Expand Your TotalBenefits with the ADP TotalSource 401(k) Retirement Savings Plan

Expand Your TotalBenefits with the ADP TotalSource 401(k) Retirement Savings Plan December 17, 2009 Your ADP TotalSource Retirement Savings Plan Solution

Agenda: Solutions for a healthier plan What makes the ADP TotalSource solution unique Service and support Strong strategic partners MassMutual and 401(k) Advisors Manage risk Direct access to your own 401(k) specialist Competitive fee structure No direct administrative fees to the employer Investments Flexibility and choice to help participants reach their goals Ease of transition People, process, and communications to ensure a smooth transition Worksite employee communications Maximizing retirement success for your participants through user-friendly participant services Flexible plan design options Choose from multiple options to meet your company s needs and maintain current plan features RS-18007-00 2

Service and Support Significantly reduce your administrative burden and manage risk Your ADP TotalSource Retirement Savings Plan Solution

A smart move for your business Our dedicated service teams will significantly reduce your administrative burden and help manage risk, allowing you to focus on running your business Direct access to your own 401(k) Specialist: Single point of contact for your questions Accountable for your overall satisfaction In conjunction with our administrative and investment professionals, ADP TotalSource: Performs all recordkeeping, annual testing, and required IRS plan filings on your behalf Provides fiduciary oversight of all investment and administrative functions, including fund selection and due diligence, employee communications, and education Reduced fiduciary liability: ADP TotalSource is the plan sponsor, administrator, and named fiduciary RS-18007-00 4

Administrative services provided by MassMutual Who is MassMutual? Focused on using our resources to address our customers needs Over 155 years Fortune 500 company* $363 billion in assets under management as of 12/31/2008** Most Admired Companies in America in our industry for six years running*** Our value proposition: MassMutual is an industry-leading innovator with a passion for service and the power to maximize retirement success. Recognized Corporate Strength*** Signs of Consistent Financial Strength Rating Agency Rating Standard and Poor s Corp., AAA (Extremely A++ Strong) Superior A.M. Best Fitch Ratings, AAA (Exceptionally Strong) Fitch Ratings (top category of 15) AAA Exceptionally strong (top category of 21) A.M. Best Company, A++ Aa1 Excellent (Superior) Moody s Investor Service (second category of 21) Moody s Investors Service Inc., Aa1 (Excellent) Standard & Poor s AA+ Very Strong (second category of 21) Ratings are for Massachusetts Mutual Life Insurance Company and its subsidiaries: C.M. Life Insurance Company and MML Bay State Life Insurance Company. Ratings as of 8/26/09. Ratings are subject to change. ***Ratings apply to Massachusetts Mutual Life Insurance Company, MML Bay State Insurance Company, and C. M. Life Insurance Company as of October 6, 2008 and are subject to change. * Fortune Magazine, May 4, 2009. ** Assets under management include assets and certain external investment funds managed by MassMutual's subsidiaries *** Fortune Magazine, March 16, 2009 RS-18007-00 5

Outsourced administration and compliance provided by MassMutual Day-to-Day Administration Mail Enrollment Packages Enrollment Salary Deferral Changes Contribution Limit Monitoring Loan Monitoring Hardship Withdrawal Suspension Monitoring Process Distributions and QDRO's Investment Changes Direct Mail to Homes Direct / Paperless Loans Installments Beneficiary Changes Approve Hardship Withdrawals ERISA Advisory Services SM Compliance: Perspectives Quarterly newsletter Plan Sponsor Website Consulting: Investment Policy Statements Assistance with ERISA 404(c) compliance Document Preparation Testing: General: ( 416, 415, 410(b)) Defined Contribution: (ADP/ACP, 402(g), Plan Limit, 401(a)(4)) Reporting: File Form 5500 with IRS Auditor s Package RS-18007-00 6

Investment analysis provided by 401(k) Advisors Who is 401(k) Advisors? A Registered Investment Advisor whom the Plan fiduciaries have engaged to provide ongoing and regular investment guidance and advice to the Plan s Investment Committee. Assist the Plan fiduciaries in meeting their ERISA fiduciary obligations by: Providing a comprehensive and systematic process to analyze, select, monitor, and replace investment options (when prudent) Utilizing several of the best, most robust analytical tools available in the industry today RS-18007-00 7

Competitive Fee Structure No direct administrative fees to the employer Your ADP TotalSource Retirement Savings Plan Solution

