FORM 11-K

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

(Mark One)

þ		ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2009

OR

o		TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from                      to                     

Commission file number 001-13958

A. Full title of the Plan and the address of the Plan, if different from that of the issuer named below:

THE HARTFORD INVESTMENT AND SAVINGS PLAN

B. Name of issuer of the securities held pursuant to the Plan and the address of its principal executive office:

THE HARTFORD FINANCIAL SERVICES GROUP, INC.
One Hartford Plaza, Hartford, Connecticut 06155

 

 

The Hartford Investment and Savings Plan
TABLE OF CONTENTS
December 31, 2009 and 2008

		Page No(s).
Report of Independent Registered Public Accounting Firm			F-1
Financial Statements:
Statements of Net Assets Available for Benefits as of December 31, 2009 and 2008			F-2
Statement of Changes in Net Assets Available for Benefits for the Year Ended December 31, 2009			F-3
Notes to Financial Statements as of December 31, 2009 and 2008 and for the year ended December 31, 2009			F-4 – F-13
Supplemental Schedule:
Form 5500, Schedule H, Part IV, Line 4i — Schedule of Assets (Held at End of Year) as of December 31, 2009			F-14 – F-31
Signature			F-32
Exhibits
Exhibit 23.1 - Consent of Independent Registered Public Accounting Firm

All other schedules required by Section 2520.103-10 of the Department of Labor’s Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974 have been omitted because they are not applicable.

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Plan Administrator and Members of
The Hartford Investment and Savings Plan
Hartford, Connecticut

We have audited the accompanying statements of net assets available for benefits of The Hartford Investment and Savings Plan (the “Plan”) as of December 31, 2009 and 2008, and the related statement of changes in net assets available for benefits for the year ended December 31, 2009. These financial statements are the responsibility of the Plan’s management. Our responsibility is to express an opinion on these financial statements based on our audits.

We conducted our audits in accordance with standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. The Plan is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. Our audits included consideration of internal control over financial reporting as a basis for designing audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Plan’s internal control over financial reporting. Accordingly, we express no such opinion. An audit also includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, such financial statements present fairly, in all material respects, the net assets available for benefits of the Plan as of December 31, 2009 and 2008, and the changes in net assets available for benefits for the year ended December 31, 2009 in conformity with accounting principles generally accepted in the United States of America.

Our audits were conducted for the purpose of forming an opinion on the basic 2009 financial statements taken as a whole. The supplemental schedule of assets (held at end of year) as of December 31, 2009 is presented for the purpose of additional analysis and is not a required part of the basic 2009 financial statements, but is supplementary information required by the Department of Labor’s Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974. This schedule is the responsibility of the Plan’s management. Such schedule has been subjected to the auditing procedures applied in our audit of the basic 2009 financial statements and, in our opinion, is fairly stated in all material respects when considered in relation to the basic 2009 financial statements taken as a whole.

DELOITTE & TOUCHE LLP

Hartford, Connecticut
June 28, 2010

EIN# 06-0383750
Plan# 100

THE HARTFORD INVESTMENT AND SAVINGS PLAN

		2009				2008
Assets
Investments, at fair value:
The Hartford Stock Fund, common stock 8,348,519 and 7,802,748 shares at December 31, 2009 and 2008, respectively		$	194,187			$	128,121
The Hartford ISP S&P Index Fund			185,550				149,690
Separately managed account			1,818				—
Mutual funds			1,406,412				992,686
Pooled temporary investments			13,477				23,354
Group annuity contracts			670,763				610,376
Loans receivable from Members			49,448				44,628
Total investments			2,521,655				1,948,855
Dividends and interest receivable			2,463				4,247
Total assets			2,524,118				1,953,102
Liabilities
Administrative expenses payable			701				578
Total liabilities			701				578
Net assets available for benefits at fair value			2,523,417				1,952,524
Adjustment from fair value to contract value for fully benefit-responsive investment contracts			(15,007	)			41,865
Net assets available for benefits		$	2,508,410			$	1,994,389

See Notes to Financial Statements.

EIN# 06-0383750
Plan# 100

THE HARTFORD INVESTMENT AND SAVINGS PLAN

		2009
Investment gain:
Net appreciation in fair value of investments		$	414,292
Dividends			25,465
Interest			3,141
Total investment gain			442,898
Contributions:
Employee contributions			141,944
Employer contributions, net of forfeitures			63,838
Rollover contributions			4,956
Total contributions			210,738
Total additions			653,636
Deductions from net assets attributed to:
Benefits paid to Members			163,766
Administrative expenses			2,552
Total deductions			166,318
Net increase before asset transfers			487,318
Asset transfers due to 2009 Plan merger (Note 10)			26,703
Net increase after asset transfers			514,021
Net assets available for benefits:
Beginning of year			1,994,389
End of year		$	2,508,410

See Notes to Financial Statements.

THE HARTFORD INVESTMENT AND SAVINGS PLAN

Note 1. Description of the Plan

The following description of The Hartford Investment and Savings Plan (the “Plan” or “ISP”) is provided for general information purposes only. Members should refer to the Plan Document for more complete information. “Members” refers to eligible members of the Plan.

The Hartford Financial Services Group, Inc., a Delaware corporation, and its subsidiaries (collectively, “The Hartford” or the “Company”) provide investment products, life insurance, group benefits, automobile and homeowners products, and business and property-casualty insurance to both individual and commercial customers primarily in the United States. The Plan Sponsor, Hartford Fire Insurance Company, is a wholly owned subsidiary of The Hartford.

Information with regard to eligibility, contributions, distributions, vesting, trustees, withdrawals, loans, fund redistribution and definitions of all capitalized terms are contained in the Plan Document. A Summary Plan Description setting forth the highlights of the Plan is available to Members on the Fidelity NetBenefits website. Fidelity serves as the record keeper of the Plan.

Plan Changes

See Note 11 for a general description of amendments made to the Plan Document during the years ended December 31, 2009 and 2008.

General

The Plan is a defined contribution plan covering substantially all full-time and part-time employees of the Company. The Pension Administration Committee of the Company controls and manages the operation and administration of the Plan, subject to certain exemptions that are specified in the Plan. The Plan is subject to the provisions of the Employee Retirement Income Security Act of 1974 (“ERISA”).

