Document:

The Prudential Insurance Company of America Deferred Compensation Plan

 Exhibit 10.11 
 THE PRUDENTIAL INSURANCE COMPANY OF AMERICA 
 DEFERRED COMPENSATION PLAN 
 (UNLESS OTHERWISE NOTED, 
 AS AMENDED AND
RESTATED EFFECTIVE AS OF JANUARY 1, 2009) 
 This document constitutes part of a prospectus covering securities that have been registered

 under the Securities Act of 1933. 

 THE PRUDENTIAL INSURANCE COMPANY OF AMERICA 
 DEFERRED COMPENSATION PLAN 
 ARTICLE I—PURPOSE, EFFECTIVE DATE

  

	1.1	Purpose 

 The purpose of The Prudential Insurance
Company of America Deferred Compensation Plan (the “Plan”) is to provide the opportunity for selected employees to defer, subject to the Plan’s terms, a portion of their incentive compensation and have it accumulate on a tax-deferred
basis. The Plan is intended to be, and shall be administered as, an unfunded plan maintained for the purpose of providing deferred compensation for a select group of management or highly compensated employees within the meaning of Title I of ERISA
(as defined below). 
  

	1.2	Effective Date 

 The Plan, as hereby amended and
restated, is generally effective as of January 1, 2009, unless specifically noted otherwise. 
 ARTICLE II—DEFINITIONS

 For the purposes of this Plan, the following terms shall have the meanings indicated, unless the context clearly indicates otherwise:

 “Account” means the bookkeeping convention device used by the Employer to measure and determine the amount to be paid to a
Participant under the Plan, which shall be bifurcated into a Pre-2005 Account and a Post-2004 Account, to the extent provided in Section 6.1 hereof. 
 “Annual Compensation” means, for purposes of determining general eligibility to participate in the Plan under Section 3.1(a)(iii) and for purposes of determining “Eligible Compensation” for
Insurance Sales Professionals referenced at Section 3.2(a)(iv), (a) for such Insurance Sales Professionals, the total compensation received by such employee that is reportable on Form W-2 as gross income for any Plan Year; and (b) for
all other Employees, such Employee’s gross salary and incentive bonus (including any sales bonus) payable in any Plan Year. 
 “Beneficiary” or “Beneficiaries” means the person, persons or entity entitled under Article V to receive any Plan benefits payable after a Participant’s death. 
 “Board” means the Board of Directors of the Company. 
 “Code” means the Internal Revenue Code of 1986, as amended from time to time (including, but not limited to, any regulations or other interpretative guidance promulgated under the Code by the U.S. Department
of the Treasury or the Internal Revenue Service, as applicable, which also may be cited separately as “Treasury Regulations” for purposes of this Plan). 
 “Committee” shall have the meaning set forth in Section 7.1. 
 “Company” means The
Prudential Insurance Company of America. 
  

