Prudential

As part of one of the oldest financial services companies in the United States, Hartford Investment Management has developed a strong results-oriented culture based on delivering superior investment solutions to our clients. It thrives on the firm s ability to harness the insights and experience garnered over several decades to help clients face the challenges of today s financial markets. Hartford Investment Management, with its wholly-owned subsidiary, is entrusted with over $107 billion in assets under management on behalf of institutions, sub-advised mutual funds affiliated and non-affiliated insurance companies. It has more than 80 investment professionals, providing extensive coverage of the global fixed income market. The firm s portfolio managers average 17 years of investment experience; credit analysts average 14 years of investment experience; and traders average 12 years of investment experience. The firm has 60 professionals who have earned the CFA designation or are currently enrolled in the Chartered Financial Analyst program.

Navigators Insurance has earned an A rating from Standard & Poor s. The company is one of the leading policy writers in the marine insurance market throughout the United States and the world. In addition, in order to diversify its revenue stream and risk profile, Navigators Insurance has branched out to other lines of business, such as specialty insurance products. In 2003, Navigators was the eighth-largest ocean marine insurer in the United States. The company is held by the international insurance holding company, Navigators Group. In addition to other specializations, the group primarily specializes in the marine insurance market. The group conducts its operations through five wholly-owned underwriting agencies.

Founded in 1810, The Hartford Financial Services Group is one of the largest investment and insurance companies based in the United States and offices in Japan, Brazil, Ireland, and England. With more than 30,000 employees, it is one of the leading providers of investment products, including annuities, mutual funds, college savings plans, as well as life insurance, group and employee benefits, automobile and homeowners' insurance, and business insurance. Hartford serves customers worldwide, including individuals, institutions and businesses through independent agents and brokers, financial institutions and online. The Hartford Financial Services Group operates more than 11,000 independent agencies and over 100,000 registered brokers and dealers selling its products. Ramani Ayer has been the chief executive officer of Hartford Financial Service for more than nine years. He has been with the insurance company for over 33 years. Ayer is a graduate of the Indian Institute of Technology with a bachelor s degree, and earned his PhD from Drexel University. The Hartford Financial Services Group is headquartered in Hartford, Conn.