The Trust, as defined in the Plan Document, is the aggregate funds held by the Trustee, State Street Bank and Trust Company, under the trust agreement established for the purposes of this Plan.

Contributions

Members may elect to save a percentage of their base salary and may designate their savings as before-tax, Roth 401(k), after-tax or a combination thereof. Generally, savings may be elected based on 1% to 30% of base salary. Members who are highly compensated employees may have contribution limits of less than 30% due to the operation of certain tests required under the Internal Revenue Code of 1986, as amended (the “Code”). Pursuant to the terms of the Plan, highly compensated employees are employees whose prior year earnings were equal to or exceeded $105 and $100 per annum for 2009 and 2008, respectively.

Basic Savings are contributions which are not in excess of the first 6% of a Member’s base salary. For Members who have completed at least six months of service, an amount equal to 50% of a Member’s Basic Savings is matched by the Company (“Matching Company contribution”). Members’ savings in excess of 6% of base salary are Supplemental Savings that are not matched by the Company. In addition, the Company contributes 0.5% of highly compensated eligible employees’ base salary and 1.5% of all other eligible employees’ base salary (“Floor Company contribution”) to each employee’s Floor Company contribution account. An employee becomes eligible for Floor Company contributions after completing six months of service, regardless of whether the employee elects to participate in the Plan.

Administrative Costs

The Trust pays certain administrative expenses of the Plan out of the assets of the Trust. Expenses not paid by the Trust are borne by the Company.

NOTES TO FINANCIAL STATEMENTS (Continued)

Note 1. Description of the Plan (continued)

Member Accounts

Individual accounts are maintained for each Member. Each Member’s account is credited with that Member’s contributions and allocations of (a) the Matching Company contributions and Floor Company contributions and (b) Plan earnings, and is charged with withdrawals and an allocation of administrative expenses and Plan losses. Allocations are based on Member account balances, as defined in the Plan Document. The benefit to which a Member is entitled is the benefit that can be provided from that Member’s vested account balance.

Vesting

Members are 100% vested at all times with respect to employee and Floor Company contributions and earnings thereon. Vesting in Matching Company contributions begins after one year of service at which time Members are 20% vested. The vesting increases 20% each consecutive year until the fifth anniversary of service at which time the Members are 100% vested. Notwithstanding the foregoing statement, a Member becomes fully vested in such Member’s Matching Company contribution account upon retirement (for certain Members), disability, death, reaching age 65, or upon the complete discontinuance of Matching Company contributions or termination of the Plan.

Investment Options

As of December 31, 2009, contributions of Member savings and Company contributions may be invested in any of the twenty-five investment options of the Plan in multiples of 1%, as elected by the Member (“Member directed investments”).

Certain investment options are parties-in-interest with The Hartford. See Notes 3 and 9 for further discussion.

Member Loans

Members may borrow from their accounts a minimum of $0.5 to a maximum equal to the lesser of $50 or 50% of their vested account balances. Loan transactions are treated as transfers between the investment funds and the loan fund. Loan terms range from one to five years, or up to 15 years for the purchase of a primary residence. The loan is secured by the balance in the Member’s account. The interest rate on a loan in a calendar quarter is set on the last business day of the prior February, May, August or November based on the prime rate provided by Reuters on that date plus one percentage point and is fixed for the term of the loan. Principal and interest is paid ratably through payroll deductions.

Payment of Benefits

On termination of service due to death, disability, retirement, or certain other reasons, Members or their designated beneficiaries may elect to receive either a lump sum amount equal to the value of the vested interest in their respective accounts, annual installments over a period not greater than thirty years (subject to certain conditions), or annual installments over the recipient’s life expectancy. Distributions may be paid in cash or, with respect to The Hartford Stock Fund, in stock distributions. Members or their designated beneficiaries may also elect to defer distributions subject to certain conditions.

Forfeitures

At December 31, 2009 and 2008, forfeited non-vested account balances totaled $5 and $227, respectively. These forfeitures are applied to reduce future Matching Company contributions. During the year ended December 31, 2009, Matching Company contributions were reduced by $2,681 from forfeitures.

Note 2. Accounting Policies

Basis of Accounting

The accompanying financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“U.S. GAAP”) and the Department of Labor’s Rules and Regulations for Reporting and Disclosure under ERISA.

NOTES TO FINANCIAL STATEMENTS (Continued)

Note 2. Accounting Policies (continued)

Use of Estimates

The preparation of financial statements in conformity with U.S. GAAP requires management of the Plan to make estimates and assumptions that affect the reported amounts of assets and liabilities and changes therein, and disclosure of contingent assets and liabilities as of the date of the financial statements and the reported amounts of additions and deductions during the reporting period. Actual results could differ from those estimates.

Adoption of New Accounting Standards

In May 2009, the FASB issued ASC 855 (originally issued as FASB Statement No. 165, Subsequent Events) to establish general standards of accounting for and disclosing events that occur after the balance sheet date, but prior to the issuance of financial statements. ASC 855 provides guidance on when financial statements should be adjusted for subsequent events and requires companies to disclose subsequent events and the date through which subsequent events have been evaluated. ASC 855 is effective for periods ending after June 15, 2009.

In 2009, FASB Staff Position 157-4, Disclosures Determining Fair Value When the Volume and Level of Activity for the Asset or Liability Have Significantly Decreased and Identifying Transactions That Are Not Orderly (FSP), was issued and later codified into ASC 820, which expanded disclosures and required that major category for debt and equity securities in the fair value hierarchy table be determined on the basis of the nature and risks of the investments.

Future Adoption of New Accounting Standards

In January 2010, the FASB issued ASU No. 2010-06, Fair Value Measurements and Disclosures (ASU No. 2010-06), which amends ASC 820 (originally issued as FASB Statement No. 157, Fair Value Measurements), adding new disclosure requirements for levels 1 and 2, separate disclosures of purchases, sales, issuances, and settlements relating to level 3 measurements and clarification of existing fair value disclosures. ASU No. 2010-06 is effective for periods beginning after December 15, 2009, except for the requirement to provide level 3 activities of purchases, sales, issuances, and settlements on a gross basis, which will be effective for fiscal years beginning after December 15, 2010. The Plan is currently evaluating the impact ASU No. 2010-06 will have on the financial statements.

