1. Multnomah County Deferred Compensation “The Hartford” is the Hartford Financial Services Group, Inc. and its subsidiaries, including the issuing company, Hartford Life Insurance Company.

2. Multnomah County Deferred Compensation Preparing For Tomorrow

3. Determining Your Retirement Income Most Frequently Asked Question: “Will I have accumulated enough to retire comfortably?”

4. Determining Your Retirement Income Ideally, you would like to have: *According to the Social Security Administration, 2002. 70% to 80% of your current income.*

5. Determining Your Retirement Income Example: Age: 35 Annual Income: $32,000 Retirement Age: 60 Annual Retirement Benefit at 80% * Current dollars Goal $25,600*

6. Determining Your Retirement Income Where Will The Money Come From? Pension Social Security Personal Retirement Savings

7. Reducing Your Current Income Taxes* Maybe you’ve considered participating in Multnomah County Deferred Compensation but didn’t think you could afford it... * Withdrawals are subject to ordinary income tax, and if taken prior to age 59 1 / 2 a 10% federal income tax penalty may apply to amounts rolled in from an IRA or other qualified plan.

8. Example assumes a combined 32% Federal and State Income Tax Rate. * Withdrawals are subject to ordinary income tax, and if taken prior to age 59 1 / 2 a 10% federal income tax penalty may apply to amounts rolled in from an IRA or other qualified plan. Reducing Your Current Income Taxes * Current tax reduction* $32 Net pay reduced by $68 Your Contribution $100

9. The Power of Tax Deferral 1 This hypothetical example assumes 0% annual rate of return, 32% combined federal and state tax rate and lump sum withdrawals. This is a hypothetical example and is not indicative of current or future performance. Tax deferral is derived from your employer’s Plan and not from any particular investment. 2 Assumes the same 7% annual rate as the taxable investment. A group variable annuity features certain charges such as a mortality expense and risk and administrative expense charge, investment management fees and a surrender charge. These results do not reflect these charges. If these charges were reflected, the results shown would be reduced. 3 Tax-deferred after taxes reflects the same assumptions as the tax-deferred illustration, but represents the surrender value less taxes at an assumed combined federal and state tax rate of 32%. Graph assumed: $100 bi-weekly contribution 20 Years30 Years $52 $110 $75 $78 $254 $173 (in thousands)

10. Scenario A Contributions commence at age 22. Contribution: $77/ pay period ($2,000/year) Duration: 10 years Total contributions: $20,000 Scenario A Contributions commence at age 22. Contribution: $77/ pay period ($2,000/year) Duration: 10 years Total contributions: $20,000 Scenario B - Contributions commence at age 32. Contribution: $77/ pay period ($2,000/year) Duration: 33 years Total contributions: $66,000 Scenario B - Contributions commence at age 32. Contribution: $77/ pay period ($2,000/year) Duration: 33 years Total contributions: $66,000 This is a hypothetical example and is not indicative of current or future performance. If both accounts appreciate each year at a hypothetical 7%* annual rate of return, at age 65 which scenario would you rather be in? Assumes the same 7% annual rate as the taxable investment. A group variable annuity features certain charges such as a mortality and expense risk and administrative charge, investment management fees and a surrender charge. These results do not reflect these charges. If these charges were reflected, the results shown would be reduced. The Cost of Waiting

11. Not a guarantee of current or future performance. Scenario A $267,217!! If contributions continued uninterrupted, this number would be $513,883! Scenario A $267,217!! If contributions continued uninterrupted, this number would be $513,883! Scenario B - $246,665 A difference of over $20K, with 23 more years of contributions! The price that is paid for waiting 10 years! The Cost of Waiting

12. Determining Your Contribution Amount You make two decisions when you decide to participate in Deferred Compensation: 1. How much to contribute? 2. Where to invest the contribution?

13. Determining Your Contribution Amount: Contribution Limits Minimum Contribution: The minimum contribution is $25 per pay period, or 1% of pay. Maximum Annual Contribution: For 2010, you can contribute up to a maximum of $16,500 or 100% of your includible compensation, whichever is less.

14. Catch-Up Provisions Pre-retirement catch-up provision allows you to catch-up on the past contributions you could have made but did not – up to twice the standard limit. Age 50+ catch-up provision. The schedule for the 50+catch-up is as follows: Year Additional Contribution 2010$ 5,500

15. The Power of Time & Money All too often, we put off until tomorrow what we can do today. This is no more evident than when it comes to saving money, especially when the savings are for retirement. The following chart assumes that you start your savings program by setting aside $100 each pay period, with annual increases of $25 per year thereafter until you reach the maximum annual contribution. * Because your contributions are made on a pretax basis, take home pay is not usually reduced by the full amount of your contribution. For example, a contribution of $100 only reduces your take home pay by $68. ** *Limit for 2004: the lesser $13,000 or 100% of your includible compensation. Increases by $1,000 annually until 2006 and indexed thereafter. **Assumes a 32% combined Federal/State tax bracket

16. The Power of Disciplined Investing Beginning pretax contributions of $100 per bi- weekly pay period with an annual increase of $25. Assumes indexed maximum contribution rates through 2005 *Assumes a combined 32% Federal & State income tax rate. **Assumes the same 7% annual rate as the taxable investment. A group variable annuity features certain charges such as a mortality expense and risk and administrative expense charge, investment management fees and a surrender charge. These results do not reflect these charges. If these charges were reflected, the results shown would be reduced. Not a guarantee of current or future performance, and not indicative of any particular investment. Withdrawals are subject to ordinary income tax, and if taken prior to age 59 1 / 2 a 10% federal income tax penalty may apply to amounts rolled in from an IRA or other qualified plan.

