pageflex server [document: ekg0831140 00001] · massachusetts mutual life insurance company...

Prepared for:

<<PlanName>>

YOUR RETIREMENT.

PLAN FOR LIFE.

<<HartfordLogo>><<FirmLogo>>

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<<EducationKit>>

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<<EmployerName>> is pleased to offer you a retirement plan as a benefit to help yousave and invest for retirement. It’s one way to thank you for your contribution to theorganization’s success.

This booklet walks you through the basics of the <<PlanName>> and how to get started.You’ll also find information to help you make a plan for your life in the future that worksfor your life right now.

Please review the enclosed information carefully to get started as soon as you can.

If you have questions or for more information, please visit <<Website>>, <<BenAdmin>>

<<Broker1>> <<Broker2>> <<Broker3>>

We hope you’ll take full advantage of this important benefit.

<<SignBlock>>

CONGRATULATIONS ON STARTINGYOUR PLAN FOR LIFE!

ABOUT THE HARTFORD

The Hartford has been serving customers since 1810. And today, weprovide insurance and financial services to more than 21 million clients.Of those, nearly 1.5 million employees like you trust us to help themachieve their retirement goals through workplace retirement programs.

With The Hartford behind you, you can achieve what’s ahead.

FDICNOT A DEPOSIT OF OR GUARANTEED BYANY BANK OR ANY BANK AFFILIATE

MAY LOSEVALUE

NOT INSURED BY FDIC OR ANYFEDERAL GOVERNMENT AGENCY BANK

<<SecuritiesAddress>>

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Effective January 1, 2013, Massachusetts Mutual Life Insurance Company (MassMutual) completed the transaction to acquire The Hartford’s Retirement Plans Group (RPG).

As we expand our expertise and deepen our position as a leading retirement program provider, you will benefit from

enhanced capabilities and innovations aimed at increasing retirement readiness.

As we progress into 2013, MassMutual will incrementally incorporate its brand and messaging throughout the customer

experience, as applicable.

Massachusetts Mutual Life Insurance Company (MassMutual) has acquired The Hartford’s Retirement Plans Group (RPG).

MassMutual has no affiliation, and Hartford Retirement Services, LLC and the RPG business no longer have any affiliation,

with The Hartford Financial Services Group or any of its subsidiaries. MassMutual has been appointed by Hartford Life

Insurance Company (HLIC) to provide all administrative services necessary to support the insurance contracts issued by HLIC in connection with the RPG business.

© 2012 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) [of which Retirement Services is a division] and its affiliated companies and sales representatives.

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It’s simple and convenient.You decide how much to invest (within applicableguidelines) and your contributions are deducted fromyour paycheck automatically each pay period.

It’s flexible.You can choose from a diverse lineup of investmentoptions. Also, you can change how much youcontribute, change your investment options, or stopcontributing at any time.

You may save money on taxes.<<ReasonsRoth>>

It goes where you go.If you leave your job, you can take your vested balancewith you. The contributions you make are always yours.

FOUR GREAT REASONS TO PARTICIPATE.

TABLE OF CONTENTS

PLAN FOR LIFE

Those who plan for retirement are3 times more likely to be confidentthey’ll have enough money whenthey retire.

The Hartford Investments and Retirement Survey,November 2009

FOUR GREAT REASONS TO PARTICIPATE. Page 1

PLAN HIGHLIGHTS. Page x

YOU NEED TO SAVE AND INVEST. Page x

IT MAY BE EASIER THAN YOU THINK. Page x

YOUR PLAN COMES WITH BENEFITS. Page x

GOOD PLANNING STARTS WITH A STRATEGY. Page x

WHAT TYPE OF INVESTOR ARE YOU? Page x

INVESTMENT MIXES FOR THE “HELP-ME-DO-IT” INVESTOR. Page x

MODEL MY GOALS FOR THE “DO-IT-FOR-ME” INVESTOR. Page x

UNDERSTANDING YOUR INVESTMENT OPTIONS. Page x

THE RISK/RETURN SPECTRUM FOR THE “DO-IT-MYSELF” INVESTOR. Page x

YOU CHOOSE HOWTO ENROLL. Page x

GET STARTED TODAY. Page x

EASY ACCESS TO YOUR ACCOUNT. Page x

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4

YOU NEED TO SAVE AND INVEST.

A large part of retirement for many people is theflexibility to do what they want, when they want. Butyou may not have that flexibility if you don’t plan forlife in retirement.

We’re living longer than ever these days. While you may not consider a long life to be aretirement issue, you may have many more years toplan for than you realize.

Thanks to a combination of medical advances, betternutrition and healthier lifestyles, we’re enjoying someof the longest life expectancies in history. So much sothat financial professionals often point to the “rule of63/65.”

With a couple aged 65 today, there’s a 63% chance atleast one will live to celebrate his or her 90th birthday.And the odds that one will celebrate his or her 95thbirthday are 36%.*

Inflation matters.Retirement is expensive enough. With inflation, thecosts can be stunning.

Just eating in retirement can cost two people over$200,000 — $5 a meal, 3 meals a day, over 20 years.

Adding a modest 3% annual inflation rate, the costswells to nearly $300,000.

$5 meal

x 2 people

x 3 meals a day

x 365 days a year

x 20 years

$219,000

+ 3% inflation = $294,000

How you live in retirement may be determined bywhat you can afford when the time comes. In fact,more and more Americans are finding that they needto work at least part-time because they didn’t saveenough for retirement.

By preparing today, you may have more choices foryour life tomorrow.

*Society of Actuaries Annuity 2000 Mortality Tables

Over 70,000 Americans turned 100in 2010. By the year 2030, thatnumber will climb to more than200,000 – and that may include you.

www.census.gov, 2011

The biggest financial concern forpeople facing retirement is meetingeveryday expenses.


5

IT MAY BE EASIER THAN YOU THINK.

It’s automatic.Saving and investing through your workplaceretirement plan means you never have to worry aboutwriting a check, remembering to make a deposit, orspending the money you intended to save. Mostpeople find that once they start automatic savings,they don’t miss the money. (If you don’t see it, youdon’t spend it.)

Smart saving starts early.You may think you have plenty of time to startplanning for retirement. But the sooner you start, themore time your money has to work for you.

$200,000

$100,000

$50,000

$250,198

Pat’s investment Miguel’s investment

$126,084

Pat begins investing

Miguel begins investing

$300,000

$250,000

$150,000

6555453525AGE

THE BENEFITS OF STARTING EARLY

Example: Pat and Miguel both saved about $29 a week until they retired at age 65. ButPat started when he was 25 and Miguel waited until he was 35. Pat’s money had longer togrow. Those 10 years of waiting cost Miguel more than $124,000.

43% said if they could turnback time, they would startsaving sooner.


Assumptions: Hypothetical weekly contributions of about $29 with a 6% annual rate of return, compounded weekly. Rates of return will varyover time, particularly for long-term investments. There is no guarantee that the selected rate of return can be achieved. Taxes are due uponwithdrawal.

Hypothetical results are for illustrative purposes only and are not intended to predict the future performance of any investment option availablein your employer's plan.

The principal value and return of an investment will fluctuate with changes in market conditions. Your account may be worth more or less thanyour original investment.

6

YOUR PLAN COMES WITH BENEFITS.

You may save on taxes immediately.The contributions you authorize for investment inyour plan may be deducted from your gross paybefore current federal (and, in most cases, beforestate) income taxes are withheld. This is known asbefore-tax savings.

Because this reduces your current taxable income,you’ll probably take home more of your pay than ifyou were investing on an after-tax basis (as shownin the table on the right).1

SAVING ON A BEFORE-TAX COMPARED TOAN AFTER-TAX BASIS

saving in savinga plan elsewhere

before-tax2 after-tax

GROSS ANNUAL INCOME $25,000 $25,000

SAVINGS CONTRIBUTION $1,500 $1,500

TAXABLE INCOME $23,500* $25,000

FEDERAL TAX WITHHELD $5,875 $6,250

SPENDABLE INCOME $17,625 $17,250

SAVINGS ADVANTAGE* $375

*Taxes on before-tax contributions and earnings on thosecontributions are assessed when you withdraw the money fromthe plan.

This example assumes a 25% tax bracket.

You may also benefit from tax-deferred growth.In addition to your contributions, any potentialearnings in your account are tax-deferred (not taxeduntil they are withdrawn) as well. Over time, tax-deferred savings may dramatically increase the valueof your account. The chart to the right shows thegrowth of a hypothetical $1,500 yearly investment(divided into equal contributions of about $29 a week)over 30 years in both a taxable savings account and atax-deferred account.

Of course, with before-tax contributions, you will haveto pay taxes when you withdraw your money from thetax-deferred account. But if you decide to stopworking and take all your money out at age 65, youmay still end up with more than in a taxable account.

10 years

■ After-tax savings■ Before-tax savings

$19,574 $20,561

$52,163$58,012

$106,419

$126,230

20 years 30 years

TAX-DEFERRED GROWTH

1 Many tax planning strategies emphasize the deferral of current income taxes, on the basis that your federal incometax rate may be lower at retirement. Please keep in mind that federal income tax rates are unpredictable and maybe higher when you take a distribution than at the time of deferral. Other factors, including state tax rates and yourincome, may also affect your overall tax rate upon distribution. Please consult with your tax advisor for individualtax planning strategy and advice. The Hartford does not predict or in any way guarantee favorable tax results.

2Hypothetical example for the before-tax savings is based on a before-tax contribution of $1,500 per yearcompounded weekly at a hypothetical 6% return, tax-deferred. The example shown for the regular savings is basedon a $1,500 after-tax annual contribution, compounded weekly at a hypothetical 6% return.

How much should you save?It depends on how much money you’d like to have inretirement and when you start investing. You can seein the chart below which contribution rate would getyou to your goal. You can also use the RetirementGoal Planner calculator at <<Website>> to help youdetermine how much you want to contribute.

RETIREMENT GOAL PLANNER

$20,000 $30,000 $40,000 $50,000 $60,000

6% $200,390 $300,585 $400,779 $500,974 $601,169

25 8% $267,186 $400,779 $534,372 $667,966 $801,559

10% $333,983 $500,974 $667,966 $834,957 $1,001,948

6% $100,984 $151,476 $201,968 $252,460 $302,952

35 8% $134,645 $201,968 $269,290 $336,613 $403,935

10% $168,306 $252,460 $336,613 $420,766 $504,919

6% $46,410 $69,615 $92,820 $116,025 $139,230

45 8% $61,880 $92,820 $123,760 $154,700 $185,640

10% $77,350 $116,025 $154,700 $193,375 $232,050

6% $16,449 $24,673 $32,897 $41,122 $49,346

55 8% $21,932 $32,897 $43,863 $54,829 $65,795

10% $27,415 $41,122 $54,829 $68,536 $82,244

*Example is hypothetical and does not represent the performance of any investment choice available in your employer’s retirement plan. Itassumes weekly contributions earning a hypothetical 6% annual return. Actual returns and principal values will fluctuate. Distributions from yourretirement program are subject to ordinary income tax and, if taken prior to age 59½, a 10% federal tax penalty may apply. Tax-deferred resultsassume no interim distributions. Investment return and the principal value of an investment will fluctuate so that, when sold, an investment maybe worth more or less than the original cost.

All examples are rounded to the nearest dollar, assume a retirement age of 65, annual investment return of 6%, azero initial balance, no Social Security benefits, no salary adjustments, and no inflation.

The $15 you might spend oncoffee every week could add upto $63,533 over 30 years.*

Annual salary

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8

Good PlanninG starts with a strateGy.

You’ve got options.Because people have different approaches to investing, we offer choices for the “do-it-for-me” to the “do-it-myself” investor. <<optionslanguage>>

OPTION 1

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OPTION 2

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INVESTOR SELF-ASSESSMENT QUESTIONNAIRE

this questionnaire can help you determine yourinvesting comfort zone and what type of investmentmix might be best for your goals and objectives. addup the points for each question and check your scoreon the following page to help you select yourinvestment mix.

1. Which hypothetical investment option would you choose?

FIRST YEAR RETURN POTENTIAL

First-year gain (max) Chance of first-year loss

8% increase 0% 0

20% 20% 2

25% 33% 4

2. My main objective for my investment portfoliois to:

avoid losses 0

Keep pace with the stock market 2

outperform the stock market 4

3. If my $100,000 long-term investment droppedin value to $85,000 after one year and rose to$125,000 after two years, I would be:

extremely uncomfortable—i would movemy money immediately to a lower riskinvestment to protect my gain 0

slightly uncomfortable—i would move my money to a lower risk investment to protectmy gain 2

Comfortable—i would maintain my investment 4

4. If I could potentially get a higher rate ofreturn by accepting greater volatility in myportfolio, I would:

accept a lot more volatility 4

accept slightly more volatility 2

not accept any more volatility 0

5. Below are five investment models withhypothetical maximum returns and maximumlosses over a one-year period. I would feel mostcomfortable investing in:

portfolio a 4

portfolio B 3

portfolio C 2

portfolio D 1

portfolio e 0

6. If my $100,000 long-term investment declined invalue during the first year, I would move it to alower risk investment when it declined in value to:

$95,000 (loss of 5%) 0

$90,000 (loss of 10%) 1

$85,000 (loss of 15%) 2

$80,000 (loss of 20%) 3

i would not move it 4

7. A hypothetical $100,000 investment has thepossibility of losing $10,000 in the first year.What is the minimum potential one-year gain youwould accept given the possibility of loss for youto be comfortable with this investment?

$10,000 4

$25,000 3

$35,000 2

$45,000 1

i would not risk losing that amount of money 0

What type of investor are you?

