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You can reserve exclusive brands and high-quality products at any time of the day or night and then pick them up at the airport on the day of flight. Everything is at your fingertips: exclusive travel editions , outstanding specials and valuable luxury products. Simply pick out and reserve the products that catch your eye anytime up to 90 days before your departure. This way, you know for certain that they will be in stock and waiting for you on the day of your flight.

This service costs you nothing and you have no obligation to buy. You pay for reserved articles when picking them up in the store. And if you have a delivery address in Germany and a ticket for a flight to another EU country, you can order items, pay for them online and have them shipped to your home as often as you like prior to your departure. You can pay with any major credit card or PayPal. No problem! They include souvenirs from the Airport Shop, electronic products and devices especially Leica cameras at Fotec and Photair , and fashion accessories from Porsche Design.

If you have any questions, our Customer Service will be happy to assist you. Categories Brands. Investment Performance. Additional Investment Policies and Risk Considerations. Table of Contents Summary Information. Past Performance is not an indication of future performance.

Important Notes about performance information for the Fund. Performance information provided is based on a composite of portfolios managed by the Sub-Adviser with substantially similar investment objectives, policies and investment strategies as the Fund. The Performance Charts do not show Fund performance and do not reflect fees that may be paid by investors for administrative services or group annuity contract charges. As an investor, you pay certain fees and expenses in connection with your investment. These fees and expenses will vary depending on the Fund in which you invest and the class of shares that you purchase.

Annual Fund Operating Expenses refer to the costs of operating the Fund. Investment Objective. Principal Investment Strategies and Risks. Alliance Capital seeks to identify compelling buying opportunities created when companies are undervalued on the basis of investor reactions to near-term problems or circumstances even though their long-term prospects remain sound. Portfolio holdings will be primarily in U.

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These Risks are described beginning on page 6. Annual Performance. There will be risks of investing in the Fund because the returns can be expected to vary from year to year. Average Annual Total Returns. Table of Contents Expense Information. Management Fees. Other Expenses 1. These examples are intended to help you compare the cost of investing in the Fund with the cost of investing in other mutual funds.

For Class A shares, the examples include the initial sales charge. Although your actual costs may be higher or lower, based on these assumptions your costs would be:. Class S. Class Y. Class L. Class A. Class N. Except for Class N shares, the figures shown above would be the same whether you sold your shares at the end of a period or kept them. For Class N shares, you would pay the following expenses if you did not redeem your shares:.

The bar chart illustrates the variability of returns achieved by Alliance Capital for accounts with investment objectives similar to that of the Fund. During the periods shown above, the highest quarterly return was Alliance Capital Composite. The bar chart is based on Class S expenses. The composite performance does not represent the historical performance of the MassMutual Diversified Value Fund and should not be interpreted as being indicative of the future performance of the Fund. Performance shown does not reflect fees that may be paid by investors for administrative services or group annuity contract charges.

The Index does not incur expenses and cannot be purchased directly by investors. Table of Contents Summary of Principal Risks. Many things can affect those values. These Principal Risks are summarized in this section. The Fund could be subject to additional risks. Although the Fund strives to reach its stated goal, it cannot offer guaranteed results. You have the potential to make money in the Fund, but you can also lose money. The Fund maintains substantial exposure to equities and does not attempt to time the market.

Because of this exposure, the possibility that stock market prices in general will decline over short or even extended periods subjects the Fund to unpredictable declines in the value of its shares, as well as periods of poor performance. Those sectins also include more information about the funds, their investments and the related risks. In the event of nationalization, expropriation or other confiscation, the Fund could lose its entire investment. Economic downturns in certain regions, such as Southeast Asia, can also adversely affect other countries whose economies appear to be unrelated.

They are subject to many of the same risks as foreign securities. Founded in , MassMutual is a mutual life insurance company that provides a broad range of insurance, money management, retirement and asset accumulation products and services for individuals and businesses. MassMutual contracts with the Sub-Adviser described below to help manage the Fund. MassMutual will be paid an investment management fee of.

The Fund also pays MassMutual an administrative and shareholder service fee at an annual rate based on a percentage of daily net assets for the applicable class of shares. The rates for the Fund are. Alliance Capital is a limited partnership, the majority ownership interests in which are held by its affiliates: Alliance Capital Management Holding L. Marilyn Goldstein Fedak.

