Common use of UNDERSTAND AND AGREE TO THE FOLLOWING Clause in Contracts

UNDERSTAND AND AGREE TO THE FOLLOWING. 1) Any loan which by itself, or when added to other loans, exceeds the Internal Revenue Code Section 72(p) limits (as stated in the Additional Loan Terms and Conditions section) is treated as a TAXABLE DISTRIBUTION to me. Any loan which by itself, or when added to other loans, violates the terms of the Plan may have severe adverse tax consequences and may be a prohibited transaction subject to severe penalties. The Plan Administrator and I are responsible for complying with these limits when I have loans under other 403(b) TSA, 401 Pension/Profit Sharing/401(k) Plan, or Governmental 457 Plans; 2) Failure to make the scheduled payments will cause my loan to go into default. A defaulted loan is treated as a TAXABLE EVENT to me, with an IRS Form 1099-R issued for the full outstanding balance of the loan. A defaulted loan is NOT an actual distribution, and I will still owe the outstanding balance of the loan. Interest will continue to be charged until the defaulted loan is paid in full; and 3) The loan will be subject to the Additional Loan Terms and Conditions section, which I have received and read, and which I should keep for future reference I AUTHORIZE MassMutual Ascend Life Insurance Company to process this loan application. I agree to hold MassMutual Ascend Life Insurance Company harmless against any and all claims made by reason of the provision of such loan. If granted, the loan will be subject to this Qualified Annuity Contract Loan Application and Agreement, including the Additional Loan Terms and Conditions section. Signature of Owner/Annuitant/Participant Date

UNDERSTAND AND AGREE TO THE FOLLOWING. 1) Any loan which by itself, or when added to other loans, exceeds the Internal Revenue Code Section 72(p) limits (as stated in the Additional Loan Terms and Conditions section) is treated as a TAXABLE DISTRIBUTION to me. Any loan which by itself, or when added to other loans, violates the terms of the Plan may have severe adverse tax consequences and may be a prohibited transaction subject to severe penalties. The Plan Administrator and I are responsible for complying with these limits when I have loans under other 403(b) TSA, 401 Pension/Profit Sharing/401(k) Plan, or Governmental 457 Plans; 2) Failure to make the scheduled payments will cause my loan to go into default. A defaulted loan is treated as a TAXABLE EVENT to me, with an IRS Form 1099-R issued for the full outstanding balance of the loan. A defaulted loan is NOT an actual distribution, and I will still owe the outstanding balance of the loan. Interest will continue to be charged until the defaulted loan is paid in full; and 3) The loan will be subject to the Additional Loan Terms and Conditions section, which I have received and read, and which I should keep for future reference Signature of Owner/Annuitant/ParticipantERTIFICATION AND AUTHORIATION (If Applica bl Datee) I AUTHORIZE MassMutual Ascend Great American Life Insurance Company to process this loan application. I agree to hold MassMutual Ascend Great American Life Insurance Company harmless against any and all claims made by reason of the provision of such loan. If granted, the loan will be subject to this Qualified Annuity Contract Loan Application and Agreement, including the Additional Loan Terms and Conditions section. Signature of Owner/Annuitant/Participant Date.

UNDERSTAND AND AGREE TO THE FOLLOWING. 1) Any loan which by itself, or when added to other loans, exceeds the Internal Revenue Code Section 72(p) limits (as stated in the Additional Loan Terms and Conditions section) is treated as a TAXABLE DISTRIBUTION to me. Any loan which by itself, or when added to other loans, violates the terms of the Plan may have severe adverse tax consequences and may be a prohibited transaction subject to severe penalties. The Plan Administrator and I are responsible for complying with these limits when I have loans under other 403(b) TSA, 401 Pension/Profit Sharing/401(k) Plan, or Governmental 457 Plans; 2) Failure to make the scheduled payments will cause my loan to go into default. A defaulted loan is treated as a TAXABLE EVENT to me, with an IRS Form 1099-R issued for the full outstanding balance of the loan. A defaulted loan is NOT an actual distribution, and I will still owe the outstanding balance of the loan. Interest will continue to be charged until the defaulted loan is paid in full; and 3) The loan will be subject to the Additional Loan Terms and Conditions section, which I have received and read, and which I should keep for future reference I AUTHORIZE MassMutual Ascend Great American Life Insurance Company to process this loan application. I agree to hold MassMutual Ascend Great American Life Insurance Company harmless against any and all claims made by reason of the provision of such loan. If granted, the loan will be subject to this Qualified Annuity Contract Loan Application and Agreement, including the Additional Loan Terms and Conditions section. Signature of Owner/Annuitant/Participant Date