Investor Presentaiton

SUSTAINABLE ADVANTAGE DRIVEN BY DISTRIBUTION Life Planners ("LP") providing financial security over customers' lifetime drives our beneficial cycle Productivity ~$16,000 AP per LP per month(1)(3) ~6+ policies per LP per month(2)(3) Quality People Quality Products Quality Service Quality Referrals Superior Returns & Steady Growth Income for LP Policy Persistency(3) 96% Customer Satisfaction Retention (3) 83% 1) Annualized new business premiums (AP) per month for each Prudential of Japan (POJ) Life Planner; foreign denominated activity translated to U.S. dollars at uniform exchange rates (Japanese yen 111 per U.S. dollar). 2) Number of policies sold per POJ Life Planner, per month; includes accident and health policies. 3) Rolling average of 12 months experience as of June 30, 2018. Prudential Tokyo Investor Day 9.27.2018 4

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