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To: Former employees of Mutual Benefit Life Insurance Company or MBL Life Assurance Corporation

Re: Retirement Plans

MBL Life Retirement Plan and Trust *
MBL Life Savings and Investment Plan for Employees
MBL Life Incentive Plan for Soliciting Agents

and

Post-Retirement Health Insurance and Life Insurance Benefits

To Whom It May Concern:

The above-referenced retirement plans (collectively, the “Plans”) were terminated in June, 1999, in connection with the liquidation of MBL Life Assurance Corporation (“MBL Life”). MBL Life assumed sponsorship of the Plans from The Mutual Benefit Life Insurance Company (“Mutual Benefit”) in 1994 as part of the Rehabilitation of Mutual Benefit. Mutual Benefit was dissolved in 2001.

The Plans have distributed all assets to their participants. With the exception of participants who have had annuities purchased on their behalf, these distributions were made in the form of lump sum payments issued to designated rollover institutions or directly to participants.

Please note that when an individual files a claim for Social Security benefits, it is the practice of the Social Security Administration (“SSA”) to remind the applicant that he or she may be entitled to benefits under an employer-sponsored retirement plan in which the applicant had been a participant.

The former Plan Administrator has notified SSA of the termination and liquidation of the Plans and has requested that the SSA update its database to reflect that former participants in the Plans should no longer receive such notices, but it would appear that updating their database is a slow process.

All benefits have been paid, either in the form of annuity purchases or lump sum distributions, to former participants of the Plans, and no amounts remain owed to any former participants.

If your inquiry is with regard to post-retirement health insurance and life insurance benefits, be advised that those benefits are provided by an independent trust established by MBL Life in 1999. Please direct your inquiry to

OR

*Incorporates benefits from the prior Retirement Plans for Employees, Soliciting Agents and Agency Office Employees.