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Your Hosts: Darryl U. Barnes Financial AdvisorZ Retirement Plan Consultant Raymond James Financial Services, Inc. Featuring: Darryl G. Barnes

Speaker Discussing Hartford Leaders variable annuity The Location: Tuesday, April 13, 2004 7:00 pm Rappahannock National Bank 7 Bank Road Washington, Va. 22747Refreshments will be served. Mr. Barnes' subject will be Hartford Leaders, a tax-deferred variable annuity. Hartford Leaders provides access to world-class investment management, customer-focused product design, award-winning service, and brand names you know. To RSVP, please use the attached reply card or call Juliet Coleman at (800) 546-5031 Although the seminar is free, reservations are required. There are specific risks associated with this investment Hartford Leaders is sold by prospectus only. For more complete information on Hartford Leaders, including charges and expenses obtain a prospectus Irom your investment representative or call 800-862-6668 Please read it carefully before you invest or send money Taxable distributions (and certain deemed distributions) are sub|ect to ordinary income tax, and. if made prior to age 59' 2. may also be subject to a 10% federal income tax penalty Early surrender charges may also apply Hartford Leaders' suite of variable annuity products are underwritten and distributed by Hartford Securities Distribution Company. Inc. Variable annuities are issued by Hartford Lite Insurance Company and by Hartford Life and Annuity Insurance Company. Hartford Leaders is a flexible premium variable annuity issued by Hartford Life Insurance Company Simsbury, CT (Countrywide HL-VA03. FL-HL VA03FL NY HL-VA03NY, NC HL-VA03(20P). OR HLVA03(30I and TX HL-VA03TX) and Hartford Life and Annuity Insurance Company Simsbury CT

HLS8102,ld|8/04A VA03 FL LA VA03FL' NC' LA-VA03(20P). OR LA-VA03(30), and TX: LA-VA03TX). ARE NOT INSURED BY FDIC OR ANY FEDERAL GOVERNMENT AGENCY MAY LOSE ARE NOT A DEPOSIT OR OR GUARANTEED VALUE BY ANY BANK OR ANY BANK AFRLIATE

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