The zero cost solution for employers Recordkeeping / administrative services provided to ADP TotalSource: Installation / conversion $0 Amendments $0 Plan document restatement $0 Annual non-discrimination testing $0 Determination of highly compensated & key employees $0 Eligibility verification $0 Contribution allocation / verification $0 IRS Form 5500 $0 Accountant's report (Form 5500) $0 Summary Annual Report $0 Fidelity Bond rider provided by ADP TotalSource $0 Comprehensive loan administration $0 Group enrollment / re-enrollment meetings $0 Trust services through State Street Bank and Trust $0 Investment services provided to ADP TotalSource 401(k) Retirement Savings Plan: Certified due diligence & monitoring process $0 Qualified investment committee through ADP TotalSource $0 Third party Registered Investment Advisor $0 Online access to investment reports $0 Fiduciary Warranty issued to ADP TotalSource $0 Total direct cost to the employer: $0 RS-18007-00 9

Potential costs to the participant No annual participant fee Certain transactions may incur costs which are paid by the participant: Withdrawals: $40 Participant loans: Initiated online or through the Voice Response Unit (VRU): $50 Processed with paper forms: $100 Self-directed brokerage (optional): $100 annually and per-trade commissions (paid only by participants who elect to use it) MorningStar Advice (optional): $25 annually (paid only by participants who elect to use it) The fees shown above do not include fund expense ratios (standard operating expenses that all mutual funds charge); these are already calculated into the returns for each fund. Direct cost to the employer remains at $0 RS-18007-00 10

Investments Flexibility and choice to help participants reach their goals Your ADP TotalSource Retirement Savings Plan Solution

Choices provided, quality assured ADP TotalSource is committed to a multi-manager menu of funds, diversified by asset class, style, and strategy Professionally managed Multi-manager philosophy, approach, and strategy Rigorous due diligence and monitoring program Portfolio diversification Mitigation of fiduciary risk RS-18007-00 12

Investment line-up Higher International/Global Small Cap Growth Small Cap Value EuroPacific Growth (American Funds) International Equity Index (Northern) New Horizons (T. Rowe Price) Select Small Company Value (Fed. Clover/T.Rowe/Earnest) Mid Cap Growth Select Mid Cap Growth Equity II (T. Rowe Price) Asset Allocation/Lifestyle POTENTIAL RISK/RETURN Mid Cap Value Large Cap Growth Large Cap Core Large Cap Value Intermediate Term Bond Advantage Mid Cap Disciplined (WellsFargo) Select Blue Chip Growth (T. Rowe Price) Select Indexed Equity (Northern Trust) Select Fundamental Value (Wellington) Total Return (PIMCO) Bond Index (Northern) Select Strategic Balanced (JP Morgan/Western) Conservative Journey Moderate Journey Aggressive Journey Dow Jones Target Today Dow Jones Target 2015 (SSGA) Dow Jones Target 2025 (SSGA) Dow Jones Target 2035 (SSGA) Dow Jones Target 2045 (SSGA) Lower Short-term/Stable Value Stable Return II (Wells/Galliard) The risk/return indicator is for comparative purposes and is based on the general comparative risks of these categories. See disclosure slide for important risk disclosures about plan investment options. RS-18007-00 13

Disclosures Risk Disclosures for Certain Asset Categories Please note that your plan may not offer all of the investment options discussed below. If a retirement plan fully or partially terminates its investment in The Guaranteed Interest Account (GIA), Fixed Interest Account or SAGIC investment option, the plan receives the liquidation value of its investment, which may either be more or less than the book value of its investment. As a result of this adjustment, a participant s account balance may be either increased or decreased if the plan fully or partially terminates the contract with MassMutual. Risks of investing in inflation-protected bond investments include credit risk and interest rate risk. Neither the bond investment nor its yield is guaranteed by the US Government. High yield bond investments are generally subject to greater market fluctuations and risk of loss of income and principal than lower yielding debt securities investments. Investment option(s) that track a benchmark index are professionally managed investments. However, the benchmark index itself is unmanaged and does not incur fees or expenses and cannot be purchased directly for investment. Investments in companies with small or mid market capitalization ( small caps or mid caps ) may be subject to special risks given their characteristic narrow markets, limited financial resources, and less liquid stocks, all which may cause price volatility. International investing can involve special risks, such as, political changes and currency fluctuations. These risks are heightened in emerging markets. You cannot transfer into international investment options if you have already made a purchase followed by a sale (redemption) involving the same investment within the last sixty days. In addition, you may not request a transfer into international investment options between 2:30 and 4 p.m. ET. Other trading restrictions may apply. Please see the investment s prospectus for more details. A significant percentage of the underlying investments in aggressive asset allocation portfolio options have a higher than average risk exposure. Investors should consider their risk tolerance carefully before choosing such a strategy. An investment option with underlying investments (multi-investment options, which may include Select Destination Retirement Series, Journey Options and any other offered proprietary or non-proprietary asset-allocation, lifestyle, lifecycle or custom blended options) may be subject to the expenses of those underlying investments in addition to those of the investment option itself. RS-18007-00 14

