MassMutual Financial Group is a global, growth-oriented diversified financial services organization. It has been meeting the needs of its customers for more than 150 years. Its family of companies serves the needs of over 10 million clients with a broad-based portfolio of financial products and services, including: mutual funds, money management, trust services, retirement planning products, life insurance, annuities, disability income insurance and long term care insurance. MassMutual Financial Group is a marketing designation (fleet name) for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliates, which include: Oppenheimer Funds, Inc., David L. Babson and Co., Cornerstone Real Estate Advisors and MML Investors Services, Inc. Massachusetts Mutual Life Insurance Company has a long history of exceptional financial strength and has earned financial strength ratings that are among the best in the industry. Standard & Poor's Corp. rating: AAA (Extremely Strong), A.M. Best & Company rating: A++ (Superior), Moody's Investors Service, Inc. rating: Aa1 (Excellent), Fitch Ratings rating: AAA (Exceptionally Strong).* To learn more about MassMutual, visit their website: MassMutual's website. *based on ratings as of 2/1/06.   DBS Financial Group is the South Florida general agency for MassMutual. Led by General Agent David B. Schulman, CLU, ChFC, DBS Financial Group has served the needs of its clients for more than 25 years. Its associates reflect DBS Financial Group's tradition of delivering high quality of customer service, as well as its committment to give back to the community. Click here to view DBS Financial Group's website.