5/20/2019 MassMutual Funds

DCIO
MassMutual offers a compelling array of DCIO solutions in the form of the MassMutual Funds. Our
mutual fund family covers all of the major investment categories including: large cap, mid cap, small
cap, international, bonds, balanced, indexed and target date. Whether advisors or sponsors are
looking for multiple investment funds or a specific solution for their funds lineup, MassMutual has the
DCIO solutions to meet those needs

DCIO solutions provide sponsors with investment choice

Retirement plan sponsors seek to offer a broad array of investment and stable value options within their employee defined
contribution plans. Sponsors want choice among the available investments to help their employees prepare to retire.

Many financial services firms offer investments for retirement plans on a defined contribution investment-only (DCIO) basis. By
definition, DCIO investments are available to the institutional marketplace on various administrative platforms. MassMutual, long
known as a highly-regarded defined contribution plan recordkeeper, also has a dedicated team for the DCIO market that has
delivered strong results.

MassMutual offers a compelling array of DCIO solutions in the form of the MassMutual Funds. Our mutual fund family covers all of
the major investment categories including: large cap, mid cap, small cap, international, bonds, balanced, indexed and target date.
Whether advisors or sponsors are looking for multiple investment funds or a specific solution for their funds lineup, MassMutual
has the DCIO solutions to meet those needs.

What really differentiates MassMutual Funds in the DCIO marketplace is both performance and investment approach. The funds
employ a multi-manager strategy that is well suited for financial advisors and plan sponsors who are looking for unique
combinations of specialized investment expertise. MassMutual Funds are built for retirement plans, with an eye towards long-term
retirement goals that can stretch out to decades.

In a marketplace that places a premium on performance, the MassMutual Funds have risen to the occasion. That means advisors,
plan sponsors and plan participants have many choices, with 50 percent of the MassMutual Funds rated by Morningstar as either
four or five stars, and 81 percent of the funds ranked in the top quartile for five-year performance as of June 30, 2017.

In addition to our fund family, MassMutual’s stable value offerings cover the spectrum of general account, separate account and
synthetic structures. Stable value funds, available through employer-sponsored retirement plans as a capital preservation option,
are customized to meet the needs of large individual plans, or commingled for smaller plans that may not otherwise have access to
such solutions. Advisors and sponsors look to MassMutual’s stable value offerings because of our company’s financial strength,
commitment and expertise.

Our experienced team helps plan sponsors and advisors formulate solutions for any retirement plan. With our mutual fund family
and a wide array of stable value products, MassMutual is a valuable consideration for any plan. Our purpose is to help advisors and
sponsors meet their employees’ goals to protect their financial future and retire on their own terms.

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INSTITUTIONAL SOLUTIONS

Institutional Investments
(https://institutional.massmutual.com/solutions/institutional-
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Institutional Mutual Funds and Stable Value Investments

All funds carry some level of risk. Before you invest, be sure to read the fund's prospectus and shareholder reports to learn about its investment strategy
and the potential risks. Funds with higher rates of return may take risks that are beyond your comfort level and are inconsistent with your financial goals.

You may lose some or all of the money you invest — your principal and investment return will fluctuate in value so that your shares, when redeemed, may
be worth more or less that their original cost. Any dividends or interest payments may also fluctuate as market conditions change. You can obtain
prospectuses or summary prospectuses on this website or from MassMutual by sending an email to fundinfo@massmutual.com. Please read them
carefully before investing.

INVESTMENTS IN MUTUAL FUNDS ARE NOT INSURED OR GUARANTED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC) OR ANY
OTHER GOVERNMENT AGENCY.

Principal Underwriter: MML Distributors, LLC. (MMLD) Member FINRA and SIPC MMLD is a subsidiary of Massachusetts Mutual Life Insurance
Company, 100 Bright Meadow Blvd., Enfield, CT 06082.

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