1 Overview

2 The Hartford provides access to online retirement planning and investment guidance through Morningstar ® ClearFuture ® Will you retire on target? Will you retire on target? “The Hartford” is Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life Insurance Company.

3 Confused about planning for retirement?  What is my retirement goal?  How much should I be saving?  How much income can I expect in retirement?  In which retirement plan investment choices should I invest?  How much should I invest in each?  When, and why, should I make investment changes?  When will I be able to retire?

4 Retire on Target.

5 Retirement Plan Investment Recommendations which are ….  Personalized - all recommendations factor in your risk tolerance, your time horizon and your unique goals  Objective - Morningstar Associates, LLC is an independent investment adviser and has no vested interest in any of the investments recommended  Customized - all recommendations reflect the features and investment choices in your company retirement plan  Professional - Morningstar Associates, LLC is a federally registered investment adviser

6  Convenient - around-the-clock access via the Internet  Easy - log in from home, work, or wherever you are  Fast - receive a personalized recommendation on how to invest in your retirement plan in 20 minutes or less  Secure - Morningstar uses leading-edge encryption technology to ensure confidentiality at all times Morningstar  ClearFuture  is...

7  First log in to and click on HartfordOnline Access  Once you enter into your Hartford account, click on “ClearFuture ® ” under the “Transactions” menu  OR, take a self-guided tour Easy Access

8  Read and accept the advice disclaimer by The Hartford Easy Access

9  Read and accept the Morningstar  ClearFuture  Advisory Agreement and Privacy Policy before getting into ClearFuture

10 Step 1 is a breeze! Step 1: Getting Started Step 2. We’ll gather all relevant financial information. Step 2: Current Situation All you have to do is tell us a little bit about yourself. Your company provides census data so many of the fields will already be pre-populated.

11 Step 3. Suggested plan. Step 3: Pick A Plan Step 4. Let’s see how you react. Step 4: Bear Market Simulator

12 Step 5. Specific investment recommendations. Step 5: Investment Recommendations Step 6. TAKE ACTION TODAY! Step 6: Action List

13 Learning Station — Tools  Tools are fun, tailored to you, and provide suggested action!  The short articles save you time! 1. Five Minute Guide 2. Specific Concerns 3. Custom Course 4. Browsing Room 5. Tool Box

14 One of the smartest ways to help pay for your child’s college education is to: Begin saving for tuition Questions & Answers Five Minute Guide Make a Selection How much can I contribute? Do I have enough to retire? Specific Concerns

15 Not sure what to read? Answer these 12 questions and we’ll build a custom investment course for you. Custom Course Browsing Room Sections The Basics of Investing The Importance of Planning

16 Research Lab  Overview of investment choices  Customized search capabilities  Morningstar ® Investment Profile™ reports

17 Will you retire on target? “The Hartford” is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life Insurance Company. Retirement programs are funded by group variable annuity contracts (HL-15811, HVL and HVL series, HVL-14000, HVL and HVL-20000, HL-14848, HL with Rider HL and HVL and HVL series for NY, HL-14991, NY & FL: HL ) and group variable funding agreements (HL and HL for NY), or The Hartford Mutual Funds. Group variable annuities and group variable funding agreements issued by Hartford Life Insurance Company. Group variable annuity contracts are underwritten and distributed by Hartford Securities Distribution Company, Inc. where applicable. The Hartford Mutual Funds are underwritten and distributed by Hartford Investment Financial Services, LLC. For more complete information on The Hartford's group variable annuities, group variable funding agreements, or The Hartford Mutual Funds, including charges and expenses, call us at to obtain a prospectus or disclosure documents (including the Program Overview, Program Highlights, Investment Option Fee Schedule and applicable historical investment option performance information), whichever is applicable. Read this material carefully before you invest or send money. Neither The Hartford nor its agents or employees provide investment, financial, tax, legal or accounting advice. Please consult with professional advisors if you need these services.