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MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
Defined Benefit and Defined Contribution

Recordkeeping Operations

MassMutual’s performance reflects a combination of more than 65 years of experience, investment
management expertise, and innovative technology with personalized services. It offers a full range of
products and services for corporate, union, nonprofit and governmental employers' defined benefit, defined
contribution and nonqualified deferred compensation plans. It serves approximately 2.6 million participants.
Communication with customers and participants has become essential. Participants seek to better
understand their retirement plans and capabilities, and plan sponsors and retirement professionals seek to
be better informed about regulatory issues and ways they can help participants prepare for retirement.
MassMutual is committed to developing and delivering results-driven communications that are designed to
meet the needs of all of its customers.

MassMutual Defined Benefit and Defined Description of the System Provided by
Contribution Recordkeeping Operations System MassMutual
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