Investment Valuation and Income Recognition

The Plan’s investments are stated at fair value. Fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The fair value of the common stock of The Hartford Financial Services Group, Inc. (“HFSG”) is based on quoted market prices. The Hartford ISP S&P Index Fund, separately managed account, mutual funds and pooled temporary investment funds are valued at the net asset value of shares , which represent the fair value of the underlying securities, held by the Plan at year end. The group annuity contracts (the “Stable Value Fund”) include synthetic guaranteed investment contracts (“GICs”) whose underlying securities are stated at fair value. Fair value of the underlying securities in the GICs is determined by the issuer based on the discounted replacement cost methodology, which incorporates the difference between current market level rates for the wrapper contract and the wrapper fee presently being charged. The GICs are stated at fair value and then adjusted to contract value as described in Note 4. Member loans are valued at their outstanding balances, which approximate fair value. Purchases and sales of securities are recorded on a trade-date basis. Interest income is recorded on the accrual basis. Dividends are recorded on the ex-dividend date.

Investment securities, in general, are exposed to various risks, such as interest rate, credit and overall market volatility. Due to the level of risk associated with certain investment securities, it is possible that changes in the values of investment securities may occur in the near term and that such changes could materially affect the amounts reported in the financial statements.

Investment expenses charged to the Plan for investments in the mutual funds are charged directly against the assets of the Fund and are not separately reflected. Consequently, investment expenses are reflected as a reduction of investment return for such investments.

NOTES TO FINANCIAL STATEMENTS (Continued)

Note 2. Accounting Policies (continued)

Payment of Benefits

Benefits paid to Members are recorded when distributed (see Note 8).

Contributions

Employee and employer contributions are recorded in the period during which the Company makes payroll deductions from Members’ compensation.

Note 3. Investments

The following investments represented 5% or more of the fair value of the Plan’s net assets available for benefits at the end of the Plan year:

		December 31,
		2009				2008
* The Hartford Stock Fund, common stock (8,348,519 and 7,802,748 shares at December 31, 2009 and 2008, respectively)		$	194,187			$	128,121
* The Hartford ISP S&P Index Fund			185,550				149,690
Mutual funds:
* Capital Appreciation HLS Fund			303,458				186,458
* MidCap HLS Fund			205,109				145,204
Group annuity contracts:
JPMorgan Chase Bank, Contract #AITTH01			184,424				165,297
Monumental Life Insurance Company #MDA00911TR			**				100,268
Monumental Life Insurance Company #MDA00912TR			146,952				131,854

For the year ended December 31, 2009, the Plan’s investments had net appreciation, including gains and losses on investments bought and sold, as well as held during the year, as follows:

The Hartford Stock Fund, common stock		$	65,171
The Hartford ISP S&P Index Fund			39,234
Separately managed account			544
Group annuity contracts			22,485
Mutual funds			286,858
Net appreciation in fair value of investments		$	414,292

NOTES TO FINANCIAL STATEMENTS (Continued)

Note 4. Investments in Group Annuity Contracts

The Plan has entered into numerous synthetic group annuity contracts with unaffiliated insurance carriers. A synthetic group annuity contract is an investment contract through an issuer’s guarantee of a specific interest rate (the wrapper contract) and a fixed income portfolio of financial instruments that are owned by the Plan. The synthetic GIC contracts include underlying securities which are held in a trust owned by the Plan and utilize a benefit-responsive wrapper contract managed by DB Advisors. The fair value of the benefit-responsive wrapper contracts was $222 at December 31, 2009 and $1,536 at December 31, 2008. The contract provides that participants execute Plan transactions at contract value. These contracts are fully benefit-responsive and are included in the financial statements at fair value (see Note 2). Fully benefit-responsive contracts provide for a stated return on principal invested over a specified period and permit withdrawals at contract value for benefit payments, loans, or transfers. Contract value represents contributions made under the contract, plus earnings, less Plan withdrawals and administrative expenses. Certain events, such as a Plan termination, divestiture or reduction in force may limit the ability of the Plan to transact at contract value or may allow for the termination of the wrapper contract at less than contract value. The Plan Sponsor does not believe that any events that may limit the ability of the Plan to transact at contract value are probable.

The relationship of future crediting rates and the adjustments to contract value reported on the statements of net assets available for benefits are provided through the mechanism of the crediting rate formula. The crediting rate is based on the current yield-to-maturity, the duration of the portfolio, and the amortization of gains and losses, defined as the difference between the market value and contract value of the wrapper. Key factors that could influence future crediting rates include, but are not limited to, Plan cash flows, changes in interest rates, total return performance of the fair market value bond strategies underlying each synthetic GIC contract, default or credit failures of any of the securities, investment contracts, or other investments held in the fund and the initiation of an extended termination of one or more synthetic GIC contracts by the manager or the contract issuer. The rate of return earned on a synthetic GIC is generally reset quarterly by the issuer based on market rates of other similar investments, the current yield of the underlying investments and the spread between the market value and contract value, but the rate can not be less than zero.

The contract issuer is not allowed to terminate any of the synthetic GICs and settle at an amount different from contract value unless there is a breach of the contract which is not corrected within the applicable cure period. Actions that will result in a breach include, but are not limited to, material misrepresentation, failure to pay synthetic GIC fees, or any other payment due under the contract, and failure to adhere to investment guidelines. The Plan has not breached any contracts in 2009.

