Document:

Third Supplemental Indenture

 Exhibit 4.3 

 
  

 
 7.875% Fixed-To-Floating Rate
Junior Subordinated Debentures due 2042 
 THIRD SUPPLEMENTAL INDENTURE 

between 
 THE
HARTFORD FINANCIAL SERVICES GROUP, INC. 
 and 
 THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A. 
 as Trustee 

Supplemental to Junior Subordinated Indenture 
 Dated as of April 5, 2012 
  

 
  

 Table of Contents 

 

					
	ARTICLE 1	  
	DEFINITIONS	  
		
	 Section 1.01 Definitions
	  	 	1	  
		
	ARTICLE 2	  			
	GENERAL TERMS AND CONDITIONS OF THE DEBENTURES	  			
		
	 Section 2.01 Designation, Principal Amount and Authorized Denominations
	  	 	7	  
	 Section 2.02 Repayment
	  	 	8	  
	 Section 2.03 Form
	  	 	8	  
	 Section 2.04 Rate of Interest; Interest Payment Date
	  	 	9	  
	 Section 2.05 Interest Deferral
	  	 	9	  
	 Section 2.06 Events of Default
	  	 	10	  
	 Section 2.07 Securities Registrar; Paying Agent; Delegation of Trustee Duties
	  	 	12	  
	 Section 2.08 Subordination
	  	 	12	  
	 Section 2.09 Satisfaction and Discharge
	  	 	12	  
	
	ARTICLE 3	  
	COVENANTS	  
		
	 Section 3.01 Dividend and Other Payment Stoppages
	  	 	12	  
	
	ARTICLE 4	  
	REDEMPTION OF THE DEBENTURES	  
		
	 Section 4.01 Redemption
	  	 	13	  
	 Section 4.02 Redemption Price
	  	 	14	  
	
	 ARTICLE 5
	   

	 ORIGINAL ISSUE OF DEBENTURES
	   

		
	 Section 5.01 Calculation of Original Issue Discount
	  	 	14	  
	
	 ARTICLE 6
	   

	 MISCELLANEOUS
	   

		
	 Section 6.01 Effectiveness
	  	 	15	  
	 Section 6.02 Effect of Recitals
	  	 	15	  
	 Section 6.03 Ratification of Indenture
	  	 	15	  
	 Section 6.04 Tax Treatment
	  	 	15	  

  
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	 Section 6.05 Governing Law
	  	 	15	  
	 Section 6.06 Severability
	  	 	15	  
	 Exhibit A Specimen Debenture
	  	 	A-1	  

  
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 THIRD SUPPLEMENTAL INDENTURE, dated as of April 5, 2012 (the “Third
Supplemental Indenture”), between THE HARTFORD FINANCIAL SERVICES GROUP, INC., a Delaware corporation (the “Company”), having its principal office at One Hartford Plaza, Hartford, Connecticut 06155, and THE BANK OF NEW YORK
MELLON TRUST COMPANY, N.A., a national banking association incorporated and existing under the laws of the United States of America, as Trustee (hereinafter called the “Trustee”). 

RECITALS OF THE COMPANY 
 The Company and the Trustee entered into a Junior Subordinated Indenture, dated as of June 6, 2008 (as it may from time to time be supplemented or amended, the “Indenture”).
Section 901 of the Indenture provides that the Company and the Trustee may, without the consent of any Holder, enter into a supplemental indenture to provide for the issuance of and establish the form and terms of the Securities of any series
as provided in Section 201 or 301 thereof. 
 Pursuant to Sections 201 and 301 of the Indenture, the Company desires
to provide for the issuance and establishment of a series of Securities under the Indenture, and the form and terms thereof, as hereinafter set forth. 
 The Company has requested that the Trustee execute and deliver this Third Supplemental Indenture. The Company has delivered to the Trustee an Opinion of Counsel and an Officers’ Certificate pursuant
to Sections 102 and 903 of the Indenture to the effect, among other things, that all conditions precedent provided for in the Indenture to the Trustee’s execution and delivery of this Third Supplemental Indenture have been complied with.
All acts and things necessary have been done and performed to make this Third Supplemental Indenture enforceable in accordance with its terms, and the execution and delivery of this Third Supplemental Indenture has been duly authorized in all
respects. 
 NOW, THEREFORE: For and in consideration of the premises and the purchase of the Debentures (as herein defined) by
the Holders thereof, it is mutually covenanted and agreed, for the equal and proportionate benefit of all Holders of the Debentures, as follows: 
 ARTICLE 1 
 DEFINITIONS 
 Section 1.01 Definitions. 

 For all purposes of this Third Supplemental Indenture, except as otherwise expressly
provided or unless the context otherwise requires: 
 (a) The terms defined in the Indenture have the same meaning when used in
this Third Supplemental Indenture unless otherwise defined herein. 
 (b) The terms defined in this Article have the meanings
assigned to them in this Article, and include the plural as well as the singular. 
 (c) the words “herein,”
“hereof” and “hereunder” and other words of similar import refer to this Third Supplemental Indenture as a whole and not to any particular Article, Section or other subdivision, and any reference to an Article, Section or other
subdivision refers to an Article, Section or other subdivision of this Third Supplemental Indenture. 
 (d) Any reference herein
to “interest” shall include any Additional Interest. 
 In addition, the following terms used in this Third
Supplemental Indenture have the following respective meanings: 
 “Additional Interest” means the interest, if
any, that shall accrue on any interest on the Debentures the payment of which has not been made on the applicable Interest Payment Date. 
 “Business Day” means any day other than (i) a Saturday or Sunday, (ii) a day on which banking institutions in New York City are authorized or required by law or executive order
to remain closed, (iii) a day on which the Corporate Trust Office of the Trustee is closed for business or (iv) on or after April 15, 2022, a day that is not a London Banking Day. 

“Calculation Agent” means, with respect to the Debentures, The Bank of New York Mellon Trust Company, N.A., or any other
successor, acting as calculation agent in respect of the Debentures. 
 “Common Stock” means the common stock,
par value $0.01 per share, of the Company. 
 “Company” has the meaning specified in the Recitals. 

“Debentures” has the meaning specified in Section 2.01. 

“Deferral Period” means the period commencing on an Interest Payment Date with respect to which the Company elects or is
deemed to elect to defer interest pursuant to Section 2.05 and ending on the earlier of (i) the tenth anniversary of that Interest 

  
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Payment Date and (ii) the next Interest Payment Date on which the Company has paid all deferred and unpaid amounts (including Additional Interest) and all other accrued interest on
the Debentures. 
 “Event of Default” has the meaning specified in Section 2.07. 

“Fixed Rate Interest Period” the period beginning on and including April 5, 2012 and ending on but excluding the
first Interest Payment Date and each successive period beginning on and including an Interest Payment Date and ending on but excluding the next Interest Payment Date, until April 15, 2022. 

“Floating Rate” has the meaning specified in Section 2.04(a). 

“Floating Rate Interest Period” the period beginning on and including April 15, 2022 and ending on but excluding
the next Interest Payment Date and each successive period beginning on and including an Interest Payment Date and ending on but excluding the next Interest Payment Date. 
 “Indenture” has the meaning specified in the Recitals. 

“Interest Payment Date” shall have the meaning specified in Section 2.04(b). 

“Interest Period” means a Fixed Rate Interest Period or a Floating Rate Interest Period, as the case may be. 

“LIBOR Determination Date” means, with respect to any Floating Rate Interest Period, the second London Banking Day
immediately preceding the first day of such Floating Rate Interest Period. 
 “London Banking Day” means any
day on which commercial banks are open for general business (including dealings in deposits in U.S. dollars) in London. 

