Why Prudential Annuities®?

Why Prudential Annuities®?
Optional Income & Accumulation Benefits This presentation must be preceded or accompanied by one of the following presentations: [Welcome to the Retirement Red Zone: ] [Red Flags in the Retirement Red Zone: ] [Managing the Human Element in Investing: ] [Help Guarantee Your Retirement Income: ] This presentation is intended for use as an enhancement/supplement to the client presentations we offer. It must be preceded or accompanied by one of the following client presentations: [Welcome to the Retirement Red Zone: ] [Red Flags in the Retirement Red Zone: ] [Managing the Human Element in Investing: ] [Help Guarantee Your Retirement Income: ] Before presenting any or all of this seminar, please present one of the above presentations in its entirety. Following this slide are two slides that transition the conversation to a variable annuity with optional benefits. You must present those two slides. You will then have the option of presenting one or more of five optional benefit modules. Each module has a cover slide with specific instructions located in the Notes section of the slide. Please read the instructions carefully and make the appropriate choices and adjustments as needed. Once you are finished selecting and presenting the modules, please remember to also present slides [43-48] – they are standard slides and must be used. Let’s get started… [When presenting in AR, CA, IL, OK or TX, use the phrase “Insurance Sales Presentation”] ANNUITIES: NOT FDIC OR GOVERNMENT AGENCY INSURED MAY LOSE VALUE NOT BANK OR CREDIT UNION GUARANTEED

Let’s Review What We Just Discussed…
Potential retirement challenges you may face What an effective retirement investment should offer How a variable annuity can help you reach your goals Let’s quickly review everything that we just discussed: (Click) Potential retirement challenges you may face – the effect of early investment losses, the effect of inflation, how volatile markets effect the emotions and decisions investors make (Click) What an effective retirement investment should offer – Reduction of downside risk in declining markets, the ability to capture the market’s upside potential, guaranteed lifetime retirement income, without giving up control of your savings (Click) How a variable annuity can help you reach your goals – variable annuities offer investment choice, tax deferral, death benefit protection and optional income and accumulation benefits, but there are also fees and charges you should be aware of.

A Variable Annuity with Optional Benefits can…
Help mitigate some of the risk from your retirement income Help grow and protect your savings with confidence Create a guaranteed income stream that you cannot outlive Now let’s talk about how a variable annuity with optional living benefits can help… (click) Help mitigate some of the risk from your retirement income (click) Help grow and protect your savings with confidence (click) Create a guaranteed income payment stream that you cannot outlive (Pause for a second, then click to reveal the animation into the VA folder) Speaker: Please read the following text to the audience… A variable annuity is a long-term investment designed to create guaranteed income in retirement. The money is allocated to professionally managed investment portfolios that you select, where it accumulates tax-deferred. When you retire, your savings can be used to generate a stream of regular income payments that are guaranteed for as long as you live. In addition, variable annuities provide a guaranteed death benefit for your beneficiaries. Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59½, may be subject to an additional 10% federal income tax penalty. Withdrawals, for tax purposes, are deemed to be gains out first. Speaker: Now transition to which optional benefit(s) you will be presenting. Variable Annuity with Optional Benefits All guarantees, including optional benefits, are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options.

Spousal HD LifetimeSM 6 Plus
Optional Module #1 HD LifetimeSM 6 Plus & Spousal HD LifetimeSM 6 Plus Slides [5-20] You have the option to either present this module: The HD Lifetime 6 Plus and Spousal HD Lifetime 6 Plus module, or to play Module 2: The HD6 Plus Client Video. If you decide to present this module, please remember to hide slides If you choose to present the Client Video, please hide this module and follow the directions located in the Notes Section of Slide 21.

Guaranteeing Your Retirement Income
Help increase your retirement income Help protect it Guarantee it lasts a lifetime Annuity with HD Lifetime 6 Plus All the ups and downs of the financial markets can make anyone anxious. Especially if you’re in or nearing retirement. That’s when even short-term losses can have a huge impact on your retirement security. But now there’s a way to (click) help increase your income for retirement, (click) help protect it, and (click) guarantee that income lasts a lifetime. It’s an innovative new optional benefit, available on variable annuities from the Prudential companies, (click) called Highest Daily Lifetime 6 Plus. Here’s what you need to know first about HD Lifetime 6 Plus. Working with your financial professional, evaluate the retirement savings you’ve already accumulated. Then decide what would be an appropriate portion to roll over into a variable annuity with this benefit.

Choose Your Investments
Investment Goals, Time Horizon, Risk Tolerance Asset Allocation Traditional, Alternative, Quantitative or Tactical I can help you choose the variable annuity that’s right for you. With this innovative benefit option, I can help you select a range of portfolios based on your (click) investment goals, time horizon and risk tolerance. This technique, (click) called asset allocation, can help reduce the impact of market volatility on your portfolio and help increase your potential return over time. You can diversify by (click) blending traditional asset classes such as stocks, bonds, and cash with non-traditional, alternative asset classes that don’t necessarily move in step with stocks and bonds (click). Being diversified helps you manage risk. To help streamline the process, Prudential offers a broad variety of asset allocation portfolios that can match your needs. I can help you choose from one or more of these portfolios, which are managed by well-regarded investment managers. Now let’s learn about the growth guarantee that can help increase your income for retirement, whether the markets are up or down. Asset allocation does not ensure a profit or protect against loss. Certain asset allocation portfolios may not be available with optional benefits. Alternative investments are speculative and include a high degree of risk. Alternative investments are suitable only for long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. Asset allocation does not ensure a profit or protect against loss. Alternative investments are speculative and include a high degree of risk. Alternative investments are suitable only for long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

How to Guarantee Growth For Retirement Income Purposes
With HD Lifetime 6 Plus: Every day your account value reaches a new high, that new high is locked in When you’re planning for retirement, it’s only natural to be concerned about volatility in the financial markets, and what it might do to your retirement. There will be up days and down days, just like any variable investment. But when you add HD Lifetime 6 Plus, every day your account value reaches a new high, that value is locked in and guaranteed to provide retirement income later when you’re ready to take withdrawals. Every day a new high is locked in

Plus 6% Guaranteed Annual Compounded Growth
Every time you lock in a new high, HD Lifetime 6 Plus automatically begins adding 6% annual compounded growth on top of that value +6 Guaranteed Annual Compounded Growth (Click) Better yet, every time you lock in a new high, HD Lifetime 6 Plus automatically begins adding 6% annual compounded growth on top of that value (Click). The 6% annual compounding will continue until you take your first Lifetime Withdrawal. Lifetime Withdrawals refer to any withdrawals taken once you begin annual income under the benefits.

