1. May 2010 Alameda County Deferred Compensation Plan INST-20081201-A023892RS.PP.080 Edition 6/2007Updated 12/2008 Enrollment: Alameda County Deferred Compensation Plan

2. How Prudential Can Help Ranked #84in the Fortune 500 List of America’s Largest Corporations # 84 $668 billion in assets under management as of December 31, 2009 668 Helping people achieve financial security for over 135 years 135 Yrs. Serving over 3.6 million participants and annuitants 3.6 Mil. Why Prudential All data as of December 31, 2009

3. Stability Income Growth High Risk/ High Potential Return Low Risk/ Low Potential Return Stable Value Fixed- Income Large- Cap Stock Mid-Cap Stock Small- Cap Stock Global/ International Stock Balanced R E T U R N R I S K Investment Categories

4. This example is for illustrative purposes only and is not intended to represent the performance of any specific investment. For information about the funds offered in your plan, please refer to the Fund Fact Sheets. Indexes are unmanaged; invesments cannot be made directly to an index. Market risk Market Risk

5. Stable Value Stable Value Fund Fixed Income Prudential MoneyMart Assets Delaware Diversified Income Fund Oppenheimer Strategic Income Fund Medley Diversified Bond Account (VCA-24) Medley Government Income Account (VCA-24) Balanced American Funds American Balanced R3 Investments

6. Large-Cap Allianz NFJ Dividend Value A American Funds Fundamental Invs R3 Davis NY Venture Fund A Prudential Stock Index Fund I American Funds Growth Fund of America R3 Franklin Flex Cap Growth Fund Prudential Jennison Growth Fund Z Medley Capital Growth Account (VCA-10) Medley Equity Account (VC-24) Investments

7. Mid-Cap Goldman Sachs Mid Cap Value Fund A Lord Abbett Mid Cap Value Fund Ariel Appreciation Fund Prudential Jennison Mid Cap Growth Fund Z Small-Cap Delaware Small Cap Value Fund A Prudential Jennison Small Company Fund Investments

8. Global / International Templeton World Fund AllianceBernstein Global Thematic Growth A American Funds EuroPacific Growth Fund R3 Mutual European Fund Templeton Developing Markets Trust Other BlackRock Health Sciences Portfolio Investments

9. Fund Fact Sheet User’s Guide

10.  Optional asset allocation program adopted by your employer  Helps target the investment options best suited to your retirement goal  Uses investment options offered by your retirement program  12 diversified portfolios, based on various risk tolerances and time horizons Application of asset allocation and diversification concepts does not ensure safety of principal and interest. It is possible to lose money by investing in securities. What is GoalMaker?

11. GoalMaker Investor Type

12. The asset allocation models are provided as samples and not as investment recommendations. The model portfolios are based on generally accepted investment practices and take into account the principles of modern portfolio theory, in which allocations are adjusted in an effort to achieve maximum returns for a given level of risk. You may want to consider other assets, income, and investments you may have before applying these models to your individual situation. Consult the prospectus for information about how the portfolio manager invests the assets of any particular investment option. Proposed allocations assume a retirement withdrawal period of 15 years. Past performance of investments or asset classes does not guarantee future results. Your Asset Allocation

13. Application of asset allocation and diversification concepts does not ensure safety of principal and interest. It is possible to lose money by investing in securities. The GoalMaker portfolios are subject to change including, for example, the replacement of investment options and allocations within the portfolios. You will be notified in writing in advance of such changes. GoalMaker Portfolios

14. Application of asset allocation and diversification concepts does not ensure safety of principal and interest. It is possible to lose money by investing in securities. GoalMaker Automatic Rebalancing Original portfolio Changes due to market fluctuation

15. His Investor Profile  Conservative Investor  16+ Years to Retirement Paul Age: 25/Just out of school Application of asset allocation and diversification concepts does not ensure safety of principal and interest. It is possible to lose money by investing in securities. GoalMaker – Age Adjustment