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John D. Phillips, Jr. Phillips, a Chartered Financial Analyst, senior portfolio manager, and member of the U. From to , he was chairman of the Investment Committee and chief equity officer at Investment Advisers, Inc. MassMutual has received exemptive relief from the Securities and Exchange Commission to permit MassMutual to change sub-advisers or hire new sub-advisers for one or more funds from time to time without obtaining shareholder approval. Normally, shareholders are required to approve investment sub-advisory agreements. Several other mutual fund companies have received similar relief.

The shareholders of the Fund have previously approved this arrangement. Class A shares have up-front sales charges and Class N shares have contingent deferred sales charges. Except as described below, all Classes of shares of the Fund have identical voting, dividend, liquidation and other rights, preferences, terms and conditions. The only differences among the various Classes are: a each Class may be subject to different expenses specific to that Class; b each Class has a different Class designation; c each Class has exclusive voting rights with respect to matters solely affecting such Class; d each Class offered in connection with a 12b-1 Plan will bear the expense of the payments that would be made pursuant to that 12b-1 Plan, and only that Class will be entitled to vote on matters pertaining to that 12b-1 Plan; and e each Class will have different exchange privileges.

Because each Class will have different expenses, they will likely have different share prices. All Classes of shares are available for purchase by insurance company separate investment accounts. Each Class of shares of the Fund may also be purchased by the following Eligible Purchasers:. Eligible Purchasers. Class S shares may be purchased by:. Shareholder and Distribution Fees. Class S shares of the Fund are purchased directly from the Trust without a front-end sales charge.

Class S shares do not have deferred sales charges or any Rule 12b-1 service or distribution fees. Class Y shares may be purchased by:. Table of Contents loads when you buy or sell Class Y shares. Therefore, all of your money is invested in the Fund or Funds of your choice. Class Y shares do not have any Rule 12b-1 service or distribution fees. Class L shares may be purchased by:. Class L shares of the Fund are purchased directly from the Trust without a front-end sales charge. Class L shares do not have deferred sales charges or any Rule 12b-1 service or distribution fees.

Class A and Class N Shares. Class A and Class N shares may be purchased by:. There is no minimum plan or institutional investor size to purchase Class A or Class N shares. Class A and Class N shares may be offered to present or former officers, directors, trustees and employees and their spouses, parents, children and siblings of the Fund, MassMutual and its affiliates and retirement plans established by them for their employees.

Distribution and Service Rule 12b-1 Fees. Class A shares are sold at net asset value per share plus an initial sales charge. Class N shares are sold at net asset value per share without an initial sales charge. The Fund also pays. MassMutual may pay the. After the shares have been held for a year,. Table of Contents MassMutual pays the service fees on a quarterly basis. The Distributor will be entitled to retain a portion of the fees generated by an account, or may reallow the full amount to brokers or other financial intermediaries for providing services in connection with the distribution and marketing of Class N shares and for related expenses.

The Distributor may directly, or through MassMutual, pay a sales concession of up to 1. However, the total amount paid to brokers or other financial intermediaries at the time of sale of Class N and Class A shares, including any advance of 12b-1 service fees by MassMutual, may be only 1. In addition, MassMutual may directly, or through the Distributor, pay up to.

This compensation is paid by MassMutual, not from Fund assets. In the event that amounts paid by the Fund to MassMutual as administrative or management fees are deemed indirect financing of distribution or servicing costs for Class S, Class Y or Class L shares, the Fund has adopted distribution and servicing plans i. No additional fees are paid by the Fund under these plans. Where Class S, Class Y, Class L, Class A or Class N shares are sold in connection with nonqualified deferred compensation plans where the employer sponsor has an administrative services agreement with MassMutual or its affiliate, additional compensation may be paid as determined by MassMutual from time to time according to established criteria.

As of the date of this Prospectus, aggregate annual compensation in such cases does not exceed. The Fund may pay brokerage commissions to affiliates of its Sub-Adviser. The Fund generally determines its NAV at the market close usually p. Your purchase order will be priced at the next NAV calculated after the order is received and accepted by the transfer agent, MassMutual or another intermediary.

The Fund will suspend selling its shares during any period when the determination of NAV is suspended. The Fund can reject any purchase order and can suspend purchases if it is in its best interest. The Fund redeems its shares at their next NAV computed after your redemption request is received and accepted by the transfer agent, MassMutual or another intermediary.

You will usually receive payment for your shares within 7 days after your redemption request is received and accepted. If, however, you request redemption of shares recently purchased by check, you may not receive payment until the check has been collected, which may take up to 15 days from time of purchase.