42.05%

-14.39%

35.22%

-11.27%

29.25%

-8.52%

22.32%

-5.18%

17.00%

-3.19%

A B C D E

40%

30%

20%

10%

0%

-10%

-20%

9

8. When attempting to achieve my investment goals:

i don’t want my portfolio to lose any value, even if it will take longer to achieve my investment goals 0

i will tolerate small fluctuations in my portfolio’s value 1

i will tolerate moderate fluctuations in myportfolio’s value 2

i will tolerate large fluctuations in my portfolio’s value 3

i will tolerate extreme fluctuations in myportfolio’s value 4

Tally your results by adding the points fromquestions 1 through 8.

Your total _____________

INVESTOR SELF-ASSESSMENT SCORE

find your total score in the chart below, along with your retirement timeline, to see what type of investment mixmay be best for you. this chart is only a guide. please determine your own investing comfort zone.

years toretireMent 0–3 points 4–11 points 12–22 points 23–28 points 29–32 points

0–3 years Conservative Conservative Conservative Conservative Conservative

3–5 years Conservative Moderate Moderate Moderate ModerateConservative Conservative Conservative Conservative

5–7 years Conservative Moderate Moderate Moderate ModerateConservative

7–12 years Conservative Moderate Moderate Moderate ModerateConservative Aggressive Aggressive

12+ years Conservative Moderate Moderate Moderate AggressiveConservative Aggressive

investor self-assessment Questionnaire is provided by Mesirow financial investment Management, inc. Mesirow financialinvestment Management, inc. is an seC-registered investment advisor and is not an affiliate or subsidiary of the hartford.

the results of this questionnaire are intended to help you identify what your optimal asset allocation model may be. thequestionnaire is not intended to provide a complete investment profile or to offer individual advice. Mesirow financial createdthese risk-based asset allocation models using the following six asset classes: Large Cap Blend Domestic equity; Mid CapBlend Domestic equity; small Cap Blend Domestic equity; Large Cap Blend foreign equity; intermediate-term Domestic Bond;and Cash equivalent/principal focused-extended Duration.

01

Conservative Modelfor investors with short-term investment horizons, who want to minimize the potentialfor loss of value and who are looking for stability of assets. portfolio may have steadyand more predictable returns than more aggressive portfolios. investors should bewilling to forgo the potential for higher long-term returns for stability.

Moderate Conservative Model for investors attempting to avoid a loss of assets in the short term, with a secondaryobjective of seeking a higher return over the long term to mitigate the effects ofinflation. the portfolio may have some relative stability, but in order to combat inflation,some fluctuations in the portfolio should be expected.

Moderate Modelfor investors who are equally concerned with balancing their level of risk and return.they look to have returns in excess of inflation and increase value over the long term.should be willing to accept short-term losses and fluctuations in portfolio value.

Moderate Aggressive Modelfor investors with a longer time horizon. While their portfolio will typically have a higherthan average volatility, it may provide for the potential of higher than average returnsover the long term. investors should be willing to accept short-term losses and lessstable returns.

Aggressive Modelfor investors who are willing and able to stay the course through short-term volatilityand want the potential for high portfolio returns over the long term. they should have along time horizon and a high tolerance for risk, as frequent short-term losses andextreme volatility are to be expected.

60% 20%

13% 2%5%

48% 12%

24%4%

2%

10%

34%

16%

33%

6%

6%

5%

25%

22%36%

9% 8%

10%

28%

41%

11%10%

asset allocation Modeling offered by Mesirow financial investment Management, inc. Mesirow financial investment Management, inc. is an seC-registered investment advisor and is not an affiliate or subsidiary of the hartford. <<MesirowDisclosure>>

sMv2

investMent Mixes for the“heLp-Me-Do-it” investor.

asset allocation is the strategy of spreading your account contributions over a variety of investment categoriesand/or individual investments. here are five examples of risk-based investment mixes that you may use as aguide when selecting your investment options.

Note: the sample portfolios are illustrative only and do not represent actual investment mixes.

Take some time today to learn about your plan’s investment options to help you make informed decisions.

asset CLasses � Money market/Stable value � Bonds � Large-cap � Mid-cap � Small-cap � International/Global

-CES na si .cnI ,tnemeganaM tnemtsevnI laicnaniF woriseM .cnI ,tnemeganaM tnemtsevnI laicnaniF woriseM yb dereffo gniledoM noitacollA tessA .droftraH ehT fo yraidisbus ro etailiffa na ton si dna rosivda tnemtsevni deretsiger

11

The information provided in this presentation by Mesirow Financial Investment Management, Inc. is forinformational purposes only and should not be construed as a recommendation to purchase or sell anyparticular security or investment vehicle(s) offered by Mesirow Financial Investment Management, Inc. (MFIM) or affiliates of MFIM. The information contained herein has been obtained from sources believed to be reliable,but is not necessarily complete and its accuracy cannot be guaranteed. Any opinions expressed are subject tochange without notice. Mesirow Financial and its affiliated companies and/or individuals may, from time to time,own, have long or short positions in, or options on, or act as a market maker in, any securities or investmentstrategies discussed herein and may also perform financial advisory or investment banking services for thosecompanies or in regard to those strategies. Further, Mesirow Financial may receive fees for selling or advising on the purchase or sale of products mentioned herein. Additionally, Mesirow Financial may also receive fees paidby manufacturers or distributors of said products in connection to other professional services provided by theapplicable Mesirow Financial affiliate. The sale or advice provided is in no way related to or contingent upon thepayment received for these other services. It should not be assumed that any recommendation incorporatedherein will be profitable or will equal past performance. Mesirow Financial does not provide legal or tax advice.Model performance information and results do not reflect actual trading and the results may not reflect theimpact that material economic and market factors may have had on MFIM’s decision making if MFIM wereactually managing client’s money. Any securities contained or investment strategies used in the modelperformance results provided herein do not relate or only partially relate to the advisory services currentlyoffered by MFIM. MFIM’s clients may have had results materially different from the results provided. Securitiesoffered through Mesirow Financial Investment Management, Inc., member NYSE, SIPC.

21

UndeRstanding YOUR investment OPtiOns.

Your plan offers a variety of investments, whichare made up of different types of securities, asdescribed below.

Money market/Stable value investmentsthese short-term investments are designed to providea steady rate of return, greater investment stability, anda relatively lower level of risk. although the portfolioseeks to preserve the value of your investment at $1.00per share, it is possible to lose money in a stable valueinvestment, and the yield will fluctuate with changes inmarket conditions. Over time, these investments haveprovided lower returns than stock or bond funds.investments in a money market account are not insuredor guaranteed by the Federal deposit insuranceCorporation or any other government agency.

Bondsbonds represent “loans” investors make tocorporations, governments or agencies, and aredesigned to provide stability, income, and someappreciation in value. if held to maturity, bonds offer afixed rate of return and a fixed principal value. bondsgenerally offer a potentially higher return than moneymarket/stable value investments and a lower returnthan stocks. the value of bonds usually fluctuates lessthan stocks. However, corporate bonds, U.s. treasurybills, and government bonds will fluctuate in value,and the return of principal is not guaranteed if soldbefore maturity.

Stocksstocks represent part ownership in a business and aremeant to provide long-term growth by increasing invalue. some stocks also provide dividend income.Historically, stocks have outperformed other types ofinvestments over the long term. However, stocksfluctuate in value more than money market/stablevalue investments or bonds, and when sold may beworth more or less than their original cost. keep inmind that you can’t predict future results based onhow the market performed in the past.

Balanced investmentsbalanced investments consider the risk and returnpotential of each asset class and invest a percentageof assets in both stocks and bonds, along with a smallamount in stable value investments for liquidity.

International stocksinvestments in stocks issued by foreign businessesprovide investors with potential long-term growth ofcapital while helping to diversify their portfolios.Foreign stocks may offer greater returns than U.s.investments but also involve higher risks relating tointerest and currency exchange rates, securitiesregulation, and taxes, as well as unstable economic orpolitical conditions. international stocks fluctuate invalue and may be worth more or less than theiroriginal cost. global investments have assets in bothforeign and U.s. stocks.

large-cap* stocksLarge-cap stocks are shares in large, financiallyestablished “blue chip” companies with a market capof over $10 billion. the goal of these investments isthe long-term growth of capital. Risk and return aretypically moderate to high.

Mid-cap* stocksthese shares in companies in the $2 billion to $10billion market cap range seek long-term growth. sincemid-cap stocks may fluctuate more widely than themore stable large-cap stocks, there is a potential forgreater long-term growth as well as higher risk.

Small-cap* stockssmall-cap stocks represent companies with a marketcap of $300 million to $2 billion. Over long periods oftime, small-cap stocks have had higher returns thanlarge-cap stocks, which makes them attractive toaggressive investors. at the same time, they are muchmore volatile and have higher short-term risk.

Specialty stocksspecialty investments are concentrated in a specificarea of the market, such as technology or health care.because they are focused on a small market segment,these investments tend to have both a higher risk andhigher potential for return than more diversifiedinvestments.

all investments possess some element of risk,including possible loss of principal. Past performanceis no guarantee of future results.

*the term “cap” is short for market capitalization, which iscalculated by multiplying the price of a stock by thenumber of outstanding shares. generally speaking, thisrepresents the market’s estimate of a company’s value.

41

THE RISK/RETURN SPECTRUM FOR THE “DO-IT-MYSELF” INVESTOR.

MORE CONSERVATIVE

■ Money market/Stable value1

Fund nameFund nameFund nameFund nameFund nameFund nameFund nameFund nameFund nameFund nameFund nameFund nameFund name Fund nameFund name

■ Asset allocation/Balanced*Fund name Fund nameFund nameFund nameFund nameFund nameFund nameFund nameFund nameFund nameFund nameFund nameFund name Fund nameFund name

■ Bonds2

Fund name Fund name Fund name Fund name Fund name Fund name Fund name Fund name Fund name Fund name Fund name Fund name Fund name Fund name Fund name

■ Large-cap Fund name Fund name Fund name Fund name Fund name Fund name Fund name Fund name Fund name Fund name Fund name Fund name Fund name Fund name Fund name Fund name

1 Money Market funds are not insured or guaranteed by The Federal Deposit Insurance Corporation or any other government agency. Althoughthe fund seeks to preserve the value of your investment at $1.00 per share (unit), it is possible to lose money investing in the fund. If a moneymarket is pending liquidation under the U.S. Treasury Department’s Guarantee Program, there may be a period of time in which assets cannotbe invested or redeemed.

2 Securities rated “BB” and below are referred to as “high yield, high risk securities” or “junk bonds.” High yield bonds generally involve greatercredit risk and may be more volatile than investment grade bonds.

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71

MORE AGGRESSIVE

■ Mid-cap3

Fund nameFund nameFund nameFund nameFund nameFund nameFund nameFund nameFund nameFund nameFund nameFund nameFund name Fund nameFund name

■ International/Global5Fund nameFund nameFund nameFund nameFund nameFund nameFund nameFund nameFund nameFund nameFund nameFund nameFund name Fund nameFund name

■ Small-cap4


■ Specialty6


3 Mid-cap stocks generally have higher risk characteristics than large-company stocks.4 Small company investing involves specific risks not necessarily encountered in large company investing, such as increased volatility.5 Investing in foreign issuers and non-dollar securities may involve different and additional risks associated with foreign currencies, investment

disclosure, accounting, securities regulation, commissions, taxes, political or social instability, war, or expropriation.6 The Fund’s investments are concentrated in a specific industry or sector, and are subject to greater risk than traditional diversified equity funds.

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23

imPORtant inFORmatiOn COnCeRninginvestment OPtiOn FaCt sHeets.

the following pages represent the investment Options available to you in your retirement plan. the informationreflected within the investment Option fact sheets is provided to the Hartford by morningstar®, inc., a leadingprovider of independent investment data.

Ve

AIM Mid Cap Core Equity Investment Option

_Risk/Return Spectrum

Stable Value/Money Market Bond Asset Allocation/

BalancedLarge Cap Mid Cap Small Cap International/

GlobalSpecialty

_Volatility Prof le i

The volatility profile is a measure of the level of risk of the underlying fund. The higher the volatility, the higher the variation in returns.

_Strategy

This investment option is available to your plan through a group variable contract offered to fund retirement programs. Your plan invests in the separate account which invests directly in the mutual fund.

Investing in small and mid-sized companies involves greater risks not associated with investing in more established companies, such as business risk, significant stock price fluctuations and illiquidity. The fund can invest up to 25% of its assets in foreign securities that involve risks not associated with investing solely in the United States.

The investment seeks long-term growth. The fund seeks to meet its objective by investing, normally, at least 80% of its assets in equity securities, including convertible securities, of mid- capitalization companies. The fund may invest up to 25% of its total assets in foreign securities. It may also invest up to 20% of its assets in equity securities of issuers that have market capitalizations, at the time of purchase, in other market capitalization ranges and may invest up to 20% of assets in investment-grade debt securities, U.S. government securities, and high-quality money market instruments, including shares of affiliated money market funds.

Large

Mid

Small

Value Blend Growth

VRU Code: 270

Morningstar Category Mid-Cap Blend

Morningstar Style Box

As of 12/31/2009

Asset Allocation % Assets

Stock.........................................................74.81 Foreign Stock..............................................6.05 Bond........................................................... 0.00 Foreign Bond...............................................0.00 Preferred..................................................... 0.00 Convertible..................................................0.00 Cash..........................................................19.15 Other........................................................... 0.00 Total 100.01% Largest Holdings % Assets

AIM Treasurer"s Ser Tr Prem Instl .............. 9.57 AIM STIT Liquid Assets Inst....................... 9.57 Symantec Corporation................................ 2.14 People"s United Financial, Inc..................... 2.06 H

Publication Date 1Q 2010

as you read through the sheets, please note the following:

Publication Datethe Hartford updates and produces investment option fact sheets on a quarterly basis. the publication daterepresents the calendar quarter in which the fact sheet was produced.