Average yields:		2009				2008
Based on annualized earnings (1)			3.26	%			6.94	%
Based on interest rate credited to participants (2)			3.61	%			4.52	%

The following table represents the adjustment from fair value to contract value for each of the contracts as of December 31, 2009:

						Major				Investments				Investments				Adjustment from
		Contract				Credit				at Contract				at Fair				Fair Value to
Carrier Name		Number				Ratings				Value				Value				Contract Value
JPMorgan Chase Bank			AITTH01			AA- / Aa1				$	179,157			$	184,424			$	(5,267	)
JPMorgan Chase Bank			AITTH02			AA- / Aa1					48,005				49,813				(1,808	)
Monumental Life Insurance Company			MDA00911TR			AA- / A1					109,450				112,467				(3,017	)
Monumental Life Insurance Company			MDA00912TR			AA- / A1					145,760				146,952				(1,192	)
Natixis Financial Products Inc.		WR1879-01				A+ / Aa3					92,644				93,305				(661	)
Natixis Financial Products Inc.			1879-02			A+ / Aa3					80,740				83,802				(3,062	)
Total										$	655,756			$	670,763			$	(15,007	)

NOTES TO FINANCIAL STATEMENTS (Continued)

Note 4. Investments in Group Annuity Contracts (continued)

The following table represents the adjustment from fair value to contract value for each of the contracts as of
December 31, 2008:

						Major				Investments				Investments				Adjustment from
		Contract				Credit				at Contract				at Fair				Fair Value to
Carrier Name		Number				Ratings				Value				Value				Contract Value
JPMorgan Chase Bank			AITTH01			AA- / Aaa				$	172,109			$	165,297			$	6,812
JPMorgan Chase Bank			AITTH02			AA- / Aaa					45,956				44,558				1,398
Monumental Life Insurance Company			MDA00911TR			AA / Aa3					105,689				100,268				5,421
Monumental Life Insurance Company			MDA00912TR			AA / Aa3					147,802				131,854				15,948
Natixis Financial Products Inc.		WR1879-01				A+ / Aa3					96,872				87,078				9,794
Natixis Financial Products Inc.			1879-02			A+ / Aa3					77,282				75,051				2,231
Natixis Financial Products Inc.		BR-879-25				AAA / Aaa					6,531				6,270				261
Total										$	652,241			$	610,376			$	41,865

Note 5. Fair Value Measurements

The Plan classifies its investments into level 1, which refers to securities valued using quoted prices from active markets for identical assets; level 2, which refers to securities not traded on an active market but for which observable market inputs are readily available; and level 3, which refers to securities valued based on significant unobservable inputs. Assets are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.

The following tables set forth by level within the fair value hierarchy a summary of the Plan’s investments measured at fair value on a recurring basis at December 31, 2009 and 2008.

The tables below include the major categorization for debt and equity securities on the basis of the nature and risk of the investments at December 31, 2009 and 2008.

		Investment Assets at Fair Value as of December 31, 2009
		Quoted Prices				Significant				Significant
		in Active				Observable				Unobservable
		Markets				Inputs				Inputs
		(Level 1)				(Level 2)				(Level 3)				Total
Short Term Investments		$	—			$	86,171			$	—			$	86,171
Loan receivable from Members			—				—				49,448				49,448
Fixed Income Securities:
Group annuity contracts															—
Short Term Investments			—				17,445				—				17,445
Debt Securities including U.S. Government Securities			15,441				619,534				18,343				653,318
Bond Investments			128,737				—				—				128,737
Equity Securities:
Company Stock			194,187				—				—				194,187
Large-Cap Equities			423,477				185,550				—				609,027
Mid-Cap Equities			205,108				—				—				205,108
Small-Cap Equities			113,594				—				—				113,594
International Equities			158,500				—				—				158,500
Vanguard Retirement Funds			306,120				—				—				306,120
Total investments at fair value [1]		$	1,545,164			$	908,700			$	67,791			$	2,521,655

NOTES TO FINANCIAL STATEMENTS (Continued)

Note 5. Fair Value Measurements (continued)

		Investment Assets at Fair Value as of December 31, 2008
		Quoted Prices				Significant				Significant
		in Active				Observable				Unobservable
		Markets				Inputs				Inputs
		(Level 1)				(Level 2)				(Level 3)				Total
Short Term Investments		$	—			$	99,434							$	99,434
Loan receivable from Members			—				—				44,628				44,628
Fixed Income Securities:
Group annuity contracts
Short Term Investments			—				11,592				—				11,592
Debt Securities including U.S. Government Securities			19,705				563,389				15,690				598,784
Bond Investments			92,915				—				—				92,915
Equity Securities:
Company Stock			128,121				—				—				128,121
Large Cap Equities			275,646				149,690				—				425,336
Mid-Cap Equities			145,204				—				—				145,204
Small-Cap Equities			80,355				—				—				80,355
International Equities			133,275				—				—				133,275
Vanguard Retirement Funds			189,211				—				—				189,211
Total investments at fair value [1]		$	1,064,432			$	824,105			$	60,318			$	1,948,855

Total Plan investment assets at fair value classified within level 3 were $67,791 and $60,318, as of December 31, 2009 and 2008, respectively, which consists of the Plan’s Stable Value Fund guaranteed investment contract holdings and loans to members. Such amounts were approximately 3% of “Total investments” on the Plan’s statement of net assets available for benefits at fair value for both December 31, 2009 and December 31, 2008.

Rollforward of Fair Value Measurements Using Significant Unobservable Inputs (Level 3)

The table below sets forth a summary of changes in the fair value of the Plan’s level 3 investments for the year ended December 31, 2009. As reflected in the table below, the net unrealized gain/(loss) on level 3 investment assets was $815 as of December 31, 2009. This was comprised of net unrealized losses of $(2,218) and net unrealized gains of $3,033 on group annuity contracts for the year ended December 31, 2009.

		Level 3 Investment Assets and Investment Liabilities
		Year Ended December 31, 2009
						Group
		Loan Receivable				Annuity
		from Members				Contracts				Total
Balance, beginning of year		$	44,628			$	15,690			$	60,318
Realized losses			—				(2,098	)			(2,098	)
Unrealized gains			—				815				815
Purchases, issuances, and settlements			4,820				4,482				9,302
Transfers in and / or out of level 3			—				(546	)			(546	)
Balance, end of year		$	49,448			$	18,343			$	67,791

The change in unrealized gains included in the statement of changes in net assets available for benefits related to assets still held at the reporting date totaled $159 as of December 31, 2009.

NOTES TO FINANCIAL STATEMENTS (Continued)

Note 5. Fair Value Measurements (continued)

The valuation methods as described in Note 2 may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. Furthermore, although the Plan believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different fair value measurement at the reporting date.

