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hedging costs. The assumptions are developed as part of an annual process and are dependent upon the Company’s current

best estimates of future events. The Company’s current 20 year separate account return assumption is approximately 7.2%

(after fund fees, but before mortality and expense charges) for U.S. products and 5.1% (after fund fees, but before mortality

and expense charges) in aggregate for all Japanese products, but varies from product to product. The Company estimates

gross profits using the mean of EGPs derived from a set of stochastic scenarios that have been calibrated to our estimated

separate account return.

F-17

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