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 “Company Retirement Plan” means either (a) The Prudential Traditional Retirement Plan
Document, or (b) the Prudential Cash Balance Pension Plan Document, both components of The Prudential Merged Retirement Plan. 
 “Continuing Service Participant” means a Participant who ceases to be an employee of, but continues to provide services to, any of the 409A Service Recipients following his Retirement or Termination of Employment, or is reasonably
expected (at the time of such Retirement or Termination of Employment) to provide services to any of the 409A Service Recipients within 12 months of such termination of employment. 
 “Corporate Compensation” has the meaning set forth in Section 7.1. 
 “Deferral Commitments” has the meaning set forth in Section 3.2(b). 
 “Deferral Period” means, for each Participant, the period of time commencing on the first day of the Plan Year in which Eligible Compensation
would otherwise be payable unless deferred pursuant to the terms of the Plan, and ending on the date elected by the Participant (or otherwise determined under the Plan) as provided for in Article III and Article IV. 
 “Disability” means the first date on or prior to the Participant’s Termination of Employment as of which such Participant qualifies for
long-term disability benefits under the Company’s Welfare Benefits Plan, or comparable long-term disability benefits plan or program sponsored by the Employer or Participating Subsidiary, if applicable. 
 “Eligible Compensation” shall have the meaning set forth in Section 3.2(a). 
 “Eligible Employee” shall have the meaning set forth in Section 3.1(a). 
 “Employer” means the Company and any successor of the Company as designated by the Board. 
 “Employee” generally means, as of any relevant date, any individual who is compensated by the Employer or any Participating Subsidiary for
services actually rendered as either a common law employee or as a statutory employee under Code Section 3121(d)(3) (relating to full time life insurance salesman) including, for these purposes and to the degree not specifically described
above, agents and other insurance sales professionals of the Employer and any Participating Subsidiary. The term “Employee,” however, for purposes of Section 3.1 of this Plan, does not include: (a) any individual who is on a paid
or unpaid leave of absence from the Company or any Participating Subsidiary; (b) any individual who is on Disability; (c) any individual who is receiving severance or similar benefits related to a Termination of Employment from a severance
plan or program sponsored or maintained by the Company, any Participating Subsidiary, or any other affiliate of the Company; or (d) any employee or agent of a subsidiary or an affiliate of the Company that is not a Participating Subsidiary at
such time as the Deferral Commitment for a particular Plan Year must be made, unless otherwise provided for in Exhibit A. 
 “ERISA” means the Employee Retirement Income Security Act of 1974, as amended from time to time (including, but not limited to, any regulations or other interpretative guidance promulgated under ERISA by either the U.S. Department
of Labor, the Internal Revenue Service (with respect to Title II of ERISA), or the Pension Benefit Guaranty Corporation (with respect to Title IV of ERISA), as applicable). 
 “409A Service Recipients” means the Company and each other entity which is in the same controlled group of affiliated employers as the Company,
as determined in accordance with the rules under Section 414(b) and (c) of the Code. 
  

 PAGE 3 - DEFERRED COMPENSATION PLAN 

 “Financial Hardship” means severe financial hardship to the Participant resulting from a sudden
and unexpected illness or accident of the Participant or of a dependent (as defined in Section 152(a) of the Code) of the Participant, loss of the Participant’s property due to casualty, or other similar extraordinary and unforeseeable
circumstances arising as a result of events beyond the control of the Participant. The circumstances that will constitute a Financial Hardship will depend upon the facts of each case, but in any case, payment may not be made to the extent that such
hardship is or may be relieved: 
  

	 	(a)	Through reimbursement or compensation by insurance or otherwise; 

  

	 	(b)	By liquidation of the Participant’s or Participant spouse’s assets, to the extent the liquidation of such assets would not itself cause severe financial hardship; or

  

	 	(c)	By cessation of deferrals under the Plan. 

 For purposes of the definition
of the term “Financial Hardship,” the term “unforeseeable emergencies” does not encompass sending a Participant’s dependent to college or the desire to purchase a home, and is intended to be interpreted consistent with the
definition of the term under Treasury Regulations Section 1.457-2(h)(4). 
 “Hardship Withdrawal” has the meaning set forth in
Section 4.3. 
 “Institutional and Retirement Sales Professionals,” “Institutional Sales Professionals,”
“Insurance Sales Professionals,” “Investment Professionals,” and “Investment Sales Professionals,” as used in Article III, refer to Employees of the Employer or any Participating Subsidiary performing such functions as
such terms are generally understood within the Employer or such Participating Subsidiary. 
 “Insurance Sales Matching
Contributions” has the meaning set forth in Section 3.2(c). 
 “Participant” means (a) an Employee who has satisfied
the eligibility requirements of Article III for any Plan Year and (b) has amounts credited to his or her Account under the terms of Article VI. 
 “Participating Subsidiary” means the following affiliates of the Employer as of the Plan’s Effective Date: PruLease, PAMCO, Prudential Investment Corporation, Prudential Bank & Trust, INTECH,
Prudential Mutual Funds LLC, Prudential Real Estate Affiliates, PTC Services, Inc., Prudential HR Management Company, Prudential Mortgage Capital Company LLC, and Prudential Financial, Inc. (effective as of January 1, 2002). In addition to
these entities, the term “Participating Subsidiary” means 
  

