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Prudential Financial 2001 Annual Report - page 27 / 172

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Prudential Financial, Inc. 2001 Annual Report

All facts and figures as of December 31, 2001, unless otherwise noted.

“Prudential Financial,” “The Rock,” and Prudential WorkingSolutions are registered service marks of The Prudential Insurance Company of America.

PruLife Universal ProtectorSM is issued by Pruco Life Insurance Company. Term Essential®, Term EliteSM, PruLife Universal PlusSM and PruLife Custom PremierSM are issued by Pruco Life Insurance Company in all states except New Jersey and New York, where they are issued by Pruco Life Insurance Company of New Jersey.

Strategic Partners variable annuities are issued by Pruco Life Insurance Company (in New York, issued by Pruco Life Insurance Company of New Jersey).

Auto, homeowners and watercraft insurance coverage written by Prudential Property and Casualty Insurance Company, Prudential General Insurance Company or Prudential Commercial Insurance Company, and in New Jersey by The Prudential Property and Casualty Insurance Company of New Jersey, The Prudential General Insurance Company of New Jersey or The Prudential Commercial Insurance Company of New Jersey, 23 Main Street, Holmdel, NJ 07733. Coverage available in most states.

Group insurance coverages are underwritten and group annuities are issued by The Prudential Insurance Company of America, 751 Broad Street, Newark, NJ 07102.

Prudential Long Term CareSM is underwritten by The Prudential Insurance Company of America under policy numbers GRP98176-78 and Contract Series 83500. Policies contain exclusions, limitations, eligibility requirements and specific terms and provisions under which the insurance coverage may be continued in force or discontinued. Coverage may not be available in all states.

Prudential Real Estate brokerage services are offered by the franchisees of The Prudential Real Estate Affiliates, Inc. Most franchisees are independently owned and operated. Equal Housing Opportunity.

Securities products and services are distributed by Prudential Investment Management Services LLC, Three Gateway Center, 14th Floor, Newark, NJ 07102, Prudential Securities, 199 Water Street, New York, NY 10292, and Pruco Securities Corporation, 751 Broad Street, Newark, NJ 07102.

Best on the Street Analysts Survey is conducted by Thompson Financial/First Call Corp. The Best on the Street analysts were selected from a universe of more than 4,000 analysts at some 220 firms, on the basis of stock recommendations and earnings forecasts made in 2000. Reported in The Wall Street Journal on 6/26/01.

The DALBAR Communications Seal is a mark of excellence and is only awarded to communications in financial services that excel in meeting the needs of consumers. Prudential Financial was given the DALBAR Communications Seal for prudential.com in 2001.

Prudential Financial 2001 Annual Report

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