17. Accessing Your Assets: When are They Available? Retirement Severance from Employment Disability Unforeseen, Severe Financial Emergency To Your Beneficiary Upon Your Death Laws effective 2002 permit Deferred Compensation assets to be rolled into an Individual Retirement Account (IRA), and certain other qualified plans. Withdrawals are subject to ordinary income tax, and if taken prior to age 59 1 / 2 a 10% federal income tax penalty may apply to amounts rolled in from an IRA or other qualified plan.

18. Multnomah County Deferred Compensation Features Competitive Fee Structure Competitive General Account Investment choices span an array of Morningstar* Categories Dollar Cost Averaging Capability** Several Payout Options **Dollar Cost Averaging involves continuous investing, regardless of periods of fluctuating price levels. You should consider your ability to continue purchasing units during periods of fluctuating prices. While DCA does not assure a profit or protect against loss, it can be a sound investment strategy.

19. Developing an Investment Strategy Number of years until you retire Your age at retirement Your activity level at retirement Your investment goals Your comfort zone/risk tolerance Risk/Reward tradeoff Inflation

20. Defining Market Risk Generally, the greater the potential for higher short-term gain, the greater the potential for loss of principal.

21. General Risk Classification for Investment Choices * * Specific investment options within each group have varying levels of risk and reward potential. Growth Growth & Income Income Preservation of Principal

22. The Risk/Return Pyramid Generally, the higher an investment choice is on the pyramid, the greater its potential for gain, and the greater the risk of loss. Growth & Income Preservation of Principal Income Growth Higher Lower Risk * Specific investment options within each group have varying levels of risk and reward potential.

23. Investing For Growth Investment choices high on the pyramid are generally more aggressive. They provide greater potential for significant returns, along with proportionately greater risk. * Specific investment options within each group have varying levels of risk and reward potential.

24. Investing for Growth & Income Investment choices in the middle of the pyramid seek moderate returns for those investors willing to assume a moderate level of risk. * Specific investment options within each group have varying levels of risk and reward potential.

25. Investing for Income Investment choices nearer the bottom of the pyramid are generally more conservative, and are for investors who are seeking to preserve principal while earning income and assuming a reduced level of risk. * Specific investment options within each group have varying levels of risk and reward potential.

26. Investing for Preservation of Principal Investment choices at the bottom of the pyramid are generally the most conservative, providing consistent income with lower risk of loss of principal. * Specific investment options within each group have varying levels of risk and reward potential.

27. Defining Inflation Risk The potential for long term loss of purchasing power. At a hypothetical 4% inflation rate: Your retirement income today: 30,000 In 10 years, you’ll need $44,000 to pay exactly the same bills! In 25 years, you’ll need $80,000

28. Diversifying your Assets Avoid falling prey to any one type of risk Offers the potential to help offset poor returns

29. Three Ways to Diversify Choose investment options with a number of different objectives Choose different types of investment classes Choose different investment options within an investment type

30. Asset Allocation Deciding how much to put into various investment choices depends on some of the factors we’ve already discussed: How long you have until you’ll need the money How much risk you’re willing to take

31. Multnomah County Deferred Compensation Flexibility Invest in one or more investment choices Transfer assets among investment choices Change future investment elections

32. Multnomah County Program Features Local Representatives – Steve Forrer- Hartford 503-643-4013 – Melinda Lewis- ING 503-937-0343 – Misti Rooney – Advantis 503-785-2548 Toll-Free Account Access -Speak with a Customer Service Associate -Utilize the Automated System Check personal account balances Obtain daily unit value information Transfer assets among investment choices Change future investment elections Great service…the way you want it.

33. Personal Assistance Can offer confidential, individual appointments at your work site Can help calculate the net impact of pre-tax contributions on your take home pay Can provide information to help you select your investment choice(s) Can conduct informational group meetings Can help you review your personal account as your circumstances change Can help you determine how much income you will need to meet your retirement goals Your Representative:

34. Preparing for Tomorrow Steps you can take today: Plan how much you will need at retirement Enroll in Multnomah County 457 Plan as soon as possible Contribute as much as you can Build an investment strategy that’s right for you Invest according to your strategy Review your strategy periodically

35. Enrolling in Multnomah County Deferred Compensation Plan Read the information in your enrollment book carefully Complete the enrollment forms and return to your Central Payroll. We look forward to working with you!

36. Questions

37. Important Information The Hartford is the Hartford Financial Services Group, Inc. and its subsidiaries, including the issuing company, Hartford Life Insurance Company. The DCPlus Program is funded by group variable annuity contracts(HL-15811, HVL-11002 and HVL-21002 series, HVL-14000, HVL-14001 and HVL-20000). All contracts are issued by Hartford Life Insurance Company (Simsbury, CT). HVL-11002 and HVL-21002 series, HVL-14000, HVL-14001 and HVL-20000 are underwritten and distributed by Hartford Securities Distribution Company, Inc. This presentation must be preceded or accompanied by a currently effective 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. The Possibilities program is funded by a group variable funding agreement (16553(NY)) issued by Hartford Life Insurance Company (Simsbury, CT). This presentation must be preceded or accompanied by a currently effective 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. All illustrations contained in this presentation are hypothetical only, and are not a guarantee of performance, nor are they reflective of any particular investment. This presentation is for illustrative purposes only and is not to be construed as legal or tax advice. Consult your tax advisor or legal counsel regarding your personal situation.