MML Investors Services, LLC Transaction Authorization Booklet

Forms include: • Transaction Authorization Form (TAF) • Additional Online/Telephone Transaction Form

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Transaction Authorization Booklet Instructions Note: p Comment sections are to provide written explanations; they are not to be used for account instructions and will not be acted upon. p Information contained in any of these forms will not be sent to a Product Sponsor.

Transaction Authorization Form (TAF)

• • • • • •

Required (in addition to the Investor Account Form-IAF) when initially establishing a new account level registration; and Required for any additional investments made to a different product sponsor within the same account level registration; Must be completed in its entirety; All account holder signatures are required; Registered Representative signature is required; Agency Registered Principal signature is required for all variable transactions.

Additional/Telephone Transaction Form

• • • •

Required for all redemptions, exchanges within existing fund complex, and variable sub-account transfers/reallocations; Complete the applicable sections of the form in its entirety; Registered Representative signature is required (note – only one Rep if account is split); Agency Registered Principal signature is required, if applicable.

Examples Please note: Product sponsor forms are required, however, not referenced. Client signature required unless otherwise noted. Supplemental documents may be required based on registration type.

1. New MML Investors Services client:

a. Rep/client will submit a completed IAF with all Books & Records Information and suitability to establish an account level registration. b. Rep/client will submit TAF with all transactional information related to the purchase including source of funds and method of payment.

2. Existing MML Investors Services client & registration with a new purchase:

a. Rep/client will submit TAF with all transactional information related to the purchase including source of funds and method of payment.

3. Existing client & registration with a transaction other than a purchase:

a. Rep/client will submit Additional/Telephone Transaction Form with all transactional information related to the exchange/redemption/variable sub-account info (client signature is not required – only Rep).

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Transaction Authorization Form 1295 State Street, Springfield, MA 01111-0001 Please review your client’s suitability profile prior to submitting a new purchase. If information is missing or outdated, it is required to be updated. Changes can be submitted via the MMLIS Workbench or the Suitability Addendum Form.

Section 1 – Account Information MML Investors Services Account Number _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Rep ID or Split Code _________________________________________ Client SSN/TIN _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Account Owner Name/Registration__________________________________________________________________________________________________________

Section 2 – Purchase Investment Information Is this purchase part of an Investment Strategy? Is an Automatic Investment Plan being established?

n Yes

n No

n Yes

n No

(Use extra pages as necessary.) Product #1 Product Sponsor _____________________________________________________________________________________________________________________________ Product Name _______________________________________ Share Class (if applicable)_______________________________________ Date Prospectus Provided ____________________________ Amount of Purchase________________________________________________________ Product #2 Product Sponsor _____________________________________________________________________________________________________________________________ Product Name ______________________________________ Share Class (if applicable)______________________________________ Date Prospectus Provided ____________________________ Amount of Purchase________________________________________________________ Product #3 Product Sponsor _____________________________________________________________________________________________________________________________ Product Name ______________________________________ Share Class (if applicable)______________________________________ Date Prospectus Provided ____________________________ Amount of Purchase________________________________________________________ Product #4 Product Sponsor _____________________________________________________________________________________________________________________________ Product Name ______________________________________ Share Class (if applicable)______________________________________ Date Prospectus Provided ____________________________ Amount of Purchase________________________________________________________

Section 3 – Source of Funds

(Check all that apply.)

n Wages/Salary n Investment Income

n Mutual Fund Redemption n Sale of Stocks

n C  D/Money Market Withdrawal n Personal Savings (e.g. bank savings account)

n Sale of Real Estate n Qualified Plan Rollover

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n Qualified Plan Distribution n Non Variable Life Insurance/ Annuity (Surrender/Loan/ Withdrawal)

n L ife Insurance/Annuity (Benefit Payment) n Variable Annuity/Life (Surrender/Loan/Withdrawal)

n O  ther ��������������������������������������������������������������������������������������������������������������������������� (e.g. Inheritance, Payroll deduction)

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Section 4 – 529 Suitability Questions Beneficiary Name ___________________________________________________________________________________________________________________________ Current Age of Beneficiary _______   Estimated future cost of education at the time the funds will be used? __________ How many years until the funds will be needed to pay for qualified educational expenses? __________ How many years will the funds be required for? __________

