Your retirement Plan for life SM Your Workplace

Your retirement. Plan for life. SM Your Workplace Retirement Plan Advantage P-PFLWORKPLACEADV-SLD-all RPS 10067

The importance of saving. Crop image into this 3. 5” x 5” area (delete this text)

Why start saving now? People are living longer and healthier lives. • You could spend 20 or more years in retirement. * • Most experts suggest you’ll need 70– 90% of your current income in retirement. ** • You want work to be a choice, not a necessity. *National Vital Statistics Reports, Vol. 56, No. 10, 2008 **Mutual Fund Education Alliance, “How Much Will I Need? , ” 2008 3

What are your sources of retirement income? Sources of retirement income 37% Social Security 28% Work Income 18% Pensions/401(k) 15% Savings/Asset Income 2% Other Sources Age 65 and older. Source: Federal Interagency Forum on Aging-related Statistics, 2008, “Older Americans 2008: Key Indicators of Well-being, ” table 9 A. 4

Things may cost more. Value of $10, 000 at various inflation rates* Years after start of retirement Inflation Rate 2% 4% 6% 8% 5 $9, 057 $8, 219 $7, 473 $6, 806 10 $8, 203 $6, 756 $5, 584 $4, 632 15 $7, 430 $5, 553 $4, 173 $3, 152 20 $6, 730 $4, 564 $3, 118 $2, 145 *Inflation has averaged 8. 77% over the last 30 years as of Jan. 1, 2010. Inflation is represented by the Consumer Price Index (CPI), which is a measure of change in consumer prices as determined by the U. S. Bureau of Labor Statistics. 5

Put yourself first. The most important reasons to save? • You deserve a great retirement. • Your financial independence is a necessity. 6

Your employer’s plan can help you save. Crop image into this 3. 5” x 5” area (delete this text)

Your plan can help you save. About your employer’s plan. • You can make pre-tax contributions to the plan. • Taxes are deferred until you withdraw money (generally at retirement). • You choose from the investment options offered by your plan. 8

Advantages of your workplace retirement plan. • Convenient automatic payroll deductions • Pre-tax savings • Tax-deferred compounding 9

The power of pre-tax saving. The benefits of pre-tax savings When you contribute weekly It equals this dollar amount Your net pay is reduced by And your annual tax savings is about 2% 9. 62 6. 73 150. 00 3% 14. 42 10. 10 225. 00 4% 19. 23 13. 46 300. 00 5% 24. 04 16. 83 375. 00 6% 28. 85 20. 19 450. 00 7% 33. 65 23. 56 525. 00 8% 38. 46 26. 92 600. 00 Assumes a single taxpayer with zero exemptions and $25, 000 annual income, weekly paychecks, and 25% federal and 5% state income tax withheld. This data is hypothetical and for illustrative purposes only. 10

The power of tax-deferred growth. Tax-deferred growth Hypothetical results are for illustrative purposes only and are not intended to represent the future performance of any investment option. The principal value and the return of the investment options will fluctuate with changes in market conditions, and shares or units, when redeemed, may be worth more or less than their original value. Hypothetical example for the beforetax savings is based on a pre-tax contribution of $1, 500 per year compounded weekly at a hypothetical 6% return, tax-deferred. The example shown for the regular savings is based on a $1, 500 after-tax annual contribution, compounded weekly at a hypothetical 6%. 11

Smart saving starts early. Hypothetical results are for illustrative purposes only and are not intended to represent the future performance of any investment option. The principal value and the return of the investment options will fluctuate with changes in market conditions, and shares or units, when redeemed, may be worth more or less than their original cost. Taxes may be due upon withdrawal. Hypothetical examples assume weekly contributions earning a hypothetical 6% annual return. Tax-deferred results assume no interim distributions. 12

About The Hartford. • Trusted since 1810 • 40 years experience helping Americans retire better through workplace retirement plans • One of the World’s Most Ethical Companies (Ethisphere Institute, 2008, 2009 and 2010) • Here to help at every stage of the retirement planning process – in person, in print and online 13

Important information. Many tax planning strategies emphasize the deferral of current income taxes, on the basis that your federal income tax rate may be lower at retirement. Please keep in mind that federal income tax rates are unpredictable and may be higher when you take a distribution than at the time of deferral. Other factors, including state tax rates and your income, may also affect your overall tax rate upon distribution. Please consult with your tax advisor for individual tax planning strategy and advice. The Hartford does not predict or in any way guarantee favorable tax results. This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. This information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials 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.

Important information. Before investing, you should carefully consider the investment objectives, risks, charges and expenses of the mutual funds or The Hartford's group variable annuity products and funding agreements, and their underlying funds. 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 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. Retirement programs can be funded by group fixed or variable annuity products and funding agreements issued by Hartford Life Insurance Company (Simsbury, CT). Group variable contracts are underwritten and distributed by HSD, where applicable. HRS and HSD offer certain service programs for retirement plans through which a sponsor or administrator of a plan may also invest in mutual funds on behalf of plan participants. © 2010 The Hartford, CT 06115

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