Prudential Financial, Inc. Who is Prudential?Who is Prudential? –Founded more than 130 years ago in Newark, NJ –In the Fortune 500 – named one of America’s Most Admired Companies by Fortune Magazine in 2010 –Core services include life insurance, annuities, retirement, mutual funds, investment management and real estate, offered to individual and institutional clients worldwide –$641 billion of assets under management in 2009 with operations in the U.S., Asia, Europe and Latin America –Approximately 20,000 active domestic employees

Prudential’s Approach to Health “Health is a state of complete physical, mental and social well- being and not merely the absence of disease or infirmity.” 1 – World Health Organization Prudential is committed to improving health and well being in every part of our population.Prudential is committed to improving health and well being in every part of our population. –Multidisciplinary team of nurses, physicians, exercise physiologists, registered dietitians, EAP, safety, business and administrative professionals overseeing a broad array of programs and services such as onsite clinics, fitness centers, EAP counseling, health screenings, coaching, etc. –Early adopter of Mental Health parity in benefit design. –All medical programs cover preventive services at 100%. –Introduced consumerism programs in –Top priorities include integrating health & productivity and eliminating health disparity in population. 1. World Health Organization;

2010: Healthy Team Award, Lifestyle Challenge, Wellness Champions, Weight Watchers Subsidy (30%) Wellness Champions, Weight Watchers Subsidy (30%) 2009: Culture of Health Webinars, Know Your Numbers, Healthy Stairwells, THM Strategy, Nutritionist Healthy Stairwells, THM Strategy, Nutritionist 2008: Expanded Health Coaching (Healthyroads) 2007: Wellness Incentive (HRA), Pru Today Healthy Living Series Pru Today Healthy Living Series 2006: Internal Health Coaching, Prudential Health Solutions (HRA), Total Health Management, CDHP & HDHP Prudential Health Solutions (HRA), Total Health Management, CDHP & HDHP 2005: Biometric Screenings - Cholesterol, Glucose, Blood Pressure, BMI/Body Fat; Onsite Clinics, Travel Consultations, Data Warehouse, Intranet Site, Flu Vaccines, Health Fairs, Clinics, Travel Consultations, Data Warehouse, Intranet Site, Flu Vaccines, Health Fairs, Care Counselors, Ask The Doctor, Hypertension Mgt Program, Wellness Seminars, Child Care Counselors, Ask The Doctor, Hypertension Mgt Program, Wellness Seminars, Child Care Discounts, On-site Fitness Centers and Discounts, Prudential Life Solutions, EAP Care Discounts, On-site Fitness Centers and Discounts, Prudential Life Solutions, EAP Services Internal/External Services Internal/External Evolution of Health & Wellness Programs at Prudential

Health Outcomes 75% of current population completed HQ75% of current population completed HQ –7% of participants quit smoking –8% increased exercise level –8% lowered cardiovascular risk –12% lowered cholesterol risk 5% of population in Health Coaching5% of population in Health Coaching –53% lost weight –66% increased physical activity –54% lowered stress