1. Adviser use only. Not approved for use with clients. PruProtect Vitality with Lite Rewards. PRUPM10800UBD 28.02.11

2. Adviser use only. Not approved for use with clients. ‘Encourage people to live a healthier lifestyle and reward them for doing so’ The objective of the Vitality programme PRUPM10800UBD 28.02.11

3. Adviser use only. Not approved for use with clients.  Our aim is to make people healthier and improve the quality of their lives.  All PruProtect policyholders automatically become a member of our unique Vitality programme with Lite Rewards.  Vitality with Lite Rewards is designed to promote a holistic approach to health and wellbeing.  Vitality aims to achieve behavioural change by providing people with the opportunity to look after themselves and rewarding them for doing so. What is the Vitality programme all about? PRUPM10800UBD 28.02.11

4. Adviser use only. Not approved for use with clients. Three stages of Vitality Understanding your health status and goals. Getting and staying healthy. Enjoying the rewards. 3 PRUPM10800UBD 28.02.11

5. Adviser use only. Not approved for use with clients. Points correct at June 2010 StatusPer adult Bronze0 Silver800 Gold1600 Platinum2400 Improve Vitality status by earning Vitality points PRUPM10800UBD 28.02.11

6. Adviser use only. Not approved for use with clients. Screening Not smoking Exercise Nutrition Education Screening We believe there are 5 key areas to focus on to lead a healthier lifestyle PRUPM10800UBD 28.02.11

7. Adviser use only. Not approved for use with clients. Meet your daily walking targets using a Fitbug interactive pedometer Have a full body check-up with one of our health screening partners Use our online stress assessments to manage your stress levels Not smoking Buy eligible sporting goods from eBay Use the online nutrition tools Examples of how to earn Vitality points PRUPM10800UBD 28.02.11

8. Adviser use only. Not approved for use with clients. Points awarded = 1720 - Achieves Gold status Points example Achieve Gold status in 9 months Basic health screen (Lifestyle Health Assessment) 3 workouts/week Stress tools Month 2 & 9 Every week for 9 months Month 4 100 Health Review Month 1 200 Non-smoking Declaration Month 3 100 200 100 1080 240 Points correct at June 2010 PRUPM10800UBD 28.02.11

9. Adviser use only. Not approved for use with clients.  Having a health screen at the right time could mean that you pick up early signs of chronic conditions such as cancer, or heart disease.  Early diagnosis can result in faster and more effective treatment. Screening and fitness assessments Note: The cost of either two health screens or two fitness assessments or one of each will be subsidised at anytime per policy year.* * If members choose to have their fitness assessment with Virgin Active or LA Fitness, this will remain free of charge. The new Nuffield Health MOT assessment will be free for Nuffield Health Fitness and Wellbeing gym members, but non-members will be charged £40. PRUPM10800UBD 28.02.11

10. Adviser use only. Not approved for use with clients. PointsPoints limit per year Personal health review on the Member Zone 100 Create a meal plan50 100 Stress Assessment 10 per assessment 100 Set yourself a Lifestyle Personal goal like maintaining your physical activity level Variable The benefits of learning about the basic facts of health are obvious PLUS you can earn Vitality points. Points correct at June 2010 How to earn Vitality points Education & personal goals PRUPM10800UBD 28.02.11

11. Adviser use only. Not approved for use with clients. PointsPoints limit per week Workout at participating gym 10 points per workout40 points per individual (4 workouts per week) We’ve partnered with some of the UK’s leading gym networks to offer you the potential for cheaper gym memberships Points correct at June 2010 How to earn Vitality points Gyms PRUPM10800UBD 28.02.11

12. Adviser use only. Not approved for use with clients. Target steps per day10,000-12,49912,500+ Vitality points510 National and International activities with published results 1 star events2 star events Vitality points1020 Exercise30 min @ 60% MHR60 min @ 60% MHR Vitality points510* Per purchase on eligible sporting goods Vitality points20 Maximum of three purchases per year Points correct at June 2010 *10 points per day from any exercise activity (except 2 star Active Europe events). Maximum 40 points per week. How to earn Vitality points Exercise PRUPM10800UBD 28.02.11

