Prudential Financial, Inc.

1. Prudential Financial, Inc. • Who is Prudential? • Founded more than 130 years ago in Newark, NJ • In the Fortune 500 – named one of America’s Most Admired Companies by Fortune Magazine in 2010 • Core services include life insurance, annuities, retirement, mutual funds, investment management and real estate, offered to individual and institutional clients worldwide • $641 billion of assets under management in 2009 with operations in the U.S., Asia, Europe and Latin America • Approximately 20,000 active domestic employees

2. Health is a state of complete physical,mental and social well-being and not merelythe absence of disease or infirmity. Our Approach

3. Prudential’s Approach to Health “Health is a state of complete physical, mental and social well-being and not merely the absence of disease or infirmity.”1 – World Health Organization Prudential is committed to improving health and well being in every part of our population. Multidisciplinary team of nurses, physicians, exercise physiologists, registered dietitians, EAP, safety, business and administrative professionals overseeing a broad array of programs and services such as onsite clinics, fitness centers, EAP counseling, health screenings, coaching, etc. Early adopter of Mental Health parity in benefit design. All medical programs cover preventive services at 100%. Introduced consumerism programs in 2006. Top priorities include integrating health & productivity and eliminating health disparity in population. 1. World Health Organization; http://www.who.int/about/definition/en/print.html

4. Evolution of Health & Wellness Programs at Prudential 2010: Healthy Team Award, Lifestyle Challenge, Wellness Champions, Weight Watchers Subsidy (30%) 2009:Culture of Health Webinars, Know Your Numbers, Healthy Stairwells, THM Strategy, Nutritionist 2008:Expanded Health Coaching (Healthyroads) 2007:Wellness Incentive (HRA), PruToday Healthy Living Series 2006:Internal Health Coaching, Prudential Health Solutions (HRA), Total Health Management, CDHP & HDHP 2005: Biometric Screenings - Cholesterol, Glucose, Blood Pressure, BMI/Body Fat; Onsite Clinics, Travel Consultations, Data Warehouse, Intranet Site, Flu Vaccines, Health Fairs, Care Counselors, Ask The Doctor, Hypertension Mgt Program, Wellness Seminars, Child Care Discounts, On-site Fitness Centers and Discounts, Prudential Life Solutions, EAP Services Internal/External

5. Senior Level Champion • CEO voices support for health • Endorsed healthy lifestyles in Corporate Diversity Statement • “I’m convinced that a healthy lifestyle contributes to a stronger mind and body and to overall life success. As leaders of a workforce… if follows that we would do what we can to help our employees achieve their personal best as well. That’s why we are building a culture of health at Prudential…”

6. Identifying Organizational Needs • Health Risk Assessment • Surveys • Health Screenings • Focus Groups • Analyzing healthcare cost trends (Thompson) • Aligning with company mission and goals

7. Multi-channel Communication Strategy • Available and accessible to all active employees • Healthy Living Articles on our Intranet • Culture of Health Webinar Series • Personal Success Stories on Pru Today and Leader Magazine • Intranet Home Page links to Healthy Food Choices offered by Dining Services • Home mailers during benefit enrollment period

8. Health, Life and Wellness Intranet Site • Valuable tool for health improvement messaging • Bulletins and events for health improvement and programming messages • Wellness calendars with upcoming programs • Linked throughout the company intranet and many of our business division sites

9. Health, Life and Wellness Intranet Site

10. Communication to Business Leaders • Well communicated at company meetings, town halls and via lived/taped videocasts • Business group specific reports • Summarize results of H&W initiatives • Disability and medical cost data • Recommendations based on business unit results • Consult with managers and attend employee meetings

11. Communication to Business Leaders

12. Prudential HealthSolutions • Powered by WebMD • HQ (health risk assessment) • Communicates our services • Messaging regarding health resources dependent on HRA risk status • Health condition centers and lifestyle improvement programs • Incorporated into Health Lifestyle Challenge

13. Prudential HealthSolutions

14. PrudentialLifeSolutions • Advice and support from an expert who will listen and help you develop a plan of action • Useful materials, such as guidebooks, checklists, kits, and more • Referrals to local resources • Up-to-date information about care regulations, public benefits, and other financial and insurance issues • Option to connect with Spanish speaking specialists • Spanish language guides and tips also available on-line

15. On-site Communication • Posters and flyers at on-site clinical locations • Health and wellness health fairs and table events • Signs posted in stairwells and at elevator banks to encourage stairwalking • Lunch and Learn programs • Wellness programs included in PruFit Weekly updates and Fitness advertised at clinical sites

16. Reaching Diverse Populations • Communicate to diverse populations throughout Business Resource Groups • Health information presented at local and national meetings • Communication ramped up during Diversity Recognition Month • Presentations on Prudential’s health disparity research • Links to H&W site on Diversity site and vice versa

17. Wide Range of Employee Preferences • Biometric Screenings or Free Preventive care through the Medical Plans • Free Nutritional counseling by on-site RD or 30% Weight Watchers’ Discount • Physical activity, stair walking or on-site Fitness Centers • Healthy Living Challenges, Health Coaching, Life Coaching or Healthy Lifestyle Webinars • On-site free flu vaccines and travel medicine • “Mothers at Work” program available to all employees and spouses regardless of medical coverage

18. Incentives • Merchandise for participation • Prizes for achieving goals • Days off • Show me the Money! • Be Creative! • Legal and tax issues

19. Integration key to Engagement • Wellness Incentive of $150 to complete HQ • Biometric screening offered at 20+ sites • Encouraged to print HQ results for on-site clinic consultation and/or personal physician • Referred to Health Coaching • Internal health/nutrition/exercise coaching • Opt-in telephonic coaching –option given upon HQ completion or in ongoing communication

20. Healthyroads Health Coaching • Four types of coaching available • Weight Management • Tobacco Cessation • Healthy Living • Childhood Programs • Employees and dependents eligible for 52 free sessions annually • Registered dieticians, certified personal trainers, health educators, registered nurses • Healthy Living Kits after 3 sessions

21. Keys to Success • Integration of program goals • Easy and varied points of access • Holistic, individualized approach to choices • Focused on affecting behavior change and lowering health risks • Senior level commitment to health and well-being • Business and vendor partnerships

22. Health Outcomes • 75% of current population completed HQ • 7% of participants quit smoking • 8% increased exercise level • 8% lowered cardiovascular risk • 12% lowered cholesterol risk • 5% of population in Health Coaching • 53% lost weight • 66% increased physical activity • 54% lowered stress

23. Future Considerations • Modification of incentive structure to recognize actions promoting behavior change • Continue to monitor long-term behavior change, risk and health cost trends • Leading indicators focused on modifiable health risks, as well as, engagement • ROI is a lagging indicator/difficult to calculate • Measure impact of specific programs with “Engagement” and doing the right things

24. Questions