Protected Withdrawal Value
Highest locked-in amount 6% compounded growth Protected Withdrawal Value The sum of your (click) highest locked-in amount (click) plus the 6% compounded growth is called your (click) Protected Withdrawal Value. This is the amount used to calculate your monthly payments in retirement. The higher your Protected Withdrawal Value, the higher your monthly payments will be. The Protected Withdrawal Value is a separate value from your annuity’s account value and is used to calculate the Annual Income Amount. It is only available through withdrawals, not as a lump sum. However, if you need to access your account value, it’s available at any time, subject to contract terms.

Your Protected Withdrawal Value…
…is always locked in and growing New Highs = More Income Lock in your highs 100% And each time your account value hits a new high, (Click) Prudential locks in that high and begins adding more guaranteed growth, until your first Lifetime Withdrawal. (Click) No other annuity benefit locks in your investment’s highs 100% of the time for retirement income purposes and never gives them back. Even if the markets go down, your Protected Withdrawal Value is guaranteed. Of the time

Protection Against Market Downturns
When your account value is down… When your account value is up… Stock-Based Portfolio How does Prudential offer protection against market downturns? During periods of market decline, a portion of your account value may be automatically transferred from the variable, stock-based portfolios you selected to an investment-grade bond portfolio. When markets move up, money may be transferred back. This process could limit somewhat your ability to benefit from market recoveries, but it does help protect against market volatility and help reduce risk. When markets are down (click)…a portion of your account value moves from the Stock-based Portfolio(s) into the Bond Portfolio When markets move up (click)…a portion of your account value moves from the Bond Portfolio back into the Stock-based Portfolio(s) Speaker, please read the following to the audience: Highest Daily Lifetime 6 Plus and Spousal Highest Daily Lifetime 6 Plus use a predetermined mathematical formula to help manage your guarantee through all market cycles. Each business day, the formula determines if any portion of the account value needs to be transferred into or out of the AST Investment Grade Bond Portfolio (the "Bond Portfolio"). Amounts transferred by the formula depend on a number of factors unique to your individual annuity and include: (i) The difference between the account value and the Protected Withdrawal Value; (ii) How long you have owned Highest Daily Lifetime 6 Plus or Spousal Highest Daily Lifetime 6 Plus; (iii) The amount invested in, and the performance of, the permitted subaccounts; (iv) The amount invested in, and the performance of, the Bond Portfolio; and (v) The impact of additional purchase payments made to and withdrawals taken from the annuity. Therefore, at any given time, some, most, or none of the account value may be allocated to the Bond Portfolio. Transfers to and from the Bond Portfolio do not impact any income guarantees that have already been locked in. The Protected Withdrawal Value (the basis for guaranteed lifetime income) is separate from the account value, and only available through withdrawals, not as a lump sum. Any amounts invested in the Bond Portfolio will affect your ability to participate in a subsequent recovery within the permitted subaccounts. Conversely, the account value may be higher at the beginning of the recovery; e.g., more of the account value may have been protected from decline and volatility than it otherwise would have been had the benefit not been elected. Please note: You may not allocate purchase payments or transfer account value into or out of the Bond Portfolio. See the prospectus for complete details. Bond Portfolio

How HD Lifetime 6 Plus Can Generate Guaranteed Income For Life…
Guaranteed annual income is based on a percentage of your actual account value or your Protected Withdrawal Value, whichever is higher. Protected Withdrawal Value Account Value So what happens when it’s time to retire? Let’s talk about how HD Lifetime 6 Plus can generate guaranteed income for life. Once you retire, it’s time to put HD Lifetime 6 Plus to work creating regular annual income you can live on. (click) Annuities from Prudential companies with HD Lifetime 6 Plus can provide guaranteed annual income, based on a percentage of your actual account value or your Protected Withdrawal Value, whichever is higher.

When Income Begins HD Lifetime 6 Plus Spousal HD Lifetime 6 Plus
Annuitant’s age at first Lifetime Withdrawal Income Percentage 45-less than 59½ 4% 59½-79 5% 80+ 6% Spousal HD Lifetime 6 Plus Age of the younger spouse at first Lifetime Withdrawal Income Percentage 50-64 4% 65-84 5% 85+ 6% How much income will you receive? Depending on your age when you begin taking withdrawals, you’ll receive four, five, or six percent of your Protected Withdrawal Value as annual retirement income as long as you live. Withdrawals can begin at anytime. That money comes from your actual account value. But even if your account balance goes to zero, you’ll still get the same annual income payment guaranteed for life. Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59½, may be subject to an additional 10% federal income tax penalty.

Guaranteed Growth If You Delay Lifetime Withdrawals
Minimum income guarantees equate to a 7.2% average annual return! You also have minimum income guarantees! Let’s say your initial purchase payment is $100,000: Your Protected Withdrawal Value (basis for lifetime income) will be: After years: 200% = $200,000 400% = $400,000 10 20 Account Value Here’s one more important guarantee. Suppose you delay the Lifetime Withdrawal for the first 10 or 20 years you hold the annuity benefit. In that case, your Protected Withdrawal Value is guaranteed to be 200% or 400% respectively, of your starting account value. Guaranteed minimum growth if you delay Lifetime Withdrawals (click) 10 Years: $100,000 grows at least 200% to $200,000 20 Years: $100,000 grows at least 400% to $400,000 (click) Your minimum income guarantees of 200% and 400% equate to a 7.2% average annual return! The examples above are a percentage of your starting account value. The Non-Lifetime Withdrawal (see slide 15 for more details) will proportionally reduce the 10- and 20-year guarantees as well as the current Protected Withdrawal Value. If the minimum guarantee exceeds your current Protected Withdrawal Value, then it will become your new basis for lifetime income and will continue to grow at a compounded 6% rate until your first Lifetime Withdrawal. Thanks to HD Lifetime 6 Plus, investing for retirement doesn’t have to be a time of anxiety. YEARS 5 10 15 20 This is a hypothetical example for illustrative purposes only. It does not reflect a specific annuity or the performance of any investment. Please note, benefits may not be available in all states.