As of DateFund companies have the discretion to update investment data monthly, quarterly, or even semi-annually. the “asof” date reflects the last investment update provided by the Fund Company to morningstar®, inc. the Hartfordpublishes the most recent investment option data available through morningstar. as a result, potential variations inthe “as of” dates listed for different investment options is not unusual and may be expected.

Sample Investment Option

Ve

AllianceBernstein International Value Investment Option

Processing and publication dates vary by fund company resulting in potential variations in “as of” dates. Information contained herein is subject to change at any time, and may vary based on underlying fund and/or share class considerations (if applicable). Certain sections, if shown, may not add up to 100% due to rounding. Morningstar Category: identifies funds based on investment styles as measured by their underlying portfolio holdings/statistics over 3 years. Investment options can move into other categories, or Morningstar may change their classification methodology. You should carefully consider the investment objectives, risks, and charges and expenses of the group variable annuity and its underlying funds before investing. This and other information can be found in the disclosure documents and the prospectuses for the underlying funds, which can be obtained from your investment representative or by calling 1-800-874-2502. Please read them carefully before you invest or send money. Retirement programs are funded by group variable contracts which are issued by Hartford Life Insurance Company and are underwritten and distributed by Hartford Securities Distribution Company, Inc., where applicable. © 2012 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. “The Hartford” is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Life Insurance Company, Hartford Retirement Services, LLC ("HRS"), and Hartford Securities Distribution Company, Inc. ("HSD"). HSD (member FINRA and SIPC) is a registered broker/dealer affiliate of The Hartford.




GlobalSpecialty

Investing in foreign issuers and non-dollar securities may involve different and additional risks associated with foreign currencies, investment disclosure, accounting, securities regulation, commissions, taxes, political or social instability, war or expropriation.


The volatility profile is a measure of the level of risk of the underlying fund and is based on a ranking of the three year standard deviation of the fund’s performance. The ranking is compared against other funds within the same broad category group. The higher the volatility, the higher the variation in returns.

_Strategy

_Portfolio Statistics As of 9/30/2012

Inception Date: 3/29/2001 Net Assets ($ in millions): $648.21 Number of Stock Holdings: 106

Investment Advisor: AllianceBernstein LP Portfolio Manager: Team Managed


The investment seeks long-term growth of capital. The fund invests primarily in a diversified portfolio of equity securities of established companies selected from more than 40 industries and more than 40 developed and emerging market countries. It invests significantly (at least 40%--unless market conditions are not deemed favorable by the Adviser) in securities of non-U.S. companies. The fund invests in the equity securities of companies located in at least three countries. It may enter into other derivatives transactions. The fund may, at times, invest in shares of ETFs in lieu of making direct investments in equity securities.

VRU Code: 676

Morningstar Category Foreign Large Value

As of 9/30/2012


Stock ...........................................................0.00 Foreign Stock ............................................99.59 Bond ........................................................... 0.00 Foreign Bond ...............................................0.00 Preferred ..................................................... 0.00 Convertible ..................................................0.00 Cash ............................................................0.00 Other ........................................................... 0.41 Total 100.00% Largest Holdings % Assets

BP PLC ........................................................4.02 Royal Dutch Shell PLC Class A ................... 3.14 AstraZeneca PLC .........................................3.10 Vodafone Group PLC .................................. 2.27 Roche Holding AG .......................................2.24 Nippon Telegraph & Telephone Corp ...........2.19 HSBC Holdings PLC ....................................1.95 Novartis AG .................................................1.95 National Australia Bank Limited .................. 1.67 Mitsubishi UFJ Financial Group, Inc. .......... 1.63 Total 24.16% Diversification % Assets

JPN ........................................................... 23.87 GBR ...........................................................23.72 FRA ............................................................. 7.73 AUS .............................................................6.54 CHE ............................................................. 6.35 DEU .............................................................5.72 NLD .............................................................4.69 BRA .............................................................3.69 KOR .............................................................3.13 ITA ...............................................................3.12 Total 88.56%


33

Ve

American Century Income and Growth Investment Option





GlobalSpecialty



_Strategy


Inception Date: 12/17/1990 Net Assets ($ in millions): $1,558.20 Number of Stock Holdings: 146

Investment Advisor: American Century Inv Mgt, Inc. Portfolio Manager: John Schniedwind

Kurt Borgwardt


The investment seeks long-term capital growth; income is a secondary consideration. In selecting stocks for the fund, the portfolio managers use quantitative management techniques in a two-step process. First, the managers rank stocks, primarily large publicly-traded U.S. companies, from most attractive to least attractive based on each stock's value as well as its growth potential (with a tilt towards value). Second, the portfolio managers use a quantitative model to build a portfolio of stocks from the ranking described above that they believe will provide the optimal balance between risk and expected return.

Large

Mid

Small

Value Blend Growth

VRU Code: 55

Morningstar Category Large Value


As of 6/30/2012


Stock .........................................................94.76 Foreign Stock ..............................................4.35 Bond ........................................................... 0.00 Foreign Bond ...............................................0.00 Preferred ..................................................... 0.00 Convertible ..................................................0.00 Cash ............................................................0.25 Other ........................................................... 0.64 Total 100.00% Largest Holdings % Assets

Apple, Inc. ...................................................3.60 Exxon Mobil Corporation ............................ 3.38 Microsoft Corporation .................................2.64 Chevron Corp ..............................................2.53 International Business Machines Corp ........2.39 AT&T Inc ..................................................... 2.18 Philip Morris International, Inc. .................. 2.07 Wells Fargo & Co ........................................ 1.96 Pfizer Inc .....................................................1.96 JPMorgan Chase & Co ................................1.88 Total 24.59% Diversification % Assets

Basic Materials ............................................4.73 Consumer Cyclical ...................................... 8.62 Financial Services ..................................... 13.11 Real Estate .................................................. 0.98 Consumer Defensive ................................. 10.13 Healthcare ................................................. 12.96 Utilities ........................................................2.73 Communication Services ............................ 5.77 Energy .......................................................11.85 Industrials ................................................... 9.99 Technology ................................................19.12 Total 99.99%


43

Ve

American Century Select Investment Option





GlobalSpecialty



_Strategy



Investment Advisor: American Century Inv Mgt, Inc. Portfolio Manager: Keith Lee

Michael Li


The investment seeks long-term capital growth. The fund normally invests in stocks of companies that the adviser believes will increase in value over time. The portfolio managers make their investment decisions based primarily on their analysis of individual companies, rather than on broad economic forecasts. The portfolio managers use a variety of analytical research tools and techniques to identify the stocks of larger-sized companies that meet their investment criteria. Under normal market conditions, the fund's portfolio will primarily consist of securities of companies whose earnings or revenues are not only growing, but growing at an accelerating pace.

Large

Mid

Small

Value Blend Growth

VRU Code: 15

Morningstar Category Large Growth


As of 6/30/2012



Apple, Inc. ...................................................9.69 Google, Inc. Class A ....................................4.13 Costco Wholesale Corporation ....................2.97 Teradata Corporation ...................................2.81 MasterCard Incorporated Class A ............... 2.61 Philip Morris International, Inc. .................. 2.56 EMC Corporation .........................................2.53 TJX Companies ........................................... 2.42 UnitedHealth Group Inc ...............................2.40 Monsanto Company ....................................2.38 Total 34.50% Diversification % Assets

Basic Materials ............................................4.43 Consumer Cyclical .................................... 14.79 Financial Services ....................................... 7.30 Real Estate .................................................. 0.00 Consumer Defensive ................................. 12.24 Healthcare ................................................. 13.05 Utilities ........................................................0.00 Communication Services ............................ 1.05 Energy .........................................................6.64 Industrials ................................................. 10.74 Technology ................................................29.77 Total 100.01%


53

Ve

American Century Value Investment Option





GlobalSpecialty



_Strategy



Investment Advisor: American Century Inv Mgt, Inc. Portfolio Manager: Phillip Davidson

Scott A. Moore


The investment seeks long-term capital appreciation; income is a secondary consideration. In selecting stocks for the fund, the portfolio managers look for companies of all sizes whose stock price may not reflect the company's value. The managers attempt to purchase the stocks of these undervalued companies and hold each stock until the price has increased to, or is higher than, a level the managers believe more accurately reflects the fair value of the company.

Large

Mid

Small

Value Blend Growth

VRU Code: 57



As of 6/30/2012



Exxon Mobil Corporation ............................ 5.35 General Electric Co ......................................3.20 Total SA .......................................................2.88 Pfizer Inc .....................................................2.83 Chevron Corp ..............................................2.80 AT&T Inc ..................................................... 2.71 Procter & Gamble Co ..................................2.69 Johnson & Johnson ....................................2.54 Northern Trust Corporation .........................2.52 JPMorgan Chase & Co ................................2.49 Total 30.01% Diversification % Assets

Basic Materials ............................................2.26 Consumer Cyclical ...................................... 6.76 Financial Services ..................................... 21.62 Real Estate .................................................. 0.14 Consumer Defensive ................................... 8.57 Healthcare ................................................. 16.69 Utilities ........................................................4.75 Communication Services ............................ 3.67 Energy .......................................................16.71 Industrials ................................................. 10.33 Technology ..................................................8.50 Total 100.00%


63

Ve

American Funds Capital World Growth and Income Investment Option

Processing and publication dates vary by fund company resulting in potential variations in “as of” dates. Information contained herein is subject to change at any time, and may vary based on underlying fund and/or share class considerations (if applicable). Certain sections, if shown, may not add up to 100% due to rounding. Morningstar Category: identifies funds based on investment styles as measured by their underlying portfolio holdings/statistics over 3 years. Investment options can move into other categories, or Morningstar may change their classification methodology. You should carefully consider the investment objectives, risks, and charges and expenses of the group variable annuity and its underlying funds before investing. This and other information can be found in the disclosure documents and the prospectuses for the underlying funds, which can be obtained from your investment representative or by calling 1-800-874-2502. Please read them carefully before you invest or send money. You should carefully consider the investment objectives, risks, charges and expenses of the American Funds in your plan. This and other important information is contained in the funds' prospectuses, which are available from your plan's financial representative and on the Web. Please read the prospectuses carefully before investing. Retirement programs are funded by group variable contracts which are issued by Hartford Life Insurance Company and are underwritten and distributed by Hartford Securities Distribution Company, Inc., where applicable. © 2012 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. “The Hartford” is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Life Insurance Company, Hartford Retirement Services, LLC ("HRS"), and Hartford Securities Distribution Company, Inc. ("HSD"). HSD (member FINRA and SIPC) is a registered broker/dealer affiliate of The Hartford.




GlobalSpecialty




_Strategy


Inception Date: 6/7/2002 Net Assets ($ in millions): $70,047.17 Number of Bond Holdings: 64 Number of Stock Holdings: 296

Investment Advisor: Capital Research and Management Company

Portfolio Manager: Team Managed


The investment seeks long-term growth of capital while providing current income. The fund invests primarily in common stocks of well-established companies located around the world, many of which have the potential to pay dividends. It invests, on a global basis, in common stocks that are denominated in U.S. dollars or other currencies. Under normal market circumstances, the fund invests a significant portion of its assets in securities of issuers domiciled outside the United States. The fund may also invest in issuers in developing countries.

VRU Code: 489

Morningstar Category World Stock

As of 9/30/2012


Stock .........................................................33.59 Foreign Stock ............................................56.63 Bond ........................................................... 1.49 Foreign Bond ...............................................0.65 Preferred ..................................................... 0.14 Convertible ..................................................0.10 Cash ............................................................6.23 Other ........................................................... 1.17 Total 100.00% Largest Holdings % Assets

Novartis AG .................................................3.01 Philip Morris International, Inc. .................. 2.53 BP PLC ........................................................2.02 Bayer AG ..................................................... 1.92 Altria Group Inc. ..........................................1.78 Microsoft Corporation .................................1.56 Home Depot, Inc. ........................................1.52 Amgen Inc ...................................................1.51 AT&T Inc ..................................................... 1.39 Anheuser-Busch Inbev SA ...........................1.07 Total 18.31% Diversification % Assets

USA ...........................................................35.08 GBR ...........................................................12.01 CHE ............................................................. 5.97 DEU .............................................................4.72 FRA ............................................................. 4.33 SWE ............................................................ 3.90 HKG .............................................................2.54 CHN .............................................................2.52 AUS .............................................................2.18 KOR .............................................................1.85 Total 75.10%


73

Ve

American Funds The Growth Fund of America Investment Option





GlobalSpecialty

Investments made outside the United States involve special risks, such as currency fluctuations, political instability, differing securities regulations and periods of illiquidity.



_Strategy



Investment Advisor: Capital Research and Management Company



The investment seeks growth of capital. The fund invests primarily in common stocks and seeks to invest in companies that appear to offer superior opportunities for growth of capital. It may invest a portion of its assets in securities of issuers domiciled outside the United States. The investment adviser uses a system of multiple portfolio counselors in managing the fund's assets. Under this approach, the portfolio of the fund is divided into segments managed by individual counselors who decide how their respective segments will be invested.

Large

Mid

Small

Value Blend Growth

VRU Code: 100



As of 9/30/2012



Amazon.com Inc ......................................... 3.43 Apple Inc .....................................................3.00 Gilead Sciences Inc .....................................3.00 Home Depot, Inc. ........................................2.45 Google, Inc. Class A ....................................2.25 Comcast Corp Class A ................................ 2.22 Oracle Corporation ......................................2.22 Philip Morris International, Inc. .................. 1.74 EOG Resources ........................................... 1.39 Costco Wholesale Corporation ....................1.20 Total 22.90% Diversification % Assets

Basic Materials ............................................4.43 Consumer Cyclical .................................... 15.89 Financial Services ....................................... 8.71 Real Estate .................................................. 0.01 Consumer Defensive ................................... 6.11 Healthcare ................................................. 16.20 Utilities ........................................................0.12 Communication Services ............................ 8.24 Energy .......................................................11.50 Industrials ................................................... 9.73 Technology ................................................19.05 Total 99.99%


83

Ve

Columbia Small Cap Value II Investment Option



Stable Value/Money Market Bonds Asset Allocation


GlobalSpecialty

Small company investing involves specific risks not necessarily encountered in large company investing, such as increased volatitlity.