The Fund can also suspend or postpone payment, when permitted by applicable law and regulations. You can exchange shares of the Fund for the same class of shares of another fund. An exchange is treated as a sale of shares in one fund and a purchase of shares in another fund at the NAV next determined after the exchange request is received and accepted by the transfer agent, MassMutual or another intermediary.

Your right to exchange shares is subject to applicable regulatory requirements or contractual obligations. The Fund may limit, restrict or refuse exchanges, if, in the opinion of MassMutual:. MassMutual monitors trading activity to uniformly enforce these procedures. However, those who engage in such activities may employ a variety of techniques to avoid detection. Certain foreign markets may be open on days when the Fund does not accept orders or price its shares. Class A shares are sold at their offering price, which is normally NAV plus an initial sales charge.

However, in some cases, as described below, purchases are not subject to an initial sales charge, and the offering price will be the NAV. In other cases, reduced sales charges may be available, as described below. Out of the amount you invest, the Fund receives the net asset value to invest for your account. Table of Contents dealers. The current sales charge rates and concessions paid to dealers and brokers are as follows:.

The Distributor pays dealers of record concessions in an amount equal to 1.


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The concession will not be paid on purchases of shares by exchange or that were previously subject to a front-end sales charge and dealer concession. If you redeem any of those shares within a holding period of 18 months from the beginning of the calendar month of their purchase, a contingent deferred sales charge of 1.

If Class N shares are redeemed within a holding period of 18 months from the beginning of the calendar month of their purchase, a contingent deferred sales charge of 1. The Class N contingent deferred sales charge is paid to compensate the Distributor for its expenses of providing distribution-related services to the Funds in connection with the sale of Class N shares.

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All contingent deferred sales charges will be based on the lesser of the net asset value of the redeemed shares at the time of redemption or the original net asset value. A contingent deferred sales charge is not imposed on:. To determine whether a contingent deferred sales charge applies to a redemption, the Fund redeems shares in the following order:.

Contingent deferred sales charges are not charged when you exchange shares of the Fund for shares of any other Fund. However, if you exchange them within the applicable contingent deferred sales charge holding period, the holding period will carry over to the Fund whose shares you acquire. Similarly, if you acquire shares of a Fund by exchanging shares of another Fund that are still subject to a contingent deferred sales charge holding period, that holding period will carry over to the acquired Fund. The Class A sales charges will be waived for shares purchased in the following types of transactions:.

We calculate the NAV of each class of shares of the Fund separately. When you buy shares of the Fund through an agreement with MassMutual, your agreement will describe how you need to submit buy, sell and exchange orders. Purchase orders must be accompanied by sufficient funds. You can pay by check or Federal Funds wire transfer. As a regulated investment company, the Fund will not be subject to Federal income taxes on its ordinary income and net realized capital gain distributed to its shareholders.

Many investors, including most tax qualified plan investors, may be eligible for preferential Federal income tax treatment on distributions received from a fund and dispositions of fund shares. This Prospectus does not attempt to describe in any respect such preferential tax treatment. Any prospective investor that is a trust or other entity eligible for special tax treatment under the Code that is considering purchasing shares of the Fund, including either directly or indirectly through a life insurance company separate investment account, should consult its tax advisers about the Federal, state, local and foreign tax consequences particular to it, as should persons considering whether to have amounts held for their benefit by such trusts or other entities investing in shares of the Fund.

Investors that do not receive preferential tax treatment are subject to Federal income taxes on distributions received in respect of their shares. Certain designated dividends may be eligible for the dividends-received deduction for corporate shareholders. Designated capital gain dividends relating to gains from capital assets held for more than one year are taxable as long-term capital gains in the hands of the investor whether distributed in cash or additional shares and regardless of how long the investor has owned shares of the Fund.

A fund whose investment return consists largely of interest, dividends and capital gains from short-term holdings will distribute largely ordinary income. A fund whose return comes largely from the sale of long-term holdings will distribute largely capital gain dividends. Distributions, if any, are declared and paid annually. Shareholders should consult their tax adviser for more information on their own tax situation, including possible state, local and foreign taxes. Table of Contents Investment Performance.

Sub-Adviser Performance. The private account portfolios are not registered with the SEC and therefore are not subject to the limitations, diversification requirements and other restrictions to which the Fund, as a registered mutual fund, is subject. The performance of the private accounts may have been adversely affected if they had been registered with the SEC. Composite performance is not indicative of future rates of return. Prior performance of the Sub-Adviser is no indication of future performance of the Fund.