“Make-Whole Redemption Amount” means, with respect to the principal amount of any Debentures to be redeemed, the sum, as
determined by the Premium Calculation Agent, of the present value of (i) the outstanding principal (discounted from April 15, 2022 to but excluding the Redemption Date) and (ii) the remaining scheduled payments of interest that would
have been payable from the Redemption Date to and including April 15, 2022 on the Debentures to be redeemed (not including any portion of such payments of interest accrued and unpaid to but excluding the Redemption Date), discounted from their
respective Interest Payment Dates to but excluding the Redemption Date (assuming a 360-day year consisting of twelve 30-day months) at a discount rate equal to the Treasury Rate (as determined and provided to the Premium Calculation Agent by the
Treasury Dealer) plus a spread of 0.700%. 
 “Maturity Date” has the meaning specified in Section 2.02.

  
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 “NRSRO” means a nationally recognized statistical rating organization
within the meaning of Section 3(a)(62) of the Exchange Act. 
 “Parity Securities” shall have the meaning
specified in Section 3.01(b). 
 “Premium Calculation Agent” means Goldman, Sachs & Co., or, if
that firm is unwilling or unable to calculate the Make-Whole Redemption Amount, an investment banking institution of national standing, appointed by the Company. 
 “Rating Agency Event” means, after the date hereof, a change by any NRSRO in its criteria for awarding equity credit to securities such as the Debentures, which change results in
(i) the shortening of the length of time the Debentures are assigned a particular level of equity credit by that NRSRO as compared to the length of time they would have been assigned that level of equity credit by such NRSRO or its
predecessor on the date hereof or (ii) the lowering of the equity credit (including up to a lesser amount) assigned to the Debentures by that NRSRO as compared to the equity credit that such NRSRO or its predecessor assigned to the
Debentures on the date hereof. 
 “Regular Record Date” means, with respect to an Interest Payment Date, the
January 1, April 1, July 1 or October 1, as the case may be, next preceding such Interest Payment Date, in each case whether or not a Business Day. 

“Reuters Page LIBOR01” means the display so designated on the Reuters 3000 Xtra (or such other page as may replace that
page on that service, or such other service as may be nominated by the Company as the information vendor, for the purpose of displaying rates or prices comparable to the London Interbank Offered rate for U.S. dollar deposits). 

“Securities Registrar” means, with respect to the Debentures, The Bank of New York Mellon Trust Company, N.A., or any
other firm appointed by the Company, acting as securities registrar for the Debentures. 
 “Securities Registrar
Office” means the office of the applicable Securities Registrar at which at any particular time its corporate agency business shall principally be administered, which office at the date hereof in the case of The Bank of New York Mellon
Trust Company, N.A., in its capacity as Securities Registrar under the Indenture, is located at 2 North Lasalle Street, Suite 1020, Global Corporate Trust, Chicago, Illinois 60602. 

“Subsidiary” means, at any time, any Person the shares of stock or other ownership interests of which ordinary have
voting power to elect a majority of the board of directors or other managers of such Person are at the time owned or the management and policies of which are otherwise at the time controlled, directly or indirectly through one or more intermediaries
(including other Subsidiaries) or both, by another Person. 

  
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 “Tax Event” means the receipt by the Company of an opinion of counsel,
rendered by a law firm of nationally recognized standing that is experienced in such matters, stating that, as a result of any: (i) amendment to, or change in, (including any promulgation, enactment, execution or modification of) the
laws (or any regulations under those laws) of the United States or any political subdivision thereof or therein affecting taxation, (ii) official administrative pronouncement (including a private letter ruling, technical advice
memorandum or similar pronouncement) or judicial decision or administrative action or other official pronouncement interpreting or applying the laws or regulations enumerated in clause (i) above, by any court, government agency or regulatory
authority, or (iii) threatened challenge asserted in connection with an audit of the Company or any of its Subsidiaries, or a threatened challenge asserted in writing against any taxpayer that has raised capital through the issuance of
securities that are substantially similar to the Debentures, which amendment or change is enacted or effective or which pronouncement or decision is announced or which challenge is asserted against the Company or becomes publicly known on or after
the date hereof, there is more than an insubstantial increase in the risk that interest accruable or payable by the Company on the Debentures is not, or will not be, deductible by the Company, in whole or in part, for United States federal income
tax purposes. 
 “Third Supplemental Indenture” means this instrument as originally executed or as it may from
time to time be supplemented or amended by one or more agreements supplemental hereto. 
 “Three-Month LIBOR”
means, with respect to any Floating Rate Interest Period, the rate (expressed as a percentage per annum) for deposits in U.S. dollars for a three-month period commencing on the first day of such Floating Rate Interest Period that appears on Reuters
Page LIBOR01 as of 11:00 a.m., London time, on the LIBOR Determination Date for that Floating Rate Interest Period. If such rate does not appear on Reuters Page LIBOR01, Three-Month LIBOR will be determined on the basis of the rates at which
deposits in U.S. dollars for a three-month period commencing on the first day of that Floating Rate Interest Period and in a principal amount of not less than $1,000,000 are offered to prime banks in the London interbank market by four major banks
in the London interbank market selected by the Calculation Agent (after consultation with the Company) at approximately 11:00 a.m., London time, on the LIBOR Determination Date for that Floating Rate Interest Period. The Calculation Agent will
request the principal London office of each of these banks to provide a quotation of such bank’s rate. If at least two such quotations are provided, Three-Month LIBOR with respect to that Floating Rate Interest Period will be the arithmetic
mean (rounded upward if necessary to the nearest whole multiple of 0.00001%) of such quotations. If fewer than two quotations are provided, Three-Month LIBOR with respect to that Floating Rate Interest Period will be the arithmetic mean (rounded
upward if necessary to the nearest whole multiple of 0.00001%) of the rates quoted by three major banks in New York City selected by the Calculation Agent (after consultation with the Company) at approximately 11:00 a.m.,

  
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New York City time, on the first day of that Floating Rate Interest Period for loans in U.S. dollars to leading European banks for a three-month period commencing on the first day of that
Floating Rate Interest Period and in a principal amount of not less than $1,000,000. However, if fewer than three banks selected by the Calculation Agent to provide quotations are quoting as described above, Three-Month LIBOR for that Floating Rate
Interest Period will be the same as Three-Month LIBOR as determined for the previous Floating Rate Interest Period or, in the case of the Floating Rate Interest Period beginning on April 15, 2022, 0.46815%. The establishment of Three-Month
LIBOR for each Floating Rate Interest Period by the Calculation Agent shall (in the absence of manifest error) be final and binding. 
 “Trading Day” means a day on which the Common Stock is traded on the New York Stock Exchange, or if not then listed on the New York Stock Exchange, a day on which the Common Stock is
traded or quoted on the principal U.S. securities exchange on which it is listed or quoted, or if not then listed or quoted on a U.S. securities exchange, a day on which the Common Stock is quoted in the over-the-counter market. 

“Treasury Dealer” means Citigroup Global Markets Inc., Goldman, Sachs & Co., Barclays Capital Inc., Deutsche
Bank Securities Inc., J.P. Morgan Securities LLC or Merrill Lynch, Pierce, Fenner & Smith Incorporated (or their respective successors) or, if each of Citigroup Global Markets Inc., Goldman, Sachs & Co., Barclays Capital Inc.,
Deutsche Bank Securities Inc., J.P. Morgan Securities LLC and Merrill Lynch, Pierce, Fenner & Smith Incorporated (or their respective successors) refuses to act as Treasury Dealer for the purpose of determining the Make-Whole Redemption
Amount or ceases to be a primary U.S. Government securities dealer, another nationally recognized investment banking firm that is a primary U.S. Government securities dealer specified by the Company for these purposes. 