16. His Investor Profile  Still a Conservative Investor  15 Years to Retirement Paul Age: 50/Thinking about retirement Application of asset allocation and diversification concepts does not ensure safety of principal and interest. It is possible to lose money by investing in securities. GoalMaker – Age Adjustment

17. Optional Exercise GoalMaker Investor Type

18.  The biggest misconception about retirement is that it is purely a function of age  Only 18% of the current workforce is very confident about having enough money to live comfortably in retirement*  Inflation will affect your savings *Source: 1993-2008 Retirement Confidence Survey - Employee Benefit Research Institute. Retirement Facts

19.  You pay less in current federal taxes today  Compounding helps your money grow  Your money works harder for you  Saving is easy  Choose from a variety of investments offered by the program The compounding concept is hypothetical and for illustrative purposes only and is not intended to represent performance of any specific investment, which may fluctuate. No taxes are considered in the calculations; generally withdrawals are taxable at ordinary rates. It is possible to lose money by investing in securities. Why Save in a Retirement Plan

20. 80% Of your current income Retirement Income Needs

21. Susan Susan’s pre- retirement income: $30,000 Applying the 80% rule, she’ll need $24,000 each year of retirement Assuming she retires at age 65 and lives to age 85, she’ll need: $480,000 Example: Susan (in workforce 15 years) Retirement Income Needs

22. Source: Data for 2006 are Social Security Administration calculations from the March 2007 Annual Social and Economic Supplement to the Current Population Survey. 37% 28% 15% 17% 3% Other Social Security Retirement Savings Personal Savings Earnings Sources of Retirement Income

23.  Eligibility  How your money goes in  How your money comes out Your Program Highlights

24. The Potential to Pay Less in Federal Income Tax A savings of $270 at tax time * Based on 2008 Internal Revenue Service Tax Table. It considers, no other income, deductions, exemptions or taxes. $0 $3,000 $3,500 $4,000 $4,500 Federal Income Tax Paid* $4,099 $3,829 Example: Terry Pay: $30,000 Filing Status: Single Saves 6%: $1,800 per year Not Participating Participating Reason to Participate Now

25. Compounding Interest A difference of $47,266 at age 65 Assumes 7% interest. The compounding concept is hypothetical and for illustrative purposes only and is not intended to represent performance of any specific investment, which may fluctuate. No taxes are considered in the calculations; generally withdrawals are taxable at ordinary rates. It is possible to lose money by investing in securities. Example: Carla Age: 25 Saves: $35 per month $0 $25k 50k $75k $100k At Retirement-Age 65 $89,716 Carla $42,450 Beth Example: Beth Age: 35 Saves: $35 per month Reason to Participate Now

26. Assumes 7% interest over a period of 30 years. The compounding concept is hypothetical and for illustrative purposes only and is not intended to represent performance of any specific investment, which may fluctuate. No taxes are considered in the calculations; generally withdrawals are taxable at ordinary rates. It is possible to lose money by investing in securities. $1.25 per day $8.75 per week $456.25 per year $46,114 A Little Can Make A Difference

27. Gross Pay Per Paycheck$300$500$700$1500 3%Contribution Amount9152145 Take-home pay reduced by7111533 Estimated Tax Advantage*24612 7%Contribution Amount213549105 Take-home pay reduced by15263677 Estimated Tax Advantage*691328 9%Contribution Amount274563135 Take-home pay reduced by20334699 Estimated Tax Advantage*7121736 *Based on a 28% Federal tax rate Prudential Financial is not a legal or tax adviser and encourages you to consult your individual legal or tax adviser with any specific questions. You can review your own paycheck impact using our paycheck impact calculator on Prudential’s Retirement Education and Planning Site: http://www.prudential.com/PREP/tools How Much is Enough?

28. Enroll by completing the enrollment forms in the back of the Prudential Retirement Workbook Learn more about planning for retirement at www.prudential.com/prep Reevaluate your plan at least once per year Next Steps

29. Rollover Contributions

30. Beneficiary Designation

31. Your Account Tools

32. Easy Input

33. Straight Forward Results

34. On-Going Maintenance