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Investor Presentaiton

ADAPTING TO CHANGING MARKET IN JAPAN . Market Dynamic . Prudential Response Introduction of new products and repricing Lower interest rates ⚫ Lower statutory mortality rates • Increasing compliance standards . . Growing competition in third-party channels ⚫ Demographic changes . • Shift to U.S. dollar products . Grow retirement solutions . Focus on estate planning . Expand and diversify captive distribution Selective growth in third-party channels • Focus on digital, data, and mobile solutions Prudential Tokyo Investor Day 9.27.2018 12

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