13. Adviser use only. Not approved for use with clients.  All policyholders who have a PruProtect Plan that started on or after the 16th November 2008 receive automatic membership to the Vitality programme with Lite Rewards, and a premium structured so that it remains level or decreases depending on engagement in the programme*.  Policyholders who have a PruProtect Plan that started before the 16th November 2008 receive automatic membership to the Vitality programme with Full rewards but with a premium structured so that it could increase depending on engagement in the programme. * Does not apply to the Essentials Plan. Vitality with Lite Rewards PRUPM10800UBD 28.02.11

14. Adviser use only. Not approved for use with clients. WHAT’S DIFFERENT?  The way your Vitality status affects premiums*.  Level of discounts received at Vitality partners. WHAT’S THE SAME  Access to the same partners  Points are earned in the same ways.  Same amount of points are needed to improve your Vitality status.  Vitality status determines the level of discount received with some partners. * Does not apply to the Essentials Plan. How does the Vitality programme with Lite rewards compare to the Vitality programme with full rewards for PruProtect Plans? PRUPM10800UBD 28.02.11

15. Adviser use only. Not approved for use with clients. Engagement levelVitality status Annual premium Change* High engagementPlatinum -2.25% Medium engagementGold -1% Modest engagementSilver No change No or low engagementBronze +2.25% If the indexation option is selected this will affect future changes to the premiums * Does not apply to the Essentials Plan. Impact of Vitality status on premiums with Vitality programme with full Rewards PRUPM10800UBD 28.02.11

16. Adviser use only. Not approved for use with clients. Engagement levelVitality status Annual premium change* High engagementPlatinum -2% Medium engagementGold -1.5% Modest engagementSilver -1% No or low engagementBronze No change If the indexation option is selected this will affect future changes to the premiums * Does not apply to the Essentials Plan. Impact of Vitality status on premiums with Vitality programme with Lite Rewards PRUPM10800UBD 28.02.11

17. Adviser use only. Not approved for use with clients. Vitality status Vitality programme with full rewards* Vitality programme with Lite Rewards* Platinum -2.0% Gold -1.5% Silver -1.0% Bronze No change -2.25% -1.0% No change +2.25 If the indexation option is selected this will affect future changes to the premiums * Does not apply to the Essentials Plan. Comparing impact of Vitality status on premiums PRUPM10800UBD 28.02.11

18. Adviser use only. Not approved for use with clients. Vitality with Lite Rewards pricing. PRUPM10800UBD PRUPM10800UBD 28.02.11

19. Adviser use only. Not approved for use with clients. * Prices correct at June 2010 25% off for full members The discount applies to the usual price for full individual monthly memberships. It cannot be used in conjunction with any other offer. A £25 activation fee applies for new gym members. 20% off standard retail Lite Rewards Pricing: Gyms PRUPM10800UBD 28.02.11

20. Adviser use only. Not approved for use with clients. Basic screeningPartnership details Retail Price Your price Roadtohealth 50% off usual retail price for all members £59.95£30.00 BMI Essentials £150.00£75.00 BMI Select£295.00£147.50 The Diagnostic Clinic£150.00£75.00 Nuffield Female Health Assessment£270.00 £135.00 Nuffield Lifestyle Health Assessment (male & female)£230.00£115.00 Full screening BMI Advanced (male) 50% off usual retail price for all members £425.00£212.50 BMI Advanced (female)£460.00£230.00 BMI Advanced Plus (male)£580.00£290.00 BMI Advanced Plus (female)£615.00£307.50 The Diagnostic Clinic£500.00£250.00 Nuffield 360 Health Assessment (male)£445.00£222.50 Nuffield 360 Health Assessment (female)£460.00£230.00 Nuffield 360+ Health Assessment (male)£595.00£297.50 Nuffield 360+ Health Assessment (female)£610.00£305.00 Prices correct at March 2010. For the latest prices go to pruprotect.co.uk Lite Rewards Pricing: Screening PRUPM10800UBD 28.02.11

21. Adviser use only. Not approved for use with clients. BronzeSilverGoldPlatinum Standard price £85£60£40£25 Leisure select supplement – additional £55  Return trips to Paris, Lille or Brussels (3 per year)  Average retail £150 BronzeSilverGoldPlatinum Unlimited price £100£90£75£55 West End£120£110£95£75  Unlimited annual card allows cardholders to access any film, any day, any time at any of the 74 cinemas  Retail - £162 (exc West End) BronzeSilverGoldPlatinum Discount5%6%7.5%15% Non-members – 5% discount for an additional adult and up to five children  Mark Warner provide holidays to a range of beach and ski resorts BronzeSilverGoldPlatinum Standard single £130£115£100£75 Based on per person per night. Tring supplement:£25 per person. Saturday night supplement: £30 per person.  Discounts on stays at Champneys health resorts  Includes a 25 minute body massage and all meals  Retail for standard single £179*  3 per year Prices correct at March 2010, *Rate shown based on a Friday night stay at Forest Mere. For the latest prices go to pruprotect.co.uk Lite Rewards Pricing: Partners PRUPM10800UBD 28.02.11