_Strategy



Investment Advisor: Columbia Management Investment Adv LLC

Portfolio Manager: Christian K. Stadlinger Jarl Ginsberg


The investment seeks long-term capital appreciation. Under normal circumstances, the fund invests at least 80% of its net assets in equity securities of companies that have market capitalizations in the range of the companies in the Russell 2000 Value Index at the time of purchase that Columbia Management Investment Advisers, LLC, the fund's investment adviser, believes are undervalued and have the potential for long-term growth. It may invest up to 20% of its total assets in foreign securities. The fund normally invests in common stocks and also may invest in real estate investment trusts.

Large

Mid

Small

Value Blend Growth

VRU Code: 820

Morningstar Category Small Value


As of 9/30/2012



New Jersey Resources Corporation ............ 1.31 UIL Holdings Corporation ........................... 1.25 American Assets Trust, Inc. ........................ 1.22 Deluxe Corporation ..................................... 1.22 CubeSmart .................................................. 1.21 Avista Corporation ...................................... 1.20 NeuStar, Inc. ............................................... 1.19 Independent Bank Corp ...............................1.15 Helen of Troy, Ltd. .......................................1.13 Community Bank System Inc. .....................1.13 Total 12.01% Diversification % Assets

Basic Materials ............................................7.47 Consumer Cyclical ...................................... 7.80 Financial Services ..................................... 25.42 Real Estate ................................................ 10.40 Consumer Defensive ................................... 3.61 Healthcare ................................................... 7.23 Utilities ........................................................5.82 Communication Services ............................ 1.21 Energy .........................................................5.64 Industrials ................................................. 14.47 Technology ................................................10.94 Total 100.01%


93

Ve

Davis New York Venture Investment Option





GlobalSpecialty

The primary risks of an investment in Davis New York Venture Fund are: market risk, company risk, headline risk, and selection risk. The prospectus, available upon request, contains a complete description of each of these risks. The Fund’s shares are not deposits or obligations of any bank, are not guaranteed by any bank, are not insured by the FDIC or any other agency and involve investment risks, including possible loss of the principal amount invested.



_Strategy



Investment Advisor: Davis Selected Advisers LP Investment Sub Advisor: Davis Selected Advisers (New

York) Inc. Portfolio Manager: Christopher Davis

Kenneth Feinberg


The investment seeks long-term growth of capital. The fund uses the Davis Investment Discipline to invest the majority of the fund's assets in equity securities (typically common stocks, but may also include preferred stocks, convertible bonds, and other forms of equity securities) issued by large companies with market capitalizations of at least $10 billion. It may invest in foreign securities.

Large

Mid

Small

Value Blend Growth

VRU Code: 275

Morningstar Category Large Blend


As of 7/31/2012



CVS Caremark Corp .................................... 5.88 Wells Fargo & Co ........................................ 5.88 American Express Co ..................................5.75 Bank of New York Mellon Corp ................... 5.47 Google, Inc. Class A ....................................4.14 Berkshire Hathaway Inc Class A ................. 3.81 Bed Bath & Beyond, Inc. .............................3.56 Costco Wholesale Corporation ....................3.40 Express Scripts ........................................... 3.33 Occidental Petroleum Corporation .............. 3.10 Total 44.32% Diversification % Assets

Basic Materials ............................................7.08 Consumer Cyclical .................................... 10.41 Financial Services ..................................... 35.86 Real Estate .................................................. 1.96 Consumer Defensive ................................. 15.54 Healthcare ................................................... 3.47 Utilities ........................................................0.00 Communication Services ............................ 0.36 Energy .........................................................9.42 Industrials ................................................... 6.48 Technology ..................................................9.42 Total 100.00%


04

Ve

Eaton Vance Large-Cap Value Investment Option





GlobalSpecialty



_Strategy



Investment Advisor: Boston Management and Research

Portfolio Manager: Michael Mach


The investment seeks total return. The fund normally invests at least 80% of its net assets in equity securities of large-cap companies. It primarily invests in dividend-paying stocks, but also may invest in non-income producing stocks. The fund may invest up to 25% of its total assets in foreign securities, some of which may be located in emerging market countries.

Large

Mid

Small

Value Blend Growth

VRU Code: 276



As of 8/31/2012



Apple Inc .....................................................3.00 Chevron Corp ..............................................3.00 Exxon Mobil Corporation ............................ 2.98 Wells Fargo & Co ........................................ 2.97 Pfizer Inc .....................................................2.95 JPMorgan Chase & Co ................................2.77 Merck & Co Inc ...........................................2.72 Occidental Petroleum Corporation .............. 2.52 General Electric Co ......................................2.29 ConocoPhillips ............................................ 2.15 Total 27.35% Diversification % Assets

Basic Materials ............................................2.90 Consumer Cyclical ...................................... 4.48 Financial Services ..................................... 21.83 Real Estate .................................................. 3.32 Consumer Defensive ................................... 7.94 Healthcare ................................................. 13.16 Utilities ........................................................6.26 Communication Services ............................ 4.92 Energy .......................................................16.28 Industrials ................................................... 9.74 Technology ..................................................9.17 Total 100.00%


14

Ve

Fidelity VIP Contrafund Portfolio Investment Option

Processing and publication dates vary by fund company resulting in potential variations in “as of” dates. Information contained herein is subject to change at any time, and may vary based on underlying fund and/or share class considerations (if applicable). Certain sections, if shown, may not add up to 100% due to rounding. You should carefully consider the investment objectives, risks, and charges and expenses of the group variable annuity and its underlying funds before investing. This and other information can be found in the disclosure documents and the prospectuses for the underlying funds, which can be obtained from your investment representative or by calling 1-800-874-2502. Please read them carefully before you invest or send money. The Hartford and Fidelity Investments are not affiliated. Retirement programs are funded by group variable contracts which are issued by Hartford Life Insurance Company and are underwritten and distributed by Hartford Securities Distribution Company, Inc., where applicable. “The Hartford” is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Life Insurance Company, Hartford Retirement Services, LLC ("HRS"), and Hartford Securities Distribution Company, Inc. ("HSD"). HSD (member FINRA and SIPC) is a registered broker/dealer affiliate of The Hartford.




GlobalSpecialty

_Strategy


Inception Date: 1/3/1995 Net Assets ($ in millions): $6,470.72

Investment Advisor: Fidelity Management & Research Company



Invests primarily in common stocks of domestic and foreign companies that are undervalued in the market. The portfolio looks for overlooked opportunities, such as companies in turnaround situations – corporate restructuring, new product development, and merger or acquisition. Emphasis is on potential for earnings generation, based on the belief that stock prices follow earnings.

VRU Code: 033

As of 9/30/2012


Domestic Equities ..................................... 87.66 Cash & Other .............................................. 1.26 International Equities ................................ 11.08 Total 100.00% Largest Holdings % Assets

Information Technology ............................ 20.12 Healthcare ................................................. 11.84 Consumer Staples .....................................10.83 Financials .................................................. 14.98 Energy .......................................................11.12 Industrials ................................................. 10.01 Consumer Discretionay .............................10.22 Utilities ........................................................3.42 Telecommunication Services .......................2.53 Materials ..................................................... 3.32 Total 98.39%


24

Ve

Fixed Account Investment Option

Processing and publication dates vary by fund company resulting in potential variations in “as of” dates. Information contained herein is subject to change at any time, and may vary based on underlying fund and/or share class considerations (if applicable). Certain sections, if shown, may not add up to 100% due to rounding. You should carefully consider the investment objectives, risks, and charges and expenses of the group variable annuity and its underlying funds before investing. This and other information can be found in the disclosure documents and the prospectuses for the underlying funds, which can be obtained from your investment representative or by calling 1-800-874-2502. Please read them carefully before you invest or send money. Retirement programs are funded by group variable contracts which are issued by Hartford Life Insurance Company and are underwritten and distributed by Hartford Securities Distribution Company, Inc., where applicable. “The Hartford” is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Life Insurance Company, Hartford Retirement Services, LLC ("HRS"), and Hartford Securities Distribution Company, Inc. ("HSD"). HSD (member FINRA and SIPC) is a registered broker/dealer affiliate of The Hartford.




GlobalSpecialty

The objective of this fund is to maintain a competitive fixed interest rate and a minimum guaranteed rate of return. The Fixed Account is invested in the general asset account of Hartford Life Insurance Company and is guaranteed by the Hartford’s claims paying ability. Hartford’s general account is primarily invested in investment grade fixed income securities. The Fixed Account is not a mutual fund. It is an investment choice available through a group annuity contract or group funding agreement. If the Plan offers a money market fund or other competing fund, direct transfers between competing funds are not permitted and amounts transferred to a non-competing fund must remain in the non-competing fund for at least three months.

VRU Code: 024

Hartford credits the Fixed Account value with interest at a rate we declare for each calendar quarter. Hartford will determine the Declared Interest Rate for any quarter at our discretion. Hartford guarantees the Declared Interest Rate applicable to any quarter to the end of the year in which the rate was applied. Hartford will declare any change in the Declared Interest Rate before the start of each quarter. The Fixed Account interest rate will never be less than the minimum interest rate specified in the contract. Hartford may, from time to time, credit interest rates in excess of the minimum interest rate.


34

Ve

Goldman Sachs Mid Cap Value Investment Option

Processing and publication dates vary by fund company resulting in potential variations in “as of” dates. Information contained herein is subject to change at any time, and may vary based on underlying fund and/or share class considerations (if applicable). Certain sections, if shown, may not add up to 100% due to rounding. Morningstar Category: identifies funds based on investment styles as measured by their underlying portfolio holdings/statistics over 3 years. Investment options can move into other categories, or Morningstar may change their classification methodology. You should carefully consider the investment objectives, risks, and charges and expenses of the group variable annuity and its underlying funds before investing. This and other information can be found in the disclosure documents and the prospectuses for the underlying funds, which can be obtained from your investment representative or by calling 1-800-874-2502. Please read them carefully before you invest or send money. Goldman, Sachs & Co., member FINRA. Retirement programs are funded by group variable contracts which are issued by Hartford Life Insurance Company and are underwritten and distributed by Hartford Securities Distribution Company, Inc., where applicable. © 2012 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. “The Hartford” is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Life Insurance Company, Hartford Retirement Services, LLC ("HRS"), and Hartford Securities Distribution Company, Inc. ("HSD"). HSD (member FINRA and SIPC) is a registered broker/dealer affiliate of The Hartford.




GlobalSpecialty

The Fund is subject to the risk of rising and falling stock prices. In recent years, the U.S. stock market has experienced substantial price volatility. The Fund’s foreign investments may be more volatile than an investment in U.S. securities and are subject to the risks of currency fluctuations and political developments.



_Strategy



Investment Advisor: Goldman Sachs Asset Management, L.P.



The investment seeks long-term capital appreciation. The fund invests, under normal circumstances, at least 80% of its net assets for investment purposes in a diversified portfolio of equity investments in mid-cap issuers with public stock market capitalizations within the range of the market capitalization of companies constituting the Russell Midcap® Value Index at the time of investment. Although it will invest primarily in publicly traded U.S. securities, the fund may invest in foreign securities, including securities of issuers in countries with emerging markets or economies ("emerging countries") and securities quoted in foreign currencies.

Large

Mid

Small

Value Blend Growth

VRU Code: 287

Morningstar Category Mid-Cap Value


As of 6/30/2012



Everest Re Group, Ltd. ................................1.86 Principal Financial Group ............................ 1.77 Xcel Energy Inc ........................................... 1.73 SLM Corp ....................................................1.59 Sempra Energy ........................................... 1.58 PPL Corp .....................................................1.56 J.M. Smucker Co. ....................................... 1.55 Host Hotels & Resorts Inc .......................... 1.51 AvalonBay Communities Inc ....................... 1.48 Invesco Ltd. ................................................ 1.48 Total 16.11% Diversification % Assets

Basic Materials ............................................3.92 Consumer Cyclical .................................... 11.42 Financial Services ..................................... 19.96 Real Estate ................................................ 11.08 Consumer Defensive ................................... 5.55 Healthcare ................................................... 7.41 Utilities ......................................................11.81 Communication Services ............................ 0.80 Energy .........................................................7.77 Industrials ................................................. 10.20 Technology ................................................10.08 Total 100.00%


44

Ve

Hartford Capital Appreciation HLS Investment Option





GlobalSpecialty

Up to 20% of the Fund may be invested in foreign issuers and non-dollar securities. Investing in foreign issuers and non-dollar securities may involve different and additional risks associated with foreign currencies, investment disclosure, accounting, securities regulation, commissions, taxes, political or social instability, war or expropriation.



_Strategy



Investment Advisor: H L Investment Advisors LLC Investment Sub Advisor: Wellington Management

Company, LLP Portfolio Manager: Team Managed


The investment seeks growth of capital. The fund normally invests at least 65% of its assets in common stocks of small, medium and large companies. The fund may also invest up to 35% of its assets in equity securities of foreign issuers and non-dollar securities, including companies that conduct their principal business activities in emerging markets or whose securities are traded principally on exchanges in emerging markets. The fund may trade securities actively.

