Tokyo Investor Day

• SUMMARY Solid earnings base from stable block of high quality business with strong persistency • Successful proprietary distribution concepts adapted from Life Planner model to support protection product emphasis in middle-market across Japan • Broad national distribution coverage with opportunities for growth through long-term steady building of Life Consultant count and increased penetration in chosen agencies • Product strategies and strong asset/liability management mitigate impact of challenging environment Prudential Continued Strong Prospects for Solid Margins, Returns and Growth Tokyo Investor Day 9.15.2016 15

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