Potential For Greater Income And Additional Flexibility
Post-withdrawal step-ups based on the highest daily value Non-Lifetime Withdrawal Spousal HD Lifetime 6 Plus: Withdrawals continue uninterrupted to the surviving spouse You have the ability to cancel either benefit at any time HD Lifetime 6 Plus and Spousal HD Lifetime 6 Plus offer features that provide a competitive advantage over similar products offered by our competitors. Click through the bullets and explain features) Potential for highest daily value step-ups after Lifetime Withdrawals begin Flexibility to take one Non-Lifetime Withdrawal without interrupting the daily lock-in feature or the 6% compounded growth Non-Lifetime Withdrawal: a feature that allows for a one time withdrawal to be taken from an annuity with HD & Spousal HD Lifetime 6 Plus, without stopping the daily step-ups and 6% compounded growth Will proportionally reduce the Protected Withdrawal Value as well as the 200% and 400% minimum income guarantees. At the time of the withdrawal, you must specify the withdrawal is intended to be a Non-Lifetime Withdrawal Spousal HD Lifetime 6 Plus: Withdrawals continue to the surviving spouse upon death of the first spouse without interruption, even if the account value has been depleted You have the ability to cancel and re-elect the benefits at any time. You may cancel any of the benefits at any time. After cancellation, you will no longer be charged for the benefit. If cancelled, the benefit may be re-elected on any day beginning with the following business day (provided investment allocation requirements are in good order). Please note that any and all guarantees are lost upon cancellation. A Non-Lifetime Withdrawal will proportionally reduce the Protected Withdrawal Value as well as the 200% and 400% guarantees. At the time of the withdrawal, you must specify the withdrawal is intended to be a Non-Lifetime Withdrawal.

Annual Benefit Charge*
HD & Spousal HD Lifetime 6 Plus… At a Glance Optional Benefit Annual Benefit Charge* Minimum Issue Age Maximum Issue Age Investment Options** HD Lifetime Plus 0.85% (annuitant) May vary by state or broker/dealer Invest in a range of asset allocation options spanning four diverse investment strategies, or create a portfolio from individual investment options Spousal HD Lifetime 6 Plus 0.95% 50/ (younger spouse/ older spouse) Let’s look at the specs (Read Slide). We offer a variety of investment options that can be as simple or sophisticated as you want to make them. Choose from one or more of 15 turnkey asset allocation portfolios including traditional, alternative, quantitative and tactical strategies; OR Create a personalized portfolio from a broad spectrum of individual investment options* * When creating a personalized portfolio, certain subaccount limitations may apply and a minimum allocation of 20% will need to be maintained in one or more of the eligible bond subaccounts. Please refer to the prospectus for complete information. Alternative investments are speculative and include a high degree of risk. You could lose all or a substantial amount of your investment. Alternative investments are suitable only for long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. * Annual benefit charges are assessed quarterly against the greater of the account value and the Protected Withdrawal Value (adjusted for withdrawals and premiums). Fees will be taken pro-rata across all subaccounts. Please note that, upon step-up, after income begins, the fees may be higher. The fees are in addition to fees and charges associated with the basic annuity. See the prospectus for complete details. ** When creating your own portfolio, certain subaccount limitations may apply and you will need to maintain a minimum 20% allocation to one or more of the eligible bond subaccounts. For a list of available asset allocation portfolios and subaccounts, please refer to the prospectus. Asset allocation does not ensure a profit or protect against loss. Certain asset allocation portfolios may not be available with optional benefits.

Calculating Your Guaranteed Annual Income Amount
1 $250,000 Investment Amount: 2 12 Years Until Retirement: 3 Minimum Lifetime Income Basis: (investment amount & income multiple) $250,000 x 2.25 = $562,500 68 4 Age at Retirement: (or younger spouse for Spousal Highest Daily Lifetime 6 Plus) Optional Slide – Please hide if you choose not to use it This worksheet is in the folder of materials. I can help you calculate your own guaranteed retirement income. Let me demonstrate how a variable annuity from Prudential companies with the HD Lifetime 6 Plus or the Spousal HD Lifetime 6 Plus optional living benefit can provide you with guaranteed lifetime income. (Click through the worksheet to reveal the numbers) Guaranteed Minimum Annual Income for Life: 5 $562,500 x .05 = $28,125

Changing Jobs or Retiring:
What Are Your Options? Leave assets in your former employer’s plan Transfer assets to a new employer’s plan Cash out (take a lump-sum distribution) Rollover IRA Optional Slide – Must be used in conjunction with slide 17. Please hide both slides if you choose not to use them. Let’s take a moment now to think about your qualified retirement plan assets. For most of us, the savings we have set aside in a tax-qualified retirement account, such as a company-sponsored 401(k) plan, represent our second largest asset next to our homes. During your prime earning years, you may be focused on accumulating assets in these plans. But as retirement draws closer, your attention may be focused on preserving those assets. Because retirement planning is a lifelong process, you have important decisions to make about what to do with the assets you’ve saved. In general, you have four options for managing your retirement account assets after leaving a job or retiring. Each option has its advantages and disadvantages. Let’s take a closer look. (Click) You may be able to leave the money in your former employer’s plan. Leaving your assets where they are is the easiest option because it requires no action on your part. You will continue to benefit from tax-deferred compounding, and you’ll have some control over how your money is invested among the plan’s investment options. On the downside, you will no longer be able to contribute to the plan, which could slow account growth, and your investment choices will be limited to whatever the plan offers. Plus, if you change jobs frequently, you may find yourself with several separate plans from former employers, each with their own plan administrator and investment offerings. (Click) You also may be able to transfer the balance to a retirement account sponsored by your new employer. As with the first option, you’ll continue to enjoy tax deferral on the full account balance, but once again, your investment choices are likely to be limited. Plus, you’ll need to investigate how the new plan’s rules compare to your old plan’s rules. For example, one plan may allow participants to borrow money from their accounts, while another may not. (Click) Third, you may cash out the account by taking a lump-sum distribution. As tempting as this sounds, it has costly drawbacks — top among them a 20% mandatory federal tax withholding, ordinary income tax, and a 10% early withdrawal penalty if you separate from service before age 55. Aside from the taxes and penalties, don’t overlook the obvious problem with a cash-out distribution. By taking money out of your tax-deferred retirement account now, you run the risk of not having enough money on hand in retirement. (Click) Finally, but first on my list, is rolling over your retirement plan assets from your former employer’s plan into an IRA.