Large

Mid

Small

Value Blend Growth

VRU Code: 12



As of 9/30/2012



JPMorgan Chase & Co ................................2.53 Apple Inc .....................................................2.30 Teva Pharmaceutical Industries Ltd ADR .... 1.82 Microsoft Corporation .................................1.82 Ford Motor Co .............................................1.77 Citigroup Inc ............................................... 1.56 United Continental Holdings Inc ................. 1.48 Gilead Sciences Inc .....................................1.33 American International Group Inc ............... 1.32 Oracle Corporation ......................................1.25 Total 17.18% Diversification % Assets

Basic Materials ............................................3.82 Consumer Cyclical .................................... 17.03 Financial Services ..................................... 15.95 Real Estate .................................................. 0.88 Consumer Defensive ................................... 5.60 Healthcare ................................................. 12.35 Utilities ........................................................0.57 Communication Services ............................ 1.48 Energy .......................................................10.53 Industrials ................................................. 15.27 Technology ................................................16.50 Total 99.98%


54

Ve

Hartford Index HLS Investment Option





GlobalSpecialty



_Strategy


Inception Date: 5/1/1987 Net Assets ($ in millions): $997.13 Number of Stock Holdings: 498

Investment Advisor: H L Investment Advisors LLC Investment Sub Advisor: Hartford Investment

Management Co Portfolio Manager: Deane Gyllenhaal


The investment seeks to provide investment results which approximate the price and yield performance of publicly traded common stocks in the aggregate. The fund uses the Standard & Poor's 500 Index (the "index") as its standard performance comparison. The index is comprised of 500 selected common stocks, most of which are listed on the New York Stock Exchange. The portfolio manager generally invests in no fewer than 495 stocks included in the index. Hartford Investment Management selects stocks for the fund's portfolio after taking into account their individual weights in the index.

Large

Mid

Small

Value Blend Growth

VRU Code: 17



As of 9/30/2012



Apple Inc .....................................................4.81 Exxon Mobil Corporation ............................ 3.25 General Electric Co ......................................1.84 Chevron Corp ..............................................1.76 Microsoft Corporation .................................1.73 International Business Machines Corp ........1.71 AT&T Inc ..................................................... 1.67 Google, Inc. Class A ....................................1.54 Procter & Gamble Co ..................................1.47 Johnson & Johnson ....................................1.46 Total 21.24% Diversification % Assets

Basic Materials ............................................2.91 Consumer Cyclical ...................................... 9.65 Financial Services ..................................... 13.44 Real Estate .................................................. 1.91 Consumer Defensive ................................. 11.41 Healthcare ................................................. 11.81 Utilities ........................................................3.44 Communication Services ............................ 4.75 Energy .......................................................11.27 Industrials ................................................. 10.85 Technology ................................................18.57 Total 100.01%


64

Ve

Hartford MidCap HLS Investment Option





GlobalSpecialty

Up to 20% of the Fund may be invested in foreign issuers and non-dollar securities. Investing in foreign issuers and non-dollar securities may involve different and additional risks associated with foreign currencies, investment disclosure, accounting, securities regulation, commissions, taxes, political or social instability, war or expropriation. Mid-cap investing generally have higher risk and return characteristics than large-company stocks.



_Strategy




Company, LLP Portfolio Manager: Mark Whitaker

Philip Ruedi


The investment seeks long-term capital growth. The fund seeks its goal by investing primarily in stocks selected by the sub-adviser. Under normal circumstances, it invests at least 80% of its assets in common stocks of mid-capitalization companies. The fund may invest up to 20% of its total assets in securities of foreign issuers and non-dollar securities. It favors high-quality companies. The key characteristics of high-quality companies include a leadership position within an industry, a strong balance sheet, a high return on equity, and/or a strong management team.

Large

Mid

Small

Value Blend Growth

VRU Code: 103

Morningstar Category Mid-Cap Growth


As of 9/30/2012



Watson Pharmaceuticals Inc. ......................2.35 Genpact Ltd. ................................................2.34 M&T Bank Corp .......................................... 2.01 VeriSign, Inc. .............................................. 1.99 Mylan Inc .................................................... 1.81 Lennox International, Inc. ........................... 1.76 NVR, Inc. .....................................................1.73 Robert Half International Inc. ......................1.73 Advance Auto Parts Inc ...............................1.69 Equifax, Inc. ................................................ 1.68 Total 19.09% Diversification % Assets

Basic Materials ............................................2.56 Consumer Cyclical .................................... 13.01 Financial Services ..................................... 14.00 Real Estate .................................................. 0.00 Consumer Defensive ................................... 1.80 Healthcare ................................................. 15.51 Utilities ........................................................2.44 Communication Services ............................ 3.50 Energy .........................................................9.06 Industrials ................................................. 24.06 Technology ................................................14.05 Total 99.99%


74

Ve

Hartford Small Company HLS Investment Option





GlobalSpecialty

Up to 20% of the Fund may be invested in foreign issuers and non-dollar securities. Investing in foreign issuers and non-dollar securities may involve different and additional risks associated with foreign currencies, investment disclosure, accounting, securities regulation, commissions, taxes, political or social instability, war or expropriation. Small company investing involves specific risks not necessarily encountered in large company investing, such as increased volatility.



_Strategy




Company, LLP Portfolio Manager: Team Managed


The investment seeks growth of capital. The fund seeks its goal by investing primarily in common stocks selected on the basis of potential for capital appreciation. Under normal circumstances, its sub-adviser, Wellington Management Company, LLP ("Wellington Management"), invests at least 80% of its assets in common stocks of small capitalization companies. The fund may invest up to 20% of its total assets in securities of foreign issuers and non-dollar securities, and may trade securities actively.

Large

Mid

Small

Value Blend Growth

VRU Code: 82

Morningstar Category Small Growth


As of 9/30/2012



Silgan Holdings, Inc. ...................................1.19 Elizabeth Arden, Inc. ................................... 1.17 Heartware International, Inc. .......................1.08 Parexel International Corporation ............... 1.03 Wright Express Corp ...................................1.03 IAC/InterActiveCorp .....................................1.02 Cheesecake Factory, Inc. .............................1.00 Catamaran Corp .......................................... 0.97 Cadence Design Systems, Inc. ....................0.96 DSW Inc ......................................................0.96 Total 10.41% Diversification % Assets

Basic Materials ............................................4.07 Consumer Cyclical .................................... 17.94 Financial Services ....................................... 3.52 Real Estate .................................................. 4.16 Consumer Defensive ................................... 3.28 Healthcare ................................................. 18.85 Utilities ........................................................0.43 Communication Services ............................ 0.18 Energy .........................................................6.46 Industrials ................................................. 17.15 Technology ................................................23.96 Total 100.00%


84

Ve

Hartford Total Return Bond HLS Investment Option





GlobalSpecialty

Securities rated 'BB' and below are commonly referred to as 'high yield, high risk securities' or 'junk bonds.' High yield bonds generally involve greater credit risk and may be more volatile than investment grade bonds. Up to 30% of the Fund may be invested in securities of non-U.S companies. Investing in foreign issuers and non-dollar securities may involve different and additional risks associated with foreign currencies, investment disclosure, accounting, securities regulation, commissions, taxes, political or social instability, war or expropriation.



_Strategy


Inception Date: 8/31/1977 Net Assets ($ in millions): $4,203.87 Number of Bond Holdings: 859


Company, LLP Portfolio Manager: Campe Goodman

Lucius Hill, III


The investment seeks a competitive total return; income is a secondary consideration. The fund invests at least 80% of its assets in bonds. It normally invests at least 70% of its portfolio in investment grade debt securities and may invest up to 20% of its total assets in securities rated below investment grade. The fund normally invests at least 65% of its total assets in debt securities with a maturity of at least one year. It may also invest up to 15% of its total assets in bank loans or loan participation interests in secured or unsecured variable, fixed or floating rate loans to U.S. and foreign corporations, partnerships and other entities.

VRU Code: 18

Morningstar Category Intermediate-Term Bond

As of 9/30/2012


Stock ...........................................................0.00 Foreign Stock ..............................................0.00 Bond ......................................................... 75.93 Foreign Bond .............................................12.77 Preferred ..................................................... 0.21 Convertible ..................................................0.26 Cash ..........................................................10.12 Other ........................................................... 0.72 Total 100.01% Largest Holdings % Assets

Ginnie Mae Single Family TBA 3.5% 2042-10-01 5.09 Fannie Mae Single Family TBA 2.5% 2027-10-01 ................................................................4.47 US Treasury Note 3.125% .......................... 4.37 Fannie Mae Single Family TBA 3.5% 2042-10-01 ................................................................4.30 Fannie Mae Single Family TBA 5.5% 2042-10-01 ................................................................3.49 Freddie Mac Gold Single Family TBA 3% 2042-10-01 .......................................................... 3.45 Fannie Mae Single Family TBA 2.5% 2027-11-01 ................................................................3.44 Fannie Mae Single Family TBA 3% 2042-10-01 2.43 Ginnie Mae Single Family TBA 4% 2042-10-01 2.39 GNMA 4.5% ................................................ 2.18 Total 35.61%


94

Ve

Invesco Equity and Income Investment Option





GlobalSpecialty

Convertible securities: In addition to the risks associated with common stocks, investments in convertible securities are subject to the risks associated with fixed income securities, namely credit, price and interest-rate risks. Interest rates: In a declining interest-rate environment, the portfolio may generate less income. Additionally, more bonds may be called by the issuer, which may decrease the overall income potential of the portfolio. Small- and mid-cap stocks: Stocks of small- and medium-sized companies entail special risks, such as limited product lines, markets, and financial resources, and greater market volatility than securities of larger, more-established companies. Credit quality: Investments in securities rated below investment grade (commonly known as 'junk bonds') present greater risk of loss to principal and interest than investments in higher-quality securities. Foreign markets: The fund may invest in foreign markets; should it do so, the portfolio may be subject to additional currency, political, and economic risks. Derivate instruments: Investments in derivatives could magnify volatility.



_Strategy



Number of Stock Holdings: 77 Investment Advisor: Invesco Advisers, Inc. Portfolio Manager: Team Managed


The investment seeks the highest possible income consistent with safety of principal; long-term growth of capital is an important secondary investment objective. The fund invests primarily in income-producing equity securities (including common stocks, preferred stocks and convertible securities) and investment grade quality debt securities. Under normal market conditions, it invests at least 65% of its total assets in income-producing equity securities. The fund may invest up to 25% of its total assets in securities of foreign issuers. It may invest up to 15% of its total assets in real estate investment trusts (REITs).

VRU Code: 165

Morningstar Category Moderate Allocation

As of 6/30/2012


Stock .........................................................58.40 Foreign Stock ..............................................5.05 Bond ......................................................... 16.88 Foreign Bond ...............................................2.80 Preferred ..................................................... 2.04 Convertible ..................................................9.69 Cash ............................................................5.14 Other ........................................................... 0.00 Total 100.00% Largest Holdings % Assets

General Electric Co ......................................3.48 JPMorgan Chase & Co ................................2.89 US Treasury Note 2.375% .......................... 2.34 eBay Inc ...................................................... 1.88 Marsh & McLennan Companies, Inc. ..........1.78 Microsoft Corporation .................................1.76 Comcast Corp Class A ................................ 1.67 Tyco International Ltd ................................. 1.63 US Treasury Note (Fut) ............................... 1.48 Pfizer Inc .....................................................1.43 Total 20.34% Diversification % Assets

Basic Materials ............................................1.50 Consumer Cyclical .................................... 11.52 Financial Services ..................................... 22.49 Real Estate .................................................. 0.00 Consumer Defensive ................................. 12.47 Healthcare ................................................. 13.13 Utilities ........................................................3.27 Communication Services ............................ 8.35 Energy .......................................................10.67 Industrials ................................................... 9.76 Technology ..................................................6.84 Total 100.00%


05

Ve

Invesco Real Estate Investment Option





GlobalSpecialty

Investing in a single-sector mutual fund involves greater risk and potential reward than investing in a more diversified fund. The fund invests substantial assets in real estate investment trusts (REITS) that involve risks not associated with investing in stocks. The fund can invest up to 25% of its assets in foreign securities that involve risks not associated with investing solely in the United States.



_Strategy



Number of Stock Holdings: 37 Investment Advisor: Invesco Advisers, Inc. Portfolio Manager: Team Managed


The investment seeks total return through growth of capital and current income. The fund invests, under normal circumstances, at least 80% of its net assets (plus any borrowings for investment purposes) in securities of real estate and real estate-related issuers, including real estate investment trusts (REITs). It invests primarily in equity securities. The fund may invest in non-investment grade debt securities (commonly known as "junk bonds") of real estate and real estate-related issuers. It may also invest in debt securities including U.S. Treasury and agency bonds and notes.

VRU Code: 400

Morningstar Category Real Estate

As of 6/30/2012



Simon Property Group Inc ..........................9.09 AvalonBay Communities Inc ....................... 6.26 American Tower Corp ..................................6.02 Ventas Inc ................................................... 5.08 Essex Property Trust ...................................4.54 Boston Properties Inc ................................. 4.33 Host Hotels & Resorts Inc .......................... 4.31 Prologis Inc .................................................4.10 Equity Residential ....................................... 3.96 UDR Inc ...................................................... 3.36 Total 51.05% Diversification % Assets

Basic Materials ............................................0.00 Consumer Cyclical ...................................... 0.00 Financial Services ....................................... 0.00 Real Estate ................................................ 92.47 Consumer Defensive ................................... 0.00 Healthcare ................................................... 0.00 Utilities ........................................................0.00 Communication Services ............................ 6.21 Energy .........................................................0.00 Industrials ................................................... 1.32 Technology ..................................................0.00 Total 100.00%


15

Ve

Janus Balanced Investment Option





GlobalSpecialty



_Strategy



Investment Advisor: Janus Capital Management LLC

Portfolio Manager: Marc Pinto Gibson Smith


The investment seeks long-term growth of capital, consistent with preservation of capital and balanced by current income. The fund normally invests 35-65% of its assets in equity securities and the remaining assets in fixed-income securities and cash equivalents. It normally invests at least 25% of its assets in fixed-income senior securities. The fund may also invest in foreign equity and debt securities, which may include investments in emerging markets.

