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Real Challenges. Real Solutions. Real Results. Slide Title

Real Challenges. Real Solutions. Real Results. Record-Keeping Services ̶ 273 Clients ̶ 2.8M Covered Employees ̶ 95% Persistency

Real Challenges. Real Solutions. Real Results. Record-Keeping Services Beneficiary and Assignment Services Accept paper or Web All records on Web available 24 x 7 Provide confirmations Process changes and permit self-service Re-solicit for updated records Termination Services (Portability and Conversion) Accept termination files Mail materials to terminated employees with two notices Process portability forms Provide ongoing direct-billing for ported policies Life Claim Facilitation Services Prepare claims with eligibility data Collect supporting documents and certified death certificate Perform follow-up mailings Pay claim via SHC’s dedicated claim team Billing Accept Hewitt and SHC self-billed files Direct bill specified GUL population Eligibility Prudential will transfer and house records ̶ 273 Clients ̶ 2.8M Covered Employees ̶ 95% Persistency

Real Challenges. Real Solutions. Real Results. Record-Keeping Services Beneficiary and Assignment Services  Accept paper or Web  All records on Web available 24 x 7  Provide confirmations  Process changes and permit self-service  Re-solicit for updated records Termination Services (Portability and Conversion)  Accept termination files  Mail materials to terminated employees with two notices  Process portability forms  Provide ongoing direct-billing for ported policies Life Claim Facilitation Services  Prepare claims with eligibility data  Collect supporting documents and certified death certificate  Perform follow-up mailings  Pay claim via SHC’s dedicated claim team Billing  Accept Hewitt and SHC self-billed files  Direct bill specified GUL population Eligibility  Prudential will transfer and house records ̶ 273 Clients ̶ 2.8M Covered Employees ̶ 95% Persistency

Real Challenges. Real Solutions. Real Results. Record-Keeping Services Beneficiary and Assignment Services  Accept paper or Web  All records on Web available 24 x 7  Provide confirmations  Process changes and permit self-service  Re-solicit for updated records Termination Services (Portability and Conversion)  Accept termination files  Mail materials to terminated employees with two notices  Process portability forms  Provide ongoing direct-billing for ported policies Life Claim Facilitation Services  Prepare claims with eligibility data  Collect supporting documents and certified death certificate  Perform follow-up mailings  Pay claim via SHC’s dedicated claim team Billing  Accept Hewitt and SHC self-billed files  Direct bill specified GUL population Eligibility  Prudential will transfer and house records ̶ 273 Clients ̶ 2.8M Covered Employees ̶ 95% Persistency

Real Challenges. Real Solutions. Real Results. Record-Keeping Services Basic / OptionalGUL / GVUL ActiveRetireeActive Direct Bill Groups Beneficiary and Assignment Services  Accept paper or Web  All records on Web available 24 x 7  Provide confirmations  Process changes and permit self-service  Re-solicit for updated records Termination Services (Portability and Conversion)  Accept termination files  Mail materials to terminated employees with two notices  Process portability forms  Provide ongoing direct-billing for ported policies Life Claim Facilitation Services  Prepare claims with eligibility data  Collect supporting documents and certified death certificate  Perform follow-up mailings  Pay claim via SHC’s dedicated claim team Billing  Accept Hewitt and SHC self-billed files  Direct bill specified GUL population Eligibility  Prudential will transfer and house records ̶ 273 Clients ̶ 2.8M Covered Employees ̶ 95% Persistency

Real Challenges. Real Solutions. Real Results. Record-Keeping Services 17 ̶ 273 Clients ̶ 2.8M Covered Employees ̶ 95% Persistency How many saw this? 6% How many could recite the number? 2%

Real Challenges. Real Solutions. Real Results. Employee Experience: Evaluation and Decision Then, we help your employees get back to work. Keep Employer Updated

Real Challenges. Real Solutions. Real Results. Employee Experience: Data Collection 19 Next, we collect the required data to build the claim. Communication Timeline: Day 1—Absence / Disability Reported  Letter to employee  to supervisor and HR  Info package with medical certification sent within five days  to employer for missing info  Fax to physician for APS Day 3  Re-fax to physician if APS outstanding  Follow-up call and letter to employee Day 7  Re-fax to physician if APS outstanding Day 14  Follow-up call and letter to employee for medical certification and APS Day 30  Closure letter to employee if incomplete  Closure to employer

Real Challenges. Real Solutions. Real Results. Advantages of Choosing Prudential 20

Real Challenges. Real Solutions. Real Results. GVUL Product Overview 21 *Loans and withdrawals will reduce the death benefit. In addition, there may be a transaction charge assessed. The prospectus contains more detail. Please note, if your cash contribution exceeds certain limits and your GVUL coverage becomes a “Modified Endowment Contract” (MEC), different tax rules, and in some cases, penalties, apply for lifetime distributions such as loans, withdrawals, and assignments (including distributions made in the two years prior to becoming a MEC). A MEC can result from premium payments or from a reduction in coverage (such as the purchase of paid- up life insurance). If this applies to you, Prudential will notify you in writing of your status and advise you of your current options (if any) and by when you must respond. Prudential is not authorized to give tax advice. Please consult a tax advisor.