The Hartford Financial Services Group, Inc  Q1 2016 

THE HARTFORD FINANCIAL SERVICES GROUP, INC  Q1 2016 

1 Hartford Plaza | Hartford, CT 06155 | (860)-547-5000 www.thehartford.com ACCOUNT MAP OF THE HARTFORD SERVICES GROUP

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

Organization Chart

Commercial Lines

Personal Lines

Property and Casualty Technology and Data Centers The Hartford Financial Group Benefits Group, Inc.

Mutual Funds

Talcott Resolution

Corporate

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.

Information Technology and Data Centers

Hartford, CT

Data Centers

Boulder, CO

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

Technology Vendors

PeopleSoft Financial Management, Hyperion, Quickbooks, Finance and Accounting Inuit

Verint, Infromatica PowerCenter, WebFOCUS, Cognos, Business Intelligence Microstrategy

Cloud Infrastructure IBM

Web Content Management Oracle

Divisional Charts

Commercial Lines

Principal Products & Solutions

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 Hartford’s 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 segment’s specialty lines.

Principal Products and Solutions Standard commercial lines seeks to offer products with coverage options and customized pricing based on the policyholder’s 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.

Personal Lines

Principal Products & Solutions

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.

Group Benefits

Principal Products & Solutions

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 insurer’s 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.

Mutual Funds

Principal Products & Solutions

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.

Talcott Resolution

Reserves Reinsurance

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 the present value of future benefits to be paid to or on behalf of policyholders less the present value of future net premiums; fair value reserves for living benefits embedded derivative guarantees; and death and living benefit reserves which are computed based on a percentage of revenues less actual claim costs.

Reinsurance For property and casualty insurance products, reinsurance arrangements are intended to provide greater diversification of business and limit The Hartford’s maximum net loss arising from large risks or catastrophes. A major portion of The Hartford’s property and casualty insurance product reinsurance is effected under general reinsurance contracts known as treaties, or, in some instances, is negotiated on an individual risk basis, known as facultative reinsurance. The Hartford also has in-force excess of loss contracts with reinsurers that protect it against a specified part or all of a layer of losses over stipulated amounts.

Corporate

Investments Enterprise Risk (HIMCO) Management

Investments (HIMCO) The majority of the Company’s investment portfolios are managed by Hartford Investment Management Company (“HIMCO”). HIMCO manages the portfolios to maximize economic value, and generate the income necessary to support the Company’s various product obligations, within internally established objectives, guidelines and risk tolerances. The portfolio objectives and guidelines are developed based upon the asset/liability profile, including duration, convexity and other characteristics within specified risk tolerances. The risk tolerances considered include, for example, asset sector, credit issuer allocation limits, maximum portfolio limits for below investment grade holdings and foreign currency exposure limits. The Company attempts to minimize adverse impacts to the portfolio and the Company’s results of operations from changes in economic conditions through asset diversification, asset allocation limits, asset/liability duration matching and through the use of derivatives.

Enterprise Risk Management (ERM) The Company has an enterprise risk management function (“ERM”) that is charged with providing analysis of the Company's risks on an individual and aggregated basis and with ensuring that the Company's risks remain within its risk appetite and tolerances. ERM plays an integral role at The Hartford by fostering a strong risk management culture and discipline. The mission of ERM is to support the Company in achieving its strategic priorities by:  Providing a comprehensive view of the risks facing the Company, including risk concentrations and correlations.  Helping management define the Company's overall capacity and appetite for risk by evaluating the risk/return profile of the business relative to the company's strategic intent and financial underpinning.  Assisting management in setting specific risk tolerances and limits that are measurable, actionable, and comply with the Company's overall risk philosophy.  Communicating and monitoring the Company's risk exposures relative to set limits and recommending, or implementing as appropriate, mitigating strategies.  Providing insight to assist leaders in growing the businesses and achieving optimal risk-adjusted returns within established guidelines.

News/Links of Note

The Hartford Partners with the MIT AgeLab

November 9, 2015 - As car manufacturers continue to introduce new technologies in their vehicles, blind-spot warning systems and back-up cameras are the technologies mature drivers are most willing to adopt1, according to new research by The Hartford and the MIT AgeLab.

http://goo.gl/ZlzqKB

The Hartford Launches New Professional Liability Endorsement For Small Businesses

June 16, 2015 - The Hartford has launched a new professional liability insurance offering to help protect small businesses in the event they are sued by a customer claiming a negligent act, or error or omission in the professional services they provide. This new endorsement to The Hartford’s Business Owner’s Policy expands the number of industries The Hartford can protect with a professional liability endorsement to more than 30.

