<SEC-DOCUMENT>0001628280-17-000002.txt : 20170103
<SEC-HEADER>0001628280-17-000002.hdr.sgml : 20170103
<ACCEPTANCE-DATETIME>20170103080747
ACCESSION NUMBER:		0001628280-17-000002
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20161230
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20170103
DATE AS OF CHANGE:		20170103

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HARTFORD FINANCIAL SERVICES GROUP INC/DE
		CENTRAL INDEX KEY:			0000874766
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				133317783
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13958
		FILM NUMBER:		17500376

	BUSINESS ADDRESS:	
		STREET 1:		ONE HARTFORD PLAZA
		CITY:			HARTFORD
		STATE:			CT
		ZIP:			06155
		BUSINESS PHONE:		8605475000

	MAIL ADDRESS:	
		STREET 1:		ONE HARTFORD PLAZA
		CITY:			HARTFORD
		STATE:			CT
		ZIP:			06155

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ITT HARTFORD GROUP INC /DE
		DATE OF NAME CHANGE:	19930328
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>projectrudolphform8-kfinal.htm
<DESCRIPTION>8-K
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
	<head>
		<!-- Document created using Wdesk 1 -->
		<!-- Copyright 2017 Workiva -->
		<title>Document</title>
	</head>
	<body style="font-family:Times New Roman;font-size:10pt;">
<div><a name="s9f4af9aab39141e2954ac0a7b9c7db1b"></a></div><div></div><div><br></div><div style="line-height:120%;padding-bottom:6px;padding-top:6px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">UNITED STATES <br>SECURITIES AND EXCHANGE COMMISSION  <br>WASHINGTON, D.C. 20549 </font></div><div style="line-height:120%;padding-bottom:6px;padding-top:6px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">FORM 8-K </font></div><div style="line-height:120%;padding-bottom:6px;padding-top:6px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">CURRENT REPORT </font></div><div style="line-height:120%;padding-bottom:6px;padding-top:6px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Pursuant to Section&#160;13 or 15(d) of the Securities Exchange Act of 1934 </font></div><div style="line-height:120%;text-align:center;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:51%;"></td><td style="width:5%;"></td><td style="width:44%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Date of Report (Date of Earliest Event Reported):</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">December 30, 2016</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-bottom:6px;padding-top:6px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">The Hartford Financial Services Group, Inc.  <br>__________________________________________ <br>(Exact name of registrant as specified in its charter) </font></div><div style="line-height:120%;text-align:center;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:43%;"></td><td style="width:29%;"></td><td style="width:28%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Delaware</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">001-13958</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">13-3317783</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">_____________________ <br>(State or other jurisdiction</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">_____________ <br>(Commission</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">______________ <br>(I.R.S. Employer</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">of incorporation)</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">File Number)</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Identification No.)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">One Hartford Plaza, Hartford, Connecticut</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">6155</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">________________________________<br>(Address of principal executive offices)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">___________ <br>(Zip Code)</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Not Applicable  <br>______________________________________________ <br>Former name or former address, if changed since last report </font></div><div style="line-height:120%;text-align:center;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:51%;"></td><td style="width:5%;"></td><td style="width:44%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Registrant&#8217;s telephone number, including area code:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">860-547-5000</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:6px;padding-top:6px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160; </font></div><div style="line-height:120%;padding-bottom:6px;padding-top:6px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: </font></div><div style="line-height:120%;padding-bottom:6px;padding-top:6px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[&#160;&#160;]&#160;&#160;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) <br>[&#160;&#160;]&#160;&#160;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) <br>[&#160;&#160;]&#160;&#160;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) <br>[&#160;&#160;]&#160;&#160;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:6pt;"><font style="font-family:Arial;font-size:6pt;"><br></font></div></div><hr style="page-break-after:always"><div><a name="sEC305E8B7DC4A31F681B274A1B4F44B2"></a></div><div></div><div><br></div><div style="line-height:105%;padding-top:1px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Item 1.01&#160;&#160;&#160;&#160;Entry into a Material Definitive Agreement</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">On December 30, 2016, Hartford Fire Insurance Company and certain of its affiliates (collectively, the &#8220;Hartford Insurers&#8221;), which are wholly owned insurance company subsidiaries of The Hartford Financial Services Group, Inc. (the &#8220;Company&#8221;), entered into an Aggregate Excess of Loss Reinsurance Agreement (the &#8220;Reinsurance Agreement&#8221;) with National Indemnity Company (&#8220;NICO&#8221;), a subsidiary of Berkshire Hathaway Inc. (&#8220;Berkshire&#8221;).  