Prudential Financial Planning Services Planning for Success… What your business needs What your employees want 0222112-00002-00 1

In This Presentation… Why Financial Planning Services Win-Win Benefit Solution How the Program Works The Process A Flexible Program Summary / Next Steps

All with a moderate investment of time and money? What if you could improve your ability to Attract and Retain employees by: Offering a new, valuable benefit Helping them better understand existing benefits Providing access to a knowledgeable professional who can help them achieve a variety of financial goals… All with a moderate investment of time and money?

Prudential Financial Planning Services Now You Can… By offering your employees high quality, comprehensive, fee-based, financial planning services from a knowledgeable Prudential Financial Planner 4

Why Financial Planning Services? Employees today are dealing with many different financial concerns… How will I pay for my child’s college education? Will I have enough to retire comfortably? What happens if I or my spouse become disabled, have an accident or die prematurely? How do I find an objective and trustworthy person to talk to about my financial needs and concerns?

With Financial Planning Services… Why Financial Planning Services? With Financial Planning Services… You can give your employees a way to obtain valuable education and assistance to help them reach their financial goals.

Win-Win Benefit Solution Your Employees Will Obtain: Greater awareness of and appreciation for existing benefits Access to a knowledgeable financial planner Better peace of mind with a customized plan to help achieve financial goals Unbiased and objective advice

We Can Help Your Company: Win-Win Benefit Solution We Can Help Your Company: Retain Quality Employees… by increasing appreciation through offering a non-traditional benefit Attract the Best Employees… by cost-effectively making your benefits package more competitive Reduce Fiduciary Risk… by providing education to help employees achieve financial goals (fulfill ERISA 404(c) requirements)

Win-Win Benefit Solution We Can Help Your Company (continued): Increase Return on Investment in Benefits… by giving employees a clear understanding of existing benefits Decrease Stress in the Workplace… improving productivity by focusing on work instead of financial concerns

How the Program Works You select which employees are eligible to participate On-site financial education workshops can be provided Those employees who choose to obtain comprehensive fee-based financial planning services will receive professional guidance from an objective Financial Planner

The following will be discussed during the planning process: How the Program Works The following will be discussed during the planning process: General Investment Planning Retirement Planning Education and Other Major Goal Planning Estate Planning Strategies Protection Planning Net Worth / Cash Flow Analysis

The Process When your employees meet with a Prudential Financial Planner, they’ll follow a clearly-defined process …

The Process Identify financial goals What inspires and motivates the employee? What are the priorities? What does the employee value most? Gather information to understand current financial situation This helps the employee understand his/her current situation Develop personalized financial plan Whether the employee has one goal or many, the Planner will apply extensive knowledge and resources, plus the detailed information provided, to prepare a plan that is unique

A Flexible Program Choose from 3 different levels of service for your employees, based upon your company’s needs… [Xx%] group discount You decide who receives the benefit Provide to all employees, a small group, or employees at a specific location Cost-sharing of fees Company can pay for all, some or none of the financial planning fee Fees paid by your company for financial planning services provided to employees may be tax-deductible (consult your tax advisor) Please see Corporate Financial Planning Service Levels Handout

Top Reasons Why Your Company Should Offer Financial Planning Summary Offering financial planning has many benefits for your company and your employees: Top Reasons Why Your Company Should Offer Financial Planning 1. Enhancing appreciation of existing benefits 2. Reducing fiduciary risk 3. Maximizing employee contribution 4. Attracting and retaining workers 5. Reducing stress and absenteeism resulting from financial problems

1 2 3 Taking the Next Step Determine the level of service Communicate program and process to employees to obtain financial planning services at a discount 2 Select the best time, date, and location for educational workshops (optional) 3

Prudential Financial Planning Services Thank You! 17

Prudential Financial Planning Services Investment advisory services offered through Prudential Financial Planning Services, a division of Pruco Securities, LLC. Prudential Financial, its affiliates and representatives do not provide legal or tax advice. Consult your own tax and legal advisors regarding your particular circumstances. Prudential , the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities. 18