PERFORMANCE Funded by a Group Variable Funding Agreement PAST PERFORMANCE 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. Your plan may also be subject to a Program and Administrative charge. Refer to a current fee schedule for charges applicable to your plan. Investments in the Possibilities program are available through group variable funding agreements (HL-16553, 16553NY, HL-20326, HL-20326NY) issued by Hartford Life Insurance Company (Simsbury, CT). Contracts are administered by Massachusetts Mutual Life Insurance Company. Total return includes capital appreciation (depreciation), realized gain (loss), plus reinvested dividend or interest income. Results shown do not take into account personal income taxes or capital gains taxes. Nor does the performance reflect the deduction of any plan charges which may be assessed to plan participants. With respect to all performance displayed, where inception of the underlying fund precedes that of the separate account, performance is given since the inception of the underlying fund (whereas the inception date for Separate Account 457 is 12/31/1998, and the inception date for Separate Account 14 is 3/15/2005). In such cases, the performance given is hypothetical and is based on the actual performance of the underlying fund. This material must be preceded or accompanied by currently effective disclosure documents. 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. 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 Small Cap stocks generally have higher risk and return characteristics than large-company stocks. 4 Mid Cap stocks generally have higher risk and return characteristics than large-company stocks. 5 Securities rated below investment grade "BBB" are commonly referred to as "high yield, high risk" securities, or "junk bonds." 6 An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund. 2

Period Ending July 31, 2016

Total Return ————————————

Annual Total Return* ———————————————————————

INVESTMENT CHOICES Morningstar Category

Month

3 Mo.

YTD

1 Yr.

3 Yr.

Natural Resources

0.88%

1.53%

23.35%

2.78%

Foreign Large Growth Diversified Emerging Mkts Foreign Large Blend

5.48% 3.81% 3.60%

3.60% 6.98% 5.53%

2.22% 23.35% 8.30%

-5.61% 9.08% 5.47%

Since Incept

Inception Date

5 Yr.

10 Yr.

-9.29%

-10.01%

-0.73%

N/A

9/28/1987

3.19% -0.99% 8.08%

2.98% -0.79% 9.20%

3.38% 5.36% 6.25%

N/A N/A N/A

4/16/1984 1/11/1994 10/24/1995

SPECIALTY Prud Jenn Nat Res1

INTERNATIONAL/GLOBAL AF EuroPacific Grth2 Invesco Dev Mkts2 MFS Intl Value2

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PERFORMANCE Funded by a Group Variable Funding Agreement Period Ending July 31, 2016

Total Return ————————————

Annual Total Return* ———————————————————————

INVESTMENT CHOICES Morningstar Category

Month

3 Mo.

1 Yr.

3 Yr.

Foreign Large Growth

5.43%

1.14%

2.54%

-2.50%

2.70%

5.14%

5.14%

7.63%

3/25/1996

Small Blend Small Blend Small Blend Small Growth

5.02% 4.74% 3.96% 4.92%

7.18% 8.10% 3.89% 8.00%

10.98% 9.64% 4.70% 5.34%

5.11% 2.49% -5.73% -6.19%

8.83% 7.23% 4.04% 2.70%

12.26% 11.01% 7.53% 6.36%

8.13% 7.84% 6.32% 8.24%

8.74% 10.10% 6.43% 8.77%

6/30/1997 10/22/1992 8/31/2000 1/2/1997

Mid-Cap Blend Mid-Cap Blend Mid-Cap Value

4.23% 3.41% 2.83%

6.94% 5.09% 6.73%

12.07% 8.96% 12.50%

4.71% 1.52% 6.86%

9.03% 8.12% 12.08%

11.37% 9.69% 12.72%

8.48% 8.99% 9.83%

N/A 10.02% N/A

6/19/1991 12/30/2005 8/16/1983

Large Value Large Blend Large Blend Large Growth

2.00% 5.67% 3.62% 4.67%

6.42% 4.21% 5.58% 5.40%

14.63% 4.93% 7.08% 5.84%

15.50% -2.76% 4.68% 2.10%

10.02% 6.85% 10.22% 11.38%

11.41% 8.81% 12.44% 11.94%

6.82% 5.77% 6.88% 8.19%

N/A N/A 8.42% N/A

8/1/1994 6/3/1991 1/2/1990 3/30/1948

Target-Date 2015 Target-Date 2025 Target-Date 2035 Target-Date 2045 Target-Date Retirement