The Company and the Hartford Insurers concurrently entered into certain other related agreements with NICO and  certain of its affiliates (collectively with the Reinsurance Agreement, the &#8220;Agreements&#8221;) to effectuate the terms of the transaction.</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">The Agreements, which are effective as of December 31, 2016, provide as follows: (i) the Hartford Insurers will pay NICO a reinsurance premium of $650 million in exchange for $1.5 billion of reinsurance for adverse net loss reserve development above the Company&#8217;s existing net asbestos and environmental (&#8220;A&amp;E&#8221;) reserves as of December 31, 2016; (ii) the Company will retain the risk of collection on the Hartford Insurers&#8217; third-party reinsurance; (iii) the Company will retain responsibility for claims handling and other administrative services, subject to certain conditions; (iv) the $650 million reinsurance premium paid to NICO will be placed into a collateral trust account as security for NICO&#8217;s claim payment obligations to the Hartford Insurers, and (v) Berkshire will provide a parental guarantee to secure the obligations of NICO under the Agreements. The reinsurance will cover adverse development on substantially all the Company&#8217;s A&amp;E reserves, excluding those held by the Company&#8217;s U.K. Property and Casualty run-off subsidiaries (under contract to be sold with a closing projected for the first quarter 2017), as well as other non-U.S. operations with less than $3 million in A&amp;E reserves.  </font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">The transaction will be accounted for as retroactive reinsurance in the Company&#8217;s GAAP financial statements and is expected to result in a net loss of approximately $423 million, after-tax, in the fourth quarter of 2016.</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Item 7.01&#160;&#160;&#160;&#160;Regulation FD Disclosure</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">On January 3, 2017, the Company issued a press release relating to the Agreements described above in Item 1.01. The press release is furnished as Exhibit 99.1 to this Form 8-K.</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">The information under Item 7.01 in this Form 8-K is being furnished and shall not be deemed &#8220;filed&#8221; for the purpose of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. The information under Item 7.01 in this Form 8-K shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended.</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Item 9.01&#160;&#160;&#160;&#160;Financial Statements and Exhibits</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(d) </font><font style="font-family:inherit;font-size:11pt;font-style:italic;">Exhibits</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:15%;"></td><td style="width:3%;"></td><td style="width:82%;"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Exhibit No.</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Description</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">99.1</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Press Release of The Hartford Financial Services Group, Inc. dated January 3, 2017</font></div></td></tr></table></div></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:6pt;"><font style="font-family:Arial;font-size:6pt;"><br></font></div></div><hr style="page-break-after:always"><div><a name="s2b2046cdd09c4d9394c8316762d84b60"></a></div><div></div><div><br></div><div style="line-height:120%;padding-bottom:6px;padding-top:6px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">SIGNATURES</font></div><div style="line-height:120%;padding-bottom:6px;padding-top:6px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. </font></div><div style="line-height:120%;text-align:center;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:98.37962962962963%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:30%;"></td><td style="width:11%;"></td><td style="width:6%;"></td><td style="width:1%;"></td><td style="width:52%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="3" style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">The Hartford Financial Services Group, Inc.</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-style:italic;">January 3, 2017</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-style:italic;">By:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">/s/ Beth Bombara</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-style:italic;">Name: Beth Bombara</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-style:italic;">Title: Executive Vice President and Chief Financial Officer</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:6pt;"><font style="font-family:Arial;font-size:6pt;"><br></font></div></div>	</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exhibit991.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