Self-Directed Brokerage Account* The SDBA allows market-savvy plan participants to invest a portion of their retirement assets outside the investment options offered by the plan through a brokerage account offered in conjunction with State Street Global Markets, LLC Offered by less than 20% of small plans Access to over 3,500 mutual funds, common stocks listed on the NYSE, AMEX, and NASDAQ, and most corporate and government bonds (no ADP stock) An annual fee of $100 ($25 per quarter) will be deducted from the participant s 401(k) balance to maintain the brokerage account, along with per-trade commissions No cost to the employer *Full rules/details about the SDBA (including expenses & % limitations) are available. The Self-Directed Brokerage Account (SDBA) offers great flexibility to retirement investors who want to manage their own money and make their own decisions. Generally, it requires more knowledge and attention than other investment options may require. It will also cost investors more in fees. Investing involves risks including the possible loss of principal. Investors should consider an investment s objectives, risks, fees and expenses carefully before investing. This information is available through State Street Global Markets, LLC at (866) 548-5595. RS-18007-00 15

Transition People, process, and communications to ensure a smooth transition Your ADP TotalSource Retirement Savings Plan Solution

Plan transfer process leave it to us! Once you complete the required 401(k) set-up documents, a dedicated 401(k) conversion manager will work with you to: Provide communication tools for worksite employees and participants Gather additional documents Transfer account records from prior provider Set up new plan RS-18007-00 17

Sample transition timeline (T - 90) SELECT ADPTS (T - 75) (T - 60) (T - 45) (T - 30) (T - 15) (T -7) (T ) (T +5 ) (T +13) PLAN LIVE Planning/Fact- Finding Call Prior Vendor Notified Periodic Conference Calls Commence MassMutual Contacts Prior Vendor Plan Documents, 5500s, Testing Results Provided Final Investment Options and Mapping Determined Due Diligence Review Performed Sarbanes Oxley (Blackout) Notice Provided to Participants Mapping Provided Demographic Information Loaded to MMRS Systems Sponsor Website Access Provided Enrollment Flyers mailed to Homes with PIN Numbers Prior Vendor Blackout Period Begins Assets Received from Vendor Prior Vendor Provides Breakdown by Old Investment Option Assets Reinvested in New Mapped Investment Options Final Records Received from Prior Vendor Shortest possible blackout period for your participants RS-18007-00 18

Total Retirement Center your window to information Reporting and and Plan Plan Management 24/7 24/7 Secure Secure website: website: access access limited limited by by user user Confidential Confidential reports reports available available at at your your fingertips fingertips Access Access to to participant participant account account information information via via The The Journey Journey For For Internet Internet Services Services Demos: Demos: http://www.massmutual.com/rsdcdemo http://www.massmutual.com/rsdcdemo Name: Name: retire retire Password: Password: secure secure (Expires (Expires 1/31/10) 1/31/10) RS-18007-00 19

Worksite Employee Communications Maximizing retirement success for your participants Your ADP TotalSource Retirement Savings Plan Solution

Helping worksite employees achieve the most from your plan We provide comprehensive enrollment and ongoing communications to your participants, including: Transition communications Targeted enrollment campaigns, with measurable results Ongoing education, available online and onsite Customer service and internet access with online investment advice Quarterly financial statements RS-18007-00 21

Enrollment communications Enrollment Campaign: Touchpoint 1 A personalized enrollment brochure provides the participant's PIN, instructions for enrolling in the plan, and a list of investment options. Also available in Spanish Enrollment Campaign: Touchpoint 2 A reminder postcard includes easy enrollment instructions. Also available in Spanish Enrollment Campaign: Touchpoint 3 The ExpressLane SM brochure illustrates how a small contribution can grow in the long- term and encourages on-the-spot enrollment via the postage paid tear-off postcard. Also available in Spanish RS-18007-00 22

Participant statements Participant Financial Statement MassMutual provides participants with a quarterly snapshot of their retirement plan account, including balances by asset category, account activity by investment option, investment performance, and custom sponsor messages. Also available in Spanish RS-18007-00 23