http://goo.gl/iVbg5M

The Hartford Announces Multi-Year Sponsorship of Major League Baseball

June 2, 2015 - The Hartford and Major League Baseball (MLB) today announced a multi-year sponsorship that will make The Hartford an “Official Sponsor of Major League Baseball” and the exclusive business insurance, homeowners insurance and employee benefits partner of MLB. The sponsorship includes the presenting sponsorship of the Reliever of the Year Awards and a partnership with legendary closer Mariano Rivera.

http://goo.gl/VzRx5a

The Hartford Joins TrustedChoice.com To Help Support The Growth Of Independent Agents

May 27, 2015 - The Hartford has joined the TrustedChoice.com commercial insurance platform in an effort to further support the growth of independent agents. The Trusted Choice website helps connect consumers who are shopping for insurance with a local independent agent who can help them choose the right insurance coverage for their business.

http://goo.gl/gP12C0

The Hartford’s CEO Sees Tech Investment Spurring ‘Faster Growth’

April 28, 2015 - Hartford Financial Services Group Inc. will continue to invest in technology and software in the months ahead as a part of its growth strategy, Chairman and CEO Christopher Swift said.

http://goo.gl/0oOi2c

Hartford Launches Disability Benefits app

April 7, 2015 - Property/casualty insurer and group benefits provider Hartford Financial Services Group Inc. on Tuesday launched a mobile application that allows users covered by the firm's group disability plans to manage their claims.

http://goo.gl/81iQfs

The Hartford Launches Customizable Coverage For Educational Institutions

March 25, 2015 - The Hartford has launched Educators Professional Choice to give educational institutions the ability to customize their liability coverage based on their needs. The package of management and professional liability coverages is designed specifically for private schools, colleges and universities.

http://goo.gl/m8t0Qp

The Hartford Enters $500 Million Agreement With IBM On Cloud Technology

April 16, 2014 - The Hartford Financial Services Group has inked a six-year agreement to pay IBM $500 million for a private, cloud-based infrastructure to better manage its data and reduce operational expenses. The agreement was announced Wednesday. The Hartford has two data centers, one in Hartford and another in Boulder, Colo., filled with mainframes and servers.

http://goo.gl/ZjfCdl

Financial Information

The Hartford Fiscal 2014 Annual Report

Total revenue amounted to $18.6 billion in fiscal 2014 (ended December 31, 2014) compared to $20.7 in fiscal 2013 (ended December 31, 2013), a decrease of 10.1%. Total assets amounted to $245 billion in fiscal 2014 and $277.9 billion in fiscal 2013, a decrease of 11.8%. Net income amounted to $798 million in fiscal 2014 and $176 million in fiscal 2013, a major increase of 353.4%

http://goo.gl/ZKclce

Key Contacts

The Hartford / Hartford Life Insurance Co 1 Hartford Plz, Hartford, CT 6155 860-547-5000

Mr. Patrick Brown Mr. Brian Cruess AVP of IT Director of IT Solutions Architecture [email protected] [email protected] Direct: 860-547-6213 Direct: 860-624-1801 LinkedIn: LinkedIn: https://www.linkedin.com/pub/patrick- https://www.linkedin.com/in/briancruess brown/43/400/92b

Ms. Alyssa Ostergren Mr. Ben Perron Manager of IT Director of IT [email protected] [email protected] Direct: 860-547-4045 LinkedIn: LinkedIn: https://www.linkedin.com/pub/ben- https://www.linkedin.com/pub/alyssa- perron/a/504/201 ostergren/82/1b2/137

Ms. Beth Bombara CFO Mr. John Relation [email protected] Director of IT-Finance Direct: 860-547-4135 [email protected] LinkedIn: Direct: 860-547-3961 https://www.linkedin.com/pub/beth- bombara/3/978/435

Mr. Bill Bloom Mr. Mike Hession EVP of Operations and Technology SVP of General Auditing [email protected] [email protected] Direct: 860-547-6852 LinkedIn: LinkedIn: https://www.linkedin.com/pub/mike- https://www.linkedin.com/pub/bill- hession/4/229/61a bloom/a/41a/ab1

Mr. Bill Lombardi Mrs. Ellen Dantec Manager of IT Director of IT [email protected] [email protected] Direct: 860-547-6160 Direct: 860-547-7336 LinkedIn: LinkedIn: https://www.linkedin.com/pub/bill- https://www.linkedin.com/pub/ellen- lombardi/3/881/6b1 dantec/6/522/b8

Mr. Kim Root Mr. Eric Fay VP of Enterprise Architecture SVP, Hartord Investment [email protected] Management Co. Direct: 860-547-5825 [email protected] LinkedIn: Direct: 860-297-6357 https://www.linkedin.com/pub/kim- root/1/a08/65