2.34% 3.12% 3.58% 3.68% 1.84%

3.04% 3.33% 3.52% 3.62% 2.74%

5.04% 4.59% 4.39% 4.13% 4.99%

0.70% -0.70% -1.52% -1.82% 1.48%

3.66% 4.14% 4.26% 4.51% 2.92%

5.01% 5.95% 6.25% 6.67% 3.66%

N/A N/A N/A N/A 4.03%

5.84% 6.64% 6.91% 7.41% 3.94%

4/1/2010 4/1/2010 4/1/2010 4/1/2010 12/31/2003

Intermediate-Term Bond Multisector Bond

0.52% 1.97%

2.26% 2.88%

5.48% 8.04%

5.07% 3.54%

3.42% 2.23%

2.72% 3.49%

4.24% 5.59%

4.96% N/A

4/28/1994 5/16/1991

YTD

5 Yr.

10 Yr.

Since Incept

Inception Date

INTERNATIONAL/GLOBAL Oppenheimer Intl Gr2

SMALL CAP Drey SC Stock Index3 Goldman SachsSmCap3 Invesco SC Equity3 MFS New Discovery3

MID CAP Drey Midcap Index4 LA Value Opp4 Victory Syc Est Val4

LARGE CAP AmCent Equity Income Domini Social Equity Dreyfus S&P 500 Ind Franklin Growth

ASSET ALLOCATION/BALANCED MM RetireSMART 2015 MM RetireSMART 2025 MM RetireSMART 2035 MM RetireSMART 2045 MM RetSM In Retiremt

BOND Drey Bond Mrkt Index5 Loomis Sayles Bd

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PERFORMANCE Funded by a Group Variable Funding Agreement Period Ending July 31, 2016

Total Return ————————————

Annual Total Return* ———————————————————————

INVESTMENT CHOICES Morningstar Category

Month

3 Mo.

YTD

1 Yr.

3 Yr.

5 Yr.

1.02% -0.82%

2.54% -1.14%

4.58% -1.39%

3.41% -4.71%

2.93% -0.50%

2.91% 0.59%

5.40% 5.98%

N/A 6.98%

5/11/1987 9/18/1986

-0.03%

-0.08%

-0.20%

-0.34%

-0.34%

-0.34%

0.57%

N/A

11/15/1993

1st Q 16:

1.60%

10 Yr.

Since Incept

Inception Date

BOND PIMCO Total Return Templeton Global Bnd2

Intermediate-Term Bond World Bond

STABLE VALUE/MONEY MARKET JPMorgan Prime MM6

Money Market-Taxable

GENERAL (DECLARED RATE) ACCOUNT 3rd Q 16: 1.60% 2nd Q 16:

1.60%

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, 2016, the Declared Rate is 1.60%. Rates quoted are effective annual yields.

Period Ending July 31, 2016

Total Return

Avg Annual Total Return

—————————————————

———————————————————————————

BENCHMARK INDICES

Month

3 Mo.

S&P 500 Index1 BarCap Gov/Corp Indx2 NASDAQ3

3.69%

5.82%

7.66%

5.61%

11.16%

13.38%

7.75%

0.80%

3.00%

7.08%

6.78%

4.40%

3.88%

5.17%

6.60%

8.10%

3.09%

0.66%

12.49%

13.37%

9.46%

YTD

1 Yr.

3 Yr.

5 Yr.

10 Yr.

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. 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. 2

1-800-528-9009

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Investment Option Menu Disclosure Chart Funded by a Group Variable Funding Agreement Period Ending July 31, 2016

Underlying Fund Share Class

Expenses (%)