	<head>
		<!-- Document created using Wdesk 1 -->
		<!-- Copyright 2017 Workiva -->
		<title>Exhibit</title>
	</head>
	<body style="font-family:Times New Roman;font-size:10pt;">
<div><a name="s48F94D1F770F779512A6276020F277E2"></a></div><div><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div></div><div><br></div><div style="line-height:138%;padding-bottom:13px;text-align:right;font-size:24pt;"><font style="font-family:Arial;font-size:24pt;color:#5f5f5f;">&#32;</font><img src="a2039249511image1.jpg" alt="a2039249511image1.jpg" style="height:136px;width:138px;"></div><div style="line-height:120%;text-align:left;font-size:24pt;"><font style="font-family:Arial;font-size:24pt;color:#5f5f5f;">NEWS RELEASE</font><font style="font-family:inherit;font-size:24pt;color:#5f5f5f;font-weight:bold;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font></div><div style="line-height:120%;text-align:left;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:18pt;"><font style="font-family:Arial;font-size:18pt;font-weight:bold;">The Hartford Enters Into Reinsurance Agreement Covering Asbestos And Environmental Liability Reserves With National Indemnity Company</font></div><div style="line-height:120%;text-align:left;font-size:14pt;"><font style="font-family:Arial;font-size:14pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:14pt;padding-left:24px;"><font style="font-family:Arial;font-size:14pt;font-style:italic;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:14pt;"><font style="font-family:Arial;font-size:14pt;font-style:italic;">Agreement provides aggregate limit of up to $1.5 billion for adverse net loss reserve development on asbestos and environmental exposures</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:14pt;padding-left:24px;"><font style="font-family:Arial;font-size:14pt;font-style:italic;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:14pt;"><font style="font-family:Arial;font-size:14pt;font-style:italic;">Reinsurance premium of $650 million will result in a fourth quarter 2016 charge to net income of $423 million, after-tax</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:14pt;padding-left:24px;"><font style="font-family:Arial;font-size:14pt;font-weight:bold;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:14pt;"><font style="font-family:Arial;font-size:14pt;font-style:italic;">The Hartford to retain control of claims handling for all exposures reinsured under this agreement</font></div></td></tr></table><div style="line-height:120%;text-align:left;padding-left:24px;font-size:14pt;"><font style="font-family:Arial;font-size:14pt;"><br></font></div><div style="line-height:120%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">HARTFORD, Conn., Jan. 3, 2017 -</font><font style="font-family:inherit;font-size:11pt;">&#32;</font><font style="font-family:Arial;font-size:11pt;color:#0000ff;text-decoration:underline;">The Hartford</font><font style="font-family:Arial;font-size:11pt;">&#32;has entered into a definitive agreement effective Dec. 31, 2016 with National Indemnity Company (NICO), a subsidiary of Berkshire Hathaway Inc., for a $1.5 billion aggregate excess of loss reinsurance agreement covering certain of The Hartford&#8217;s asbestos and environmental liability exposures. The reinsurance premium for this agreement is $650 million.</font></div><div style="line-height:120%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">The agreement covers potential adverse development on The Hartford&#8217;s existing asbestos and environmental reserves as of Dec. 31, 2016, excluding those held by the company&#8217;s U.K. Property and Casualty (P&amp;C) run-off subsidiaries, which the company is under contract to sell and currently expects to close in first quarter 2017. The agreement provides up to $1.5 billion of reinsurance for adverse net loss reserve development above estimated net loss reserves of $1.7 billion as of Dec. 31, 2016. The Hartford will continue to handle claims, subject to certain conditions, and will retain the risk of recoveries under third-party reinsurance contracts for these exposures.</font></div><div style="line-height:120%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">&#8220;Our asbestos and environmental exposures have generated adverse loss reserve development  over time, creating uncertainty for investors and others about the ultimate cost of these policy liabilities, most of which were underwritten prior to 1985,&#8221; said Chief Financial Officer Beth Bombara. &#8220;The agreement announced today is consistent with our stated objective of evaluating options that had favorable economics, while taking into consideration our expertise in handling </font></div><div><br></div><div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">these complex claims. NICO is a very strong counterparty and this agreement reduces uncertainty about potential adverse development while allowing us to continue to handle both claims and reinsurance recoveries, which we believe will enable us to achieve the best possible resolution for these long-tail exposures.