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DESCRIPTION OF THE DEFINED CONTRIBUTION AND DEFINED BENEFIT INVESTMENT SERVICE
               OPERATIONS SYSTEM
























































                                                                                               Section III

                   Description of the Defined Benefit and Defined

                        Contribution Investment Service Operations


                                                                                                    System





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