Travelers offers the services of Financial Engines, L.L.C. an independent advisory firm, as another resource to help you with decisions related to retirement savings and investment selection. Financial Engines provides investors with personalized advice and portfolio management - online, on paper and by phone.

Below is a quick look at each of Financial Engines advisory services.

> Personal Evaluation - Acts as your personal "wake-up call," showing you the areas where changes may be needed to improve your financial outlook. This printed statement is sent annually to your home address.

> Online Advice - Allows you to stay in control by investing on your own with online advice to fine-tune your strategy. This service - provided to all Travelers employees at no charge - offers objective advice through Financial Engines within the Fidelity NetBenefits site. To use the Online Advice, log into your account at www.401k.com and follow the link to Financial Engines.

> Professional Management - Gives you the peace of mind knowing that professionals are selecting and monitoring your investments. If you enroll in the Professional Management program, professional investment managers will analyze the choices in the plan and select a personalized strategy for you. For a fee, Financial Engines will handle all of the transactions needed to put your investment strategy in action and continue to manage your account over time. To enroll, visit www.financialengines.com/forTravelers or call 877.401.5762.

About Financial Engines: Financial Engines Advisors, L.L.C. offers advice services to millions of employees at hundreds of organizations. They do not sell investment products or receive commissions based on their recommendations, so their advice is objective and based on your own personal situation. Financial Engines uses sophisticated financial models and the latest research to create your investment strategy.

* This link is accessible only to employees logged into Travelers secure network.