Fees/Payments We Receive from the Funds††† *

INVESTMENT CHOICES

—————————————————————————— Total Annual Program and Total Underlying Fund Administrative Operating Expenses † Expenses †† —————————————————————————— Gross Net(A) (B) (A + B)

SPECIALTY Prud Jenn Nat Res

A

0.55%

1.22%

1.22%

0.35%

1.57%

R3 A R3 A

0.65% 0.55% 0.63% 0.55%

1.14% 1.45% 1.09% 1.14%

1.14% 1.44% 1.03% 1.14%

0.35% 0.35% 0.35% 0.35%

1.49% 1.79% 1.38% 1.49%

A A R3

0.35% 0.55% 0.55% 0.63%

0.51% 1.39% 1.29% 1.36%

0.50% 1.34% 1.29% 1.32%

0.35% 0.35% 0.35% 0.35%

0.85% 1.69% 1.64% 1.67%

A A

0.30% 0.50% 0.55%

0.51% 1.17% 0.99%

0.50% 1.17% 0.99%

0.35% 0.35% 0.35%

0.85% 1.52% 1.34%

1.18% 1.16% 0.51% 0.88%

1.18% 1.16% 0.50% 0.88%

0.35% 0.35% 0.35% 0.35%

1.53% 1.51% 0.85% 1.23%

INTERNATIONAL/GLOBAL AF EuroPacific Grth Invesco Dev Mkts MFS Intl Value Oppenheimer Intl Gr

SMALL CAP Drey SC Stock Index Goldman SachsSmCap Invesco SC Equity MFS New Discovery

MID CAP Drey Midcap Index LA Value Opp Victory Syc Est Val

LARGE CAP AmCent Equity Income Domini Social Equity Dreyfus S&P 500 Ind Franklin Growth

1-800-528-9009

A INV A

0.60% 0.30% 0.35% 0.25%+ .10% + $12/participant

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Investment Option Menu Disclosure Chart Funded by a Group Variable Funding Agreement Period Ending July 31, 2016

Underlying Fund Share Class

Expenses (%)

Fees/Payments We Receive from the Funds††† *

INVESTMENT CHOICES

—————————————————————————— Total Annual Program and Total Underlying Fund Administrative Operating Expenses † Expenses †† —————————————————————————— Gross Net(A) (B) (A + B)

ASSET ALLOCATION/BALANCED MM RetireSMART 2015 MM RetireSMART 2025 MM RetireSMART 2035 MM RetireSMART 2045 MM RetSM In Retiremt

R4 R4 R4 R4 R4

0.50% 0.50% 0.50% 0.50% 0.50%

1.33% 1.25% 1.32% 1.49% 1.27%

1.10% 1.10% 1.16% 1.14% 1.07%

0.35% 0.35% 0.35% 0.35% 0.35%

1.45% 1.45% 1.51% 1.49% 1.42%

0.41% 1.14% 0.85% 0.89%

0.40% 1.14% 0.85% 0.89%

0.35% 0.35% 0.35% 0.35%

0.75% 1.49% 1.20% 1.24%

0.71%

0.70%

0.35%

1.05%

BOND Drey Bond Mrkt Index Loomis Sayles Bd PIMCO Total Return Templeton Global Bnd

INV Admin A A

0.30% 0.60% 0.40% 0.25%+ .10% + $12/participant

STABLE VALUE/MONEY MARKET JPMorgan Prime MM

Reserve

0.00%

You should carefully consider the investment objectives, risks, charges and expenses of the group variable funding agreements 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 the 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 deducted daily and associated with the investment choices of the group variable funding agreement. 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

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Investment Option Menu Disclosure Chart Funded by a Group Variable Funding Agreement

†† This reflects the Program and Administrative Expense deducted from the assets of the Separate Account. For some Contracts, the Program and Administrative Expense is deducted from Separate Account assets on a daily basis at the annual rate shown above. For other Contracts, the Program and Administrative Expense is deducted on a quarterly basis at the annual rate shown above. If the Program and Administrative Expense under a Contract is insufficient to cover actual costs incurred by us, we will bear the loss. If the Program and Administrative Expense 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 Program and Administrative Expense. ††† 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 2016 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

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