The Fund may invest in a wide range of investments and engage in various investment-related transactions and practices. These practices are pursuant to non-fundamental policies and therefore may be changed by the Board of Trustees of the Trust without the consent of shareholders. Some of the more significant practices and some associated risks are discussed below.

Repurchase Agreements and Reverse Repurchase Agreements. The Fund may engage in repurchase agreements and reverse repurchase agreements. A reverse repurchase agreement is a contract pursuant to which a fund agrees to sell a security and simultaneously agrees to repurchase it at an agreed-upon price at a stated time. The Statement of Additional Information provides a detailed description of repurchase agreements, reverse repurchase agreements and related risks.

Securities Lending. Hedging Instruments and Derivatives. The portfolio managers may normally use derivatives:. When such transactions are negotiated, the price is fixed at the time of commitment, but delivery and payment for the securities can take place a month or more after the commitment date. The securities so purchased or sold are subject to market fluctuations and no interest accrues to the.

There can be no assurance that the use of hedging instruments and derivatives by the Fund will assist it in achieving its investment objective. Risks inherent in the use of these instruments include the following:. Therefore, there is no assurance that hedging instruments and derivatives will assist the Fund in achieving its investment objective. As to forward contracts, the risk exists that the counterparty to the transaction will be incapable of meeting its commitment, in which case the desired hedging protection may not be obtained and the Fund may be exposed to risk of loss.

Options and Futures Contracts. Writing options, however, can only constitute a partial hedge, up to the amount of the premium, and due to transaction costs. In addition, the Fund may also purchase and write options on foreign currencies to protect against declines in the dollar value of portfolio securities and against increases in the dollar cost of securities to be acquired. The Fund may [also] enter into stock index futures contracts.

The Fund may enter into foreign currency futures contracts. These transactions are hedging strategies. The Fund will incur brokerage fees when it purchases and sells futures contracts. Futures contracts entail risk of loss in portfolio value, if the Sub-Adviser is incorrect in anticipating the direction of exchange rates or the securities markets. The Fund may also purchase and write options on these futures contracts. This strategy also is intended to protect against declines in the values of portfolio securities or against increases in the costs of securities to be acquired.

Like other options, options on futures contracts constitute only a partial hedge up to the amount of the premium, and due to transaction costs. While these strategies will generally be used by the Fund for hedging purposes, there are risks. For example, the Sub-Adviser may incorrectly forecast the direction of exchange rates or of the underlying securities index or markets. When these transactions are unsuccessful, the Fund may experience losses. When the Fund enters into these transactions to increase portfolio value i.

Options and Futures Contracts strategies and risks are described more fully in the Statement of Additional Information. Illiquid Securities. These policies do not limit the purchase of securities eligible for resale to qualified. Table of Contents institutional buyers pursuant to Rule A under the Securities Act of , as amended, provided that such securities are determined to be liquid by MassMutual or the Sub-Adviser pursuant to Board-approved guidelines. Foreign Securities. Investments in foreign securities offer potential benefits not available from investing solely in securities of domestic issuers, such as the opportunity to invest in foreign issuers that appear to offer growth potential, or to invest in foreign countries with economic policies or business cycles different from those of the United States or foreign stock markets that do not move in a manner parallel to U.

Investments in foreign securities, however, entail certain risks, such as: the imposition of dividend or interest withholding or confiscatory taxes; currency blockages or transfer restrictions; expropriation, nationalization, military coups or other adverse political or economic developments; less government supervision and regulation of securities exchanges, brokers and listed companies; and the difficulty of enforcing obligations in other countries. Certain markets may require payment for securities before delivery.

Communications between the United States and foreign countries may be less reliable than within the United States, thus increasing the risk of delayed settlements of portfolio transactions or loss of certificates for portfolio securities. Transactions will occur when the Sub-Adviser believes that the trade, net of transaction costs, will improve interest income or capital appreciation potential, or will lessen capital loss potential.

It may also result in higher short-term capital gains that are taxable to shareholders.

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Cash Positions. These temporary defensive positions may cause the Fund not to achieve its investment objective. These investments may also give the Fund liquidity and allow it to achieve an investment return during such periods. Industry Concentration. Table of Contents payment of interest in fixed or determinable amounts usually semi-annually with principal payments at maturity or specified call dates. Some mortgage- backed securities in which the Fund may invest may be backed by the full faith and credit of the U. Treasury e. Government e. These issuers may also issue derivative mortgage backed securities such as CMOs.