“Treasury Price” means, with respect to a Redemption Date of the Debentures, the bid-side price for the Treasury
Security as of the third Trading Day preceding such Redemption Date, as set forth in the daily statistical release (or any successor release) published by The Wall Street Journal on that Trading Day and designated “Treasury Bonds, Notes
and Bills,” as determined by the Treasury Dealer, except that: (i) if that release (or any successor release) is not published or does not contain that price information on that Trading Day, or (ii) if the Treasury
Dealer determines that the price information is not reasonably reflective of the actual bid-side price of the Treasury Security prevailing at 3:30 p.m., New York City time, on that Trading Day, then “Treasury Price” will instead mean the
bid-side price for the Treasury Security at or around 3:30 p.m., New York City time, on that Trading Day (expressed on a next Trading Day settlement basis) as determined by the Treasury Dealer through such alternative means as the Treasury Dealer
considers to be appropriate under the circumstances. 
 “Treasury Rate” means, with respect to a Redemption
Date of the Debentures, the semi-annual equivalent yield to maturity of the Treasury Security that corresponds to the Treasury Price (calculated by the Treasury Dealer in accordance with standard market practice and computed as of the second Trading
Day preceding such Redemption Date). 

  
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 “Treasury Security” means the United States Treasury security that the
Treasury Dealer determines would be appropriate to use, at the time of determination and in accordance with standard market practice, in pricing the Debentures being redeemed in a tender offer based on a spread to United States Treasury yields.

 ARTICLE 2 
 GENERAL TERMS AND CONDITIONS OF THE DEBENTURES 
 Section 2.01 Designation, Principal Amount and
Authorized Denominations. 
 (a) Designation. Pursuant to Sections 201 and 301 of the Indenture, there is hereby
established a series of Securities of the Company designated as the 7.875% Fixed-To-Floating Rate Junior Subordinated Debentures due 2042 (the “Debentures”), the principal amount of which to be issued shall be in accordance with
Section 2.01(b) hereof and as set forth in any Company Order for the authentication and delivery of Debentures pursuant to the Indenture, and the form and terms of which shall be as set forth hereinafter. 

(b) Principal Amount. Debentures in an initial aggregate principal amount of $600,000,000 shall, upon execution of this Third
Supplemental Indenture, be executed by the Company and delivered to the Trustee or an Authenticating Agent for authentication, and the Trustee or an Authenticating Agent shall thereupon authenticate and deliver said Debentures in accordance with a
Company Order. Additional Debentures may be issued from time to time pursuant to this Third Supplemental Indenture on the same terms and conditions as the Debentures issued under this Third Supplemental Indenture in all respects, except for any
difference in the issue date, issue price and, if applicable, the first payment of interest thereon and the initial interest accrual date. Additional Debentures issued pursuant to this Third Supplemental Indenture will be consolidated with, and will
form a single series with, the previously outstanding Debentures issued pursuant to this Third Supplemental Indenture unless such additional Debentures will not be treated as fungible for U.S. tax purposes with the Debentures issued as of the date
of this Third Supplemental Indenture. Any additional Debentures issued under this Third Supplemental Indenture will rank equally and ratably in right of payment with the Debentures originally issued under this Third Supplemental Indenture.

 (c) Authorized Denominations. The denominations in which Debentures shall be issuable is a minimum of $25 principal amount
and integral multiples of $25 thereafter. 

  
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 Section 2.02 Repayment. 
 The principal of, and all accrued and unpaid interest on, all Outstanding Debentures shall be due and payable on April 15, 2042 or, if such date is not a Business Day, the following Business Day (the
“Maturity Date”). 
 Section 2.03 Form. 
 The Debentures shall be substantially in the form of Exhibit A attached hereto and shall be issued in fully registered definitive form without interest coupons. Principal of and interest on the Debentures
issued in definitive form will be payable, the transfer of such Debentures will be registrable and such Debentures will be exchangeable for Debentures bearing identical terms and provisions and notices and demands to or upon the Company in respect
of the Debentures and the Indenture may be served at the Corporate Trust Office of the Trustee, and the Company appoints the Trustee as its agent for the foregoing purposes, provided that payment of interest may be made at the option of the
Company by check mailed to the Holders at such address as shall appear in the Security Register or by wire transfer in immediately available funds to the bank account number of the Holders specified in writing by the Holders not less than
10 days before the relevant Interest Payment Date and entered in the Security Register by the Securities Registrar. The Debentures may be presented for registration of transfer or exchange at the Securities Registrar Office. The Debentures are
initially solely issuable as Global Securities. The Depository Trust Company is hereby designated as Depositary. Registered Debentures shall be physically transferred to all beneficial owners in definitive form in exchange for their beneficial
interests in a Global Security if the Depositary with respect to such Global Securities notifies the Company that it is unwilling or unable to continue as Depositary for such Global Security or the Depositary ceases to be a clearing agency
registered under the Exchange Act, as the case may be, and a successor Depositary is not appointed by the Company within 90 days of such notice. 
 In addition, beneficial interests in the Global Securities may be exchanged for definitive certificated Debentures upon request by or on behalf of the Depositary in accordance with customary procedures
following the request of a beneficial owner seeking to exercise or enforce its rights under such Debentures in connection with an Event of Default. If the Company determines at any time that the Debentures shall no longer be represented by a Global
Security, the Company shall inform the Depositary of such determination which will, in turn, notify participants of their right to withdraw their beneficial interest from the Global Security. If such participants then elect to withdraw their
beneficial interests, the Company shall issue certificates in definitive form in exchange for such beneficial interests in the Global Security. Any Global Security, or portion thereof, that is exchangeable pursuant to this Section 2.03 shall be
exchangeable for Debenture certificates registered in the names directed by the Depositary. 

  
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 Section 2.04 Rate of Interest; Interest Payment Date. 

(a) Rate of Interest. The Debentures shall bear interest from and including April 5, 2012 to but excluding April 15, 2022 or
earlier Redemption Date of the Debentures, at the rate of 7.875% per annum, payable as set forth in clause (b) below computed on the basis of a 360-day year comprised of twelve 30-day months. Commencing on April 15, 2022, the
Debentures shall bear interest at a floating annual rate, reset quarterly on the first day of each Floating Rate Interest Period by the Calculation Agent, equal to Three-Month LIBOR, determined for each Floating Rate Interest Period as set forth
herein, plus 5.596% (the “Floating Rate”), payable as set forth in clause (b) below. The amount of Floating Rate interest payable on the Debentures for any Floating Rate Interest Period will be computed on the basis of a
360-day year and the actual number of days elapsed in the 360-day year. Interest scheduled for payment but not paid upon any Interest Payment Date, including interest not required to be paid due to deferral under the terms of this Third Supplemental
Indenture, shall bear Additional Interest from the originally scheduled payment date therefor at the rate borne by the Debentures; provided that (i) if a scheduled Interest Payment Date with respect to a Fixed Rate Interest Period
is not a Business Day, interest payable on such Interest Payment Date shall be paid on the next succeeding day that is a Business Day, and no interest will accrue as a result of any such postponement, and (ii) if a scheduled Interest
Payment Date with respect to a Floating Rate Interest Period is not a Business Day, the Interest Payment Date shall be postponed to the next succeeding day that is a Business Day, and interest will continue to accrue during such postponement.
Interest will accrue from and including the last Interest Payment Date in respect of which interest has been paid or duly provided for to but excluding the following Interest Payment Date. 

(b) Interest Payment Dates. Subject to the other provisions hereof, interest on the Debentures shall be payable quarterly in arrears on
January 15, April 15, July 15 and October 15 of each year, commencing on July 15, 2012 (each such date, an “Interest Payment Date”). 
 Section 2.05 Interest Deferral. 
 (a) Option to Defer Interest Payments.

 (i) So long as no Event of Default with respect to the Debentures has occurred and is continuing, the Company
shall have the right on one or more occasions, to defer the payment of interest on the Debentures for one or more Interest Periods up to ten consecutive years, provided that no Deferral Period shall extend beyond the Maturity Date, the
earlier accelerated maturity date of the Debentures or other redemption in full of the Debentures. If the Company shall fail to pay interest on the Debentures on any Interest Payment Date, the Company shall be deemed to elect to defer payment of
such interest on such Interest Payment Date, unless the Company shall pay such interest in full within five 

  
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Business Days after any such Interest Payment Date. If the Company shall have paid all deferred interest (including Additional Interest) on the Debentures, the Company shall have the right to
elect to begin a new Deferral Period pursuant to this Section 2.05. 
 (ii) During a Deferral Period,
interest (including Additional Interest) will continue to accrue on the Debentures at the then applicable interest rate, compounded quarterly, as of each Interest Payment Date to the extent permitted by applicable law. 

