The Hartford 2008 Annual Report Download - page 761

(D) Change in Salary Reduction Election for Before-Tax Savings and Before-Tax Catch-Up Savings . A Member
may elect to change the rate of his or her Salary reduction for Basic or Supplemental Before-Tax Savings or
Before-Tax Catch-Up Savings as of any business day by giving notice to the Company in a manner and by the date
required by the Plan Administrator. The changed rate of Salary reduction shall be effective as of the next payroll period
(or as soon as practicable thereafter). Notwithstanding the above, Members who are also members in a Hartford Excess
Savings Plan may not elect to change their rate of Salary reduction for Basic or Supplemental Before-Tax Savings
under this Plan after January 1 of the applicable Plan Year (the Salary reduction rate in effect on January 1 of the Plan
Year will continue to apply for that entire Plan Year, except in the case of a suspension of Savings due to a Safe Harbor
Hardship withdrawal as set forth in Section 4.5(B) below; such an Excess Savings Plan member may nonetheless elect
to change his or her rate of Salary reduction for Before-Tax Catch-Up Savings during the Plan Year).
(E) Vesting of Before-Tax Savings and Before-Tax Catch-Up Savings . Before-Tax Savings and Before-Tax
Catch-Up Savings credited to a Member’s Accounts shall at all times be fully vested and nonforfeitable.
4.2 Member Roth 401(k) Savings.
(A) Salary Reduction Election for Roth 401(k) Savings. A Member may elect, subject to the IRS limits described in
Article Six and any other Plan limits, to have his or her Salary reduced (by payroll deduction) by a whole percent not
exceeding 30%, and to have that amount contributed to the Trust Fund as Roth 401(k) Savings, except that a Member
may not elect to contribute Roth 401(k) Savings of more than the difference between 30% of Salary and the amount of
Before-Tax Savings properly elected. Such election shall be made in the manner and by the date required by the Plan
Administrator, and shall be effective with the next payroll paid after the election (or as soon as practicable thereafter).
A Member’s election shall continue to apply notwithstanding a change in his or her principal employer from one
Participating Corporation to another Participating Corporation, unless the Member changes or suspends his or her
Salary reduction rate or savings as permitted by the Plan. The Plan Administrator may establish a separate limit on the
percentage of Salary that a Highly Compensated Member may contribute to the Trust Fund as Roth 401(k) Savings.
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Source: HARTFORD FINANCIAL S, 10-K, February 12, 2009