VRU Code: 79


As of 9/30/2012


Stock .........................................................48.20 Foreign Stock ..............................................7.33 Bond ......................................................... 37.57 Foreign Bond ...............................................3.16 Preferred ..................................................... 0.13 Convertible ..................................................0.00 Cash ............................................................2.78 Other ........................................................... 0.82 Total 99.99% Largest Holdings % Assets

Apple, Inc. ...................................................2.64 CBS Corporation Class B ............................ 2.15 Philip Morris International, Inc. .................. 1.97 Time Warner Cable Inc ................................1.94 E.I. du Pont de Nemours & Company .........1.76 Mattel, Inc. ..................................................1.68 Chevron Corp ..............................................1.67 U.S. Bancorp ...............................................1.50 Boeing Company .........................................1.39 Enterprise Products Partners LP .................1.34 Total 18.04% Diversification % Assets

Basic Materials ............................................7.72 Consumer Cyclical .................................... 21.38 Financial Services ..................................... 14.26 Real Estate .................................................. 1.18 Consumer Defensive ................................... 8.21 Healthcare ................................................. 13.09 Utilities ........................................................0.00 Communication Services ............................ 6.22 Energy .........................................................9.31 Industrials ................................................... 7.40 Technology ................................................11.23 Total 100.00%


25

Ve

Janus Twenty Investment Option





GlobalSpecialty

Concentration may lead to greater price volatility. A 'non-diversified' fund has the ability to take larger positions in a smaller number of issuers than a 'diversified' fund. Non-diversified funds may experience greater price volatility.



_Strategy




Portfolio Manager: Ron Sachs


The investment seeks long-term growth of capital. The fund normally invests primarily in a core group of 20-30 common stocks selected for their growth potential. It may invest in foreign equity and debt securities, which may include investments in emerging markets. The fund may invest assets in derivatives, which are instruments that have a value derived from or directly linked to an underlying asset. It may invest in derivative instruments for different purposes, including hedging and to earn income and enhance returns. The fund may lend portfolio securities on a short-term or long-term basis. It is non-diversified.

Large

Mid

Small

Value Blend Growth

VRU Code: 52



As of 9/30/2012



Apple, Inc. .................................................14.43 eBay Inc ...................................................... 8.78 Celgene Corporation ................................... 7.18 News Corporation, Ltd. A ............................5.88 Express Scripts ........................................... 5.83 Limited Brands, Inc. ....................................4.59 Fanuc Corp ..................................................4.18 EMC Corporation .........................................3.88 Crown Castle International Corp ................. 3.81 Microsoft Corporation .................................3.60 Total 62.16% Diversification % Assets



35

Ve

Janus Worldwide Investment Option





GlobalSpecialty




_Strategy




Portfolio Manager: Jason P. Yee


The investment seeks long-term growth of capital. The fund primarily invests in equity securities, which include, but are not limited to, common stocks, preferred stocks, and depositary receipts of companies of any size located throughout the world. It normally invests in issuers from several different countries, including the United States. The fund may, under unusual circumstances, invest in a single country. It may have significant exposure to emerging markets. The fund may also invest in U.S. and foreign debt securities.

VRU Code: 51

Morningstar Category World Stock

As of 9/30/2012



Petroleo Brasileiro SA Petrobras ADR ........ 2.44 AIA Group Ltd. ............................................ 2.29 JPMorgan Chase & Co ................................1.94 NRG Energy Inc .......................................... 1.91 Citigroup Inc ............................................... 1.89 Societe Generale SA ....................................1.88 Ericsson Telephone Company ..................... 1.80 Praxair, Inc. .................................................1.73 Japan Tobacco Inc. ..................................... 1.70 Gilead Sciences Inc .....................................1.66 Total 19.24% Diversification % Assets

USA ...........................................................49.51 GBR .............................................................7.83 JPN ............................................................. 6.78 FRA ............................................................. 5.59 HKG .............................................................4.73 BRA .............................................................4.10 AUS .............................................................2.08 CHE ............................................................. 2.08 SWE ............................................................ 1.80 NLD .............................................................1.75 Total 86.25%


45

Ve

Loomis Sayles Bond Investment Option





GlobalSpecialty

High yield securities are subject to a high degree of market and credit risk. In addition, the secondary market for these securities may lack liquidity which, in turn, may adversely affect the value of these securities and that of the fund. Foreign investments involve special risks including greater economic, political and currency fluctuation risks, which may be even greater in emerging markets. Mutual funds that invest in bonds can lose their value as interest rates rise and an investor can lose principal.



_Strategy



Number of Stock Holdings: 18 Investment Advisor: Loomis Sayles & Company L.P. Portfolio Manager: Team Managed


The investment seeks high total investment return through a combination of current income and capital appreciation. The fund normally invests at least 80% of its net assets in fixed-income securities. It will invest primarily in investment-grade fixed-income securities, although it may also invest up to 35% of its assets in below investment-grade fixed-income securities and up to 20% of its assets in equity securities, such as common stocks and preferred stocks (with up to 10% of its assets in common stocks). The fund's fixed-income securities investments may include unrated securities. It may invest in fixed-income securities of any maturity.

VRU Code: 743

Morningstar Category Multisector Bond

As of 8/31/2012


Stock ...........................................................3.70 Foreign Stock ..............................................1.33 Bond ......................................................... 42.17 Foreign Bond .............................................26.27 Preferred ..................................................... 2.83 Convertible ..................................................6.63 Cash ..........................................................12.74 Other ........................................................... 4.32 Total 99.99% Largest Holdings % Assets

Canada Govt 2.5% ...................................... 2.91 Canada Govt 2.25% .................................... 2.40 Intel Cv 3.25% ............................................ 2.06 Intel Corp .................................................... 1.87 Canada Govt 4.25% .................................... 1.62 Springleaf Fin 6.9% .................................... 1.34 Canada Govt 3.75% .................................... 1.32 Vereinigte Mexikanische 8% ....................... 1.20 Ford Mtr Co Del Cv 4.25% ..........................1.16 Gen Elec Cap 6.5% ..................................... 1.05 Total 16.93%


55

Ve

MFS Research International Investment Option





GlobalSpecialty




_Strategy



Investment Advisor: Massachusetts Financial Services Co

Portfolio Manager: Thomas Melendez Jose Luiz Garcia


The investment seeks capital appreciation. The fund invests primarily in foreign equity securities, including emerging-market equity securities. Equity securities include common stocks, preferred stocks, securities convertible into stocks, and depositary receipts for those securities. It may invest in companies of any size and may invest a relatively large percentage of the fund's assets in issuers in a single country, a small number of countries, or a particular geographic region.

VRU Code: 308

Morningstar Category Foreign Large Blend

As of 9/30/2012


Stock ...........................................................1.48 Foreign Stock ............................................97.66 Bond ........................................................... 0.00 Foreign Bond ...............................................0.00 Preferred ..................................................... 0.00 Convertible ..................................................0.00 Cash ............................................................0.86 Other ........................................................... 0.00 Total 100.00% Largest Holdings % Assets

Royal Dutch Shell PLC Class A ................... 3.09 Nestle SA .................................................... 2.84 Roche Holding AG .......................................2.63 Bayer AG ..................................................... 2.27 Rio Tinto PLC ..............................................2.17 BP PLC ........................................................2.13 Novartis AG .................................................2.12 Vodafone Group PLC .................................. 2.06 Westpac Banking Corp ................................2.00 Heineken N.V. ..............................................1.91 Total 23.22% Diversification % Assets

JPN ........................................................... 23.42 GBR ...........................................................16.82 CHE ........................................................... 11.09 FRA ............................................................. 8.14 DEU .............................................................6.57 AUS .............................................................6.52 HKG .............................................................5.08 NLD .............................................................4.86 BRA .............................................................3.04 SWE ............................................................ 1.82 Total 87.36%


65

Ve

MFS Utilities Investment Option





GlobalSpecialty

The Fund's investments are concentrated in a specific industry or sector, and are subject to greater risk than traditional diversified equity funds.



_Strategy



Investment Advisor: Massachusetts Financial Services Co

Portfolio Manager: Maura A. Shaughnessy Robert Persons


The investment seeks total return. The fund normally invests at least 80% of its net assets in securities of issuers in the utilities industry. Issuers in the utilities industry include issuers engaged in the manufacture, production, generation, transmission, sale or distribution of electric, gas or other types of energy, and issuers engaged in telecommunications, including wireless, telephone, and cable (but not engaged in public broadcasting). It primarily invests its assets in equity securities, but may also invest in debt instruments, including less than investment grade quality debt instruments.

VRU Code: 116

Morningstar Category Utilities

As of 9/30/2012



Comcast Corp ............................................. 3.94 Virgin Media Inc ..........................................3.62 Williams Companies Inc ............................. 3.20 CMS Energy Corp ....................................... 3.01 Kinder Morgan, Inc. .................................... 2.79 EDP - Energias de Portugal SA ................... 2.71 Edison International .................................... 2.64 Time Warner Cable Inc ................................2.20 Calpine Corp ............................................... 2.09 AES Corp .....................................................1.84 Total 28.04% Diversification % Assets

Basic Materials ............................................0.00 Consumer Cyclical ...................................... 2.50 Financial Services ....................................... 0.00 Real Estate .................................................. 0.00 Consumer Defensive ................................... 0.00 Healthcare ................................................... 0.00 Utilities ......................................................51.21 Communication Services .......................... 27.62 Energy .......................................................17.46 Industrials ................................................... 0.38 Technology ..................................................0.83 Total 100.00%


75

Ve

Putnam High Yield Advantage Investment Option

Processing and publication dates vary by fund company resulting in potential variations in “as of” dates. Information contained herein is subject to change at any time, and may vary based on underlying fund and/or share class considerations (if applicable). Certain sections, if shown, may not add up to 100% due to rounding. Morningstar Category: identifies funds based on investment styles as measured by their underlying portfolio holdings/statistics over 3 years. Investment options can move into other categories, or Morningstar may change their classification methodology. “The Hartford” is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Life Insurance Company, Hartford Retirement Services, LLC ("HRS"), and Hartford Securities Distribution Company, Inc. ("HSD"). HSD (member FINRA and SIPC) is a registered broker/dealer affiliate of The Hartford. You should carefully consider the investment objectives, risks, and charges and expenses of the group variable annuity and its underlying funds before investing. This and other information can be found in the disclosure documents and the prospectuses for the underlying funds, which can be obtained from your investment representative or by calling 1-800-874-2502. Please read them carefully before you invest or send money. © 2012 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Retirement programs are funded by group variable contracts which are issued by Hartford Life Insurance Company and are underwritten and distributed by Hartford Securities Distribution Company, Inc., where applicable.




GlobalSpecialty

Securities rated ''BB'' and below are commonly referred to as ''high yield, high risk securities'' or ''junk bonds.'' High yield bonds generally involve greater credit risk and may be more volatile than investment grade bonds.



_Strategy


Inception Date: 3/25/1986 Net Assets ($ in millions): $971.41 Number of Bond Holdings: 582

Investment Advisor: Putnam Investment Management, LLC

Portfolio Manager: Paul Scanlon Norman Boucher


The investment seeks high current income, and capital appreciation is a secondary consideration. The fund invests mainly in bonds that are obligations of U.S. companies, are below investment-grade in quality (sometimes referred to as "junk bonds"), and have intermediate- to long-term maturities (three years or longer). The adviser may consider, among other factors, credit, interest rate and prepayment risks, as well as general market conditions, when deciding whether to buy or sell investments. It may also use derivatives, such as futures, options, warrants, certain foreign currency transactions and swap contracts, for both hedging and non-hedging purposes.

VRU Code: 59

Morningstar Category High Yield Bond

As of 9/30/2012


Stock ...........................................................0.00 Foreign Stock ..............................................0.00 Bond ......................................................... 71.28 Foreign Bond .............................................11.67 Preferred ..................................................... 0.48 Convertible ..................................................0.75 Cash ............................................................6.29 Other ........................................................... 9.53 Total 100.00% Largest Holdings % Assets

Intelsat Bermuda 11.5% ............................. 0.76 Hca 6.5% .................................................... 0.56 Offshore Grp Invt 11.5% .............................0.50 Nrg Engy 7.875% ........................................0.47 Amer Axle & Mfg 7.75% .............................0.46 Consol Engy 8.25% .................................... 0.44 Legrand S A 8.5% .......................................0.43 Slm 8.45% .................................................. 0.42 Texas Comp Elec Tl Ext L+450 04.7569 10/10/2017 ................................................. 0.42 Mtr Gaming Grp 11.5% .............................. 0.42 Total 4.88%


85

Ve

SSgA Dow Jones Target 2015 Sec Lend Investment Option





GlobalSpecialty

_Strategy


Inception Date: 9/1/1995 Investment Advisor: State Street Bank & Trust Co.


Fund seeks to provide a combination of income and a modest level of capital appreciation. The fund seeks to match as closely as possible, before expenses, the return of the Dow Jones/Quantidex Target 2015 index.

VRU Code: 677

As of 9/30/2012


Dow Jones Equity CMAC .......................... 32.50 Barclays Cap Bond CGI ............................. 63.50 Short Term Investment ............................... 4.00 Total 100.00%


95

Ve






GlobalSpecialty

_Strategy




Fund seeks to provide capital appreciation. The fund seeks to match as closely as possible, before expenses, the return of the Dow Jones/Quantidex Target 2025 index.