A Good Choice for Qualified Plan Assets
Help reduce downside risk in declining markets No immediate tax consequences or penalties A wider array of investment choices Optional Slide – Must be used in conjunction with slide 16. Please hide both slides if you choose not to use them. While your employer-sponsored retirement plans have served you well in your pursuit of building a sizeable retirement account, they don’t offer anything in the way of downside protection. If markets go down, your retirement assets go down. Unfortunately, it’s that simple. Today’s variable annuities may be a good choice for qualified plan assets. Placing your qualified plan assets into an IRA with a variable annuity with the appropriate type of optional benefit may help protect your assets from market downturns (click) and help you capture potential market gains. (click) Plus, with a variable annuity held in a Rollover IRA, there are no immediate tax consequences or early withdrawal penalties. (click) And a variable annuity typically offers a much wider array of investment choices than does the average employer-sponsored retirement plan. It is important to note: Qualified Plan rollovers can be very appropriate for many individuals. There are, however, some other things to think about: Exceptions to the 10% federal income tax penalty – The penalty exceptions for distributions from employer plans and IRAs are not identical. Two exceptions apply to an employer plan but not an IRA – separation from service at or after age 55 and qualified domestic relations orders. Conversely, IRAs provide penalty exceptions for first-time home purchase and higher education, but employer plans do not. Net Unrealized Appreciation (NUA) tax treatment – Favorable NUA tax treatment is not available to IRAs. Therefore, if an individual has highly appreciated company stock in an employer-sponsored plan, rolling that stock to an IRA eliminates the ability to take advantage of NUA tax treatment. Creditor protection – While IRAs now have federal bankruptcy protection, as do all qualified plans, IRAs may be subject to the claims of non-bankruptcy creditors unless protected under state law. Loans – In the event that a 401(k) is terminated, the loan may be subject to income taxes and a federal income tax penalty. New contributions to the employer plan – Taking distributions may affect your ability to make future contributions to the employer plan. I do need to mention one additional thing. When you purchase a variable annuity for a tax-qualified retirement plan, you receive no additional tax-deferred treatment beyond what is provided in your current plan. Therefore, you should consider a variable annuity only if other benefits are desired, such as a death benefit or payout options that can provide guaranteed income for life. At the end of the day, variable annuities may help you grow and protect your qualified plan assets. (Click to reveal “call out“ box) You’ve spent a lifetime building your savings… Let me show you how to make that savings generate a lifetime of income in retirement.

Let’s Recap Guaranteed Income Growth Guaranteed Lifetime Payments
Flexibility With Your Retirement Savings Let’s quickly recap everything you get with HD Lifetime 6 Plus: (Click) Guaranteed Income Growth: A guarantee that your Protected Withdrawal Value will keep growing (6% compounded growth on your highest daily account value, until Lifetime Withdrawals begin), no matter what the market is doing. (Click) Guaranteed Lifetime Payments: A guarantee that will generate annual retirement income no matter how long you live. (Click) Flexibility With Your Retirement Savings: You don’t have to give up all control of your retirement savings. No other retirement strategy available today can do all that.

HD Lifetime 6 Plus Video Module:
Optional Module #2 HD Lifetime 6 Plus Video Module: [Slides 22-23, plus the Video Please read the instructions in the Notes Section below] You have the option to either present Module 1 or the HD6 Plus Client Video Module 2. If you decide to present Module 1, please remember to hide this slide. If you choose to present the Client Video, please hide Module 1 and follow the directions below: Present the two introduction slides (slides 22 and 23), before starting the video Load the HD6 Plus Client Video CD into the disc drive on your computer When you load the disc into the drive, it will automatically begin running Once the disc is loaded, an attestation screen will pop up. To proceed to the video, click the “Confirmation Box” and then click “Start” The HD6 Plus video will load and automatically begin playing

Let’s Review What We Just Discussed…
Potential retirement challenges you may face What an effective retirement investment should offer How a variable annuity can help you reach your goals Let’s quickly review everything that we just discussed: (Click) Potential retirement challenges you may face – the effect of early investment losses, the effect of inflation, how volatile markets effect the emotions and decisions investors make (Click) What an effective retirement investment should offer - Reduction of downside risk in declining markets, the ability to capture the market’s upside potential, guaranteed lifetime retirement income, without giving up control of your savings (Click) How a variable annuity can help you reach your goals – variable annuities offer investment choice, tax deferral, death benefit protection and optional income, accumulation and death benefits

A Solution From Prudential Annuities®
Help increase your retirement income Help protect it Guarantee it lasts a lifetime Annuity with HD Lifetime 6 Plus All the ups and downs of the financial markets can make anyone anxious. Especially if you’re in or nearing retirement. That’s when even short-term losses can have a huge impact on your retirement security. But now there’s a way to (click) help increase your income for retirement, (click) help protect it, and (click) guarantee that income lasts a lifetime. It’s an innovative new optional benefit, available on variable annuities from the Prudential companies, (click) called Highest Daily Lifetime 6 Plus. Now let’s take a look at an brief video which explains the details of Highest Daily Lifetime 6 Plus. Speaker: Now play the video… All guarantees, including optional benefits, are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options.

Lifetime Income Accelerator (LIA)
Optional Module #3 Additional Feature: Lifetime Income Accelerator (LIA) Slides [25-30] This is the Lifetime Income Accelerator (LIA) module. It must be presented in conjunction with the HD Lifetime 6 Plus & Spousal HD Lifetime 6 Plus module. Please remember to hide the cover slide if presenting this module.