Ms. Carrie Manley Director of IT Mr. Matt Fiddler [email protected] Director of IT Cloud Security Direct: 860-547-3883 [email protected] LinkedIn: Direct: 860-547-2056 https://www.linkedin.com/pub/carrie- manley/12/762/486

Mr. Mike Gange Mr. Dave Gadue Director of IT IT Security Specialist [email protected] [email protected] Direct: 860-547-3188 Direct: 860-547-7221 LinkedIn: LinkedIn: https://www.linkedin.com/pub/michael https://www.linkedin.com/pub/david- -kim/3/960/803 gadue/7/93a/b87

Mr. John Urankar Ms. Paulette Young SVP of Claims Director of IT [email protected] [email protected] Direct: 860-547-4836 LinkedIn: https://www.linkedin.com/pub/paulett LinkedIn: e-young/4/52/bb5 https://www.linkedin.com/pub/john- urankar/2/373/1a4

Mr. Robert Briggs Mr. Jonathan Bennett Director of IT Security & Compliance EVP of Digital Commerce [email protected] [email protected] Direct: 860-547-7820 Direct: 860-547-4243 LinkedIn: LinkedIn: https://www.linkedin.com/pub/robert- https://www.linkedin.com/pub/jonathan- briggs/1/259/828 bennett/12/599/644

Mr. Ryan Wilhelm Ms. Marguerite Barrett AVP of IT AVP of HR Technology [email protected] [email protected] Direct: 860-547-6126 Direct: 860-547-3337 LinkedIn: https://www.linkedin.com/pub/ryan- wilhelm/9/152/161

Mr. Samir Srivastava Ms. Mary Leone CIO Director of Training [email protected] [email protected] Direct: 860-547-5554 Direct: 860-547-4684 LinkedIn: https://www.linkedin.com/in/samirsrivast ava

Mr. Dwayne Samson Mr. Scott Dorris Manager of IT Security Director of Technology [email protected] [email protected] Direct: 860-547-5113 Direct: 860-547-8626 LinkedIn: LinkedIn: https://www.linkedin.com/pub/dwayne https://www.linkedin.com/pub/scott- -samson/3/b46/680 dorris/0/a52/16b

Mr. Marcus Esposito Mr. Steve Blum CTO AVP of Infrastructure [email protected] [email protected] Direct: 860-547-2804 Direct: 860-547-8080 LinkedIn: LinkedIn: https://www.linkedin.com/pub/mark- https://www.linkedin.com/in/stephenblu esposito/b/b5b/86a m

Mr. Steve Shimmel Mr. Vikas Sachdeva VP of Enterprise Process AVP of IT Improvement [email protected] [email protected] Direct: 860-547-5777 LinkedIn: LinkedIn: https://www.linkedin.com/pub/steve- https://www.linkedin.com/in/sachdevavik shimmel/25/75a/a4a as

Mr. Vincent Briganti Mr. Tim Flower Director of Marketing Communications Director of IT [email protected] [email protected] Direct: 860-547-5981 LinkedIn: https://www.linkedin.com/pub/tim- LinkedIn: flower/7/24a/316 https://www.linkedin.com/pub/vincent- briganti/7/812/8b2

Ms. Tricia Mackechnie CIO Mr. Virgil Clark [email protected] Director of IT Direct: 860-547-5296 [email protected] LinkedIn: https://www.linkedin.com/pub/tricia- mackechnie/5/8a6/7a4

Mr. Wayne Church Ms. Theresa Vollante Director of Strategic IT Architecture [email protected] Business Analyst [email protected] Direct: 860-547-2547 Direct: 315-235-4483 LinkedIn: https://www.linkedin.com/pub/wayne- Error! Hyperlink reference not valid. church/0/a52/959

Mr. Will Stackpole Mr. Tom Duff VP of IT Operations AVP of Operations [email protected] [email protected] Direct: 860-547-9758 Direct: 860-547-6465 LinkedIn: LinkedIn: https://www.linkedin.com/pub/will- https://www.linkedin.com/pub/tom- stackpole/0/a66/785 duff/7/b99/875

Mr. Doran Robbins Mr. Bill Downes Manager of IT CISO [email protected] [email protected] Direct: 860-624-0910 Direct: 860-547-2019 LinkedIn: LinkedIn: Bill Downes is also on Hartford https://www.linkedin.com/in/doranrob Life contacts bins

Mr. Brian Young Mr. Wayne Wagner Director of Internal Audit Enterprise Data Architect [email protected] [email protected] LinkedIn: LinkedIn: https://www.linkedin.com/pub/brian- https://www.linkedin.com/in/waynewwa young/58/307/603 gne

