Tokyo Investor Day

LIFE CONSULTANT CHANNEL KEY DRIVER - TEACHERS MARKET • Teachers market remains a primary and stable source of business for Gibraltar • Approximately one-quarter of Life Consultant channel new business is derived from this market ⚫ Perennial source of sales through teacher career spans - Protection products to entering and active teachers - Retirement products for lump-sum recipients 2015 Annualized New Business Premiums (1) ■Teachers Market Other Life Consultant Sales 73% 27% 1) Foreign denominated activity translated to U.S. dollars at uniform exchange rates; Japanese yen 106 per U.S. dollar. Prudential Tokyo Investor Day 9.15.2016 8

View entire presentation