Top Trends Anton Tansil Managing Director, Key Accounts Prudential Retirement

Why should employers care? The Challenge: Financial security in America 1/3 44% Don’t have a retirement and savings plan 1 of workers delay retirement 4 2/3 Why should employers care? 1-1.5% Believe they will outlive their savings 2 Higher employer costs if employees delay retirement by one year 5 41% 70% Don’t have life insurance 3 HR professionals say financial issues impact employee performance 6 1. GoBankingRates.com, “1 in 3 Americans Have $0 Saved for Retirement,” 2016 2. Northwestern Mutual’s 2016 Planning&Progress Study 3. LL Global, Inc.™ and Life Happens®, “2017 Insurance Barometer Study,” 2017 4. PwC, Employee Financial Wellness Survey, March 2016 5. Prudential, “Benefits Optimization: Insights into Benefit Plan and Portfolio Design,” 2016. With supporting research and analysis conducted by the University of Connecticut’s Goldenson Center for Actuarial Research. 6. Society for Human Resource Management, “Financial Wellness in the Workplace,” May 2014

Unable to Protect Against Key Financial Risks Emergency Savings Participants facing financial adversity often take loans from retirement accounts. Participants experience barriers to saving outside of the retirement plan and end up not saving at all. Saving in the retirement plan is easier. Unable to Protect Against Key Financial Risks Struggle to Manage Day-to-Day Finances of Americans don’t have enough savings to meet a $500 emergency3 78% don’t feel financially secure2 63% Employer-sponsored retirement accounts are the primary savings vehicle for most employees.1 1 Prudential, 2017 Financial Wellness Study. Based on a survey of full-time employees who have medical insurance, therefore, the results may appear higher than comparisons to national averages. 2 Prudential, Financial Wellness Consumer Research, 2016. 3 McGrath, Maggie, “63% of Americans Don’t Have Enough Savings to Cover a $500 Emergency,” 2016. http://www.forbes.com/sites/maggiemcgrath/2016/01/06/63-of-americans-dont-have-enough-savings-to-cover-a-500-emergency/#bbc11a66dde1opens in a new window 4 Source: The Pew Charitable Trusts, “The Precarious State of Family Balance Sheets,” January 2015

Guaranteed Minimum Withdrawal Benefits Institutional Retirement Income Options MARKET RISK FLEXIBILITY & CONTROL LONGEVITY RISK Market protection pre- and post-retirement Access to funds at any time Lifetime income protection No Income Guarantee Managed payout program Systematic withdrawals  Fixed Annuities Fixed payout annuity In-Plan/Out-of-Plan Guaranteed Minimum Withdrawal Benefits

Disclosures Emergency Savings Retirement products and services are provided by Prudential Retirement Insurance and Annuity Company (PRIAC), Hartford, CT, a Prudential Financial company. Anton Tansil is a registered representative of Prudential Investment Management Services LLC (PIMS), Newark, NJ, a Prudential Financial company. © 2018 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. 1011790-00001-00