Mr. Jeff O'Dell Mr. Allen Bailey VP of Enterprise Architecture IT Data Architect [email protected] [email protected] LinkedIn: LinkedIn: https://www.linkedin.com/pub/jeff-o- https://www.linkedin.com/pub/allen- dell/a/600/937 bailey/6/372/ab6

Mr. Jim Russo Mr. John Murphy Director of IT Infrastructure AVP of Auditing [email protected] [email protected] LinkedIn: LinkedIn: https://www.linkedin.com/pub/jim- https://www.linkedin.com/pub/john-p- russo/8/130/88a murphy-cpa/10/56/227

Mr. Joseph Steele Mr. James Walsh Director of IT Engineering Director of IT [email protected] [email protected] LinkedIn: https://www.linkedin.com/pub/joseph- steele/4/a2a/477

Mrs. Hanna Walczok Mr. Mark Breuer Director of IT Director of Internal Audit [email protected] [email protected] LinkedIn: LinkedIn: https://www.linkedin.com/pub/hanna- https://www.linkedin.com/pub/mark- walczok/2/602/797 breuer/2/597/a49

Mr. Stephen Whitlock Mr. Alex Monsiegneur IT Architect Director of Voice Services [email protected] [email protected] LinkedIn: https://www.linkedin.com/in/stephenw Direct: 860-547-6010 hitlock

Ms. Robin Generous Mr. Brian Neary VP of Internal Audit Chief Operational Risk Officer [email protected] [email protected] LinkedIn: LinkedIn: https://www.linkedin.com/pub/robin- https://www.linkedin.com/pub/brian- generous/1a/440/aa8 neary/1/813/bb9

Mr. Chris Mango Mr. David Perreault Director of Corporate Risk Management Senior Security Architect [email protected] [email protected] LinkedIn: Direct: 860-547-5386 https://www.linkedin.com/pub/chris- mango/11/97/507

Mr. Dan O'Connell Mr. James Madison AVP of Enterprise Risk Management Director of Enterprise Architecture [email protected] [email protected] LinkedIn: Direct: 860-624-2561 https://www.linkedin.com/pub/dan- oconnell/28/217/680

Mr. Troy Nagel Ms. Laura Hanson VP of Enterprise Process Improvement AVP Digital Commerce [email protected] [email protected] LinkedIn: Direct: 860-547-9125 https://www.linkedin.com/pub/troy- nagel/4/999/aa

Ms. Paula McGinley Mr. Rodney McKinney AVP of Corporate Communications Director of IT [email protected] [email protected] LinkedIn: Direct: 860-547-9879 https://www.linkedin.com/pub/paula- mcginley/a/123/11a

Mr. Brion Johnson Ms. Stephanie Pritchett Chief Investment Officer Chief Marketing Officer [email protected] [email protected] LinkedIn: LinkedIn: https://www.linkedin.com/in/brionsjoh https://www.linkedin.com/in/stephaniepr nson itchett

Mr. Christopher Swift Ms. Elaine Gies Director of Internal Audit CEO [email protected] [email protected] LinkedIn: LinkedIn: https://www.linkedin.com/pub/elaine- https://www.linkedin.com/in/cjswift gies/7/899/86a

Ms. Karen Hickey Ms. Debbie Schmaltz Director of Communications Manager of Billing/Collections [email protected] [email protected] LinkedIn: Direct: 860-547-2401 https://www.linkedin.com/pub/karen- hickey/0/413/6a6

Mr. Ken MacDonald Ms. Diane Cantello Manager of Marketing Production VP of Marketing/Communications [email protected] [email protected] LinkedIn: Direct: 860-547-2801 https://www.linkedin.com/pub/ken- macdonald/46/19a/1ab

Mr. Kevin Candito Mr. Mark Wagner Manager of IT Assets VP of Learning [email protected] [email protected] Direct: 860-547-2645 LinkedIn: https://www.linkedin.com/pub/mark- LinkedIn: wagner/6/125/257 https://www.linkedin.com/in/kevin- candito-b5629279

Mr. Mike Fixer AVP and Treasurer Mr. Robert Rupp [email protected] Chief Risk Officer LinkedIn: [email protected] https://www.linkedin.com/pub/mike- fixer/9/849/695

Ms. Sandi Perillo Director of Enterprise Strategic Data Services

[email protected] LinkedIn: https://www.linkedin.com/pub/sandi- perillo/3/73b/a45

Locations

Data Centers

Hartford, CT 6155 1 Hartford Plz Boulder, CO 860-547-5000

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