Section 5 – Comments ________________________________________________________________________________________________________________________________________________ ________________________________________________________________________________________________________________________________________________ ________________________________________________________________________________________________________________________________________________ ________________________________________________________________________________________________________________________________________________

Section 6 – Account Holder(s) Signature I acknowledge the following (please review the following): I have received a Prospectus, Offering Memorandum, or other disclosure documents referenced above and understand that it is my responsibility to thoroughly read and understand it prior to investing. Although all sections of the Prospectus, Offering Memorandum or other disclosure documents are relevant to my investment, I will pay particular attention to the contents of the following sections: • Risk Factors • Fund’s Objective Factors • Sales Charges and Expenses • Performance History • Suitability Requirements

• Tax Aspects • Liquidity Restrictions • Surrender Charges/Periods • Penalties for Early Withdrawal • Administrative Fees/Mortality Expenses

• Breakpoint/Aggregation Qualifications • Reinstatement • Rider Features and Fees (Variable Products) • Market Risk • Potential benefits of in-state vs. out-of-state 529 Plans

I understand that this transaction is subject to the terms and conditions contained in the Investor Account Form that I signed when I opened this account. These terms and conditions include (but are not limited to) a pre-dispute arbitration clause. If the information I provided when I originally completed the Investor Account Form has changed, I have provided updated information to my Registered Representative. I have received and reviewed a copy of MML Investors Services’ disclosure brochure, Connecting You with the Right Investment Choice. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents. Similarly, we will ask for identifying information and/or documents for accounts opened on behalf of an entity, rather than an individual (e.g., trusts, corporations). If you cannot provide the information or documentation we require, we may be unable to open an account or effect a transaction for you. I hereby acknowledge that the applicable implications and risks of investing in the product(s) named above have been discussed with me by my Registered Representative. Signature____________________________________________________________ Date (mm/dd/yyyy)___________________________ X Signature____________________________________________________________ Date (mm/dd/yyyy) __________________________ X Signature____________________________________________________________ Date (mm/dd/yyyy)___________________________ X Signature____________________________________________________________ Date (mm/dd/yyyy) __________________________ X

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Section 7 – Registered Representative(s) Signature Registered Representative Attestation: If I have recommended this transaction, I believe this transaction is suitable for the stated objectives of this account. I have completed a separate suitability review before completing this form, provided a prospectus to the account holder (when applicable), and discussed all features of the product being purchased, including any breakpoints and rights of accumulation available. By signing below, I certify that I have met with the owner(s) in person to review the product and investment features. Additional registered representatives that have participated in the sale through direct contact with the owner(s) are required to sign this form. Registered representatives that are listed for commission sharing purposes only and have not had direct contact with the owner(s) are not required to sign below. MML Investors Services’ policy is that all representatives assigned to an account share equal responsibility for servicing and maintaining an account, unless it is otherwise disclosed. Any special arrangements with regard to scope of responsibility is required to be disclosed on the Scope of Responsibility Form. Representative ID or Split Code__________________________________ Agency #___________________________________________ Print Representative Name ________________________________________________________________________________________

X Representative Signature ________________________________________________ Date (mm/dd/yyyy) _________________________ Print Representative Name ________________________________________________________________________________________

X Representative Signature ________________________________________________ Date (mm/dd/yyyy) _________________________ Section 8 – To Be Completed by Registered Principal Print Name of Principal _____________________________________________________________ ID# _________________________

X Principal Approval ____________________________________________________ Date (mm/dd/yyyy)___________________________

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Additional Online/Telephone Transaction Form This form should be used for directly held Mutual Fund and Variable Annuity accounts where the Registered Representative is initiating online or telephone transactions on behalf of the client. For Mutual Funds the activities include Exchanges and Redemptions. For Variable Annuities, sub-account transfers or reallocations should be reflected.

