Senior Management Property & Casualty  Life Executive and  Corporate Officers Ramani Ayer Chairman, President and  Chief Executive Officer Thomas M. Marra Executive Vice President David K. Zwiener Executive Vice President David M. Johnson Executive Vice President  and Chief Financial Officer Neal S. Wolin Executive Vice President  and General Counsel David M. Znamierowski Group Senior Vice President and  Chief Investment Officer Ann M. de Raismes Group Senior Vice President,  Human Resources Ann B. Glover Group Senior Vice President,  Corporate Relations and  Chief Marketing Officer  Robert J. Price Senior Vice President and  Controller David R. Robb Executive Vice President, Heritage Holdings John N. Giamalis Senior Vice President and  Treasurer Joel Freedman Senior Vice President,  Government Affairs William B. Malchodi Senior Vice President and  Director of Taxes Alan J. Kreczko Senior Vice President and Deputy General Counsel Brian S. Becker Senior Vice President and Corporate Secretary David M. Znamierowski President Kevin M. Connor Managing Director Sean E. O’Hara Managing Director Timothy J. Seifert Managing Director PLANCO Financial Services, Inc. Hartford Investment Management Company Thomas M. Marra President and Chief Operating Officer Robert A. Kerzner Executive Vice President,  Individual Life Division John C. Walters Executive Vice President,  Investment Products Division Stephen T. Joyce Senior Vice President,  Institutional Solutions Group David M. Levenson Senior Vice President,  Retail Product Management Group Richard L. Mucci Senior Vice President, Group Benefits Division Lizabeth H. Zlatkus Executive Vice President and Chief Financial Officer Vittorio M. Severino Senior Vice President,  Information Technology Gregory A. Boyko Senior Vice President, International Timothy P. Schiltz President, Hartford Life  Insurance K.K. of Japan Jennifer J. Geisler Senior Vice President, Human Resources Craig R. Raymond Senior Vice President and  Chief Actuary Christine H. Repasy Senior Vice President and  General Counsel Walter C. Welsh Senior Vice President,  Government Affairs and  Corporate Relations David K. Zwiener President and Chief Operating Officer Judith A. Blades Senior Executive Vice President,  Property & Casualty Jonathan R. Bennett Senior Vice President, Personal Lines David H. McElroy Senior Vice President,  Hartford Financial Products Ralph J. Palmieri Senior Vice President,  Specialty Property James M. Ruel Senior Vice President,  Select Customer Gary J. Thompson Senior Vice President,  Middle Market Richard J. Law Senior Vice President,  Field Operations Sharon A. Ritchey Senior Vice President,  Contact Center Operations Joseph Z. Gauches Executive Vice President,  E-Commerce and Technology Calvin Hudson Executive Vice President, Claims Raymond J. Sprague Executive Vice President  Michael J. Dury Senior Vice President and  Chief Financial Officer Peggy M. Anson Senior Vice President, Human Resources Thomas S. Johnston Senior Vice President and  Chief Actuary 2003 Annual Report Thirty-five