1. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 Trends in Benefits Web Technology: 2006 Research Among Benefits Plan Sponsors

2. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 Introduction

3. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 3 Research Objectives  The availability of group life and disability web tools for use by benefits plan administrators and plan participants.  The frequency of use of group life and disability web tools by plan administrators.  The satisfaction of plan sponsors with the performance of group life and disability web tools, in terms of functionality, navigation, content, and accessibility—for plan administrators and participants.  The primary objectives of plan sponsors who have implemented benefits web tools and how well those objectives have been met. To determine through market studies:

4. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 4 Study of Employee Benefits: 2006 & Beyond Region # Employees Industry

5. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 5 2006 Plan Sponsor Web Benchmarking Study Group Life Web TechnologyGroup Disability Web Technology

6. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 6 Frequency of Using Benefits Web Tools Among Plan Administrators

7. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 7 Functionality Used Most Frequently by Plan Administrators % Doing Each Activity Online Daily or Weekly Net Daily/ Weekly

8. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 8 Usage of Benefits Web Technology by Company Size Frequency of UseNumber of Functions Used* *Low = 2 functions or less; Medium = 3 to 9 functions; High = 10 or more functions

9. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 9 Plan Sponsors Making Benefits Web Tools Available to Employees % of Companies Providing Employees Access to These Tools

10. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 10 Plan Sponsors Making Benefits Web Tools Available to Employees—By Company Size 68% 59% 48% 10,000+ Employees 1,000-9,999 Employees 100-999 Employees

11. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 Theme I Removing Barriers to Promote Usage

12. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 12 Removing Barriers Number of Functions Used* *For number of functions used, the categories were created by counting the number of functions used on a daily or weekly basis: Low = 1 function or less; Medium = 2 to 9 functions; High = 10 to 12 functions Online Tool Usage Overall Satisfaction of Web Benefits Technology— By Usage and Number of Functions Used

13. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 13 Ease of Navigation is Key to a Positive User Experience and to Increasing Utilization Benefits Website Attributes: Plan Sponsor Satisfaction vs. Importance -12 Gap-2 Gap+26+21+34

14. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 14 Site Navigation Needs to be More Intuitive for the Less Frequent Users Plan Sponsor Satisfaction With Navigation of Benefits Websites— By Frequency of Use

15. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 15 Removing Barriers to Promote Usage SIGN ON  Employer Portal access 24x7x365 with single sign on  Employee Portal access 24x7x365 TRAINING  Multi-channel approach NAVIGATION  Consistent across sites—plus site instruction COST  Online services at no additional cost ACCESSIBILITY  Employee websites for visually-impaired users

16. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 Theme II Making Plan Administration Easier to Realize Cost Savings

17. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 17 Plan Sponsors Expect Greater Efficiency from Use of Benefits Web Tools Extent to Which Benefits Web Technology Makes Job Easier Ease for Plan AdministratorsBy Company Size

18. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 18 -32 Gap-29 Gap -26 Gap-24 Gap-22 Gap But Time and Cost Savings Have Yet to Be Fully Realized Benefits Website Attributes: Plan Sponsor Satisfaction vs. Importance -39 Gap

19. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 19 Making Plan Administration Easier to Realize Cost Savings ONLINE / IVR ENROLLMENT  For Employers—reduces involvement  For Employees—simplifies process EOI CONNECT EOI SELF-CONNECT  For Employers—reduces involvement  For Employees—simplifies process CLAIM SUBMISSION  Minimizes time requirements MANAGEMENT INFORMATION  Reports that help with decision-making

20. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 Theme III The Future Looks Bright—Coming Soon

21. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 21 The Future Looks Bright—Coming Soon +21+16 +30+28+25+24+21 Areas of Greatest Future Growth for Web Benefits Tools Point Change Plan SponsorsEmployees

22. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 22 13%16%30%28%13% Increased Adoption of Benefits Web Technology will Continue in Many Industries 32% 13% 16% 30% 28% 13% 3% 20% 31% 29% 13% 4% 20% 34% 26% 12% 19% 20% 34% 20% 6% 17% 14% 26% 9% 23% 39% 16% 8% 9% AT THE FOREFRONT of technology SOMEWHAT AHEAD of the market in adopting new technologies KEEP PACE with the market in adapting new technologies TEND TO FOLLOW the market and only adopt proven technologies RELY ON LEGACY technologies All EmployersHeavy IndustryManufacturingSales/TradeFinance/Ins/Real EstateServices Plan Sponsor Willingness to Adopt New Technology—By Industry % of Total Sample

23. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 23 The Future Looks Bright ENHANCED EMPLOYER AND EMPLOYEE SITES  Design  Navigation EXPANDED SINGLE SIGN ON CAPABILITIES  Enrollment  Employee Self Service COMBINED ONLINE SCREENING  Life  Disability

24. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 Questions & Answers

25. The Prudential Insurance Company of America; Newark, NJ IFS-A134559Ed. 6.2007 25 Thank you for your participation. If you would like more details about today’s presentation or our web capabilities, please contact your account manager or local Prudential sales representative. Questions & Answers