The expected yield on mortgage-backed securities is based on the average expected life of the underlying pool of mortgage loans. The actual life of any particular pool will be shortened by any unscheduled or early payments of principal. Principal prepayments generally result from the sale of the underlying property or the refinancing or foreclosure of underlying mortgages. The occurrence of prepayments is affected by a wide range of economic, demographic and social factors and, accordingly, it is not possible to predict accurately the average life of a particular pool. Yield on such pools is usually computed by using the historical record of prepayments for that pool, or, in the case of newly-issued mortgages, the prepayment history of similar pools.

The actual prepayment experience of a pool of mortgage loans may cause the yield realized by the Fund to differ from the yield calculated on the basis of the expected average life of the pool. Asset-Backed Securities. Table of Contents securities do not have the benefit of the same security interest in the underlying collateral as do mortgage-backed securities. Dollar Roll Transactions. To take advantage of attractive financing opportunities in the mortgage market and to enhance current income, the Fund may engage in dollar roll transactions.

A dollar roll transaction involves a sale by the Fund of a GNMA certificate or other mortgage backed securities to a financial institution, such as a bank or broker-dealer, concurrent with an agreement by the Fund to repurchase a similar security from the institution at a later date at an agreed upon price. The securities that are repurchased will bear the same interest rate as those sold, but generally will be collateralized by different pools of mortgages with different prepayment histories than those sold.

Dollar roll transactions involve potential risks of loss which are different from those related to the securities underlying the transaction. The Statement of Additional Information gives a more detailed description of dollar roll transactions and related risks. Certain Debt Securities. While the Fund may invest in investment grade debt securities that are rated in the fourth highest rating category by at least one nationally recognized statistical rating organization e. When Issued Securities. Learning More About the Fund. This information is available free upon request.


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  • The SAI provides additional information about the Fund and will provide you with more detail regarding the organization and operation of the Fund, including its investment strategies. The SAI is incorporated by reference into this Prospectus and is therefore legally considered a part of this Prospectus. How to Obtain Information.

    This SAI relates to the following Fund:. Dated October 11, Currently, the Trustees have authorized a total of thirty-three separate series. Additional series may be created by the Trustees from time-to-time. The Fund has a distinct investment objective which it pursues through separate investment policies, as described in the Prospectus and below.

    The Board of Trustees of the Trust may adopt new or amend or delete existing non-fundamental investment policies and restrictions without shareholder approval. There is no guarantee that the Fund will achieve its investment objective. Investment policies and restrictions described below are non-fundamental, unless otherwise noted.

    For a description of the ratings of corporate debt securities and money market instruments in which the Fund may invest, reference should be made to the Appendix. Fixed Income Securities. As a result, to the extent that the Fund invests in debt securities, interest rate fluctuations will affect its net asset value, but not the income it receives from its debt securities.

    In addition, if the debt securities contain call, prepayment or redemption provisions, during a period of declining interest rates, those securities are likely to be redeemed, and the Fund would probably be unable to replace them with securities having as great a yield. Investment in medium- or lower-grade debt securities involves greater investment risk, including the possibility of issuer default or bankruptcy. An economic downturn could severely disrupt this market and adversely affect the value of outstanding bonds and the ability of the issuers to repay principal and interest.

    In addition, lower-quality bonds are less sensitive to interest rate changes than higher-quality instruments and generally are more sensitive to adverse economic changes or individual corporate developments. During a period of adverse economic changes, including a period of rising interest rates, issuers of such bonds may experience difficulty in servicing their principal and interest payment obligations. Furthermore, medium- and lower-grade debt securities tend to be less marketable than higher-quality debt securities because the market for them is less.

    Table of Contents broad. The market for unrated debt securities is even narrower. During periods of thin trading in these markets, the spread between bid and asked prices is likely to increase significantly, and the Fund may have greater difficulty selling its portfolio securities. The market value of these securities and their liquidity may be affected by adverse publicity and investor perceptions.

    Common and Preferred Stocks. Stocks represent shares of ownership in a company. Generally, preferred stock has a specified dividend and ranks after bonds and before common stocks in its claim on income for dividend payments and on assets should the company be liquidated. After other claims are satisfied, common stockholders participate in company profits on a pro-rata basis.

    Profits may be paid out in dividends or reinvested in the company to help it grow. While most preferred stocks pay a dividend, preferred stocks may be purchased where the issuer as omitted, or is in the danger of omitting, payment of its dividend. The new zoned system you put in is fantastic. For the first time in 26 years, our upstairs is cool. This intense heat has been a good test for the new system. Thanks so much! From the first appointment, through the total job with each and every technician who worked on this installation, the job was done with perfection.