What is the Lifetime Income Accelerator?
An optional feature available with HD Lifetime 6 Plus Can double your Annual Income Amount if you become unable to care for yourself Receive double income while still living at home. The Lifetime Income Accelerator (LIA) is (click) an optional feature available with HD Lifetime 6 Plus (click) that will double your Annual Income Amount, should certain health conditions render you incapable of caring for yourself. LIA provides you the (click) flexibility to increase your annual income regardless of whether or not you are still living at home or in a qualified nursing facility helping to ease the concern of rising costs in retirement. HD Lifetime 6 Plus with Lifetime Income Accelerator is not long-term care insurance and should not be purchased as a substitute for long-term care insurance. The income you receive through the Lifetime Income Accelerator may be used for any purpose, and it may or may not be sufficient to address expenses you may incur for long-term care. You should seek professional advice to determine your financial needs for long-term care. Lifetime Income Accelerator is not long-term care insurance and should not be purchased as a substitute for long-term care insurance. The income you receive through the Lifetime Income Accelerator may be used for any purpose, and it may or may not be sufficient to address expenses you may incur for long-term care. You should seek professional advice to determine your financial needs for long-term care.

How You Can Become Eligible…
You must be unable to perform two or more activities of daily living* OR You must be confined to a qualified nursing care facility Here’s how you become eligible for the LIA feature… (click to reveal each bullet point) *Just to be clear, activities of daily living include: bathing, continence, dressing, eating, toileting and transferring. * Activities of daily living include: bathing, continence, dressing, eating, toileting and transferring

The waiting and elimination periods may run concurrently.
And You Must Also… Wait a period of three years following benefit election Meet an elimination period of 120 days The waiting and elimination periods may run concurrently. You must also (click) wait a period of three years following benefit election before accelerated income can begin and (click) meet an elimination period of 120 days (from notification that eligibility conditions have been met) before accelerated income can begin. (click) The waiting and elimination periods may run concurrently.

You begin taking lifetime income
Here’s How LIA Works… You meet all of the requirements and become eligible for double the Annual Income Amount. You begin taking lifetime income $50,000/year $50,000/year $25,000/year $25,000/year $25,000/year $25,000/year $25,000/year Optional Slide Here is how LIA works. You purchase a variable annuity with HD Lifetime 6 Plus and the optional LIA feature, and (click) begin taking lifetime income. While you are receiving income, you become ill and apply to receive the LIA benefit. (click) Three years later, you meet all of the requirements and become eligible for double the Annual Income Amount. [HD Lifetime 6 Plus] with Lifetime Income Accelerator is NOT long-term care insurance and should not be purchased in place of long-term care insurance. This hypothetical example is for illustrative purposes only and does not reflect the performance of any investment. Highest Daily Lifetime 6 Plus with Lifetime Income Accelerator is not long-term care insurance and should not be purchased as a substitute for long-term care insurance. The income you receive through the Lifetime Income Accelerator may be used for any purpose, and it may or may not be sufficient to address expenses you may incur for long-term care. You should seek professional advice to determine your financial needs for long-term care.

Annual Benefit Charge* Flexible Election Options**
LIA – At a Glance Optional Benefit Annual Benefit Charge* Minimum Issue Age Maximum Issue Age Flexible Election Options** HD Lifetime 6 Plus with LIA*** 1.20% (annuitant) 75 May be elected or cancelled at any time * Annual benefit charges are assessed quarterly against the greater of the account value and the Protected Withdrawal Value (adjusted for withdrawals and purchase payments). Fees will be taken pro-rata across all investment options. Please note that upon step-up after income begins, the fees may be higher. The fees are in addition to fees and charges associated with the basic annuity. See the prospectus for complete details. ** You may cancel any of the benefits at any time. After cancellation, you will no longer be charged for the benefit. If cancelled, the benefit may be re-elected on any day beginning with the following business day (provided investment allocation requirements are in good order). May vary by broker/dealer. Please note that any and all guarantees are lost upon cancellation. *** Lifetime Income Accelerator is not available with Spousal HD Lifetime 6 Plus and may not be available in all states. Please refer to the prospectus for complete details on benefit charges and election options. Let’s look at the specs (Read Slide).

Flexible Investment Options
Simple or Sophisticated Turnkey asset allocation portfolios OR Create a personalized portfolio* We offer a variety of investment options that can be (click) as simple or sophisticated as you want to make them. (click) Choose from one or more of 15 turnkey asset allocation portfolios including traditional, alternative, quantitative and tactical strategies; OR (click) Create a personalized portfolio from a broad spectrum of individual investment options* * When creating a personalized portfolio, certain subaccount limitations may apply and a minimum allocation of 20% will need to be maintained in one or more of the eligible bond subaccounts. Please refer to the prospectus for complete information. Alternative investments are speculative and include a high degree of risk. You could lose all or a substantial amount of your investment. Alternative investments are suitable only for long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. * When creating a personalized portfolio, certain subaccount limitations apply and a minimum allocation of 20% will need to be maintained in one or more of the eligible bond subaccounts. Please refer to the prospectus for complete information.

Highest DailySM Guaranteed Return OptionSM II (HD GROSM II)
Optional Module #4 Highest DailySM Guaranteed Return OptionSM II (HD GROSM II) Slides [32-36] Please hide this slide when presenting. If presenting, please use all of the slides in this module.

Help Secure Your Future
Protect Retirement Savings Guaranteed minimum account value after 10 years* Capture Investment Growth Automatically lock in new highest daily value guarantees each year A variable annuity with the Highest Daily Guaranteed Return Option II (HD GRO II) can help you plan for a secure retirement. You’ll have opportunities to realize greater guarantees based on your annuity’s highest daily value with the certainty that your purchase payments will be guaranteed after ten years. (click) Protect Retirement Savings – With an initial guarantee that your account value will be equal to 100% of the purchase payments* ten years after the benefit is elected. (click) Capture Investment Growth – By automatically locking in new guarantees each year, based on your annuity’s highest daily value. A new guarantee does not replace any existing guarantees; it matures ten years from the date it is locked in. * Purchase payments are adjusted for any credits or withdrawals. If adding HD GRO II to an existing annuity, the initial guarantee equals the account value at the time of benefit election. Now let’s look at a case study, which illustrates how HD GRO II works… * Purchase payments are adjusted for any credits or withdrawals. If adding HD GRO II to an existing annuity, the initial guarantee equals the account value at the time of benefit election.

