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Tokyo Investor Day

SUCCESSFUL DISTRIBUTION CHANNEL DEVELOPMENT STRATEGIES Annualized New Business Premiums (1) ($ millions) $800 Life Consultants $700 $600 $500 $400 $300 $200 $100 $0 ($ millions) Independent Agency $400 $350 $300 $250 $200 $150 $100 $50 $0 2010 2011 2012 2013 2014 2015 Star Edison acquisition added over 4,000 Independent Agency relationships Independent Agency model rationalized with deeper relationships and fewer agencies 2,643 Independent Agency relationships at May 31, 2016 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 Steady growth through 2010 reflects successful rehabilitation of Kyoei, following April 2001 acquisition Sales jump in 2011 reflects addition of ~7,000 agents from February acquisition of Star / Edison. Subsequent decline reflects sales force rationalization. Integration of Star / Edison substantially complete in 2013 Achieved more efficient operations platform; productivity returned to pre-acquisition levels by 2014(2) • 1) Foreign denominated activity translated to U.S. dollars at uniform exchange rates; Japanese yen 106 per U.S. dollar. 2) Average policies sold per Life Consultant, per month. Prudential Tokyo Investor Day 9.15.2016 11
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