    Extremely hard to find a company with this high amount of vigilance and this much integrity. I would highly recommend this company to everyone and feel comfortable with the end product and service you will receive. Your technicians are always polite, professional and personable. The gentlemen who performed our new system installation were a true team, and a real pleasure to have around! Read, Gaithersburg.

    I have known and asked for Richard Hoffacker when I first started using your service. He has always been most helpful and reliable. So when it came time for replacement I turned to you again — perfect solution. Everyone from the person answering the phone to installers were wonderful. Your installation team was prompt and efficient — and finished in much less than the promised time. They took the time to explain how everything worked and should be maintained. He was knowledgeable, informative, and professional.

    I was also very pleased and impressed with the installation team lead by Mike and Shaun. They arrived when they said they would. The work was performed in an orderly fashion and when completed the work area was cleared of debris. I had WSSC inspect the installation the next day. The inspector took one look and said everything looks good.

    MASSMUTUAL INSTITUTIONAL FUNDS

    We have always been very satisfied with their service. I would highly recommend them. Everyone we have had contact with has been professional and a pleasure to work with. If John is any indication of the rest of your staff, you just got yourself a long term customer. I appreciate him taking the time to share both the strengths and areas to watch in the heating system. Thank you. I have always had positive experiences with your company. Everyone that has serviced my unit has been professional and courteous.

    Because of this experience, I refer your company to others and I know for a fact that these friends are just as happy with your company as I am. Bindseil, Gaithersburg. Excellent service was provided; installation was professionally done. Polite, intelligent people answering the phone and prompt service. Great service!!! Gregori, Gaithersburg. Your courteous and knowledgeable employees are the best company to ever do work at my home. They did a great job on the installation of a new air conditioner several years ago and now an expert furnace installation. Your work and business is 5-Star in my book.

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    Dickerson, Gaithersburg. With your organization, I get the sense that I can trust you guys for being honest, reliable and competent. Your office staff is friendly and helpful. Same day service is certainly appreciated as well. Mukesh Patel, Gaithersburg. I want to thank you for the timely response to replace one of our heater units. Your excellent service and quality of workmanship is very much appreciated. Bartels, Gaithersburg. I have been a maintenance agreement customer for over 10 years and have never had a bad experience.

    Your staff has ALWAYS arrived on time, conducted the service efficiently and effectively, and left me a happy customer. I was very happy with the options presented and the very fair resolution to my problem, the install was done great and I have always been happy with your services and prices. I had used them previously for an AC repair last summer and they were wonderful. Once again, they were on time and did a great job. Your team just installed a new unit in my basement. They were here at 8am and out by 10am. They were very professional and did excellent work.

    Behnke, Gaithersburg. I trust your service to do a good job and be competitive. Thank you so much for the wonderful service! I called at pm Thursday evening and left a somewhat frantic message for someone to call in the morning—I received a callback at 7am, and Dave was here promptly at 9am. Your staff was here early, worked very efficiently, and our unit was up and running by pm! Being eight months pregnant, I am especially appreciative of the speed at which our problem was resolved. I have only good things to say about your work, and would recommend you to anyone!

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    Your courtesy and timeliness was excellent, making our decision to use you again very easy! John was awesome! We are most pleased. Everyone was professional, efficient, knowledgeable, polite. I felt like you sent the A Team out to do our installation. They did a great job. Thanks much! We appreciate how quickly you responded. You were very prompt. We always were treated courteously, in person and on the phone. We are very pleased with your service! Tony and every member of his team we had the pleasure of meeting and working with were knowledgeable, professional and pleasant.


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    • Thanks again, guys! I am highly impressed by your company and currently am totally satisfied with my new system. If there were higher marks than excellent, I would give them. I was very impressed today by your team. I really appreciated…your willingness to come out and install my heat pump so quickly after hearing about my heart condition and how important it is for me to have air conditioning in humid weather! I felt you showed a great deal of respect for my home and professionalism in your work. Thank you so much!

      I was very pleased with the service. They were honest, courteous and professional. They did the job in a quick, timely manner. Thank you for all your help. Hernandez, Germantown. Your men were extremely well organized, knowledgeable, productive and obviously had a very good work ethic.

      They were also very comfortable to have around. Once in a while, some make me apprehensive. Your men are excellent and Chris really inspires trust. Raser, Germantown. The staff was extremely professional and helpful. Chris even walked me through the functions of my thermostat, he was patient and courteous. I would highly recommend your services to any of my friends. Thank you very much. Joseph, Germantown.

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