(iii) The Company shall pay all deferred interest, including Additional Interest, in accordance with the provisions of
Section 307 of the Indenture applicable to Defaulted Interest. 
 (b) Payment of Deferred Interest. On the Maturity Date or
if the principal amount of the Debentures shall have been accelerated and such acceleration has not been rescinded, the Company shall pay all accrued and unpaid interest, including deferred interest (including Additional Interest), from any
available funds. On any Interest Payment Date the Company may pay any accrued and unpaid interest from any available funds. 

(c) Notice of Deferral. The Company shall provide written notice to the Trustee and the Holders of the Debentures of its election to
commence or continue any Deferral Period at least one Business Day and not more than sixty Business Days prior to the applicable Interest Payment Date. Notice of the Company’s election of a Deferral Period shall be given to the Trustee and each
Holder of Debentures at such Holder’s address appearing in the Security Register by first-class mail, postage prepaid. Notwithstanding the foregoing, the failure of the Company to provide notice in accordance with this Section 2.05(c) of
its election to commence or continue any Deferral Period, including any deemed election as provided in Section 2.05(a)(i), shall not affect the validity of such deferral hereunder. 
 Section 2.06 Events of Default. 
 Solely for purposes of the Debentures,
Section 501 of the Indenture shall be deleted and replaced by the following: 
 Section 501 Events of Default. 

“Event of Default”, wherever used herein with respect to the Debentures, means any one of the following events (whatever
the reason for such Event of Default and whether it shall be voluntary or involuntary or be effected by operation of law or pursuant to any judgment, decree or order of any court or any order, rule or regulation of any administrative or governmental
body): 

  
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 (1) default in the payment of interest in full, including Additional
Interest, on any Debenture for a period of 30 days after the conclusion of a 10-year period following the commencement of any Deferral Period or on the Maturity Date; or 

(2) default in the payment of principal of or premium, if any, on any Debenture on the Maturity Date or upon redemption;
or 
 (3) the entry of a decree or order by a court having jurisdiction in the premises adjudging the Company a
bankrupt or insolvent, or approving as properly filed a petition seeking reorganization, arrangement, adjustment or composition of or in respect of the Company in an involuntary case under any applicable Federal or State bankruptcy, insolvency,
reorganization or other similar law, or appointing a receiver, liquidator, assignee, trustee, sequestrator (or other similar official) of the Company or of any substantial part of its property or ordering the winding up or liquidation of its
affairs, and the continuance of any such decree or order unstayed and in effect for a period of 90 consecutive days; or 
 (4) the institution by the Company of proceedings to be adjudicated a bankrupt or insolvent, or the consent by it to the institution of bankruptcy or insolvency proceedings against it, or the filing by it
of a petition or answer or consent seeking reorganization or relief under any applicable Federal or State bankruptcy, insolvency, reorganization or other similar law, or the consent by it to the filing of any such petition or to the appointment of a
receiver, liquidator, assignee, trustee, sequestrator (or other similar official) of the Company or of any substantial part of its property and such official is not discharged within 60 days, or the making by it of a general assignment for the
benefit of creditors, or the admission by it in writing of its inability to pay its debts generally as they become due. 
 The
Trustee shall have no right or obligation under the Indenture or otherwise to exercise any remedies on behalf of the Holders of the Debentures in connection with any failure by the Company to comply with any covenant or warranty of the Company
contained in the Indenture (other than any covenant referred to in Section 501(1) or (2)), unless the Trustee is directed to exercise such remedies pursuant to and subject to the provisions of Section 512 of the Indenture. In connection
with any such exercise of remedies, the Trustee shall be entitled to the same immunities and protections and remedial rights (other than acceleration) as if such failure to comply were an Event of Default. The Trustee shall not be charged with
knowledge or notice of any such failure to comply unless and until it shall have received the foregoing direction under Section 512 of the Indenture. 

  
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 Section 2.07 Securities Registrar; Paying Agent; Delegation of Trustee Duties. 

(a) The Company appoints The Bank of New York Mellon Trust Company, N.A., as Security Registrar and Paying Agent with respect to the
Debentures. 
 Section 2.08 Subordination. 
 The subordination provisions of Article Twelve of the Indenture shall apply to the Debentures, provided that, for purposes of such Article Twelve, Senior Indebtedness will not include
(a) indebtedness incurred for the purchase of goods, materials or property, or for services obtained in the ordinary course of business or for other liabilities arising in the ordinary course of business (i.e., trade accounts payable),
(b) any indebtedness which by its terms expressly provides that it is not senior to the Debentures, (c) any of the Company’s indebtedness owed to a Person who is a Subsidiary or employee of the Company,
(d) the Income Capital Obligation Notes due 2067 of the Company issuable pursuant to the Junior Subordinated Indenture, dated as of February 12, 2007, between the Company and Wilmington Trust Company (as successor trustee to LaSalle
Bank National Association), as trustee, (e) the 8.125% Fixed-To-Floating Rate Junior Subordinated Debentures due 2068 of the Company issued pursuant to the Indenture, as supplemented by the First Supplemental Indenture, dated as of
June 6, 2008, between the Company and the Trustee, or (f) the 10% Fixed-To-Floating Rate Junior Subordinated Debentures due 2068 of the Company issued pursuant to the Indenture, as supplemented by the Second Supplemental Indenture,
dated as of October 17, 2008, between the Company and the Trustee, and, in each case, the Debentures shall be pari passu with such indebtedness. 
 Section 2.09 Satisfaction and Discharge. 
 The provisions of
Section 401 and Article 13 of the Indenture shall apply to the Debentures. 
 ARTICLE 3 

COVENANTS 
 Section 3.01
Dividend and Other Payment Stoppages. 
 So long as any Debentures remain Outstanding, if the Company shall have given
notice of its election to defer interest payments on the Debentures but the related Deferral Period has not yet commenced or a Deferral Period is continuing, the Company shall not, and shall not permit any Subsidiary of the Company to: 

  
 12 

 (a) declare or pay any dividends or distributions on, or redeem, purchase, acquire or make a
liquidation payment with respect to, any shares of capital stock of the Company other than: 
 (i) any purchase,
redemption or other acquisition of shares of Common Stock in connection with any employment contract, benefit plan or other similar arrangement with or for the benefit of employees, officers, directors or consultants; 

(ii) purchases of shares of Common Stock pursuant to a contractually binding requirement to buy Common Stock entered into
prior to the beginning of such Deferral Period, including under a contractually binding stock repurchase plan; 

(iii) as a result of any exchange, redemption or conversion of any class or series of the Company’s capital stock,
or the capital stock of one of its Subsidiaries, for any class or series of the Company’s capital stock, or of any class or series of the Company’s indebtedness for any class or series of the Company’s capital stock; 

(iv) any purchase of, or payment of cash in lieu of, fractional interests in shares of the Company’s capital stock
in accordance with the conversion or exchange provisions of such capital stock or the security being converted or exchanged; or 
 (v) the redemption or repurchase of rights in accordance with any stockholders’ rights plan; or 
 (b) make any payment of principal of, or interest or premium, if any, on or repay, repurchase or redeem any of the Company’s debt securities or guaranties that rank equally with the Debentures
(“Parity Securities”) or junior to the Debentures other than (i) any payment of current or deferred interest on Parity Securities made pro rata to the amounts due on such Parity Securities (including the Debentures) and any
payments of deferred interest on Parity Securities that, if not made, would cause the Company to breach the terms of the instrument governing such Parity Securities; or (ii) any payment of principal on Parity Securities necessary to avoid a
breach of the instrument governing such Parity Securities. 
 ARTICLE 4 

REDEMPTION OF THE DEBENTURES 

Section 4.01 Redemption. 

