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DAC amortization ratio [2] 109.3% 35.3% 30.2%

DAC amortization ratio excluding DAC Unlock [2] [3] 77.8% 40.0% 40.7%

Institutional

General insurance expense ratio 14.1 bps 14.1 bps 14.7 bps

[1] Excludes the effects of realized gains and losses.

[2] Excludes the effects of realized gains and losses except for net periodic settlements. Included in the net realized capital

gains (losses) are amounts that represent the net periodic accruals on currency rate swaps used in the risk

management of Japan fixed annuity products.

[3] See Unlock and Sensitivity Analysis in the Critical Accounting Estimates section of the MD&A.

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Source: HARTFORD FINANCIAL S, 10-K, February 12, 2009