22. Adviser use only. Not approved for use with clients. How to book your rewards. PRUPM10800UBD 28.02.11

23. Adviser use only. Not approved for use with clients.  Locate your preferred Nuffield, Virgin Active or LA Fitness club using our gym finder www.pruprotect.co.uk/gym_locator/index.htm  Call your preferred club to arrange an appointment to view the facilities  Take your PruProtect membership card and one other form of identification. If you like what you see sign up there and then  For LA Fitness you can sign up online at www.lafitness.co.uk/pruhealth  For Nuffield Fitness & Wellbeing centres and Virgin Active please visit pruprotect.co.uk and log in to the Member Zone to authorise your health club payments and activate your membership Joining the gym PRUPM10800UBD 28.02.11

24. Adviser use only. Not approved for use with clients. At Virgin Active, LA Fitness or Nuffield Health Fitness & Wellbeing centres*  Locate your club of choice www.pruprotect.co.uk/gym_locator/index.htm  Call to book in for the assessment at the club directly  Bring your PruProtect membership card to the fitness assessment Booking a fitness assessment * Fitness assessment is free at Virgin Active and LA Fitness and £40 at Nuffield Health centres if you are not a member. PRUPM10800UBD 28.02.11

25. Adviser use only. Not approved for use with clients. Vitality works! PRUPM10800UBD PRUPM10800UBD 28.02.11

26. Adviser use only. Not approved for use with clients. When it comes to changing behaviours, exercise, health education and diet are some of the key areas of customer focus Driving behavioural change Source: PruHealth / Ipsos Mori – Vitality Engagement Research 2009 Sample Size: 1,000 PRUPM10800UBD 28.02.11

27. Adviser use only. Not approved for use with clients. Affirmation, encouragement, education and rewards for effort are key drivers to engagement Source: PruHealth / Ipsos Mori – Vitality Engagement Research 2009 Sample Size: 1,000 The key motivators behind engagement PRUPM10800UBD 28.02.11

28. Adviser use only. Not approved for use with clients. Source: PruHealth / Ipsos Mori – Vitality Engagement Research 2009 Sample Size: 680 customers who had changed their behaviour as a result of the Vitality Programme NB: 40% answered none Activities undertaken in order to earn Vitality points Point earning activities PRUPM10800UBD 28.02.11

29. Adviser use only. Not approved for use with clients. Reward activities Source: PruHealth / Ipsos Mori – Vitality Engagement Research 2009 Sample Size: 680 customers who had changed their behaviour as a result of the Vitality Programme NB: 45% answered none Activities undertaken in order to receive discounts through reward partners PRUPM10800UBD 28.02.11

30. Adviser use only. Not approved for use with clients. Vitality Member Zone. PRUPM10800UBD 28.02.11

31. Adviser use only. Not approved for use with clients.  Complete your Health Review  View your Vitality statement  Set Health and Lifestyle Goals  Complete a stress assessment  Create a healthy meal plan  Activate your gym membership online  Find out about Vitality partners  Register your eBay ID and start earning points  Submit your screening points  Update and maintain your personal details Examples of things you can do on the PruProtect Member Zone PRUPM10800UBD 28.02.11

32. Adviser use only. Not approved for use with clients. Vitality case studies. PRUPM10800UBD 28.02.11

33. Adviser use only. Not approved for use with clients. Example Achieving Silver and then Gold status PRUPM10800UBD 28.02.11

34. Adviser use only. Not approved for use with clients. Example Moving from Bronze to Gold status in nine months David starts on Bronze Vitality status. By making the effort to be healthy across all areas of Vitality David can improve his status and receive greater renewal rewards and greater discounts with Vitality reward partners. David ActivityPoints Complete Health Review100 Non-smokers declaration200 Stress tools on MZ100 2 workouts/week780 Fitness assessment – fairly healthy results 300 Create 2 x meal plans100 1,640 TOTAL VITALITY POINTS STATUS Gold Purchase eligible sporting goods from eBay 60 PRUPM10800UBD 28.02.11