&#8221; </font></div><div style="line-height:120%;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">The agreement will be accounted for in The Hartford&#8217;s fourth quarter 2016 financial statements as a retroactive reinsurance agreement, resulting in a charge of approximately $423 million, after-tax, against fourth quarter 2016 net income, or a pro forma impact of $1.10 per share to Sept. 30, 2016 book value per diluted share of $48.30. The reinsurance premium is expected to have a slightly negative impact on 2017 P&amp;C net investment income and does not affect the company&#8217;s expectation to execute its previously announced 2017 capital management plan including equity repurchases of $1.3 billion.</font></div><div style="line-height:120%;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;"><br></font></div><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;font-weight:bold;">About The Hartford</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">The Hartford is a leader in property and casualty insurance, group benefits and mutual funds. With more than 200 years of expertise, The Hartford is widely recognized for its service excellence, sustainability practices, trust and integrity. More information on the company and its financial performance is available at&#160;</font><font style="font-family:Arial;font-size:11pt;color:#00497f;text-decoration:underline;">https://www.thehartford.com</font><font style="font-family:Arial;font-size:11pt;">. Follow us on Twitter at&#160;</font><font style="font-family:Arial;font-size:11pt;color:#00497f;text-decoration:underline;">www.twitter.com/TheHartford_PR</font><font style="font-family:Arial;font-size:11pt;">. </font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, Conn. For additional details, please read The Hartford&#8217;s legal notice at </font><font style="font-family:Arial;font-size:11pt;color:#00497f;text-decoration:underline;">https://www.thehartford.com/legal-notice</font><font style="font-family:Arial;font-size:11pt;">.</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">HIG-C</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">Some of the statements in this release may be considered forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995.  We caution investors that these forward-looking statements are not guarantees of future performance, and actual results may differ materially.  Investors should consider the important risks and uncertainties that may cause actual results to differ.  These important risks and uncertainties include those discussed in our 2015 Annual Report on Form 10-K, subsequent Quarterly Reports on Forms 10-Q, and the other filings we make with the Securities and Exchange Commission.  We assume no obligation to update this release, which speaks as of the date issued.</font></div><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">From time to time, The Hartford may use its website to disseminate material company information. Financial and other important information regarding The Hartford is routinely accessible through and posted on our website at </font><font style="font-family:Arial;font-size:8pt;color:#00497f;text-decoration:underline;">https://ir.thehartford.com</font><font style="font-family:Arial;font-size:8pt;">. In addition, you may automatically receive email alerts and other information about The Hartford when you enroll your email address by visiting the &#8220;Email Alerts&#8221; section at </font><font style="font-family:Arial;font-size:8pt;color:#00497f;text-decoration:underline;">https://ir.thehartford.com</font><font style="font-family:Arial;font-size:8pt;">.</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;font-weight:bold;">Media Contact:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Investor Contact:</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">Michelle Loxton &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Sabra Purtill </font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">860-5470-7413 &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;860-547-8691</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;color:#00497f;text-decoration:underline;">michelle.loxton@thehartford.com</font><font style="font-family:Arial;font-size:11pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family:Arial;font-size:11pt;color:#00497f;text-decoration:underline;">sabra.purtill@thehartford.com</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:Arial;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div>	</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>a2039249511image1.jpg
<TEXT>
begin 644 a2039249511image1.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_[@ .061O8F4 9      !_^$ >D5X:68
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M# P,#/_  !$( (@ B@,!$0 "$0$#$0'_Q  >  $  04  P$
M" 0%!@<) @,* ?_$ $<0  $$ 00! @0"!P((#P$   (! P0%!@ 1$@<((1,Q
M02(483)1<9%2(Q460@G!@K-T-;5W.(&AT<+B,\-$M-2%E587&#G_Q  ; 0$
M 04!                ! $" P4&!__$ #T1  $# @0#! @$!@$% 0    $
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M&]0V6.4G9%(<YQQFPGS+"*U.<DQXR-ORH+C3BD+?W#($RJKR<-4]N%.<YN^
M#/Z<EUUK:6EH8&!,YU!(Q+9  LQ. D_%B7Y#/HKBW715*PIN49#(S&VKQ :U
MLF6X%37BVB" U]5'_@M<$383<5UT4W1'>/IJ;&#9EURE:[UN(1T@Y\9'^:1Q
M/<P[%38-=N2L[[KH)3RK)I\AJY<&,2^HUTZ@K1:-$_=*3'DI^L5U2!\4AV_!
M5N:;4:,AQB1WB4O@8JY8OESTS+,TP6[(6[_&WFK*N5!1M)E)9*91)#8_/V7
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MJ\"F"@UR_"1<9\LNSM&;,[AP(SZP+;JLKH$JUL(-7!;]Z;92&HL-K?;DZ\:
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M;&B^HI(%/E\-8HV]41TZ@RV5??=NJ5?/-&4J@R<X89<2/8IW]&]+XST/@$'
M\8==FMMO.3;BXD((O3ISR"+CYB/H/T@("*?E$13=5W)9=*D*<6"YK<MPJ7U8
MU9X< .0Y+<&LB@)HB:(FB)HB:(FB)HB:(FB)HB:(FB)HB:(FB)HB:(FB)HB:
#(O_9

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
