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Tokyo Investor Day

HYPOTHETICAL IMPACT OF INTEREST RATES ON EARNINGS ASSUMING RATES STAY AT 6/30/16 LEVELS ($ millions) Estimated Negative Impact of Flat Rates on International Insurance Pre-tax AOI (1) $(45) 2017 $(130) 2018 $(200) 2019 Cumulative annual impact if rates stay at current levels through 2019 is modest, ~(200) million pre-tax 1) Assumes profit drivers including mortality, persistency, expenses, and other assumptions, and mix of investments purchased, consistent with our base projection, with yields unchanged from June 30, 2016. Impact only from pro-forma investment income decline; excludes potential impact of U.S. GAAP unlockings of deferred policy acquisition costs and related items. Prudential Tokyo Investor Day 9.15.2016 Co
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