Variable Annuity with HD GRO II… How It Works
HIGHEST DAILY LOCK IN ACCOUNT VALUE without HD GRO II HIGHEST DAILY LOCK IN ENHANCED GUARANTEE 2 ENHANCED GUARANTEE 1 INITIAL PURCHASE PAYMENT INITIAL GUARANTEE Let’s take a look at HD GRO II in action… Joe, age 49, decides to purchase a variable annuity from Prudential Annuities and adds the protection of the optional HD GRO II accumulation benefit, for an additional fee of 0.60%. His primary goal is to accumulate as much money as possible before retirement, but he doesn’t want to risk losing his principal. (click) The initial guarantee provided by HD GRO II protects Joe’s savings by ensuring he will receive no less than his purchase payment ten years after he elects the benefit. In this example, HD GRO II: Guarantees Joe’s initial purchase payment after ten years Automatically captures his annuity’s highest daily value at the end of the first year (click), which will mature in year 11 (at age 60) and again at age 61 since no additional guarantee was captured in year 2 (age 51). Captures an additional guarantee (click) in the middle of the third year (age 52), which will mature in year 13 (at age 62), and every year thereafter. On the anniversary a guarantee matures, HD GRO II compares Joe's account value to the guaranteed amount. If the account value is less, HD GRO II adds money to his annuity so that the account value equals the amount of the guarantee. 59 60 62 Age This hypothetical example is for illustrative purposes only and is not meant to represent the performance of any specific annuity.

When your account value is down… When your account value is up… Stock-Based Portfolio How does HD GRO II offer protection against market downturns? During periods of market decline, a portion of the account value may be automatically transferred from the variable, stock-based portfolios you selected to a target maturity bond portfolio. When markets move up, money may be transferred back. This process could limit somewhat your ability to benefit from market recoveries, but it does help protect against market volatility and help reduce risk. When markets are down (click)…a portion of your account value moves from the stock-based portfolio(s) into the applicable bond portfolios When markets move up (click)…a portion of your account value moves from the applicable bond portfolios back into the stock-based portfolio(s) Speaker, please read the following to the audience: Highest Daily Guaranteed Return Option II (HD GRO II) uses a predetermined mathematical formula to help manage your guarantee through all market cycles. Each business day, the formula determines if any portion of your account value needs to be transferred into or out of certain AST Bond Portfolio Subaccounts (the "Bond Portfolios"). Amounts transferred by the formula depend on a number of factors unique to your individual annuity and include: (i) The difference between the account value and your Guarantee Amount(s); (ii) The amount of time until the maturity of your Guarantee(s); (iii) The amount invested in, and the performance of, the permitted subaccounts; (iv) The amount invested in, and the performance of, the Bond Portfolios; (v) The discount rate used to determine the present value of your Guarantee(s); and (vi) The impact of additional purchase payments made to and withdrawals taken from the annuity. Therefore, at any given time, some, none, or most of the account value may be allocated to the Bond Portfolios. Transfers to and from the Bond Portfolios do not impact any guarantees that have already been locked in. Any amounts invested in the Bond Portfolios will affect your ability to participate in a subsequent recovery within the permitted subaccounts. Conversely, the account value may be higher at the beginning of the recovery; e.g., more of the account value may have been protected from decline and volatility than it otherwise would have been had the benefit not been elected. Please note: You may not allocate purchase payments or transfer account value into or out of the Bond Portfolios. See the prospectus for complete details. Bond Portfolio

HD GRO II – At a Glance Optional Benefit Annual Benefit Charge* Minimum Issue Age Maximum Issue Age Flexible Election Options** HD GRO II 0.60% None (80 in NY) Subject to the annuity product selected and may vary by state or broker/dealer Invest in a range of asset allocation options spanning four diverse investment strategies, or create a portfolio from individual investment options Let’s look at the specs (Read Slide). We offer a variety of investment options that can be as simple or sophisticated as you want to make them. Choose from one or more of 15 turnkey asset allocation portfolios including traditional, alternative, quantitative and tactical strategies; OR Create a personalized portfolio from a broad spectrum of individual investment options* * When creating a personalized portfolio, certain subaccount limitations may apply and a minimum allocation of 20% will need to be maintained to in one or more of the eligible bond subaccounts. Please refer to the prospectus for complete information. Alternative investments are speculative and include a high degree of risk. You could lose all or a substantial amount of your investment. Alternative investments are suitable only for long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. * Annual benefit fees are assessed against the average daily net assets of the subaccounts. Benefit fees are in addition to fees and charges associated with the basic annuity. Please note that, upon step-up, the fees may be higher. See the prospectus for complete details. ** When creating a portfolio, certain subaccount limitations may apply and a minimum 20% allocation to one or more of the eligible bond subaccounts will need to be maintained. For a list of available asset allocation portfolios and subaccounts, please refer to the prospectus. Asset allocation does not ensure a profit or protect against loss. Certain asset allocation portfolios may not be available with optional benefits.

At a Glance Flexibility and Control Spousal Continuation 90% Cap
No annuitization or systematic withdrawals are required* May be elected or cancelled at any time** HD GRO II offers you a measure of (click) flexibility and control over your retirement assets (click) Spousal Continuation – The surviving spouse can elect to assume the annuity contract and continue the HD GRO II benefit, with no interruption to the initial or enhanced guarantee. (click) 90% Cap – This feature limits the amount that can be transferred into the AST Bond Portfolios to 90% of the account value. Once the cap is reached, no additional transfers will be made until a transfer out of the AST Bond Portfolios has occurred. It is possible, due to the investment performance of the allocations in the Bond Portfolio and the allocations in the permitted subaccounts that have been selected, that the account value could be more than 90% invested in the Bond Portfolio. (click) No annuitization or systematic withdrawals required* – You do not have to annuitize or surrender the contract, or begin taking systematic withdrawals to receive the guarantee amount. (click) May be elected or cancelled at any time** – HD GRO II may be cancelled at any time. If cancelled, HD GRO II may be re-elected on any day beginning with the following business day (provided investment allocation requirements are in good order). May vary by state and/or broker/dealer. Please note, the fee for HD GRO II may be higher upon re-election. Any and all guarantees are lost upon cancellation. The benefit fee ends upon cancellation. Withdrawals reduce all guarantees proportionally * While annuitization is not required to receive income under these benefits, there is a maximum date by which annuity payments must begin under the terms of the annuity. **Can be elected either at contract issue or after the contract is issued. If cancelled, HD GRO II can be re-elected on any day beginning the following business day, assuming the account value is allocated to the permitted investments. * While annuitization is not required to receive income under these benefits, there is a maximum date by which annuity payments must begin under the terms of the annuity. ** Can be elected either at contract issue or after the contract is issued. If cancelled, HD GRO II can be re-elected on any day beginning the following business day, assuming the account value is allocated to the permitted investments. May vary by state. Please note that you will lose any and all guarantees upon cancellation.

