MASS MUTUAL

UNDERWRITING OF INDIVIDUAL LIFE INSURANCE, DISABILITY INCOME INSURANCE, AND FIXED AND VARIBLE ANNUITIES FOR UNDERWRITING AND RELATED ADMINISTRATIVE SERVICES FOR GROUP LIFE, ACCIDENT AND HEALTH INSURANCE; FOR INVESTMENT, MANAGEMENT AND ADMINISTRATION OF FUNDS, TRUSTS, AND GROUP PENSION PLANS; FOR INVESTING THE FUNDS OF OTHERS IN SECURITIES AND REAL ESTATE; AND FOR BROKER-DEALER SERVICES WITH RESPECT TO UNIT INVESTMENT TRUSTS, MUTUAL FUNDS, VARIABLE INSURANCE AND ANNUITY CONTRACTS, LIMITED PARTNERSHIPS, PRECIOUS METAL CERTIFICATES, AND STOCKS AND BONDS