Tokyo Investor Day

LIFE PLANNER MODEL SUSTAINABLE COMPETITIVE ADVANTAGE DRIVEN BY DISTRIBUTION Providing financial security over customers' lifetime drives our beneficial cycle High Life Planner Productivity Quality Quality Quality People Products Service Quality Referrals High Income Productivity (1) $18,308 AP per LP month 6+ policies per LP month (2) for Life Planner High Policy Persistency (1) Persistency' 95.3% High Customer Satisfaction High Life Planner Retention Superior Returns & Steady Growth Retention (1) 85.4% 1) Data based on 2015 POJ. Annualized new business premiums (AP) produced by each Life Planner in a month; foreign denominated activity translated to U.S. dollars at uniform exchange rate, Japanese yen 106 per U.S. dollar. Productivity represents number of new policies sold per Life Planner per month, including accident and health policies. Retention for Life Planners remaining at end of period hired 12 months earlier, rolling average for 2015. 13 month policy persistency measured based on face amount, 12 month rolling average data for 2015. 2) For each of the five years ended December 31, 2015. Prudential Tokyo Investor Day 9.15.2016 7

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