Note 6. Federal Income Tax Status

The Internal Revenue Service has determined and informed the Company by letter dated March 23, 2004 that the Plan and related Trust are designed in accordance with applicable sections of the Internal Revenue Code (IRC). The Plan has been amended since receiving the determination letter. However, the Company and the Plan Administrator believe that the Plan is designed and is currently being operated in compliance with the applicable requirements of the IRC and the Plan and related Trust continue to be tax-exempt. Therefore, no provision for income taxes has been included in the Plan’s financial statements.

Note 7. Plan Termination

Although the Company has not expressed any intent to do so, the Company has the right under the Plan to suspend, reduce, or partially or completely discontinue its contributions at any time and to terminate the Plan, the Trust agreement and the Trust hereunder, subject to the provisions of ERISA. In the event of termination or partial termination of the Plan or complete discontinuance of contributions, the interests of affected Members automatically become fully-vested.

Note 8. Reconciliation of Financial Statements to Form 5500

The following is a reconciliation of net assets available for benefits between the accompanying financial statements and the amounts reflected in Form 5500 as of December 31, 2009 and 2008:

		2009				2008
Net assets available for benefits per accompanying financial statements		$	2,508,410			$	1,994,389
Amounts allocated to withdrawing Members			(7	)			(148	)
Adjustment from contract value to fair value for fully benefit-responsive investment contracts			15,007				(41,865	)
Net assets per Form 5500		$	2,523,410			$	1,952,376

The following is a reconciliation of total investment gain and contributions on the accompanying financial statements and the amount reflected in Form 5500 for the year ended December 31, 2009:

Total investment gain and contributions per accompanying financial statements		$	653,636
Add adjustment from contract value to fair value for fully benefit-responsive investment contracts at beginning of the year			41,865
Deduct adjustment from contract value to fair value for fully benefit-responsive investment contracts at the end of the year			15,007
Total income per Form 5500		$	710,508

NOTES TO FINANCIAL STATEMENTS (Continued)

Note 8. Reconciliation of Financial Statements to Form 5500 (continued)

The following is a reconciliation of benefits paid to Members between the accompanying financial statements and the amount reflected in Form 5500 for the year ended December 31, 2009:

Benefits paid to Members per accompanying financial statements		$	163,766
Add amounts allocated to withdrawing members current year			7
Deduct amounts allocated to withdrawing members prior year			(148	)
Deduct corrective distributions			(14	)
Deduct amounts allocated to deemed loan distributions			(31	)
Benefits paid to Members per Form 5500		$	163,580

Note 9. Party-in-Interest Transactions

Certain plan investments are in funds managed by State Street Bank and Trust Company (the Trustee), certain subsidiaries of the Company and DB Advisors. Fees paid by the Plan for trustee, custodial and investment management services amounted to $853 for the year ended December 31, 2009. Fees paid by the Plan to a subsidiary of the Company pursuant to a group annuity contract issued by a subsidiary amounted to $38 for the year ended December 31, 2009. In addition, certain Plan investments are shares of mutual funds that are sponsored by The Hartford and shares of The Hartford’s common stock. At December 31, 2009 and 2008, the Plan held 8,348,519 shares and 7,802,748 shares of common stock of The Hartford with a cost basis of $281,215 and $296,600, respectively. During the year ended December 31, 2009, the Plan recorded dividend income from The Hartford’s common stock and The Hartford’s mutual funds of $18,463.

Note 10. Plan Merger

Effective January 1, 2009, PLANCO, a subsidiary of the Company, merged its Profit Sharing Plan into the Plan, resulting in the transfer of $25,902 in net assets and $801 in participant loans into the Plan. Assets were converted in-kind for the mutual funds offered in the Plan. Assets not offered in the Plan were liquidated and invested in the corresponding Vanguard Retirement Fund according to the Plan member’s age.

Note 11. Plan Amendments

Effective January 1, 2009, the name of The Hartford Financial Services Group, Inc. Stock Fund was changed to The Hartford Stock Fund.

Effective January 16, 2009, Evercore Wealth Management LLC was named as the fiduciary responsible for The Hartford Stock Fund and investment manager of common stock of the Company held by The Hartford Stock Fund. Evercore Trust Company, N.A. subsequently replaced Evercore Wealth Management LLC as fiduciary for The Hartford Stock Fund, effective June 1, 2009.

Effective March 26, 2009 The Hartford Global Health HLS Fund was no longer available under the Plan. The Hartford Global Health HLS Fund was removed from the Plan in conjunction with the addition, in April 2009, of two new equity investment options, the Columbus Circle Large Cap Growth Fund and the RS Partners Y Fund, a small cap blend fund.

In connection with the above two new fund offerings, the Plan was amended effective March 31, 2009 to allow the investment of Floor contributions in an investment fund designated by the Investment and Savings Plan Investment Committee pending allocation of those Floor contributions to Member accounts.

NOTES TO FINANCIAL STATEMENTS (Continued)

Note 11. Plan Amendments (continued)

Effective November 11, 2009, five new Target Retirement funds were added to the Plan. The funds added were the Vanguard Target Retirement 2010 Fund, the Vanguard Target Retirement 2020 Fund, the Vanguard Target Retirement 2030 Fund, the Vanguard Target Retirement 2040 Fund and the Vanguard Target Retirement 2050 Fund.

Effective January 1, 2008, participants are required to contribute at least 6% of compensation in any combination of before-tax, Roth 401(k) or after-tax contributions prior to the participant making catch-up contributions to the Plan. In addition, the catch-up contributions are limited to 69% of compensation rather than 75%.

Effective August 5, 2008, the Global Technology HLS Fund was removed from the Plan.

Note 12. Subsequent Events

For the year ended December 31, 2009, subsequent events were evaluated through the date the financial statements were issued. There were no subsequent events identified.