VRU Code: 678

As of 9/30/2012


Dow Jones Equity CMAC .......................... 57.00 Barclays Capital Bond CGI ........................ 39.00 Short Term Investment ............................... 4.00 Total 100.00%


06

Ve






GlobalSpecialty

_Strategy





VRU Code: 679

As of 9/30/2012




16

Ve






GlobalSpecialty

_Strategy





VRU Code: 680

As of 9/30/2012


Dow Jones Equity CMAC .......................... 89.80 Barclays Capital Bond CGI .......................... 6.20 Short Term Investment ............................... 4.00 Total 100.00%


26

Ve

SSgA Dow Jones Target Today Index SL Investment Option





GlobalSpecialty

_Strategy




Fund seeks to provide income and a modest level of capital appreciation. The fund seeks to match as closely as possible, before expenses, the return of the Dow Jones/Quantidex Target Today index.

VRU Code: 681

As of 9/30/2012




36

Ve

T. Rowe Price Growth Stock Investment Option





GlobalSpecialty



_Strategy



Investment Advisor: T. Rowe Price Associates, Inc. Portfolio Manager: P. Robert Bartolo


The investment seeks long-term growth of capital and, secondarily, increasing dividend income. The fund normally invests at least 80% of its net assets (including any borrowings for investment purposes) in the common stocks of a diversified group of growth companies. It mostly seeks investments in companies that have the ability to pay increasing dividends through strong cash flow. The fund may invest in foreign stocks in keeping with the fund's objectives. It may sell securities for a variety of reasons, such as to secure gains, limit losses, or redeploy assets into more promising opportunities.

Large

Mid

Small

Value Blend Growth

VRU Code: 824



As of 9/30/2012



Apple Inc ...................................................12.17 Google, Inc. Class A ....................................5.23 Amazon.com Inc ......................................... 4.03 MasterCard Incorporated Class A ............... 2.80 Crown Castle International Corp ................. 2.65 Qualcomm, Inc. ...........................................2.58 Priceline.com, Inc. ...................................... 2.54 Danaher Corporation ...................................2.36 American Tower Corp ..................................2.09 Visa, Inc. ..................................................... 1.87 Total 38.32% Diversification % Assets

Basic Materials ............................................1.42 Consumer Cyclical .................................... 21.81 Financial Services ....................................... 8.68 Real Estate .................................................. 0.00 Consumer Defensive ................................... 2.88 Healthcare ................................................... 9.12 Utilities ........................................................0.00 Communication Services ............................ 5.06 Energy .........................................................4.33 Industrials ................................................. 13.56 Technology ................................................33.15 Total 100.01%


46

Ve

T. Rowe Price Mid-Cap Growth Investment Option





GlobalSpecialty

Mid-cap investing generally have higher risk and return characteristics than large-company stocks.



_Strategy



Investment Advisor: T. Rowe Price Associates, Inc. Portfolio Manager: Brian W.H. Berghuis


The investment seeks long-term capital appreciation. The fund normally invests at least 80% of net assets (including any borrowings for investment purposes) in a diversified portfolio of common stocks of mid-cap companies whose earnings T. Rowe Price expects to grow at a faster rate than the average company. It defines mid-cap companies as those whose market capitalization falls within the range of either the S&P MidCap 400 Index or the Russell Midcap Growth Index. While most assets will typically be invested in U.S. common stocks, the fund may invest in foreign stocks in keeping with the fund's objectives.

Large

Mid

Small

Value Blend Growth

VRU Code: 170

Morningstar Category Mid-Cap Growth


As of 9/30/2012



Roper Industries, Inc. ................................. 1.96 Ametek, Inc. ................................................1.84 IHS, Inc. Class A ......................................... 1.70 Dollar General Corporation ......................... 1.69 DENTSPLY International, Inc. ......................1.56 Gartner, Inc. Class A ................................... 1.51 Textron Inc .................................................. 1.44 Calpine Corp ............................................... 1.36 Catamaran Corp .......................................... 1.34 Pall Corporation .......................................... 1.33 Total 15.73% Diversification % Assets



56

Ve

T. Rowe Price Personal Strategy Balanced Investment Option





GlobalSpecialty



_Strategy



Number of Stock Holdings: 693 Investment Advisor: T. Rowe Price Associates, Inc. Portfolio Manager: Edmund Notzon III


The investment seeks the highest total return over time consistent with an emphasis on both capital growth and income. The fund invests in a diversified portfolio typically consisting of approximately 60% stocks, 30% bonds, and 10% money market securities. Domestic stocks are drawn from the overall U.S. market. International stocks are selected primarily from large companies in developed markets but may also include investments in emerging markets.

VRU Code: 172


As of 9/30/2012


Stock .........................................................43.20 Foreign Stock ............................................21.01 Bond ......................................................... 21.47 Foreign Bond ...............................................8.45 Preferred ..................................................... 0.13 Convertible ..................................................0.01 Cash ............................................................4.90 Other ........................................................... 0.82 Total 99.99% Largest Holdings % Assets

T. Rowe Price Instl High Yield .....................4.37 T. Rowe Price Instl Emerging Mkts Eq ........4.35 T. Rowe Price Instl Emerging Mkts Bond ....4.20 T. Rowe Price Instl Intl Bond ...................... 3.02 T. Rowe Price Real Assets .......................... 2.50 Apple Inc .....................................................2.24 Google, Inc. Class A ....................................1.06 Pfizer Inc .....................................................1.01 US Treasury Note 0.875% .......................... 0.92 Amazon.com Inc ......................................... 0.88 Total 24.55% Diversification % Assets



66

Ve

T. Rowe Price Personal Strategy Income Investment Option





GlobalSpecialty



_Strategy



Number of Stock Holdings: 693 Investment Advisor: T. Rowe Price Associates, Inc. Portfolio Manager: Edmund Notzon III


The investment seeks the highest total return over time consistent with a primary emphasis on income and a secondary emphasis on capital growth. The fund invests in a diversified portfolio typically consisting of approximately 40% stocks, 40% bonds, and 20% money market securities. Domestic stocks are drawn from the overall U.S. market. International stocks are selected primarily from large companies in developed markets but may also include investments in emerging markets.

VRU Code: 171

Morningstar Category Conservative Allocation

As of 9/30/2012


Stock .........................................................29.73 Foreign Stock ............................................14.45 Bond ......................................................... 27.23 Foreign Bond .............................................12.44 Preferred ..................................................... 0.14 Convertible ..................................................0.01 Cash ..........................................................14.93 Other ........................................................... 1.07 Total 100.00% Largest Holdings % Assets

T. Rowe Price Instl High Yield .....................6.80 T. Rowe Price Instl Emerging Mkts Bond ....6.50 T. Rowe Price Instl Intl Bond ...................... 4.57 T. Rowe Price Instl Emerging Mkts Eq ........2.99 T. Rowe Price Real Assets .......................... 1.67 Apple Inc .....................................................1.55 US Treasury Note 0.875% .......................... 1.50 US Treasury Note 2.625% .......................... 0.84 US Treasury Bond 4.625% ..........................0.75 Google, Inc. Class A ....................................0.74 Total 27.91% Diversification % Assets



76

Ve

T. Rowe Price Small-Cap Stock Investment Option





GlobalSpecialty

Small company investing involves specific risks not necessarily encountered in large company investing, such as increased volatitlity.



_Strategy



Investment Advisor: T. Rowe Price Associates, Inc. Portfolio Manager: Gregory A. McCrickard


The investment seeks to provide long-term capital growth. The fund will normally invest at least 80% of its net assets (including any borrowings for investment purposes) in stocks of small companies. Holdings will be widely diversified by industry and company; under most circumstances, the fund will invest less than 1.5% of its total assets in any single company. Stock selection may reflect either a growth or value investment approach. It may sell securities for a variety of reasons, such as to secure gains, limit losses, or redeploy assets into more promising opportunities.

Large

Mid

Small

Value Blend Growth

VRU Code: 92

Morningstar Category Small Growth


As of 9/30/2012



Acuity Brands Inc ........................................1.27 Brunswick Corporation ............................... 1.09 Ann, Inc. ..................................................... 0.92 Treehouse Foods, Inc. .................................0.86 Oasis Petroleum Inc ....................................0.85 Rockwood Holdings Inc ..............................0.83 Amerigroup Corporation ............................. 0.83 Fresh Market, Inc. ....................................... 0.79 Signature Bank ............................................0.79 RailAmerica Inc. ..........................................0.78 Total 9.01% Diversification % Assets



86

07

EASY ACCESS TO YOUR ACCOUNT.

Two easy ways to monitor and manage your account.

1. ONLINE

Log into our website at <<Website>>. Here you canaccess powerful retirement planning tools andcalculators, and manage your account — anytime, from virtually anywhere.

You’ll be able to:

• Obtain current account balances

• Change your investment options

• Perform account transactions

<<Access_SPR>>

• Transfer (exchange) balances between investmentoptions*

• Check current investment prices and performance

<<Access_Statements>>

• View and download your quarterly electronicstatements

<<Statements>>

• Reset/enable your PIN and user ID

If you are accessing your account for the first time,please use your nine-digit Social Security number asyour User Name and <<Enrolling_Pin>> as yourtemporary <<Enrolling_Password>>. You'll then beprompted to create a new User Name and<<Enrolling_Password>>.

* You are allowed to submit a total of 20 transfer requestseach calendar year for your participant account by anypermitted means. Once these 20 transfers have beenrequested, you may submit any additional transfer requests only in writing by U.S. mail. Transfers as a result of dollar-cost averaging (if applicable) do not count towardthe 20-transfer limit. Each calendar year, The Hartfordresets your transfers to allow 20 new transfers by allapproved methods.

2. BY PHONE

<<Access_Phone>>

QUICK LINK TIPWant quick access to your account?1. Go to [retire.hartfordlife.com /

thehartford.com/retirementplans/access.2. Click Login at the top right of the screen.[3.Click Retirement Access.3./4.] Log in to view or manage your account.

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Rollover Contribution Form

Plan ID Plan Name

Plan Contact Daytime Phone Number

Social Security Number Participant Name Date of Birth Gender

Male Female *Legal Address City State Zip Code Daytime Phone Number

*We will change your account information to reflect the Legal Address above and all future mailings will be sent to this address unless changedby you or as described under "Stale Address" in the Important Information Section.

Please select either 1 or 2. 1. My rollover contribution will be invested in my current investment elections in the plan. If I have not completed an Enrollment Formunder this Plan, my rollover contribution will be invested in the Plan’s default investment option. I understand it is my responsibility to provide investment and/ or exchange instructions through my Employer; by accessing my account on-line at <<website>>; or by calling The Hartford’s Customer Service Center at <<FormPhone>>.

2. My rollover contribution will be invested in accordance with my investment elections below. (must be whole percentages that total 100%)Note: This option cannot be used if you are currently investing in an Asset Allocation Model or to select a model.

Investment 1: _______________________________ ________% Investment 6: ____________________________ ________%Investment 2: _______________________________ ________% Investment 7: ____________________________ ________%Investment 3: _______________________________ ________% Investment 8: ____________________________ ________%Investment 4: _______________________________ ________% Investment 9: ____________________________ ________%Investment 5: _______________________________ ________% Investment 10: ___________________________ ________%

TOTAL 100%

ROLLOVERPage 1 of 3

rollconf.pdf (Rev. 08/11)

Section A - Plan Information (Plan Administrator Completes)

Section B - Participant Information (Participant Completes)

Section C - Investment Election (Participant Completes)

Use this form to submit a rollover contribution to the Plan. Please read Section G - Important Information before completing this form. • You must already be enrolled in your Employer’s Plan at The Hartford before submitting this form. This form maynot be used for changes to your investment elections.• Your current Plan Administrator will need to verify that you are eligible to make a rollover contribution and thatthe amount to be rolled into the Plan is an eligible rollover contribution under the terms of the Plan and the InternalRevenue Code. See your Plan Administrator for more information. If the rollover contribution is allowed and if youhave not already done so, contact your prior Plan Administrator or IRA provider to initiate the Rollover distributionprocess. • Return this form and rollover contribution check, if applicable, to your current Plan Administrator. Your check willbe deposited and the rollover contribution allocated to your account once it is approved and received by TheHartford. • This form will be valid for 90 days from the date of receipt at The Hartford. Please note, The Hartford cannotprocess this form until it is received in good order. Please see the Important Information Section for information.on “Good Order” requirements.

Questions?

Call The Hartford’s CustomerService Center<<FormPhone>>

Fax<<FormFax>>

Online<<Website>>

5104-933-008-1

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moc.efildroftrah.eriter

37

Amount of rollover contribution check is $_______________ Note: The amount you roll over must be from an eligible retirement plan or an IRA.Source of the Rollover:Prior Plan or Account Name: _______________________________________ Prior Provider: ______________________________________Indicate whether this rollover contribution is from an IRA or eligible retirement plan (indicate the type of plan).

401(a) plan (including 401(k), money purchase, profit sharing, defined benefit plans)403(b) planGovernmental 457(b) plan (special requirements may apply - see your tax advisor)Traditional IRA (non-Roth) - the amount rolled over consists entirely of pre-tax contributions and earningsOther – State Type:____________________________

Spousal Beneficiary Rollover Information (complete if applicable)This rollover represents proceeds from my deceased spouse’s eligible retirement plan. This rollover represents a distribution payable to me as a spouse (or former spouse) alternate payee as a result of a QDRO.

