MASSMUTUAL FINANCIAL GROUP

INSURANCE AND FINANCIAL SERVICES, NAMELY, ACTUARIAL SERVICES, INSURANCE ADMINISTRATION, FINANCIAL ANALYSIS AND CONSULTATION, ASSET MANAGEMENT, ANNUITY UNDERWRITING, [ BANKING, COMMERCIAL LENDING, NAMELY, COMMERCIAL MORTGAGES, PRIVATELY PLACED DEBT SECURITIES AND BANK LOANS, ] INSURANCE AND SECURITIES BROKERAGE, BROKER-DEALER SERVICES, NAMELY, PURCHASE AND SALE OF SECURITIES PRODUCTS, NAMELY, STOCKS, BONDS, MUTUAL FUNDS AND UNIT INVESTMENT TRUSTS, [ CREDIT CARD SERVICES, ] MUTUAL FUND DISTRIBUTION SERVICES, ADMINISTRATION OF EMPLOYEE BENEFIT PLANS, FIDUCIARY REPRESENTATIVE SERVICES, ELECTRONIC FUNDS TRANSFERS, INVESTMENT ADVICE, INVESTMENT MANAGEMENT, MONEY MANAGEMENT, MUTUAL FUND SERVICES, ADMINISTRATION OF EMPLOYEE PENSION PLANS, POOLED INVESTMENT FUND MANAGEMENT, UNDERWRITING REINSURANCE, RETIREMENT INVESTMENT MANAGEMENT, ESTATE TRUST SERVICES, SECURITIES UNDERWRITING AND SECURITIES BROKERAGE