EIN# 06-0383750
Plan# 100

THE HARTFORD INVESTMENT AND SAVINGS PLAN SUPPLEMENTAL SCHEDULE

(b) Identity of issue, borrower, lessor,

(c) Description of investment including maturity date, rate of

(e) Current

(a)

or similar party

interest, collateral, par or maturity value

(d) Cost

value

The Hartford Stock Fund

*

The Hartford

The Hartford Stock Fund, common stock (8,348,519 shares)

***

$

194,187

*

State Street Bank and Trust

State Street Cash Fund – STIF

***

1,055

Subtotal Stock Fund

195,242

The Hartford ISP S&P Index Fund

*

The Hartford

Index Fund, Fund #NCD5

***

185,550

Subtotal Index Fund

185,550

Separately managed account

Columbus Circle

Columbus Circle Large Cap Growth Fund, Fund #NMB2

***

1,818

*

State Street Bank and Trust

State Street Cash Fund – STIF

***

16

Subtotal Separate Account

1,834

Mutual Funds:

Total Return Bond HLS Fund

*

The Hartford

Hartford Series Fund, Inc. Bond HLS Fund, Class IA shares, Fund #NCC3

***

84,207

Money Market HLS Fund

*

The Hartford

Hartford Series Fund, Inc. Money Market HLS Fund, Class IA shares, Fund #NCD1

***

72,694

Dividend and Growth HLS Fund

*

The Hartford

Hartford Series Fund, Inc. Dividend and Growth HLS Fund, Class IA shares, Fund #NCD4

***

118,201

International Opportunities HLS Fund

*

The Hartford

Hartford Series Fund, Inc. International Opportunities HLS Fund, Class IA shares, Fund #NCC6

***

119,416

Capital Appreciation HLS Fund

*

The Hartford

Hartford Series Fund, Inc. Capital Appreciation HLS Fund, Class IA shares, Fund #NCD3

***

303,458

Small Company HLS Fund

*

The Hartford

Hartford Series Fund, Inc. Small Company HLS Fund, Class IA shares, Fund #NCC1

***

111,095

MidCap HLS Fund

*

The Hartford

Hartford Series Fund, Inc. MidCap HLS Fund, Class IA shares, Fund #NCC2

***

205,109

High Yield HLS Fund

*

The Hartford

Hartford Series Fund, Inc. High Yield HLS Fund, Class IA shares, Fund #NCC4

***

44,530

Global Growth HLS Fund

*

The Hartford

Hartford Series Fund, Inc. Global Growth HLS Fund, Class IA shares, Fund #NCC7

***

39,084

EIN# 06-0383750
Plan# 100

THE HARTFORD INVESTMENT AND SAVINGS PLAN SUPPLEMENTAL SCHEDULE
FORM 5500, SCHEDULE H, PART IV, LINE 4i — SCHEDULE OF ASSETS (HELD AT END OF YEAR)
AS OF DECEMBER 31, 2009
($ IN THOUSANDS, except for par value)

(b) Identity of issue, borrower, lessor,

(c) Description of investment including maturity date, rate of

(e) Current

(a)

or similar party

interest, collateral, par or maturity value

(d) Cost

value

Target Retirement Income Fund

Vanguard

Vanguard Target Retirement Income Fund, Fund #NMA4

***

$

11,945

Target Retirement 2005 Fund

Vanguard

Vanguard Target Retirement 2005 Fund, Fund #NMA5

***

14,007

Target Retirement 2010 Fund

Vanguard

Vanguard Target Retirement 2010 Fund, Fund #NMB3

***

560

Target Retirement 2015 Fund

Vanguard

Vanguard Target Retirement 2015 Fund, Fund #NMA6

***

77,800

Target Retirement 2020 Fund

Vanguard

Vanguard Target Retirement 2020 Fund, Fund #NMB4

***

262

Target Retirement 2025 Fund

Vanguard

Vanguard Target Retirement 2025 Fund, Fund #NMA7

***

97,480

Target Retirement 2030 Fund

Vanguard

Vanguard Target Retirement 2030 Fund, Fund #NMB5

***

227

Target Retirement 2035 Fund

Vanguard

Vanguard Target Retirement 2035 Fund, Fund #NMA8

***

66,104

Target Retirement 2040 Fund

Vanguard

Vanguard Target Retirement 2040 Fund, Fund #NMB6

***

254

Target Retirement 2045 Fund

Vanguard

Vanguard Target Retirement 2045 Fund, Fund #NMA9

***

37,260

Target Retirement 2050 Fund

Vanguard

Vanguard Target Retirement 2050 Fund, Fund #NMB7

***

220

RS Partners Y Fund

RS Partners

RS Partners Y Fund, Fund # NMB1

***

2,499

Subtotal Mutual Funds

1,406,412

EIN# 06-0383750
Plan# 100

THE HARTFORD INVESTMENT AND SAVINGS PLAN SUPPLEMENTAL SCHEDULE
FORM 5500, SCHEDULE H, PART IV, LINE 4i — SCHEDULE OF ASSETS (HELD AT END OF YEAR)
AS OF DECEMBER 31, 2009
($ IN THOUSANDS, except for par value)

