 Target Date 2036-2040 -1.02% -1.19% -1.02% 6.41% 9.38% 9.31% 4.69% N/A 3/1/1994 Fkln Conserv All Conservative Allocation -0.37% -0.83% -0.37% 3.99% 5.69% 5.96% 5.16% 5.71% 12/31/1996 Fkln Grw Allocation Aggressive Allocation -0.73% -0.50% -0.73% 5.81% 9.76% 9.38% 6.60% 6.21% 12/31/1996 Fkln Mod All Moderate Allocation -0.47% -0.67% -0.47% 4.78% 7.39% 7.46% 5.97% 6.10% 12/31/1996 BOND Lord Abbett Bond Deb 6 High Yield Bond 0.99% 0.36% 0.99% 4.66% 7.20% 8.20% 6.45% N/A 4/1/1971 PIMCO Total Return Intermediate-Term Bond 2.57% 2.97% 2.57% 5.24% 3.51% 4.54% 5.42% N/A 5/11/1987 GENERAL (DECLARED RATE) ACCOUNT 1st Q 15: 2.50% The 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 January 1, 2015, the Declared Rate is 2.50%. Rates quoted are effective annual yields. PAST IS NOT INDICATIVE OF FUTURE RESULTS. Total return includes capital appreciation (depreciation), realized gains (losses), plus dividend or interest income. The investment return and principal value of an investment will fluctuate so that when units/shares are redeemed they may be worth more, or less, than the original cost. Results shown do not take into account personal income taxes or capital gains taxes. Current performance may be lower or higher than the performance data quoted. For current performance information to the most recent month-end, refer to our website at http://retirement.massmutual.com/rsgovnp/. * Returns are net of total fund operating expenses and a mortality and expense risk and administrative charge (ME&A). The maximum ME&A charge for your plan is 1.25%; however, your plan's exact ME&A charge may be lower. Refer to a current fee schedule for charges applicable to your plan. The underlying funds were active prior to the 12/01/2000 separate account inception date. All returns are computed using hypothetical unit values which are based on the underlying fund's performance less separate account charges and assume the investment option was available as of the inception date of the underlying fund for the periods indicated. Investment choices are available through group variable annuity contracts (HL-15420 with riders HL-16957, HL-17063, and HL-17064; HL-20320, HL-20320(CA)) issued by Hartford Life Insurance Company (Simsbury, CT). Effective January 1, 2013, the contracts are underwritten by MML Distributors, LLC. Contracts are administered by Massachusetts Mutual Life Insurance Company. 1-800-528-9009 Page 5 of 9 (Page not valid without the others.) Mercy College Tax Deferred Annuity Plan-01/31/2015
This material must be preceded or accompanied by the current prospectus where applicable. Investors should consider an investment's objectives, risks, charges and expenses carefully before investing. Read this information carefully before you invest or send money. Questions should be directed to your local Financial Professional, our Customer Service Center at 1-800-528-9009, or our website at http://retirement.massmutual.com/rsgovnp/. 1 The fund's investments are concentrated in a specific industry or sector, and are subject to greater risk than traditional diversified equity funds. 2 Investments in foreign securities may involve different and additional risks associated with foreign currencies, investment disclosure, accounting, securities regulation, commissions, taxes, political or social instability, war or expropriation. 3 The methodology used in the hypothetical performance calculations for the Janus investment options may differ from the methodology used by Janus. Therefore, the performance returns shown may differ from those provided directly by Janus for the same underlying funds for the same time periods, and may differ significantly at a particular point in time. Janus approves of the use of an alternative method that is accepted in the industry to calculate hypothetical performance. 4 Small Cap stocks generally have higher risk and return characteristics than large-company stocks. 5 Mid Cap stocks generally have higher risk and return characteristics than large-company stocks. 6 Securities rated below investment grade "BBB" are commonly referred to as "high yield, high risk" securities, or "junk bonds." 1-800-528-9009 Page 6 of 9 (Page not valid without the others.) Mercy College Tax Deferred Annuity Plan-01/31/2015
Investment Option Menu Disclosure Chart Period Ending January 31, 2015 Expenses (%) Underlying Fees/Payments We Receive Total Annual Mortality, Expenses, Total Fund Share from the Funds * Underlying Fund and Administration Class Operating Expenses Charge INVESTMENT CHOICES Gross Net(A) (B) (A + B) SPECIALTY Col Sel Comm Info A 0.50% 1.36% 1.36% 0.35% 1.71% Htfd HC HLS IB 0.50% 1.14% 1.14% 0.35% 1.49% Invesco Real Est A 0.55% 1.25% 1.25% 0.35% 1.60% Ivy Glbl Natural Res Y 0.50% 1.33% 1.33% 0.35% 1.68% MFS Utilities R3 0.63% 1.01% 1.01% 0.35% 1.36% Oppen Gld&Spec Mnrls A 0.55% 1.17% 1.15% 0.35% 1.50% INTERNATIONAL/GLOBAL AF Capital World G&I R3 0.65% 1.09% 1.09% 0.35% 1.44% AF EuroPacific Grth R3 0.65% 1.14% 1.14% 0.35% 1.49% Htfd Global Grw HLS IB 0.50% 1.07% 1.07% 0.35% 1.42% Invesco Euro Grwth A 0.55% 1.43% 1.41% 0.35% 1.76% Janus Overseas S 0.50% 0.93% 0.93% 0.35% 1.28% Thornbrg Intl Value R3 0.75% 1.57% 1.45% 0.35% 1.80% SMALL CAP Inv SC Discovery A 0.55% 1.32% 1.32% 0.35% 1.67% MID CAP Alger MC Growth Inst I 0.55% 1.29% 1.29% 0.35% 1.64% BMO Mid-Cap Value Y 0.50% 1.21% 1.21% 0.35% 1.56% Opp Main St MidCap A 0.55% 1.11% 1.11% 0.35% 1.46% Victory Spec Val A.45 + $16 Per Participant 1.27% 1.27% 0.35% 1.62% 1-800-528-9009 Page 7 of 9 (Page not valid without the others) Mercy College Tax Deferred Annuity Plan-01/31/2015
