THE HARTFORD FINANCIAL SERVICES

GROUP, INC

Q1 2016

1 Hartford Plaza | Hartford, CT 06155 | (860)-547-5000

www.thehartford.com

http://www.thehartford.com/

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Table of Contents

Organization Chart ....................................................................................................................... 3

Information Technology and Data Centers ................................................................................ 4

Divisional Charts ........................................................................................................................... 6

News/Links of Note ..................................................................................................................... 12

Financial Information ................................................................................................................. 15

Key Contacts................................................................................................................................ 16

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Organization Chart

The Hartford Financial Group (HIG), headquartered in Connecticut, is among the largest providers of

property and casualty insurance and group life and disability products to individual and business

customers in the United States of America. Founded in 1985, The Hartford is also a provider of mutual

funds to investors and additionally. At December 31, 2014, total assets and total stockholders equity of

The Hartford were $245 billion and $18.7 billion. Hartford Financial employs 17,500 nationwide.

The Hartford Financial Group, Inc.

Commercial Lines

Personal Lines

Property and Casualty

Group Benefits

Mutual Funds

Talcott Resolution

Corporate

Technology and Data Centers

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Information Technology and Data Centers

The IBM PureFlex Systems cloud infrastructure is built into both data centers. The system will allow the insurer to

buy and pay for computing resources through the Internet, which is a better way to manage customer data, policy

information and claims data.

Technology Vendors

SQL Database Microsoft SQL

Virtualization DameWare

VOIP Avaya

Operating System Red Hat

SRM Ariba Procurement Solutions

Data Centers

Hartford, CT

Boulder, CO

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Technology Vendors

Finance and Accounting PeopleSoft Financial Management, Hyperion, Quickbooks,

Inuit

Business Intelligence Verint, Infromatica PowerCenter, WebFOCUS, Cognos,

Microstrategy

Cloud Infrastructure IBM

Web Content Management

Oracle

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Divisional Charts

Commercial Lines

Commercial Lines provides businesses with workers compensation, property, automobile, liability,

umbrella, marine and livestock coverages under several different products, primarily throughout the

United States, within its standard commercial lines, which consists of The Hartfords small commercial

and middle market lines of business. Additionally, a variety of customized insurance products and risk

management services including workers compensation, automobile, general liability, professional

liability, bond, and specialty casualty coverages are offered through the segments specialty lines.

Principal Products and Solutions

Standard commercial lines seeks to offer products with coverage options and customized pricing based on

the policyholders individualized risk characteristics. For small businesses, those businesses whose annual

payroll is under $5 and whose revenue and property values are less than $15 each, property and liability

coverages are bundled as part of a single multi-peril package policy marketed under the Spectrum name.

The small commercial line of business also provides workers' compensation and automobile coverages.

Medium-sized businesses, companies whose payroll, revenue and property values exceed the small

business definition, are served within middle market. The middle market line of business provides

workers compensation, property, automobile, liability, umbrella, marine and livestock coverages.

Commercial Lines

Principal Products & Solutions

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Personal Lines

Personal Lines provides automobile, homeowners and personal umbrella coverages to individuals across

the United States, including a special program designed exclusively for members of AARP (AARP

Program). The Hartford's auto and homeowners products provide coverage options and customized

pricing tailored to a customer's individual risk. The Hartford has individual customer relationships with

AARP Program policyholders and, as a group, these customers represent a significant portion of the total

Personal Lines' business. Business sold to AARP members, either direct or through independent agents,

amounted to earned premiums of $3.0 billion, $2.9 billion and $2.8 billion in 2014, 2013 and 2012,

respectively.

Principal Products and Solutions

During 2014, Personal Lines rolled out its new auto product, Open Road, in 37 states, increasing pricing

flexibility and market responsiveness. In addition, Personal Lines continued to roll out its telematics

device, True-Lane, to more states, and the device is currently available in 40 states to both direct and

independent agent customers. The True-Lane device records the driving data of Personal Lines'

customers, who receive a discount of up to 10% for the initial policy term with the potential for additional

discounts upon renewal.

Personal Lines

Principal Products & Solutions

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Group Benefits

Group Benefits provides group life, accident and disability coverage, group retiree health and voluntary

benefits to individual members of employer groups, associations, affinity groups and financial

institutions. Group Benefits also offers disability underwriting, administration, claims processing and

reinsurance to other insurers and self-funded employer plans. In addition, Group Benefits offers a single-

company leave management solution, The Hartford Productivity Advantage, which integrates work

absence data from the insurers short-term and long-term group disability and workers compensation

insurance with its leave management administration services.

Principle Products and Services

Group Benefits generally offers term insurance policies, allowing for the adjustment of rates or policy

terms in order to minimize the adverse effect of market trends, declining interest rates, and other factors.

Policies are typically sold with one, two or three-year rate guarantees depending upon the product and

market segment.

Group Benefits

Principal Products & Solutions

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Mutual Funds

Principal Products and Solutions

Mutual Funds provides investment management, administration, distribution and related services to

investors through investment products in both domestic and international markets, and is separated into

two distinct asset categories referred to as Mutual Fund funds and Talcott funds. Mutual Fund funds

includes equity, fixed income, alternative and asset allocation investment products that are actively sold

primarily through retail, bank trust and registered investment advisor channels. Talcott funds represents

those assets held in separate accounts supporting legacy runoff Hartford variable insurance products.

Wellington Management Company, LLP ("Wellington Management") serves as sole sub-advisor for

Mutual Funds.

Mutual Funds

Principal Products & Solutions

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Talcott Resolution

Talcott Resolution is comprised of the runoff of the Company's U.S. annuity and institutional and private-

placement life insurance businesses, and the retained Japan fixed payout annuity liabilities. Talcott

Resolution's mission is to pursue opportunities to reduce the size and risk of the annuity book of business

while honoring the Company's obligations to its annuity contract holders. Talcott Resolution manages

approximately 930 thousand annuity contracts with account value of approximately $77 billion and

private placement life insurance with account value of approximately $40 billion as of December 31,

2014.

Reserves

The Hartford establishes and carries as liabilities reserves for its insurance products to estimate for the

following:

A liability for unpaid losses, including those that have been incurred but not yet reported, as well

as estimates of all expenses associated with processing and settling these claims;

A liability equal to the balance that accrues to the benefit of the life insurance policyholder as of

the consolidated financial statement date, otherwise known as the account value;

A liability for future policy benefits, representing th