						(c) Description of investment including
						maturity date, rate of interest,																(e) Current
(a)				(b) Identity of issue, borrower, lessor, or similar party		collateral, par or maturity value												(d) Cost				value
				Stable Value Fund
	*			DB Advisors		Stable Value Fund, Fund #NCD6, including the following group annuity contracts:
				Natixis Financial Products Inc.		Group Annuity Contract #1879-02, 4.65% **													***			$	83,802
				Monumental Life Insurance Company		Group Annuity Contract #MDA00911TR, 4.30% **													***				112,358
				JPMorgan Chase Bank		Group Annuity Contract #AITTH01, 4.39% **													***				184,424
				JPMorgan Chase Bank		Group Annuity Contract #AITTH02, 4.65% **													***				49,813
						Interest
				Shared Holdings (aa)		rate				Maturity				Par Value
				ARMY HAWAII FAMILY HSG I C TR SER 2005 IC TR CTF 144A			5.524	%			6/15/2050				250,000				***				185
				BEAR STEARNS 2007 HE4 ASSET BKD CTF CL M 4			1.336	%			5/25/2037				485,000				***				6
				C BASS 2007 CB4 TR MTG PTH CTF CL A2D			5.863	%			4/25/2037				440,000				***				239
				CT CDO III LTD COLL DEBT OBLIG SR NT CL A 2			5.160	%			6/25/2035				950,000				***				895
				NATIONSTAR NIM LTD 2007 AN NET MARGINNT CL A 144			9.970	%			3/25/2037				8,803				***				9
				RASC SER 2004 KS1 TR HOME EQUITY MTG CL M I 2			5.072	%			2/25/2034				281,062				***				107
				CONTINENTAL AIRLS PASS THRU TR			7.918	%			5/1/2010				600,000				***				601
				FNMA POOL 357779			6.000	%			7/1/2035				1,331,937				***				1,418
				FNMA POOL MA0072			4.000	%			5/1/2029				11,225,650				***				11,100
				BAYVIEW FINL MTG PASS THRU TR A MTG PASSTHRU CTF CL B1			3.234	%			5/28/2037				500,000				***				6
				RESIDENTIAL ASSET MTG PRODS IN 2003 RZ4 ASSET BKD CTF CL A 5			4.660	%			2/25/2032				81,776				***				80
				STRUCTURED ASSET SECS CORP 2005 2 LEHMAN BROS SML 144A 2A			5.520	%			9/25/2030				468,312				***				315
				GOVERNMENT STIF 18			0.011	%			N/A				11,944,263				***				11,958
				ALLYA 2009 B A3 10/13 FIXED 1.98 144A			1.980	%			10/15/2013				1,080,000				***				1,075
				BNSF RY CO PASS THRU TR PASSTHRU CTF SER 2005 3 144A			4.830	%			1/15/2023				642,209				***				673
				COMM 2004 1 2004 LNB2 COML MTG PTHRU CL A4			4.715	%			3/10/2039				895,000				***				877
				GREENWICH CAPITAL COMM FND 2007 GG9 CL A4			5.444	%			3/10/2039				1,065,000				***				942
				GMACM HOME EQUITY LN TR 2003 HE2 LN BKD NT CL A 4			5.120	%			4/25/2033				346,661				***				109
				GMACM HOME EQUITY LN TR SER 2003 HE2 LN BKD NT CL A 5			4.090	%			4/25/2033				466,175				***				341
				GREAT RIV ENERGY 1ST MTG SER 2007A 144A			5.829	%			7/1/2017				889,472				***				969
				MARLIN LEASING RECEIVABLES X SER 2006 NT CL A4 144A			5.340	%			9/16/2013				509,713				***				513
				SMALL BUSINESS ADMIN DEB SER 2002 20 A			6.140	%			1/1/2022				1,271,322				***				1,366
				SMALL BUSINESS ADMIN 2005 10F PARTN CTF			5.200	%			11/1/2015				1,061,461				***				1,118
				SMALL BUSINESS ADMIN GTD DEV 2006 10E PARTN CTF CL1			5.370	%			9/1/2016				1,026,384				***				1,089
				SMALL BUSINESS ADMIN 2007 10C PARTN CTF CL1			5.110	%			5/1/2017				702,827				***				745
				CALIFORNIA ST CAS 04/14 FIXED 5.25			5.250	%			4/1/2014				770,000				***				781
				BRAZIL FEDERATIVE REP GLOBAL BD			6.000	%			1/17/2017				575,000				***				622

EIN# 06-0383750
Plan# 100

THE HARTFORD INVESTMENT AND SAVINGS PLAN SUPPLEMENTAL SCHEDULE
FORM 5500, SCHEDULE H, PART IV, LINE 4i — SCHEDULE OF ASSETS (HELD AT END OF YEAR)
AS OF DECEMBER 31, 2009
($ IN THOUSANDS, except for par value)

						(c) Description of investment including
						maturity date, rate of interest,																(e) Current
(a)				(b) Identity of issue, borrower, lessor, or similar party		collateral, par or maturity value												(d) Cost				value
						Interest
				Shared Holdings (aa)		rate				Maturity				Par Value
				BRAZIL FEDERATIVE REP GLOBAL BD			5.875	%			1/15/2019				300,000				***			$	320
				FANNIE MAE 09/14 FIXED 3			3.000	%			9/29/2014				1,700,000				***				1,692
				HUNGARY REP NT			4.750	%			2/3/2015				637,000				***				632
				ONTARIO PROV CDA 06/14 FIXED 4.1			4.100	%			6/16/2014				1,095,000				***				1,144
				STATE OF QATAR 1/15 FIXED 4			4.000	%			1/20/2015				1,330,000				***				1,335
				UNITED MEXICAN STS TRANCHE TR 00021			5.950	%			3/19/2019				784,000				***				830
				UNITED STATES TREAS BDS 5 1/4 02/15/29			5.250	%			2/15/2029				7,509,000				***				8,145
				UNITED STATES TREAS BDS 08/39 FIXED 4.5			4.500	%			8/15/2039				1,310,000				***				1,282
				UNITED STATES TREAS NTS 17/08/15 4.750			4.750	%			8/15/2017				2,544,000				***				2,764
				UNITED STATES TREAS NTS 03/10 FIXED 1.75			1.750	%			3/31/2010				258,000				***				259
				UNITED STATES TREAS NTS			2.125	%			4/30/2010				11,725,000				***				11,814
				UNITED STATES TREAS NTS 09/10 FIXED 2			2.000	%			9/30/2010				2,245,000				***				2,274
				UNITED STATES TREAS NTS 10/10 FIXED 1.5			1.500	%			10/31/2010				1,935,000				***				1,954
				US TREASURY N/B			1.250	%			11/30/2010				791,000				***				797
				UNITED STATES TREAS NTS 02/11 FIXED 0.875			0.875	%			2/28/2011				299,000				***				300
				US TREASURY SEC. 04/11 FIXED .875PCT			0.875	%			4/30/2011				3,978,000				***				3,988
				WI TREASURY SEC 05/11 FIXED 0..875			0.875	%			5/31/2011				2,216,000				***				2,221
				US TREASURY N/B 08/19 FIXED 3.625			3.625	%			8/15/2019				6,712,000				***				6,606
				US TREASURY N/B 10/12 FIXED 1.375			1.375	%			10/15/2012				89,000				***				89
				WI TREASURY N/B 10/11 FIXED 1.000			1.000	%			10/31/2011				9,964,000				***				9,966
				US TREASURY N/B 08/11 VAR			1.000	%			8/31/2011				8,890,000				***				8,904
				GNMA II POOL 003624			5.500	%			10/20/2034				660,455				***				696
				GNMA POOL 602552			5.000	%			3/15/2036				891,197				***				920
				GNMA POOL 569327			6.500	%			4/15/2032				557,603				***				601
				GNMA POOL 580880			6.500	%			11/15/2031				38,849				***				42
				GNMA POOL 583958			6.500	%			6/15/2032				98,089				***				106
				GNMA POOL 434787			8.000	%			5/15/2030				13,032				***				15
				GNMA POOL 434429			6.500	%			6/15/2014				3,472				***				4
				GNMA POOL 434476			6.000	%			8/15/2014				35,545				***				38
				GNMA POOL 485856			6.500	%			10/15/2031				82,074				***				89
				GNMA POOL 726316			5.000	%			9/15/2039				2,042,061				***				2,106
				GNMA POOL 487166			6.000	%			5/15/2014				19,204				***				21
				GNMA POOL 488737			6.000	%			4/15/2014				2,163				***				2
				GNMA POOL 496511			6.000	%			2/15/2014				970				***				1
				GNMA POOL 499306			6.000	%			8/15/2014				36,556				***				39
				GNMA POOL 499281			6.500	%			6/15/2014				3,123				***				3
				GNMA POOL 499406			6.000	%			3/15/2014				73,267				***				79
				GNMA POOL 500796			8.000	%			7/15/2030				16,437				***				19
				GNMA POOL 500932			6.000	%			6/15/2014				2,062				***				2
				GNMA POOL 508857			6.000	%			9/15/2014				3,707				***				4
				GNMA POOL 510279			6.000	%			8/15/2014				24,787				***				27
				GNMA POOL 510403			5.000	%			1/15/2035				256,851				***				266

