Investor Presentaiton

LIFE PLANNER - A SELECTIVE, HIGH QUALITY SALES FORCE Selection Process College education Successful track record, but no prior life insurance sales experience Values and beliefs of a trusted advisor ~2 out of 100 candidates hired Training Program Structured training program First month - Dedicated to intensive training Next 55 weeks - Basic training program complemented by on-the-job activity Formal training completed - Continuing on- the-job training Growth Opportunities • Hire more women . • Focus on regional urban areas Prudential Tokyo Investor Day 9.27.2018 • Increase management pipeline 3

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