  
 13 

 (a) The Debentures shall be redeemable in accordance with Article Eleven of the Indenture,
except to the extent otherwise provided in this Third Supplemental Indenture: 
 (i) in whole at any time or in
part from time to time on or after April 15, 2022; or 
 (ii) in whole, but not in part, at any time prior
to April 15, 2022, within 90 days after the occurrence of a Tax Event or Rating Agency Event; 
 provided that no partial redemption
pursuant to Section 4.01(a)(i) shall be effected (x) unless at least $25 million aggregate principal amount of the Debentures shall remain Outstanding after giving effect to such redemption and (y) if the principal
amount of the Debentures shall have been accelerated and such acceleration has not been rescinded or unless all accrued and unpaid interest, including deferred interest (including Additional Interest), shall have been paid in full on all Outstanding
Debentures for all Interest Periods terminating on or before the Redemption Date. 
 (b) Notwithstanding Section 1102 of
the Indenture, the Debentures shall be subject to partial redemption only in the amount of $25 and integral multiples of $25 thereafter. 

Section 4.02 Redemption Price. 
 The Redemption Price for any redemption pursuant to Section 4.01 will be equal to (1) in the case of any redemption pursuant to Section 4.01(a)(i), 100% of the principal amount of
the Debentures being redeemed, plus accrued and unpaid interest to but excluding the Redemption Date or (2) in the case of any redemption pursuant to Section 4.01(a)(ii), the greater of (i) 100% of the principal amount
of the Debentures being redeemed, and (ii) the Make-Whole Redemption Amount, in each case, plus accrued and unpaid interest to but excluding the Redemption Date. The Company shall give the Trustee prompt notice of the determination of
any Redemption Price provided for in clause (2) of this Section and the Trustee shall have no responsibility for determining such Redemption Price. 
 ARTICLE 5 
 ORIGINAL ISSUE OF DEBENTURES 

Section 5.01 Calculation of Original Issue Discount 
 If during any calendar year any original issue discount shall have accrued on the Debentures, the Company shall file with each Paying Agent (including the Trustee if it is a Paying Agent) by
January 31 of the following calendar year (a) a written notice 

  
 14 

 
specifying the amount of original issue discount (including daily rates and accrual periods) accrued on Outstanding Debentures as of the end of such year and (b) such other specific
information relating to such original issue discount as may then be relevant under the Internal Revenue Code of 1986, as amended from time to time. 
 ARTICLE 6 
 MISCELLANEOUS 
 Section 6.01 Effectiveness. 
 This Third Supplemental Indenture will become
effective upon its execution and delivery. 
 Section 6.02 Effect of Recitals. 

The recitals contained herein and in the Debentures, except the Trustee’s certificates of authentication, shall be taken as the
statements of the Company, and neither the Trustee nor any Authenticating Agent assumes any responsibility for their correctness. The Trustee makes no representations as to the validity or sufficiency of this Third Supplemental Indenture or of the
Debentures. Neither the Trustee nor any Authenticating Agent shall be accountable for the use or application by the Company of the Debentures or the proceeds thereof. 
 Section 6.03 Ratification of Indenture. 
 The Indenture as supplemented by
this Third Supplemental Indenture, is in all respects ratified and confirmed, and this Third Supplemental Indenture shall be deemed part of the Indenture in the manner and to the extent herein and therein provided. 

Section 6.04 Tax Treatment. 
 The Company agrees, and by acceptance of a Debenture or a beneficial interest in a Debenture each Holder of a Debenture and any Person acquiring a beneficial interest in a Debenture agrees, to treat the
Debentures as indebtedness for United States federal income tax purposes. 
 Section 6.05 Governing Law. 

This Third Supplemental Indenture, the Indenture as supplemented hereby and the Debentures shall be governed by and construed in
accordance with the laws of the State of New York. 
 Section 6.06 Severability. 

  
 15 

 In case any provision in this Third Supplemental Indenture, the Indenture as supplemented
hereby or in the Debentures shall be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby. 

* * * 
 This instrument may be
executed in any number of counterparts, each of which so executed shall be deemed to be an original, but all such counterparts shall together constitute but one and the same instrument. 

  
 16 

 IN WITNESS WHEREOF, the parties hereto have caused this Third Supplemental Indenture to be
duly executed as of the day and year first above written. 
  

			
	THE HARTFORD FINANCIAL SERVICES GROUP, INC.
		
	By:	 	/s/ Liam E. McGee
		 	Name: Liam E. McGee
		 	 Title: Chairman, President and Chief Executive
 Officer

	
	THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., as Trustee
		
	By:
	 	/s/ Richard Tarnas
		 	Name: Richard Tarnas
		 	Title: Vice President

  
 17 

 Exhibit A 
 FORM OF DEBENTURE 
 [UNLESS THIS SECURITY IS PRESENTED BY AN AUTHORIZED
REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE COMPANY OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY SECURITY ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN
SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE
OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN. 
 THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF DTC OR A NOMINEE THEREOF. THIS SECURITY MAY NOT BE EXCHANGED IN WHOLE OR IN
PART FOR A SECURITY REGISTERED, AND NO TRANSFER OF THIS SECURITY IN WHOLE OR IN PART MAY BE REGISTERED, IN THE NAME OF ANY PERSON OTHER THAN DTC OR SUCH NOMINEE, EXCEPT IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE.]1 

 
  

	1 	 Insert in Global Securities. 

			
	No.	  	Principal Amount:
	Issue Date:	  	CUSIP:

 THE HARTFORD FINANCIAL SERVICES GROUP, INC. 

7.875% FIXED-TO-FLOATING RATE 
 JUNIOR SUBORDINATED DEBENTURE DUE 2042 
 THE HARTFORD
FINANCIAL SERVICES GROUP, INC., a corporation organized and existing under the laws of Delaware (hereinafter called the “Company”, which term includes any successor corporation under the Indenture hereinafter referred to), for value
received, hereby promises to pay to [Cede &
Co.]2, or registered assigns, the principal sum of
                         Dollars
($                        ), and all accrued and unpaid interest thereon on April 15, 2042 or, if such date is not a
Business Day, the following Business Day (the “Maturity Date”). 
 The Company further promises to pay interest
on said principal sum from and including April 5, 2012, or from and including the most recent Interest Payment Date on which interest has been paid or duly provided for (subject to the Company’s right to defer payment of interest as set
forth herein and in the Indenture), quarterly in arrears on January 15, April 15, July 15 and October 15 of each year, commencing on July 15, 2012 and ending on April 15, 2022, at the rate of 7.875% per
annum, on the basis of a 360-day year consisting of twelve 30-day months, and thereafter to pay interest on said outstanding principal sum quarterly in arrears on January 15, April 15, July 15, and October 15 of each
year, commencing on July 15, 2022, at a floating annual rate equal to Three-Month LIBOR plus 5.596%, computed on the basis of a 360-day year and the actual number of days elapsed in the 360-day year, until the principal hereof is paid or duly
provided for or made available for payment. Interest scheduled for payment but not paid upon any Interest Payment Date, including interest not required to be paid due to the Company having exercised its right to defer payment of interest set forth
herein and in the Indenture, shall bear Additional Interest from the originally scheduled payment date therefor at the rate then applicable to this Security, as provided in the Indenture. 