Investment Option Menu Disclosure Chart Period Ending January 31, 2015 Expenses (%) Underlying Fees/Payments We Receive Total Annual Mortality, Expenses, Total Fund Share from the Funds * Underlying Fund and Administration Class Operating Expenses Charge INVESTMENT CHOICES Gross Net(A) (B) (A + B) LARGE CAP AF Growth Fund Amer R3 0.65% 0.98% 0.98% 0.35% 1.33% EV Div Builder A 0.55% 1.06% 1.06% 0.35% 1.41% Janus Forty S 0.50% 0.96% 0.96% 0.35% 1.31% Thornburg Value R3 0.75% 1.78% 1.35% 0.35% 1.70% ASSET ALLOCATION/BALANCED BlckRck LfPth Retire A 0.75% 1.39% 1.10% 0.35% 1.45% BlckRck LifePth 2020 A 0.75% 1.41% 1.10% 0.35% 1.45% BlckRck LifePth 2030 A 0.75% 1.42% 1.10% 0.35% 1.45% BlckRck LifePth 2040 A 0.75% 1.43% 1.10% 0.35% 1.45% Fkln Conserv All A 0.25%+.10% + $12/participant 1.22% 1.22% 0.35% 1.57% Fkln Grw Allocation A 0.25%+.10% + $12/participant 1.28% 1.28% 0.35% 1.63% Fkln Mod All A 0.25%+.10% + $12/participant 1.25% 1.25% 0.35% 1.60% BOND Lord Abbett Bond Deb A 0.50% 0.81% 0.81% 0.35% 1.16% PIMCO Total Return A 0.40% 0.85% 0.85% 0.35% 1.20% You should carefully consider the investment objectives, risks, charges and expenses of the group variable annuities and their underlying funds before investing. This and other information can be found in the prospectus or disclosure documents, where applicable. To obtain the applicable disclosure documents or underlying fund prospectuses call 1-800-528-9009. Read them carefully before you invest or send money. This table shows only the asset-based fees, charges and expenses associated with the investment choices of the group variable annuity contract. Please refer to the 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. These are the Total Annual Fund Operating Expenses for each underlying fund as of its most recent prospectus. Total Annual Fund Operating Expenses are the expenses that are deducted from fund assets, including management fees, Rule 12b-1 distribution and/or service fees, and other expenses. Actual fees and expenses for the underlying funds vary daily. As a result, the fees and expenses for any given day may be greater or less than the Total Annual Fund Operating Expenses listed above in the table. The column under "Gross" lists each underlying fund's Total Annual Fund Operating Expenses before any fee waivers or reimbursements. The column under "Net" represents each underlying fund's Total Annual Fund Operating Expenses after any fee waivers or reimbursements. More detail concerning each underlying fund's fees and expenses is contained in the prospectus for each fund. 1-800-528-9009 Page 8 of 9 (Page not valid without the others) Mercy College Tax Deferred Annuity Plan-01/31/2015
Investment Option Menu Disclosure Chart We deduct the mortality, expense risk and administrative charge from the assets of the Separate Account on a daily basis at the annual rate shown above. If the mortality, expense risk and administrative charge under a Contract is insufficient to cover actual costs incurred by us, we will bear the loss. If the mortality, expense risk and administrative charge exceeds these costs, we will keep the excess as profit. We may use these profits, as well as fees and payments received from the fund families, for any proper corporate purpose, including, among other things, payment of sales expenses, including our expenses of paying compensation to broker-dealers, financial institutions and other persons for selling the Contracts. We expect to make a profit from the mortality, expense risk and administrative charge. We receive these fees and payments with respect to the Funds that are offered as variable investment options to your plan through your Contract (sometimes referred to generally as "revenue sharing" payments). We consider these fees and payments, among a number of other factors, when deciding to include a Fund in the Investment Option Menus. Virtually all of the Funds on the Investment Option Menus make these payments to us and/or our affiliates. For more information about these fees and payments please refer to our Disclosure Statement - Reasonable Contract or Arrangement under ERISA Section 408(b)(2). Copyright 2014 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) 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. 1-800-528-9009 Page 9 of 9 (Page not valid without the others) Mercy College Tax Deferred Annuity Plan-01/31/2015