Traditional After-tax or Roth Rollover Information (complete if applicable)Traditional After-tax Rollover (only permitted as a direct rollover from an eligible retirement plan)

$________________ of the rollover represents after tax employee contributions (“cost basis”)$________________ of the rollover represents after tax earnings (if there is a loss, indicate with a minus (‘-‘) sign)

Roth After-tax Rollover (only permitted from an eligible retirement plan)$________________ of the rollover represents Roth After-tax contributions (“cost basis”). Calendar Year the first Roth contribution

was made to distributing plan was 20___________.$________________ of the rollover represents Roth earnings (if there is a loss, indicate with a minus (‘-‘) sign)

Note: Cost basis and earnings will be separately accounted for within your rollover account(s) unless other instructions are provided in an attachment. This is required to ensure that Roth basis and earnings are accounted for separately from the non-Roth portions of the account.

As a former participant in the eligible retirement plan or as owner of the IRA referenced above, I confirm that:(1) the prior plan is either a Traditional IRA (non-Roth) or an eligible retirement plan which qualifies this contribution as an eligible rollover; (2) the prior plan or IRA has satisfied such requirements as this Plan may have established for the purpose of reasonably concluding the eligibilityfor its acceptance of the rollover contribution amount under this Plan; and (3) I understand that these rollover contributions once deposited in this Plan, will be subject to all provisions of this Plan, including distribution

restrictions.

_____________________________________________________________ ______________________Participant Signature Date

I hereby confirm the Plan’s acceptance of eligible rollover contributions of this type and authorize that this rollover contribution be invested as electedby the participant. In the absence of participant investment elections or instructions, the rollover contribution will be invested into the Plan’s defaultinvestment designated by the Plan Sponsor or Plan Fiduciary. I authorize The Hartford to allocate the rollover contribution into the participant’saccount in accordance with the description of the rollover type and the taxable and non-taxable or cost basis amounts indicated in Section D -Rollover Information. I also confirm that the acceptance of this rollover contribution into the Plan is a result of the Employer’s nondiscriminatorypolicies with respect to the limits (if any) on the type of rollover contributions that may be accepted by the Plan and in accordance with the Plandocument; and that it constitutes a related or unrelated rollover (check the appropriate box). In the absence of an election, the rollovercontribution will be deemed to be unrelated. I certify that the address in the Section B above is the participant’s current address of record and Iauthorize The Hartford to update its records, if necessary, to reflect this address. I also agree to indemnify and hold harmless The Hartford, andif applicable, the trustee, Reliance Trust Company, from and against any loss, liability, cost or expense (including, without limitation, counsel feesand expenses in connection with the contest or settlement of any claim) that any one of them might incur or sustain, or discover that they haveincurred or sustained, by reason of any claim which might be made against any of them as a result of these rollover contributions.

Plan Administrator’s Signature ________________________________________________ Date _____________________

Print Name _______________________________________________________________1 An unrelated rollover is generally one that is initiated by an employee and has its source in a plan maintained by a different employer. A related rollover generally comes from and goes toa plan of the same employer. Details of these rules are contained in Treasury regulations (Sec. 1.416- 1). Please discuss them with your tax or legal advisor if you have any questions.

rollconf.pdf Page 2 of 3(Rev. 08/11)

Section D - Rollover Information (Plan Administrator Completes)

Section E - Participant Request and Signature

Section F - Plan Administrator Authorization

47

Good Order - “Good Order” means that all sections of the form are complete, the participant has provided their signature authorizing the trans-action (if required) and the Plan Sponsor has provided their signature authorizing The Hartford to process the transaction requested on the form.

Rules for Rollovers - The amount you roll over must represent an eligible rollover distribution from certain types of eligible retirement plans andTraditional IRA’s that are allowed as a rollover contribution into this Plan by your Plan Sponsor. Note for a Traditional IRA rollover only the amountthat otherwise would have been taxable (had it been paid directly to the individual account owner and not rolled over) can be rolled over from aTraditional IRA into an eligible retirement plan. In determining the amount that can be rolled over from a Traditional IRA, all of the individual’s Tra-ditional IRA’s are aggregated and the total taxable amount at the time of the rollover is the maximum that can be rolled over into a retirement plan.See your tax advisor for more information. Your Plan Administrator may ask you for documentation to prove the amount rolled into the Plan froma Traditional IRA is eligible

As a result of recent tax law changes, it has become possible to transfer assets between different types of retirement plans in the form of a director indirect rollover. Please check with your current Plan Administrator to confirm the types of rollover contributions accepted by this Plan, as thePlan may restrict certain rollover types.

After-tax and Roth Rollovers - A rollover of traditional after-tax or Roth after-tax amounts generally can only be made to a defined contributionplan if it is processed as a ‘direct rollover’. This means that the traditional after-tax or Roth after-tax amount could not have been paid to you andthen rolled over, but must have been paid directly to this Plan. However, Roth taxable earnings can be rolled over even if the amount was paid di-rectly to you. Also, if the rollover is from a Governmental 457(b) plan, or property (assets other than cash) was distributed, special requirementsmay apply and you should contact your tax advisor before initiating any rollover.

Indirect Rollovers - If this request represents an indirect rollover contribution (you have received this money from a prior eligible retirement planor from a Traditional IRA as a check payable to you), you must have received the rollover distribution no more than 60 days before the date yourrollover contribution is received by the Plan. However, this requirement can be waived in some hardship circumstances, in accordance with IRSguidance. See your tax advisor for more information.

Traditional IRA or Roth IRA Rollover - Nondeductible contribution rollovers or Roth rollovers cannot be made to this Plan from a Traditional orRoth IRA.

Investing Your Rollover - Before investing, consider the fund’s investment objectives, risks, charges and expenses. For a prospectus containingthis and other information, log on to your account and click on “Pricing and Performance,” visit the fund company’s website or call the fund company.Please read the prospectus carefully. You may change your investment elections at any time by accessing the Hartford’s website or calling theCustomer Service Center.

Section G - Important Information

rollconf.pdf Page 3 of 3(Rev. 08/11)

Mail the approved form and check to The Hartford using the following addresses. Please make the check payable to Hartford Life Insurance Com-pany, FBO your name, Social Security Number, and the Plan’s ID Number.

Regular Mail Overnight MailThe Hartford The Hartford<<FormAddress>> <<OvernightAddress>>

Stale Address - It is important that you notify us if you change your address. Going forward, your address may change in our records either atyour or your employer's direction, or as a result of an address confirmation service provided under our agreement with your employer. Under thisservice, the addresses in our records are compared against and updated quarterly with addresses received from commercial address updateservices (e.g., the U.S. Postal Service). If your mail is returned to us or your employer tells us your address is incorrect, we are likely to suspendfuture mailings until a new address is obtained. Unless preempted by federal law, failure to give us a current address may also result in uncasheddistributions from your participant account being considered abandoned property under state law, and remitted to the applicable state. To updateyour address, contact your Plan Administrator or, if permitted by your Plan, log in to our web site at <<StaleAddress>>

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57

PrivAcY POlicY And PrAcTices Of The hArTfOrdfinAnciAl services GrOuP, inc. And iTs AffiliATes(herein cAlled “We, Our, And us”)

We value your trust. We are committed to theresponsible:

a) management;b) use; andc) protection;of Personal Information.

This notice describes how we collect, disclose, andprotect Personal Information.

We collect Personal Information to:a) service your Transactions with us; andb) support our business functions.

We may obtain Personal Information from:

a) You;b) your Transactions with us; andc) third parties such as a consumer-reporting agency.

Based on the type of product or service You applyfor or get from us, Personal Information such as:

a) your name;b) your address;c) your income;d) your payment; ore) your credit history;may be gathered from sources such as applications,Transactions, and consumer reports.

To serve You and service our business, we may sharecertain Personal Information. We will share PersonalInformation, only as allowed by law, with affiliatessuch as:

a) our insurance companies;b) our employee agents;c) our brokerage firms; andd) our administrators.

As allowed by law, we may share Personal FinancialInformation with our affiliates to:

a) market our products; orb) market our services;to You without providing You with an option toprevent these disclosures.

We may also share Personal Information, only asallowed by law, with unaffiliated third partiesincluding:

a) independent agents;b) brokerage firms;c) insurance companies;d) administrators; ande) service providers;who help us serve You and service our business.

When allowed by law, we may share certain PersonalFinancial Information with other unaffiliated thirdparties who assist us by performing services orfunctions such as:

a) taking surveys;b) marketing our products or services; orc) offering financial products or services under a joint

agreement between us and one or more financialinstitutions.

We will not sell or share your Personal FinancialInformation with anyone for purposes unrelated toour business functions without offering You theopportunity to:

a) “opt-out;” orb) “opt-in;”as required by law.

We only disclose Personal Health Information with:

a) your proper written authorization; orb) as otherwise allowed or required by law.

Our employees have access to Personal Informationin the course of doing their jobs, such as:

a) underwriting policies;b) paying claims;c) developing new products; ord) advising customers of our products and services.

We use manual and electronic security procedures tomaintain:

a) the confidentiality; andb) the integrity of;Personal Information that we have. We use theseprocedures to guard against unauthorized access.

This Privacy Policy applies to our United States Operations

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This Privacy Policy is being provided on behalf of the following affiliates of The hartford financial services Group, inc.:

American Maturity life insurance company; hartford Accident and indemnity company; hartford Administrative services company; hartfordcasualty insurance company; hartford equity sales company, inc.; hartford fire insurance company; hartford fire General Agency, inc.; hartfordhls series fund ii, inc.; hartford insurance company of illinois; hartford insurance company of the Midwest; hartford insurance company of thesoutheast; hartford international life reassurance corporation; hartford investment Advisory company, llc; hartford investment financialservices, llc; hartford investment Management company; hartford life and Accident insurance company; hartford life and Annuity insurancecompany; hartford life insurance company; hartford lloyd’s insurance company; hartford Mezzanine investors i, llc; hartford retirementservices, llc ; hartford securities distribution company, inc.; hartford series fund, inc.; hartford specialty company; hartford specialtyinsurance services of Texas, llc; hartford underwriters insurance company; hartford-comprehensive employee Benefit service company; hlinvestment Advisors, llc; hartford life Private Placement, llc; M-cAP insurance Agency, llc; new england insurance company; nutmeginsurance Agency, inc.; nutmeg insurance company; Pacific insurance company, limited; Planco, llc; hartford life distributors, llc; Propertyand casualty insurance company of hartford; sentinel insurance company, ltd.; specialty risk services, llc.; The hartford income shares fund,inc.; The hartford Mutual funds ii, inc.; The hartford Mutual funds, inc.; Trumbull insurance company; Trumbull services, l.l.c.; Twin city fireinsurance company.

some techniques we use to protect PersonalInformation include:

a) secured files;b) user authentication;c) encryption;d) firewall technology; ande) the use of detection software.

We are responsible for and must:

a) identify information to be protected;b) provide an adequate level of protection for thatdata;c) grant access to protected data only to those

people who must use it in the performance of theirjob-related duties.

employees who violate our Privacy Policy will besubject to discipline, which may include ending theiremployment with us.

At the start of our business relationship, we will giveYou a copy of our current Privacy Policy.

We will also give You a copy of our current PrivacyPolicy once a year if You maintain a continuingbusiness relationship with us.

We will continue to follow our Privacy Policyregarding Personal Information even when a businessrelationship no longer exists between us.

As used in this Privacy Notice:

Application means your request for our productor service.

Personal Financial Information means financialinformation such as:

a) credit history;b) income;c) financial benefits; ord) policy or claim information.

Personal Health Information means health informationsuch as:

a) your medical records; orb) information about your illness, disability or injury.

Personal Information means information thatidentifies You personally and is not otherwiseavailable to the public. it includes:

a) Personal Financial Information; andb) Personal Health Information.

Transaction means your business dealings with us,such as:

a) your Application;b) your request for us to pay a claim; andc) your request for us to take an action on your

account.

You means an individual who has given us PersonalInformation in conjunction with:

a) asking about;b) applying for; orc) obtaining;a financial product or service from us if the product orservice is used mainly for personal, family, orhousehold purposes.

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many tax planning strategies emphasize the deferral of current income taxes, on the basis that your federalincome tax rate may be lower at retirement. Please keep in mind that federal income tax rates are unpredictableand may be higher when you take a distribution than at the time of deferral. Other factors, including state taxrates and your income, may also affect your overall tax rate upon distribution. Please consult with your taxadvisor for individual tax planning strategy and advice. the Hartford does not predict or in any way guaranteefavorable tax results.

this information is written in connection with the promotion or marketing of the matter(s) addressed in thismaterial. this information cannot be used or relied upon for the purpose of avoiding iRs penalties. thesematerials are not intended to provide tax, accounting or legal advice. as with all matters of a tax or legal nature,you should consult your own tax or legal counsel for advice.

Before investing, you should carefully consider the investment objectives, risks, charges and expenses of themutual funds or The Hartford's group variable annuity products and funding agreements, and their underlyingfunds. For fund and product prospectuses and/or a disclosure document containing this and other information,contact your financial professional or visit our website. read them carefully.

"the Hartford" is the Hartford Financial services group, inc. and its subsidiaries, including Hartford Life insurance Company, Hartford Retirementservices, LLC (“HRs”), and Hartford securities distribution Company, inc. ("Hsd"). HSD (member FinRa and siPC) is a registered broker/dealeraffiliate of the Hartford.

Retirement programs can be funded by group fixed or variable annuity products and funding agreements issued by Hartford Life insuranceCompany (simsbury, Ct). group variable contracts are underwritten and distributed by Hsd, where applicable. HRs and Hsd offer certainservice programs for retirement plans through which a sponsor or administrator of a plan may also invest in mutual funds on behalf of planparticipants.

P-EKCONTENT-BRO-all 10-12 RPS 113004

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The HartfordP.O. Box 55274Boston, MA 02205-5274

The Hartford’s Retirement Plans Group is proud toprint on Forest Stewardship Council-certified paper.FSC certification ensures that the paper we print oncontains fiber from well-managed and responsiblyharvested forests that meet strict environmental andsocioeconomic standards.

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