Section 1 – Account Number Account Registration___________________________________________________________ Account Number ___________________________________________

Section 2 – Briefly explain the reason for this transaction _____________________________________________________________________________________________________________________________________________ _____________________________________________________________________________________________________________________________________________ _____________________________________________________________________________________________________________________________________________ _____________________________________________________________________________________________________________________________________________ _____________________________________________________________________________________________________________________________________________

Section 3 – Transaction Type and Date Is this purchase part of an Investment Strategy?

n Yes

n Exchange within Fund Complex

n No

n Redemption

n Variable sub-account transfer or reallocation

Date of Transaction ________________________

Section 4 – Exchange Investment Information Product Sponsor _____________________________________________________________________________________________________________________________ Exchange From

Exchange To

Product Name _________________________________________

Product Name _________________________________________

Transaction Amount ___________________________

Transaction Amount ___________________________

Exchange From

Exchange To

Product Name _________________________________________

Product Name _________________________________________

Transaction Amount ___________________________

Transaction Amount ___________________________

Exchange From

Exchange To

Product Name _________________________________________

Product Name _________________________________________

Transaction Amount ___________________________

Transaction Amount ___________________________

Exchange From

Exchange To

Product Name _________________________________________

Product Name _________________________________________

Transaction Amount ___________________________

Transaction Amount ___________________________

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Section 5 – Redemption Investment Information Product #1 Product Sponsor ____________________________________________________________________________________________________________________________ Product Name_______________________________________________________________________________________________________________________________ Amount of Redemption____________________________________________________________ Product #2 Product Sponsor ____________________________________________________________________________________________________________________________ Product Name_______________________________________________________________________________________________________________________________ Amount of Redemption____________________________________________________________ Product #3 Product Sponsor ____________________________________________________________________________________________________________________________ Product Name_______________________________________________________________________________________________________________________________ Amount of Redemption____________________________________________________________ Product #4 Product Sponsor ____________________________________________________________________________________________________________________________ Product Name_______________________________________________________________________________________________________________________________ Amount of Redemption____________________________________________________________

Section 6 – Variable Product Sub-account Transfer or Reallocation Product ___________________________________________________________________ Contract Number______________________________________________ Transferred from Sub-account_______________________________________________________________ $ or % ________________________________________________________ Sub-account_______________________________________________________________ $ or % ________________________________________________________ Sub-account_______________________________________________________________ $ or % ________________________________________________________ Sub-account_______________________________________________________________ $ or % ________________________________________________________ Transferred to Sub-account_______________________________________________________________ $ or % ________________________________________________________ Sub-account_______________________________________________________________ $ or % ________________________________________________________ Sub-account_______________________________________________________________ $ or % ________________________________________________________ Sub-account_______________________________________________________________ $ or % ________________________________________________________

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Section 7 – Registered Representative(s) Signature Registered Representative Attestation: By signing this form, I acknowledge that: • the client has received the appropriate Prospectus, Offering Memorandum or other disclosure document for each new product purchased; • I effected this transaction according to the specific instructions of the client; • I have explained all fees, charges, and tax consequences to this client; • I have explained contract limitations or restrictions concerning sub-account transfers or reallocations to the client; • I have instructed the product sponsor to make the redemption proceeds payable to the shareholder and sent to the address of record; • I confirm that this switch is consistent with the client’s investment objectives on the Investor Account Form. • If client’s suitability profile has changed, I utilized the Suitability Addendum Form to initiate this update. • By signing below, I certify that I have met with the owner(s) in person to review the product and investment features. Additional registered representatives that have participated in the sale through direct contact with the owner(s) are required to sign this form. Registered representatives that are listed for commission sharing purposes only and have not had direct contact with the owner(s) are not required to sign below. Representative ID or Split Code__________________________________ Agency #___________________________________________ Print Representative Name _________________________________________________________________________________________

X Representative Signature ________________________________________________ Date (mm/dd/yyyy) __________________________ Representative ID or Split Code__________________________________ Agency #___________________________________________ Print Representative Name _________________________________________________________________________________________

X Representative Signature ________________________________________________ Date (mm/dd/yyyy) __________________________ Section 8 – To Be Completed by Registered Principal Print Name of Principal _____________________________________________________________ ID# _________________________

X Principal Signature _____________________________________________________ Date (mm/dd/yyyy)___________________________

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MML Investors Services 1295 State Street Springfield, MA 01111-0001 A member of the MassMutual Financial Group Massachusetts Mutual Life Insurance Company 1295 State Street Springfield, MA 01111-0001

Massachusetts Mutual Life Insurance Company and affiliates, Springfield, MA 01111-0001 www.massmutual.com

Securities offered through registered representatives of MML Investors Services 1295 State Street, Springfield, MA 01111. © 2016 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. All rights reserved. www.massmutual.com. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. MI1074  616