The Hartford 2009 Annual Report Download - page 4

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• the potential effect of domestic and foreign regulatory developments, including those that could adversely impact the demand for
the Company’ s products, operating costs and required capital levels, including changes to statutory reserves and/or risk-based
capital requirements related to secondary guarantees under universal life and variable annuity products;
• the Company’ s ability to distribute its products through distribution channels, both current and future;
• the uncertain effects of emerging claim and coverage issues;
• the ability of the Company’ s subsidiaries to pay dividends to the Company;
• the Company’ s ability to effectively price its property and casualty policies, including its ability to obtain regulatory consents to
pricing actions or to non-renewal or withdrawal of certain product lines;
• the Company’ s ability to maintain the availability of its systems and safeguard the security of its data in the event of a disaster or
other unanticipated events;
• the potential for difficulties arising from outsourcing relationships;
• the impact of potential changes in federal or state tax laws, including changes affecting the availability of the separate account
dividend received deduction;
• the impact of potential changes in accounting principles and related financial reporting requirements;
• the Company’ s ability to protect its intellectual property and defend against claims of infringement; and
• other factors described in such forward-looking statements.
Any forward-looking statement made by us in this document speaks only as of the date on which it is made. Factors or events that could
cause our actual results to differ may emerge from time to time, and it is not possible for us to predict all of them. We undertake no
obligation to publicly update any forward-looking statement, whether as a result of new information, future developments or otherwise,
except as may be required by law.