#1PRUDENTIAL Pulse by Prudential HSBC Investor Call Nov 2020 PRUDENTIAL#2Redefining Health From insurer to health partner PRUDENTIAL Significant health gap 80% of Asians don't have insurance cover1 $400bn bn is spent on healthcare alone by consumers² + Significant wellness gap Current Insurance Focus 10% CLINICAL CARE 3 DRIVERS OF HEALTH STATUS 20% GENETICS 2 20% ENVIRONMENT Enabling Asians to live longer, healthier lives % survivors at each age 100 1 50% LIFESTYLE BEHAVIORS 80 60 40 20 Age 20 40 60 80 100...... Future Customer Focus 70% of health drivers are lifestyle and environment related In a world with over five billion mobile phones, 50% of the population lack access to essential health services³ 1. Prudential estimate based on number of in-force policies over total population. 2. Prudential estimate based on WHO and the World Bank data. 3. Source: The Word Bank 2017. pulse by Prudential All-in-one, personalised and on- demand Al-powered app Prevent 2 Postpone 3 Protect Clack Your St ! Risk Factor Identification Health Assessment Health & wellness coaching. Disease diagnosis, treatment & management Nutrition coaching & support Improving medication regimes via coaching Hospital visits, Telemedicine Triage & Symptom diagnosis Value-added products and services 2#3Pandemic accelerates digital & health trends Growing awareness and demand for Health and Wellness 91% Hong Kong consumers would retain life insurance even if financial position is disadvantaged by Covid-191 46% Asian consumers searched for new insurance policies¹ 58% Asian consumers desire access to Value-Added- Services (e.g. virtual GP)1 59% Asian consumers look for more flexible conditions (e.g. added to cover)1 % of Hong Kong consumers willing to retain different types of expenses 73% 68% 59% Eating out 28% 41% 54% 66% Gym membership 47% Education 81% Cable TV/Internet services 86% 31% 57% 56% Life Insurance Premiums 91% 1. Swiss Re COVID-19 Consumer Survey, April 2020. PRUDENTIAL 3#4Pulse by Prudential End-to-end Health and Wellness platform Engage PRUDENTIAL pulse by Prudential Onboard Fulfilment pulse Welcome Fatimah! Hope you are well. Health Check Start by taking a health assessment for your health tips. Check Your Symptoms Understand your better and get careptom recommendations now. Selfie BMI Click a wille and check your BM Check BMI Now > Talk to a Doctor บ Home Health Account O ■ Enable consumers' to take personal control of their health & wellness ■ Broad-based, tailored solutions and services ■ Best of breed health & wealth (products & services) from Prudential and partners " Bite-sized, direct insurance products and other services Gateway to broader Prudential product-suite and leads to agents ■ Instant virtual access to Prudential agents Leverage partners' ecosystems to access large consumer base ☐ Digital, on-demand 24/7 self-service Electronic access to hospital networks, pharmacies and doctors 'e-Wallet' and 'e-Claims' fulfilment#5Pulse by Prudential End-to-end Health and Wellness platform Engage Trusted advisor and navigator - helping individuals achieve their personalised health and wellness goals ■ Al assessment and triage Lifestyle management and wellness Telemedicine consultations and medicine delivery Chronic disease management babylon PRUDENTIAL Health records Hospital navigator Enrich customer 3 offering through data & Al Al learning loops drive ability to enrich customer propositions 1 Drive revenue streams pulse VICTRAC by Prudential doc DOCTORONCALL Fulfilment End-to-end frictionless services In-app wallet for seamless payment Advanced claims experience 24/7 online customer servicing Single app for customers & distributors Engagement through Pulse drives revenue streams through tailored solutions Onboard Broader customer segments, access points and offerings Direct to customer offering of bite-sized cover Customized packages, products and 3rd party service offerings ■ Modular products with subscriptions and fee for service ①DE • Lead generation for Pru agents with virtual face-to-face fulfilment ■ White-labelling on partner platforms to drive data enrichment and create network effect 2 Deliver operating leverage Integrated service platform, modernising customer experience and driving scale efficiency Digital onboarding 's 5 01#6Pulse by Prudential Delivery roadmap in first 15 months (cumulative installs) 12,000,000 10,000,000 8,000,000 08/08/2019 Launch in Malaysia 22/09/2019 Started Al marketing 07/02/2020 Launch in Indonesia campaigns Dual Lang. & Biometric Facial Login & Al Digital Twin Healthcheck & Telemed. ! online Symptom Checker Doctor Consult pulse My Al My Health Clinic Health Content My Wellness Goals & My Wearables Communities 6,000,000 4,000,000 2,000,000 PRUDENTIAL 25/03/2020 Launch in HK & the Philippine Hospital Navigator Dengue Alerts My Family Vaccine Calendar My Rewards Rewards CORS 23/04/2020 Launch in SG Selfie BMI & Wrinkle Index 20/05/2020 Launch in Vietnam Jun 2020 Launch in Thailand 3Q 2020 Taiwan, Myanmar, Laos & Cambodia Oct 2020 PRUShalira launch Oct/Nov 2020 Available in Kenya & Ghana My Meal Planner & Food Journal 06/05/2020 4 million 10/06/2020 5 million 24/02/2020 25/03/2020 2 million 02/01/2020 500,000 1 million 13/04/2020 3 million 3/08/2020 8 million 22/07/2020 7 million 1-11 15/10/2020 10 million 6/11/2020 12 million 26/09/2020 9 million 25/10/2020 11 million Recent releases... My My Exercise Buddy Pulse Leads Employee Flex Prayer Times Policies/ PruShoppe Benefits U Gout Buster Chinese Medicine Assessment 0 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 6#7Pulse by Prudential Gaining strong traction Engage Onboard Fulfilment • • Pulse by Prudential live in 13 markets and 10 languages¹ 25 new digital partnerships secured; 1.2m cumulative usage¹ of Babylon services and Telemedicine • 12 million downloads1 Launched 18 digital products including Dengue fever, Credit Shield, Personal Accident, COVID-19 coverage² • Issued 1.8 million policies, sold direct through Pulse and partners; 1 million new customers acquired through the digital channels² • Partnerships with OVO, The 1, AIS, UOB Mighty, TMRW • PRULeads: converting downloads into leads ⚫ c.855k leads generated for agents from April to September, converting into 70k online to offline sales with APE of $95 million² • Pulse as virtual agency sales tool in the Philippines and Malaysia PRUDENTIAL Broadening customer base Average age of Pulse user by market 1. As of 8 November 2020. 2. As of 3Q2030. Average age of typical Prudential customer 40 -33- 30 30 30 30 25 20 20 VN TH ID MY PH TW Laos SG HK Prudential customer mix² New to Prudential (direct & referral) 70% Existing customers 30% 7#8PRUDENTIAL Redefining Health From insurer to health partner Engage 凸 Onboard ☐ Transforming business to meet growing demand for integrated Health and Wellness products and services Accelerating consumer adoption through Pulse by improving customer access and lowering price thresholds Fulfilment Driving operating leverage through scale and network effects Creating value for all stakeholders 8