Guaranteed Return OptionSM Plus II (GRO Plus II)
Optional Module #5 Guaranteed Return OptionSM Plus II (GRO Plus II) Please hide this slide when presenting. If presenting, please use all of the slides in this module. Slides [38-42] Available with Advanced Series variable annuities only

Help Secure Your Future
Protect Retirement Savings Guaranteed minimum account value after 7 years* Capture Investment Growth Opportunities to lock in higher values for greater guarantees A variable annuity with Guaranteed Return Option Plus II (GRO Plus II) can help you plan for a secure retirement. You’ll have opportunities to realize greater guarantees with the certainty that your purchase payments will be guaranteed after seven years. (click) Protect Retirement Savings – With an initial guarantee that your account value will be equal to 100% of your purchase payments* seven years after the benefit is elected. (click) Capture Investment Growth – By locking in an enhanced guarantee at any time, each year, while retaining your initial guarantee**. Automatic Step-up Option – An enhanced guarantee is automatically locked in if your account value as of that benefit anniversary exceeds your highest guarantee by 7% or more. * Purchase payments are adjusted for any credits or withdrawals. If adding GRO Plus II to an existing annuity, your initial guarantee equals the account value at the time of benefit election. ** Election of an enhanced guarantee supersedes any prior enhanced guarantee and begins a new seven-year waiting period. * Purchase payments are adjusted for any credits or withdrawals. If adding GRO Plus II to an existing annuity, the initial guarantee equals the account value at the time of benefit election. ** Election of an enhanced guarantee supersedes any prior enhanced guarantee and begins a new seven-year waiting period.

Variable Annuity with GRO Plus II… How It Works
ACCOUNT VALUE without GRO Plus II ENHANCED GUARANTEE ENHANCED GUARANTEE Let’s take a look at GRO Plus II in action… The base guarantee (click) stays in place on each benefit anniversary from year 7 on, as long as the benefit is in force. Let’s assume you take a step up at age 57 (click to reveal the first Enhanced Guarantee). This now represents the “enhanced” guarantee, which matures 7 years from the step-up point and every benefit anniversary thereafter (age 64 in this example). Now let’s assume you take another step up, this time at age 59 (click to reveal the second Enhanced Guarantee). This step up replaces the previous step up you took at age 57. You will always retain his most current enhanced step-up amount and his base guarantee amount. In this example those are your initial purchase payment, maturing at age 62, and your second enhanced guarantee, maturing at age 66. Speaker notes: Emphasize You never lose your base guarantee, even if you step up to an “enhanced” guarantee amount If guarantee is stepped up, you have the flexibility to cancel your “enhanced” guarantee at any point and retain your base guarantee In addition, you can elect in advance to automatically step up your enhanced guarantee on any benefit anniversary where the account value is at least 7% higher than the current highest guarantee amount. You can always elect to step up the base or enhanced guarantee on any benefit anniversary where the account value is higher than the current highest guarantee amount, regardless of whether or not you have elected the automatic step-up feature. INITIAL PURCHASE PAYMENT BASE GUARANTEE 62 Age 64 66 This hypothetical example is for illustrative purposes only and is not meant to represent the performance of any specific annuity.

When your account value is down… When your account value is up… Stock-Based Portfolio How does GRO Plus II offer protection against market downturns? During periods of market decline, a portion of the account value may be automatically transferred from the variable, stock-based portfolios you selected to a target maturity bond portfolio. When markets move up, money may be transferred back. This process could limit somewhat your ability to benefit from market recoveries, but it does help protect against market volatility and help reduce risk. When markets are down (click)…a portion of your account value moves from the stock-based portfolio(s) into the applicable bond portfolios When markets move up (click)…a portion of your account value moves from the applicable bond portfolios back into the stock-based portfolio(s) Speaker, please read the following to the audience: Guaranteed Return Option Plus II (GRO Plus II) uses a predetermined mathematical formula to help manage your guarantee through all market cycles. Each business day, the formula determines if any portion of your account value needs to be transferred into or out of certain AST Bond Portfolio Subaccounts (the "Bond Portfolios"). Amounts transferred by the formula depend on a number of factors unique to your individual annuity and include: (i) The difference between the account value and your Guarantee Amount(s); (ii) The amount of time until the maturity of your Guarantee(s); (iii) The amount invested in, and the performance of, the permitted subaccounts; (iv) The amount invested in, and the performance of, the Bond Portfolios; (v) The discount rate used to determine the present value of your Guarantee(s); and (vi) The impact of additional purchase payments made to and withdrawals taken from the annuity. Therefore, at any given time, some, none, or most of the account value may be allocated to the Bond Portfolios. Transfers to and from the Bond Portfolios do not impact any guarantees that have already been locked in. Any amounts invested in the Bond Portfolios will affect your ability to participate in a subsequent recovery within the permitted subaccounts. Conversely, the account value may be higher at the beginning of the recovery; e.g., more of the account value may have been protected from decline and volatility than it otherwise would have been had the benefit not been elected. Please note: You may not allocate purchase payments or transfer account value into or out of the Bond Portfolios. See the prospectus for complete details. Bond Portfolio

GRO Plus II – At a Glance Optional Benefit Annual Benefit Charge* Minimum Issue Age Maximum Issue Age Flexible Election Options** GRO Plus II 0.60% None (80 in NY) Subject to the annuity product selected and may vary by state or broker/dealer Invest in a range of asset allocation options spanning four diverse investment strategies, or create a portfolio from individual investment options Let’s look at the specs (Read Slide). We offer a variety of investment options that can be as simple or sophisticated as you want to make them. Choose from one or more of 15 turnkey asset allocation portfolios including traditional, alternative, quantitative and tactical strategies; OR Create a personalized portfolio from a broad spectrum of individual investment options* * When creating a personalized portfolio, certain subaccount limitations may apply and a minimum allocation of 20% will need to be maintained in one or more of the eligible bond subaccounts. Please refer to the prospectus for complete information. Alternative investments are speculative and include a high degree of risk. You could lose all or a substantial amount of your investment. Alternative investments are suitable only for long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. * Annual benefit fees are assessed against the average daily net assets of the subaccounts. Benefit fees are in addition to fees and charges associated with the basic annuity. Please note that, upon step-up, the fees may be higher. See the prospectus for complete details. ** When creating a portfolio, certain subaccount limitations may apply and a minimum 20% allocation to one or more of the eligible bond subaccounts will need to be maintained. For a list of available asset allocation portfolios and subaccounts, please refer to the prospectus. Asset allocation does not ensure a profit or protect against loss. Certain asset allocation portfolios may not be available with optional benefits.

