We recognize that our relationships with you are based on integrity and trust. We work hard to maintain your privacy. We are very careful to preserve the private nature of our relationship with you. At the same time, the very nature of our business sometimes requires that we collect or share certain information about you with others. As such, we want you to be aware of how we handle and protect your personal information. Our policies and procedures for collecting and disclosing personal information are detailed below:

We may collect non-public personal information about you from:

	Trust documents, applications, or other forms, interviews, or by other means;
	Consumer or other reporting agencies, medical or health care providers, government agencies, employers or others;
	Your transactions with us, our affiliates, or others; and
	Our Internet website.

We may share the information we collect with agents, brokers and others who service you. We may share the financial information we collect with financial service affiliates such as insurance companies, investment companies, insurance agencies, and securities broker-dealers.

Generally, we are allowed to share your financial information with our affiliates in marketing products or services to you. You cannot limit these disclosures. We may also share that information with companies that perform marketing, issue or administrative services for us.

We may share some or all of the information we collect with other financial institutions with whom we jointly market products. This may be done only if it is permitted in the state in which you live. Some disclosures may be limited to your name, contact and transaction information with us or our affiliates.

Any disclosures will be only to the extent permitted by federal and state law. Certain disclosures may require us to get an “opt-in” or “opt-out” from you. If this is required, we will do so before information is shared. Any medical or health information we collect about you may be shared with third parties only to administer your account, as permitted by law, or as authorized by you.

We require anyone with whom we share your personal information to protect it. We also require that they use it solely for the purpose for which it was shared.

Otherwise, we do not share any personal information about our customers or former customers unless authorized by the customer or as permitted by law.

We restrict access to personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic and procedural safeguards that comply with legal standards to guard your personal information.

If we provide more than one product or service to you, you may receive more than one privacy notice from us. We apologize for any inconvenience this may cause you. We want to be sure you are aware of our privacy practices.

This notice is provided by The MassMutual Trust Company, a member of the MassMutual Financial Group.

MassMutual Financial Group is a marketing name (or fleet name) for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliates.

The MassMutual Trust Company, F.S.B. was established to help MassMutual sales professionals deliver agent-friendly fiduciary services to their clients. MMTC sells no insurance or investment products and respects agent-client relationships. When the services of a professional trustee are needed to implement clients’ estate, wealth transfer, and charitable giving strategies, MMTC is available to work with MassMutual sales professionals to provide long-term fiduciary solutions.

In addition, MassMutual Trust, as a provider of fiduciary services, does not sell investment products of any kind.

The information and content of this Web site is proprietary. While you may print a copy of the information contained on this Web site for your own purposes, any other republication or redistribution of the text or graphics of this Web site, including, without limitation, linking or framing, is expressly prohibited without prior written permission of MassMutual Trust. You may request permission by contacting our webmaster at www.massmutualtrust.com

Requests to link to our site must include the URL of your site and an explanation for the link to our site.

The information and functions on this Web site are provided as conveniences to visitors and are presented in "as is" condition without any express or implied warranties.

We permit links from other sites and provide links to other sites as a convenience to visitors. We make no representations about the accuracy or completeness of the information contained in any linked sites and assume no liability for the content or presentation of linked sites.

No information contained on this Web site constitutes an offer or solicitation for the sale of any security or service in any jurisdiction where we or the security or service are not licensed.

Some products or services described in this Web site may not be available in all jurisdictions and are generally not available for purchase outside the United States.

The information on this Web site is provided for informational purposes and is not intended and should not be construed as legal or professional advice. The information is not a substitute for legal or professional advice from a competent, independent adviser in your jurisdiction.

We are the copyright owner of all text and graphics images contained on this website, unless otherwise indicated. The following are registered marks of MassMutual^® and are used with permission, all rights reserved.

We are committed to ensuring that the information you provide to us via the Internet is secure. The following statement defines our policy regarding maintaining your privacy and the security safeguards we have implemented to keep your information secure and confidential.

A cookie is a small data file that some Web sites write to your hard drive when you visit them. A cookie file can contain non-personal information such as the date and time of a Web site visit, an IP (computer) address, a user ID, a referrer (what Web site you came from), and the Web browser version and capabilities. A cookie cannot read data off your hard disk or read cookie files created by other sites. The only personal information (such as name, address, social security number or other information that identifies you personally) a cookie can contain is information you supply.

We do not collect personal information through our Web site unless you willingly provide it to us either directly by e-mail or in those areas of the Web site that request it.

If you have set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You can refuse cookies by turning them off in your browser. However, doing so may limit accessing all sections of this Web site.

We use cookies to help us improve and manage our Web site. For example, cookies help us recognize new versus repeat visitors to the site, track the pages visited and enable some special features on the Web site. This data helps us provide a better service for our Web site visitors.

There is always the possibility of unknowingly acquiring computer viruses on the Internet. We suggest that you make every effort to be aware of this possibility and to scan downloaded materials. We are not responsible or liable for any damage caused by these viruses.

Regular Internet e-mail is not secure and should not be used to send confidential information.