The interest so payable, and punctually paid or duly provided for, on any Interest Payment Date will, as provided in the Indenture, be
paid to the Person in whose name this Security (or one or more Predecessor Securities) is registered at the close of business on the Regular Record Date for such interest. Any such interest not so punctually paid or duly provided for will forthwith
cease to be payable to the Holder on such Regular Record Date and may either be paid to the Person in whose name this Security (or one or more Predecessor Securities) is registered at the close of business on a Special Record 

 
  

	2 	 Insert in Global Securities. 

  
 A-2

 
Date for the payment of such Defaulted Interest to be fixed by the Trustee, notice whereof shall be given to Holders of Securities of this series not less than 10 days prior to such Special
Record Date, or be paid at any time in any other lawful manner not inconsistent with the requirements of any securities exchange on which the Securities of this series may be listed, and upon such notice as may be required by such exchange, all as
more fully provided in said Indenture. 
 The indebtedness evidenced by this Security is, to the extent provided in the
Indenture, subordinate and subject in right of payment to the prior payment in full of all Senior Indebtedness, and this Security is issued subject to the provisions of the Indenture with respect thereto. Each Holder of this Security by accepting
the same, (a) agrees to and shall be bound by such provisions, (b) authorizes and directs the Trustee on its behalf to take such actions as may be necessary or appropriate to effectuate the subordination so provided and
(c) appoints the Trustee its attorney-in-fact for any and all such purposes. Each Holder hereof, by its acceptance hereof, waives all notice of the acceptance of the subordination provisions contained herein and in the Indenture by each
holder of Senior Indebtedness, whether now outstanding or hereafter incurred, and waives reliance by each such holder upon said provisions. 
 As provided in the Indenture, so long as no Event of Default has occurred and is continuing, the Company shall have the right on one or more occasions, to defer the payment of interest for one or more
Interest Periods up to ten consecutive years, provided that no Deferral Period shall extend beyond the Maturity Date, the earlier accelerated maturity date hereof or other redemption in full hereof. If the Company shall fail to pay interest hereon
on any Interest Payment Date, the Company shall be deemed to elect to defer payment of such interest on such Interest Payment Date, unless the Company shall pay such interest in full within five Business Days after any such Interest Payment Date. If
the Company shall have paid all deferred interest (including Additional Interest) hereon, the Company shall have the right to elect to begin a new Deferral Period as provided in the Indenture. 

Payment of the principal of (and premium, if any) and any interest on this Security will be made at the office or agency of the Company
maintained for that purpose in The City of New York, in such coin or currency of the United States of America as at the time of payment is legal tender for payment of public and private debts; provided, however, that at the option of
the Company payment of interest may be made by check mailed to the address of the Person entitled thereto as such address shall appear in the Security Register. 
 Reference is hereby made to the further provisions of this Security set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place.

  
 A-3

 Unless the certificate of authentication hereon has been executed by the Trustee referred to
on the reverse hereof by manual signature, this Security shall not be entitled to any benefit under the Indenture or be valid or obligatory for any purpose. 
 Any additional Securities issued under the same CUSIP as this Security shall be fungible with this Security for U.S. federal income tax purposes. 

  
 A-4

 IN WITNESS WHEREOF, the Company has caused this instrument to be duly executed. 

Dated: 
  

			
	 THE HARTFORD FINANCIAL
 SERVICES GROUP, INC.

		
	By:	 	 
		 	Name:
		 	Title:

 Certificate of Authentication 

This is one of the Securities referred to in the within-mentioned Indenture. 
 Dated: 
  

			
	 The Bank of New York Mellon Trust
 Company, N.A., as Trustee

		
	By:	 	 
		 	Authorized Signatory

  
 A-5

 REVERSE OF SECURITY 
 This Security is one of a duly authorized issue of securities of the Company (herein called the “Securities”), issued and to be issued in one or more series under a Junior Subordinated
Indenture, dated as of June 6, 2008 (herein called the “Base Indenture”), between the Company and The Bank of New York Mellon Trust Company, N.A., as Trustee (herein called the “Trustee”, which term includes
any successor trustee under the Indenture), as supplemented and amended by the Third Supplemental Indenture, dated as of April 5, 2012, between the Company and the Trustee (the “Third Supplemental Indenture”, and together with
the Base Indenture, the “Indenture”), to which Indenture and all indentures supplemental thereto reference is hereby made for a statement of the respective rights, limitations of rights, duties and immunities thereunder of the
Trustee, the Company and the Holders of the Securities, and of the terms upon which the Securities are, and are to be, authenticated and delivered. The terms of the Securities include those stated in the Indenture, and the Securities are subject to
all such terms. This Security is one of the series designated on the face hereof, initially limited in aggregate principal amount to $600,000,000. 
 All terms used in this Security that are defined in the Indenture shall have the meanings assigned to them in the Indenture. 
 This Security shall be redeemable at the option of the Company in accordance with the terms of the Indenture. In particular, this Security is redeemable: 

(a) in whole at any time or in part from time to time on or after April 15, 2022; or 

(b) in whole, but not in part, at any time prior to April 15, 2022 within 90 days after the occurrence of a Tax Event or Rating
Agency Event; 
 provided that no such partial redemption shall be effected (x) unless at least
$25 million aggregate principal amount of Securities of this series shall remain Outstanding after giving effect to such redemption and (y) if the principal amount of the Securities of this series shall have been accelerated and
such acceleration has not been rescinded or unless all accrued and unpaid interest, including deferred interest (including Additional Interest), shall have been paid in full on all Outstanding Securities of this series for all Interest Periods
terminating on or before the Redemption Date. 
 Notice of redemption shall be mailed at least 30 but not more than 60 days
before the Redemption Date to each Holder of Securities of this series to be redeemed at its registered address. The notice of redemption for such Securities shall state, among other things, the amount of Securities of this series to be redeemed,
the Redemption Date, if not 

  
 A-6

 
then ascertainable, the manner in which the Redemption Price shall be calculated and the place or places that payment shall be made upon presentation and surrender of such Securities to be
redeemed. Unless the Company defaults in the payment of the Redemption Price together with accrued interest, interest will cease to accrue on any Securities of this series that have been called for redemption on the Redemption Date. 

In the event of redemption of this Security in part only, a new Security or Securities of this series for the unredeemed portion hereof
will be issued in the name of the Holder hereof upon the cancellation hereof. 
 Installments of accrued and unpaid interest
whose Stated Maturity is on or prior to the Redemption Date will be payable to the Holders of the Securities of this series, or one or more Predecessor Securities, registered as such at the close of business on the relevant Regular Record Dates
according to their terms. 
 The Indenture contains provisions for satisfaction, discharge and defeasance of the entire
indebtedness on this Security, upon compliance by the Company with certain conditions set forth therein. 
 If an Event of
Default with respect to Securities of this series shall occur and be continuing, the principal of the Securities of this series may be declared due and payable in the manner and with the effect provided in the Indenture. 

The Indenture permits, with certain exceptions as therein provided, the amendment thereof and the modification of the rights and
obligations of the Company and the rights of the Holders of the Securities of each series to be affected under the Indenture at any time by the Company and the Trustee with the consent of the Holders of a majority in principal amount of the
Securities at the time Outstanding of each series to be affected. The Indenture also contains provisions permitting Holders of specified percentages in principal amount of the Securities of each series at the time Outstanding, on behalf of the
Holders of all Securities of such series, to waive compliance by the Company with certain provisions of the Indenture and certain past defaults under the Indenture and their consequences. Any such consent or waiver by the Holder of this Security
shall be conclusive and binding upon such Holder and upon all future Holders of this Security and of any Security issued upon the registration of transfer hereof or in exchange herefor or in lieu hereof, whether or not notation of such consent or
waiver is made upon this Security. 
 No reference herein to the Indenture and no provision of this Security or of the Indenture
shall alter or impair the obligation of the Company, which is absolute and unconditional, to pay the principal of (and premium, if any) and interest on this Security at the times, place and rate, and in the coin or currency, herein prescribed.

  
 A-7

 As provided in the Indenture and subject to certain limitations therein set forth, the
transfer of this Security is registrable in the Security Register, upon surrender of this Security for registration of transfer at the office or agency of the Company in any place where the principal of (and premium, if any) and interest on this
Security are payable duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Company and the Security Registrar duly executed by, the Holder hereof or his attorney duly authorized in writing, and thereupon
one or more new Securities of this series, of authorized denominations and for the same aggregate principal amount, will be issued to the designated transferee or transferees. 
 The Securities of this series are issuable only in registered form without coupons in denominations of $25 and any integral multiples of $25 thereafter. As provided in the Indenture and subject to certain
limitations therein set forth, Securities of this series are exchangeable for a like aggregate principal amount of Securities of this series of a different authorized denomination, as requested by the Holder surrendering the same. 