At a Glance Flexibility and Control Spousal Continuation 90% Cap
No annuitization or systematic withdrawals are required* May be elected or cancelled at any time** HD GRO II offers you a measure of (click) flexibility and control over your retirement assets (click) Spousal Continuation – The surviving spouse can elect to assume the annuity contract and continue the GRO Plus II benefit, with no interruption to the initial or enhanced guarantee. (click) 90% Cap – This feature limits the amount that can be transferred into the AST Bond Portfolios to 90% of the account value. Once the cap is reached, no additional transfers will be made until a transfer out of the AST Bond Portfolios has occurred. It is possible, due to the investment performance of the allocations in the Bond Portfolio and the allocations in the permitted subaccounts that have been selected, the account value could be more than 90% invested in the Bond Portfolio. (click) No annuitization or systematic withdrawals required* – You do not have to annuitize or surrender the contract, or begin taking systematic withdrawals to receive the guarantee amount. (click) May be elected or cancelled at any time** – GRO Plus II may be cancelled at any time. If cancelled, GRO Plus II may be re-elected on any day beginning with the following business day (provided investment allocation requirements are in good order). May vary by state and/or broker/dealer. Please note, the fee for GRO Plus II may be higher upon re-election. Any and all guarantees are lost upon cancellation. The benefit fee ends upon cancellation. Withdrawals reduce all guarantees proportionally. * While annuitization is not required to receive income under these benefits, there is a maximum date by which annuity payments must begin under the terms of the annuity. **Can be elected either at contract issue or after the contract is issued. If cancelled, GRO Plus II can be re-elected on any day beginning the following business day , assuming the account value is allocated to the permitted investments. * While annuitization is not required to receive income under these benefits, there is a maximum date by which annuity payments must begin under the terms of the annuity. ** Can be elected either at contract issue or after the contract is issued. If cancelled, GRO Plus II can be re-elected on any day beginning the following business day, assuming the account value is allocated to the permitted investments. May vary by state. Please note that you will lose any and all guarantees upon cancellation.

A Rock Solid® Company 133 years of experience in helping to grow and protect wealth Helping customers secure their retirement One of the most recognized brands in the U.S. It’s brought to you by Prudential Financial, Inc., a Rock Solid® organization (click) with over 133 years of experience in helping people grow and protect their wealth. With a focus on sound risk management, (click) we have long pioneered innovative strategies that help our customers secure their retirement. (Speaker: click to explain the last bullet and click to animate the logo)

& Questions Answers Thank You!
Let me leave you with this. You’re now armed with some very powerful information and have been exposed to an investment solution that may help you overcome the various challenges of retirement. The time to make smart choices is now. After all, retirement should be the time of your life. If you don’t currently work with a financial professional, I’d be happy to meet with you. Please see me before you leave, and we can schedule an appointment. Now I’d be happy to take your questions.

Investors should consider the contract and the underlying portfolios’ investment objectives, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectus, which can be obtained from your financial professional. Please read the prospectus carefully before investing. Your needs and suitability of annuity products and benefits should be carefully considered before investing. This material was prepared to support the marketing of variable annuities. Prudential, its affiliates, its distributors and their respective representatives do not provide tax or legal advice. Any tax statements contained herein were not intended to be used for the purpose of avoiding U.S. federal, state or local tax penalties. Please consult your own advisor as to any tax or legal statements made herein. Read Slide

A variable annuity is a long-term investment designed to create guaranteed income in retirement. Investment returns will fluctuate and the principal value, when redeemed, may be worth more or less than the original investment. Withdrawals or surrenders may be subject to contingent deferred sales charges. Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59 ½, may be subject to an additional 10% federal income tax penalty. Withdrawals, for tax purposes, are deemed to be gains out first. Withdrawals can reduce the account value and the living and death benefits. Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Your licensed financial professional can provide you with complete details. Optional benefits may not be available in every state and may not be elected in conjunction with certain optional benefits. Optional benefits have certain investment, holding period, liquidity, and withdrawal limitations and restrictions. The benefit fees are in addition to fees and charges associated with the basic annuity. Please see the prospectus for more information. Read Slide

Fixed income investments are subject to risk, including credit and interest rate risk. Because of these risks, a subaccount’s share value may fluctuate. If interest rates rise, bond prices usually decline. If interest rates decline, bond prices usually increase. Alternative investments are speculative and include a high degree of risk. You could lose all or a substantial amount of your investment. Alternative investments are suitable only for long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. Prudential Annuities does not provide tax, accounting, or legal advice. Please consult with your own attorney or accountant. Because qualified retirement plans, IRAs and variable annuities offer a tax-deferral feature, you should carefully consider the other features, benefits, risks, and costs associated with a variable annuity before purchasing one in either a qualified plan or an IRA. Before purchasing a variable annuity you should take full advantage of your 401(k) and other qualified plans. All guarantees, including optional benefits, are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options. Read Slide

© 2010 The Prudential Insurance Company of America
Variable annuities are issued by Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), Newark, NJ and distributed by Prudential Annuities Distributors, Inc., Shelton, CT. All are Prudential Financial companies and each is solely responsible for its own financial condition and contractual obligations. Prudential Annuities is a business of Prudential Financial, Inc. Prudential, Prudential Financial, Prudential Annuities, the Rock logo and the Rock Prudential logo and The Retirement Red Zone are registered service marks of The Prudential Insurance Company of America and its affiliates. © 2010 The Prudential Insurance Company of America Issued on forms: P-RID-HD6(2/10), P-RID-HD6-LIA(2/10), P-RID-HDGRO(11/09), P-RID-GRO(2/10), et al or state variation thereof. Read Slide [WO# 91207]

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