FLASH SM (800)-74-FLASH (35274) Available 24 Hours, 7 days a week Obtain account balances Initiate transfers Change investment selection Review investment performance Contact a MassMutual customer service representative RS-18007-00 24

Worksite employee education and support Retirement Education Specialists (RES) FINRA registration and industry knowledge Passionate about helping your employees prepare for retirement Live group or 1-on-1 meetings, web-based (live or recorded), and e4 meetings* Participant Information Center Customer service specialists 8:00 a.m. 8:00 p.m. Eastern Time, Monday Friday Multilingual assistance available Retirement Specialist Group: Provides transition assistance for retiring and terminated participants *Minimum participant count is required for live meetings; talk to your 401(k) Specialist to learn more. RS-18007-00 25

e4 SM Electronic Enhanced Education Experience State-of-the-art technology to enhance an enrollment or investment education meeting experience Creates secure, wireless network using handheld, pocket PCs No forms to process Provides ability to gather and react to real time data from meeting attendees Intuitive, fun, portable, and private E4 sm brings results E4 sm brings results Percentage of participants that took a positive action during an e4 meeting: 95%* All ADP TotalSource enrollment meetings may be conducted with e4 technology** Additional handouts will be provided if you elect to conduct a traditional meeting **Minimum participant count is required for live meetings; talk to your 401(k) Specialist to learn more. *As of December 31, 2008 RS-18007-00 26

Enhanced online participant experience Account Account Access Access and and Planning Tools Tools 24/7 24/7 Comprehensive Comprehensive plan plan and and account account information information Behavioral Behavioral Based Based Enrollment Enrollment Experience Experience Perform Perform transactions transactions Research Research Investments Investments and and performance performance Numerous Numerous retirement retirement planning planning tools tools and and investment investment guidance guidance and and advice advice powered powered by by Morningstar Morningstar Statement Statement on on demand demand with with transaction transaction detail detail and and personal personal rate rate of of return return estimates estimates For Internet Services Demos: For Internet Services Demos: http://www.massmutual.com/rsdcdemo http://www.massmutual.com/rsdcdemo Name: [retire] RS-18007-00 Name: [retire] 27 Password: Password: [early] [early] [Expires [Expires 10/31/08] 10/31/08]

Morningstar planning tools 3 levels of investment guidance Express Solution Guided Solution Detailed Solution Tool Used Brief investor profile quiz Morningstar Guidance Online SM Planning Center Morningstar Advice Online SM Advice Center Solution Provided Custom portfolio consisting of investments in the plan Asset investment mix based on information you provide about your goals and tolerance for investment risk Recommendations for investing in specific options offered within your plan Cost No cost No cost $25/year (Unlimited use) Scope Integrates existing 401(k) data Integrates existing 401(k) data Integrates existing 401(k) data & other retirement assets Morningstar Online sm is offered by Morningstar Associates, LLC, a registered investment advisor and a wholly owned subsidiary of Morningstar, Inc., and is not a FINRA member firm. RS-18007-00 28

Signs of a good decision I was impressed with MassMutual s literature. The design and the writing were targeted to specific audiences and our employees could relate to them MassMutual s materials fit everyone: their retirement services professionals talk with our employees and it s a genuine interaction. Evelyn Nazario, Benefits Compensation and Systems Manager, MonierLiftetile Key findings: Percentage of participants that took a positive action during an e4 meeting: 95%* Enrollment campaign in place of a standard enrollment book increases enrollments by 10% Our behavioral based print campaigns have an average response rate over 6% Web based enrollments are up by 38% and 57% of enrollments use the Express path** * Results from meetings presented by a MassMutual Retirement Education Specialist as of December 2008. ** Results from 11 months prior to Express Enroll vs. the 11 months after RS-18007-00 29

Flexible plan design options Choose from multiple options to meet your company s needs and maintain current plan features Your ADP TotalSource Retirement Savings Plan Solution

Design a plan that works for you A transition to ADP TotalSource means flexibility to choose important features of your plan, such as: Eligibility requirements and entry dates Automatic enrollment Employer contributions: Safe Harbor Discretionary Vesting schedule RS-18007-00 31

Ready to make a change? Learn more about your options for retirement plan management Questions? Find out more about how ADP TotalSource can reduce your workload, minimize your risk, and help improve plan health. Please fill out the 2-minute survey at the end of the presentation to provide your contact information and questions. Thank you! Your ADP TotalSource Retirement Savings Plan Solution