No service charge shall be made for any such registration of transfer or exchange, but the Company may require payment of a sum
sufficient to cover any tax or other governmental charge payable in connection therewith. 
 The Company, the Trustee and any
agent of the Company or the Trustee may treat the Person in whose name this Security is registered as the owner hereof for all purposes, whether or not this Security be overdue, and neither the Company, the Trustee nor any such agent shall be
affected by notice to the contrary. 
 THIS SECURITY SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE
OF NEW YORK. 

  
 A-8

 ASSIGNMENT 
 FOR VALUE RECEIVED, the undersigned assigns and transfers this Security to: 
  

 
  

 
  

 
 (Insert assignee’s social
security or tax identification number) 
  
  

 
  
 (Insert address and zip code of assignee) 
 agent to transfer this Security on the books of the
Security Registrar. The agent may substitute another to act for him or her. 
  

							
	Dated:	 		 		 	Signature:
				
		 		 		 	 
				
		 		 		 	Signature Guarantee:
				
		 		 		 	 

 (Sign exactly as your name appears on the other side of this Security) 

Signatures must be guaranteed by an “eligible guarantor institution” meeting the requirements of the Securities Registrar,
which requirements include membership or participation in the Security Transfer Agent Medallion Program (“STAMP”) or such other “signature guarantee program” as may be determined by the Securities Registrar in
addition to, or in substitution for, STAMP, all in accordance with the Securities Exchange Act of 1934, as amended. 

  
 A-94.00% Senior Note due 2017

 Exhibit 4.4 
 GLOBAL SECURITY 
 UNLESS THIS SECURITY IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE COMPANY OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY SECURITY ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS
IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY
OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN. 
 THIS SECURITY IS A
GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF DTC OR A NOMINEE THEREOF. THIS SECURITY MAY NOT BE EXCHANGED IN WHOLE OR IN PART FOR A SECURITY REGISTERED, AND NO TRANSFER OF THIS SECURITY
IN WHOLE OR IN PART MAY BE REGISTERED, IN THE NAME OF ANY PERSON OTHER THAN DTC OR SUCH NOMINEE, EXCEPT IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE. 
 THE HARTFORD FINANCIAL SERVICES GROUP, INC. 
 4.000% Senior Note due 2017

  

					
		  		  	CUSIP: 416518 AA6
			
	 No. R-1
	  		  	$325,000,000

 THE HARTFORD FINANCIAL SERVICES GROUP, INC., a corporation organized and existing under the laws of
Delaware (hereinafter called the “Company”, which term includes any successor corporation under the Indenture hereinafter referred to), for value received, hereby promises to pay to Cede & Co., or registered assigns, the principal
sum of THREE HUNDRED TWENTY-FIVE MILLION U.S. Dollars on October 15, 2017 and to pay interest thereon from April 5, 2012 or from the most recent Interest Payment Date to which interest has been paid or duly provided for, semi-annually in
arrears on April 15 and October 15 in each year, commencing October 15, 2012, at the rate of 4.000% per annum, on the basis of a 360-day year consisting of twelve 30-day months, until the principal hereof is paid or duly provided
for or made available for payment, and (to the extent that the payment of such interest shall be legally enforceable) at the rate of 4.000% per annum on any overdue principal and premium and on any overdue installment of interest. 

The interest so payable, and punctually paid or duly provided for, on any Interest Payment Date will, as provided in the Indenture, be
paid to the Person in whose name this Security (or one or more Predecessor Securities) is registered at the close of business on the 

  
 1 

 
Regular Record Date for such interest, which shall be the April 1 or October 1 (whether or not a Business Day), as the case may be, next preceding such Interest Payment Date. Any such
interest not so punctually paid or duly provided for will forthwith cease to be payable to the Holder on such Regular Record Date and may either be paid to the person in whose name this Security (or one or more Predecessor Securities) is registered
at the close of business on a Special Record Date for the payment of such Defaulted Interest to be fixed by the Trustee, notice whereof shall be given to Holders of Securities of this series not less than 10 days prior to such Special Record Date,
or be paid at any time in any other lawful manner not inconsistent with the requirements of any securities exchange on which the Securities of this series may be listed, and upon such notice as may be required by such exchange, all as more fully
provided in said Indenture. 
 Payment of the principal of (and premium, if any) and any interest on this Security will be made
at the office or agency of the Company maintained for that purpose in The City of New York, in such coin or currency of the United States of America as at the time of payment is legal tender for payment of public and private debts; provided,
however, that at the option of the Company payment of interest may be made by check mailed to the address of the Person entitled thereto as such address shall appear in the Security Register. 

Reference is hereby made to the further provisions of this Security set forth on the reverse hereof, which further provisions shall for
all purposes have the same effect as if set forth at this place. 
 Unless the certificate of authentication hereon has been
executed by the Trustee referred to on the reverse hereof by manual signature, this Security shall not be entitled to any benefit under the Indenture or be valid or obligatory for any purpose. 

Any additional Securities issued under the same CUSIP as this Security shall be fungible with this Security for U.S. federal income tax
purposes. 
 IN WITNESS WHEREOF, the Company has caused this instrument to be duly executed as of the date below. 

Dated: April 5, 2012 
  

			
	 THE HARTFORD FINANCIAL
 SERVICES GROUP, INC.

		
	 By:
	 	 /s/ Liam E. McGee

		 	 Name: Liam E. McGee

		 	 Title: Chairman, President and Chief Executive

Officer

  
 2 

 Certificate of Authentication 

This is one of the Securities referred to in the within-mentioned Indenture. 
 Dated: April 5, 2012 
  

			
	 The Bank of New York Mellon Trust
 Company, N.A.,
 as Trustee

		
	 By:
	 	 /s/ Richard Tarnas

		 	 Authorized Signatory

  
 3 

 REVERSE OF SECURITY 
 This Security is one of a duly authorized issue of securities of the Company (herein called the “Securities”), issued and to be issued in one or more series under an Indenture, dated as of
April 11, 2007 as supplemented and amended from time to time (herein called the “Indenture”), between the Company and The Bank of New York Mellon Trust Company, N.A. (formerly known as The Bank of New York Trust Company, N.A.), as
Trustee (herein called the “Trustee”, which term includes any successor trustee under the Indenture), to which Indenture and all indentures supplemental thereto reference is hereby made for a statement of the respective rights, limitations
of rights, duties and immunities thereunder of the Company, the Trustee and the Holders of the Securities and of the terms upon which the Securities are, and are to be, authenticated and delivered. This Security is one of the series designated on
the face hereof, initially limited in aggregate principal amount to $325,000,000. 
 All terms used in this Security that are
defined in the Indenture shall have the meaning assigned to them in the Indenture. 
 The Company shall have the right, at its
option, to redeem this Security, at any time in whole, or from time to time in part, in multiples of $1,000, at a redemption price equal to the greater of: 
 1. 100% of the principal amount of the Securities of this series to be redeemed; or 
 2. the sum of the present values of the remaining scheduled payments of principal and interest on the Securities of this series to be redeemed (exclusive of interest accrued to the Redemption Date)
discounted to the Redemption Date on a semi-annual basis (assuming a 360-day year consisting of twelve 30-day months) at the then current Treasury Rate plus 45 basis points. 
 In each case, the Company shall pay accrued and unpaid interest on the principal amount being redeemed to the Redemption Date. 
 “Comparable Treasury Issue” means the United States Treasury security selected by an Independent Investment Banker as having a maturity comparable to the remaining term (“Remaining
Life”) of the Securities of this series to be redeemed that would be utilized, at the time of selection and in accordance with customary financial practice, in pricing new issues of corporate debt securities of comparable maturity to the
remaining term of such Securities. 
 “Comparable Treasury Price” means, with respect to any Redemption Date,
(1) the average of the Reference Treasury Dealer Quotations for such Redemption Date, after excluding the highest and lowest Reference Treasury Dealer Quotations, or (2) if the Independent Investment Banker obtains fewer than four such
Reference Treasury Dealer Quotations, the average of all such quotations. 
 “Independent Investment Banker” means one
of the Reference Treasury Dealers that the Company appoints to act as the Independent Investment Banker from time to time. 

