Investor Presentaiton

LIFE CONSULTANTS – STABLE PRODUCTIVITY TRENDING HIGHER • Continued focus on maintaining high quality - Productivity has consistently exceeded industry average and has trended higher with proven training programs and adherence to high recruiting and retention standards Policy Count Productivity (1) 3.6 3.7 2013 2014 3.8 2015 3.8 3.9 2016 2017 9,327 Number of Life Consultants 8,805 8,707 8,884 8,326 1) Number of policies sold per life consultant, per month; includes accident and health policies as of December 31st. Prudential Tokyo Investor Day 9.27.2018 6

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