"What does the name Prudential mean to you?" You can ask just about anyone in America, and the answer is almost always the same: The Rock^®. The Rock is an American icon, built through more than a century of promises kept. It conveys a powerful image of strength and stability. This tremendous brand strength is one reason why so many Americans rely on Prudential to help them protect the things that matter most.

Nine million Americans now rely on Prudential Financial for insurance to secure their families, businesses, homes, cars and other high-value assets. This number is a tremendous source of pride to us at Prudential—and a great motivation to accomplish even more.

But reputation is only one stepping stone to market leadership. The key to winning is to offer the range of choices, product flexibility and objective advice that today's customers need. This is our commitment to customers: Strive to deliver the strongest protection product lineup in the industry with more choice and flexibility.

More and more investors are looking to annuities to help grow and protect their wealth over the long term. It's easy to see why.

Annuities offer attractive features like tax-deferred growth potential, death benefit options, flexible contribution and distribution rules, and reliable streams of retirement income.

Investors who choose Prudential Financial for annuities will find an exciting array of options, highlighted by our newest offering from Pruco Life Insurance Company, the Strategic Partners^SM Variable Annuity line.

Strategic Partners features three choices—our flagship Annuity One, plus the new Select and Advisor products—all based on our proprietary, research-driven approach to money management. Prudential Financial employs a rigorous evaluation process to select and monitor money managers for the investment portfolios within each Strategic Partners variable annuity product. For our clients, this means access to a broader pool of talented and specialized money managers—and competitive performance potential.

From irrational exuberance to illogical fear, stock markets of the past decade have given investors a wild ride—and given rise to a new American pastime. Today's investors have an enormous appetite for business news and stock market analysis.

What investors are seeking most is guidance, which serves to emphasize the value of, and the need for, what a full-service brokerage can provide. At Prudential Financial, we've built a business that's uniquely suited to the needs of our more than 3.6 million affluent customers (based on income or investable assets).

Prudential Financial helps clients sift through the "noise" in the marketplace, with personalized advice from more than 5,000 financial advisors. That advice is backed by the work of an objective research team that includes award-winning analysts and covers more than 40 industries, a total of more than 500 stocks and closed-end funds, and includes some of the most well-respected and oft-quoted analysts on Wall Street.

Prudential Financial, a recognized innovator, offers powerful financial solutions and technology that give clients the freedom to work with us the way they want to—from fee-based accounts to online trading and full-time portfolio management.

We believe our commitment to service, choice and performance sets our securities brokerage apart from competitors on Wall Street.

The bull market of the 1990s gave rise to a classic dilemma: The more money you earn, the harder it is to manage. Prudential Financial offers a sensible solution for our affluent clients—managed money accounts.

With managed money accounts, clients team up with a full-time portfolio manager who matches their investment style and meets Prudential's rigorous criteria. Portfolio managers handle day-to-day investment decisions based on client input.

Prudential Financial offers a range of managed money accounts that can be customized to suit an investor's individual needs. Each program offers clear benefits: access to leading investment professionals, disciplined investing, detailed performance monitoring and proprietary research.

With the "baby boom" generation passing 50, the need for individual long term care insurance is growing fast. More than half of these individuals will need some form of long term care after age 65. A year in a nursing home averages more than $50,000.

Prudential Financial—a leader in asset protection for more than 125 years—is pioneering solutions designed for both individual and institutional clients. Prudential's long term care insurance pays for expenses that Medicare and traditional health insurance don't cover. So, clients who need extended care won't have to put a lifetime of savings at risk.

Long term care is a relatively new issue for most people. At Prudential Financial, we're helping to create a greater understanding. Clients can talk to a Prudential Financial professional to help assess their need for long term care insurance, and plan accordingly. They can also find a wealth of information on the Web at the Prudential Long Term Care Learning Center.

Distribution has always been one of Prudential's great strengths. With more than 20,000 financial professionals in the U.S., Europe, Asia and Latin America, we can reach literally millions of clients face to face.

Today, a vital part of our asset-gathering strategy is to expand our distribution platform across multiple points of access—Prudential's sales force, independent retail brokers, wholesalers and employee retirement plans.

In 2001, more third-party brokers, agents and other intermediaries sold Prudential products than ever before. Many were independent financial advisors, who represent the most rapidly growing distribution channel for Prudential investment products. Altogether, more than 40,000 people who are not part of Prudential can now offer Prudential products.

To ensure that clients are not only getting a Prudential product, but the right product for their needs, we provide our distributors with technology-based tools for planning and advice.

Leading financial services firms have freely embraced the concept of "open architecture": offering both proprietary and non-proprietary products. Prudential Financial has evolved this concept a step further with a strategy we call Advised Choice.

Advised Choice is a research-intensive screening process that helps to ensure clients are offered appropriate products, whether managed by Prudential or another leading investment manager. To select these investment managers, a 20-person research team at Prudential Financial follows a stringent "due diligence" process that closely evaluates not only a manager's investment performance, but also its risk profile, depth of management team, and organizational resources and stability. Managers who stray from our established criteria are notified of perceived deficiencies, placed on a "watch list," or replaced.

Prudential Financial is working with other elite asset managers to create an innovative group of mutual funds called Strategic Partners Funds. Each Strategic Partners Fund is managed by different and complementary asset managers, which are chosen by Prudential research analysts through a rigorous proprietary process. By the end of 2001, the Strategic Partners program included 12 funds, covering a wide range of management styles and investment objectives.

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