  
 1 

 “Reference Treasury Dealer” means (1) each of Citigroup Global Markets Inc.,
Goldman, Sachs & Co., Barclays Capital Inc., Deutsche Bank Securities Inc., J.P. Morgan Securities LLC and Merrill Lynch, Pierce, Fenner & Smith Incorporated, and their respective successors, unless any of them ceases to be a
primary U.S. Government securities dealer in New York City (a “Primary Treasury Dealer”), in which case the Company shall substitute another Primary Treasury Dealer and (2) any other Primary Treasury Dealer selected by the Company.

 “Reference Treasury Dealer Quotations” means, with respect to each Reference Treasury Dealer and any Redemption
Date, the average, as determined by the Independent Investment Banker, of the bid and asked prices for the Comparable Treasury Issue (expressed in each case as a percentage of its principal amount) quoted in writing to the Independent Investment
Banker by such Reference Treasury Dealer at 5:00 p.m., New York City time, on the third Business Day preceding such Redemption Date. 
 “Treasury Rate” means, with respect to any Redemption Date, the rate per year equal to: (1) the yield, under the heading which represents the average for the immediately preceding week,
appearing in the most recently published statistical release designated “H.15(519)” or any successor publication which is published weekly by the Board of Governors of the Federal Reserve System and which establishes yields on actively
traded United States Treasury securities adjusted to constant maturity under the caption “Treasury Constant Maturities,” for the maturity corresponding to the Comparable Treasury Issue; provided that, if no maturity is within three months
before or after the Remaining Life of the Securities of this series to be redeemed, yields for the two published maturities most closely corresponding to the Comparable Treasury Issue shall be determined and the Treasury Rate shall be interpolated
or extrapolated from those yields on a straight line basis, rounding to the nearest month; or (2) if such release (or any successor release) is not published during the week preceding the calculation date or does not contain such yields, the
rate per year equal to the semiannual equivalent yield to maturity of the Comparable Treasury Issue, calculated using a price for the Comparable Treasury Issue (expressed as a percentage of its principal amount) equal to the Comparable Treasury
Price for such Redemption Date. The Treasury Rate shall be calculated on the third Business Day preceding the Redemption Date. 

Notice of redemption shall be mailed at least 30 but not more than 60 days before the Redemption Date to each Holder of Securities of
this series to be redeemed at its registered address. The notice of redemption for such Securities shall state, among other things, the amount of Securities of this series to be redeemed (any unredeemed portion of such Securities to be in a minimum
denomination of $2,000), the Redemption Date, the manner in which the redemption price shall be calculated and the place or places that payment shall be made upon presentation and surrender of such Securities to be redeemed. Unless the Company
defaults in the payment of the redemption price together with accrued interest, interest will cease to accrue on any Securities of this series that have been called for redemption on the Redemption Date. The Company shall notify the Trustee of the
redemption price promptly after the calculation thereof and the Trustee shall have no responsibility for such calculation. 
 In
the event of redemption of this Security in part only, a new Security or Securities of this series for the unredeemed portion hereof will be issued in the name of the Holder hereof upon the cancellation hereof. 

  
 2 

 Installments of accrued and unpaid interest whose Stated Maturity is on or prior to the
Redemption Date will be payable to the Holders of the Securities of this series, or one or more Predecessor Securities, registered as such at the close of business on the relevant Regular Record Dates according to their terms. 

The Indenture contains provisions for satisfaction, discharge and defeasance of the entire indebtedness on this Security, upon compliance
by the Company with certain conditions set forth therein. 
 If an Event of Default with respect to Securities of this series
shall occur and be continuing, the principal of the Securities of this series may be declared due and payable in the manner and with the effect provided in the Indenture. 
 The Indenture permits, with certain exceptions as therein provided, the amendment thereof and the modification of the rights and obligations of the Company and the rights of the Holders of the Securities
of each series to be affected under the Indenture at any time by the Company and the Trustee with the consent of the Holders of a majority in principal amount of the Securities at the time Outstanding of each series to be affected. The Indenture
also contains provisions permitting the Holders of specified percentages in principal amount of the Securities of each series at the time Outstanding, on behalf of the Holders of all Securities of such series, to waive compliance by the Company with
certain provisions of the Indenture and certain past defaults under the Indenture and their consequences. Any such consent or waiver by the Holder of this Security shall be conclusive and binding upon such Holder and upon all future Holders of this
Security and of any Security issued upon the registration of transfer hereof or in exchange herefor or in lieu hereof, whether or not notation of such consent or waiver is made upon this Security. 

No reference herein to the Indenture and no provision of this Security or of the Indenture shall alter or impair the obligation of the
Company, which is absolute and unconditional, to pay the principal of (and premium, if any) and interest on this Security at the times, place and rate, and in the coin or currency, herein prescribed. 

As provided in the Indenture and subject to certain limitations therein set forth, the transfer of this Security is registrable in the
Security Register, upon surrender of this Security for registration of transfer at the office or agency of the Company in any place where the principal of (and premium, if any) and interest on this Security are payable, duly endorsed by, or
accompanied by a written instrument of transfer in form satisfactory to the Company and the Security Registrar duly executed by, the Holder hereof or his attorney duly authorized in writing, and thereupon one or more new Securities of this series,
of authorized denominations and for the same aggregate principal amount, will be a issued to the designated transferee or transferees. 
 The Securities of this series are issuable only in registered form without coupons in denominations of $2,000 and integral multiples of $1,000 in excess thereof. As provided in the Indenture and subject
to certain limitations therein set forth, Securities of this series are exchangeable for a like aggregate principal amount of Securities of this series of a different authorized denomination, as requested by the Holder surrendering the same.

  
 3 

 No service charge shall be made for any such registration of transfer or exchange, but the
Company may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. 

The Company, the Trustee and any agent of the Company or the Trustee may treat the Person in whose name this Security is registered as
the owner hereof for all purposes, whether or not this Security be overdue, and neither the Company, the Trustee nor any such agent shall be affected by notice to the contrary. 

THIS SECURITY SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK. 

  
 4 

 ABBREVIATIONS 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written
out in full according to applicable laws or regulations: 
 TEN COM – as tenants in common 

TEN ENT   – as tenants by the entireties 

JT TEN       – as joint tenants with right of survivorship and not as tenants in common

  

											
		 	  UNIF GIFT MIN ACT
	 	—	 	  
	 	Custodian	 	  

		 		 		 	        (Minor)	 		 	(Cust)

Under Uniform Gifts to Minors Act          
                                         
                                         
                                         
                            

                    
                                         
       (State) 
 Additional abbreviations may also be used though not in the
above list. 
  
  

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

 

			
	  
	 	
	 [PLEASE INSERT SOCIAL SECURITY OR OTHER
          IDENTIFYING NUMBER OF ASSIGNEE]
	 	

  
   

 
  
   
  
  

  
  

[PLEASE PRINT OR TYPE NAME AND ADDRESS, INCLUDING ZIP CODE, OF ASSIGNEE] 
 the within Security and all rights thereunder, hereby irrevocably constituting and appointing such person attorney to transfer such Security on the books of the Company, with full power of substitution in
the premises. 

Dated:                        
                                 

NOTICE:         The signature to this assignment must correspond with the name as written upon the face of the
within Security in every particular without alteration or enlargement or any change whatsoever. 

  
 5

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