THE HARTFORD INVESTMENT AND SAVINGS PLAN SUPPLEMENTAL SCHEDULE
FORM 5500, SCHEDULE H, PART IV, LINE 4i — SCHEDULE OF ASSETS (HELD AT END OF YEAR)
AS OF DECEMBER 31, 2009
($ IN THOUSANDS, except for par value)

						(c) Description of investment including
						maturity date, rate of interest,																(e) Current
(a)				(b) Identity of issue, borrower, lessor, or similar party		collateral, par or maturity value												(d) Cost				value
						Interest
				Shared Holdings (aa)		rate				Maturity				Par Value
				GNMA POOL 510844			8.000	%			12/15/2029				1,292				***			$	1
				GNMA POOL 513731			6.500	%			7/15/2014				2,137				***				2
				GNMA POOL 515804			8.000	%			6/15/2030				3,523				***				4
				GNMA POOL 518044			8.000	%			12/15/2029				4,316				***				5
				GNMA POOL 521708			8.000	%			12/15/2029				467				***				1
				GNMA POOL 526364			8.000	%			7/15/2030				5,096				***				6
				GNMA POOL 533008			8.000	%			7/15/2030				3,825				***				4
				GNMA POOL 533946			6.500	%			4/15/2032				19,026				***				21
				GNMA POOL 550887			5.000	%			8/15/2035				385,284				***				399
				GNMA POOL 551678			6.500	%			10/15/2031				18,030				***				19
				GNMA POOL 551077			6.500	%			11/15/2031				32,145				***				35
				GNMA POOL 551120			6.500	%			8/15/2031				191,716				***				207
				GNMA POOL 552571			6.500	%			5/15/2032				124,433				***				134
				GNMA POOL 271940			5.500	%			8/15/2018				388,139				***				414
				GNMA POOL 780762			6.500	%			4/15/2013				64,017				***				68
				GNMA POOL 781410			5.500	%			3/15/2017				449,592				***				481
				GNMA POOL 782405			5.500	%			9/15/2038				1,932,603				***				2,030
				GNMA POOL 622278			5.000	%			4/15/2035				308,022				***				319
				GNMA POOL 631242			5.500	%			6/15/2035				946,324				***				1,000
				GNMA POOL 641601			5.000	%			3/15/2035				340,756				***				353
				GNMA POOL 646865			5.000	%			8/15/2035				197,585				***				204
				GNMA POOL 692749			6.000	%			8/15/2039				1,998,132				***				2,116
				FNMA TBA JAN 30 SINGLE FAM			5.500	%			N/A				2,030,000				***				2,127
				FNMA TBA JAN 30 SINGLE FAM			6.000	%			N/A				2,010,000				***				2,131
				FNMA POOL 253880			6.500	%			7/1/2016				168,644				***				183
				FNMA POOL 254510			5.000	%			11/1/2017				196,239				***				207
				FNMA POOL 357821			6.000	%			7/1/2035				3,388,819				***				3,610
				FNMA POOL 385552			4.850	%			12/1/2012				1,157,882				***				1,223
				FNMA POOL 514135			6.000	%			7/1/2014				74,607				***				80
				FNMA POOL 532577			7.000	%			7/1/2015				125,225				***				136
				FNMA POOL 535675			7.000	%			1/1/2016				328,796				***				357
				FNMA POOL 535740			7.000	%			12/1/2015				45,922				***				50
				FNMA POOL 555417			6.000	%			5/1/2033				751,336				***				805
				FNMA POOL 555531			5.500	%			6/1/2033				399,047				***				420
				FNMA POOL 555545			5.000	%			6/1/2018				961,974				***				1,015
				FNMA POOL 555591			5.500	%			7/1/2033				1,144,497				***				1,204
				FNMA POOL 574924			7.000	%			4/1/2016				47,363				***				51
				FNMA POOL 611020			6.500	%			1/1/2017				146,205				***				159
				FNMA POOL 651377			6.000	%			7/1/2017				432,978				***				465
				FNMA POOL 712104			5.000	%			5/1/2018				1,579,098				***				1,666
				FNMA POOL 712637			5.000	%			6/1/2018				79,881				***				84
				FNMA POOL 725704			6.000	%			8/1/2034				597,077				***				638
				FNMA POOL 730716			6.000	%			8/1/2033				432,542				***				463
				FNMA POOL 734059			5.500	%			8/1/2033				117,304				***				123
				FNMA POOL 735457			4.847	%			4/1/2035				355,793				***				372
				FNMA POOL 739610			5.500	%			9/1/2033				1,822,533				***				1,918