	 	(a)	any affiliate of the Employer, including, but not limited to 

  

	 	(i)	any member of a “controlled group of corporations” (as such term is defined in Code Section 1563(a), without regard to the limitations of Code Sections 1563(a)(4) and
1563(e)(3)(C)) of which the Employer is a member, 

  

	 	(ii)	any trade or business, whether incorporated or not, which for any part of a Plan Year is considered to be under common control with the Employer under Code Section 414(c),

  

	 	(iii)	any member of an affiliated service group (as such term is defined under Code Section 414(m)) of which the Employer is a member; and 

  

	 	(b)	that the Compensation Committee of the Board as of the Effective Date or hereafter has designated as an entity whose employees may be eligible to participate under the applicable
terms of the Plan. 

  

 PAGE 4 - DEFERRED COMPENSATION PLAN 

 “Participation Agreement” means the agreement submitted by a Participant to the Committee (or
its representative, Corporate Compensation (including any Plan Administrator designated by Corporate Compensation)) prior to the beginning of the Deferral Period, with respect to a Deferral Commitment made for such Deferral Period. 
 “Plan” means this Deferred Compensation Plan as amended from time to time. 
 “Plan Year” means the calendar year. 
 “Post-2004 Account” means a sub-account established within a Participant’s Account pursuant to Section 6.1 to separately record the portion, if any, of a Participant’s Account which is attributable to Eligible
Compensation that had been credited to such Account and which was earned or vested after December 31, 2004, and earnings thereon. 
 “Pre-2005 Deferred Compensation Account” means a sub-account established within a Participant’s Account pursuant to Section 6.1 to separately record the portion, if any, of a Participant’s Account which is
attributable to Eligible Compensation that had been credited to such Account and which was earned and vested as of December 31, 2004, and earnings thereon. 
 “Prudential Cash Balance Pension Plan” means the Prudential Cash Balance Pension Plan Document, a component of the Company Retirement Plan. 
 “Prudential Traditional Retirement Plan” means The Prudential Traditional Retirement Plan Document, a component of the Company Retirement Plan.

 “Retires” or “Retirement” means a Participant’s Termination of Employment (as defined below, including the
special provisions applicable to a Continuing Service Participant) on or after the earliest date on which he or she satisfies any of the following conditions: (i) has attained age 50 and has completed 20 years of service;
(ii) has attained age 55 and has completed 10 years of service or (iii) has attained age 65. Whether a Participant Retires or has reached Retirement shall be determined regardless of whether, as of the date of his or her
Termination of Employment, the Participant has commenced receipt of his or her Pension from the Prudential Traditional Retirement Plan or any comparable retirement plan sponsored by the Employer or Participating Subsidiary. 
 “Termination of Employment” means a Participant’s separation from service from the 409 Service Recipients for any reason other than death;
provided however, that, in the case of any Continuing Service Participant, the term Termination of Employment or Retirement (and any similar terms used in this Plan) shall be deemed to refer to the date at which such Participant incurs a
“separation from service,” within the meaning of Section 409A of the Code and the regulations promulgated thereunder, from the 409A Service Recipients. This means that rather than being entitled to receive a distribution hereunder
upon, or at a specified time following, a termination of employment, a Continuing Service Participant shall only be entitled to receive such distribution upon, or at a specified time following, such a separation from service. 
 “Unforseeable Emergency” means is a severe financial hardship to the Participant resulting from an illness or accident of the Participant or
the Participant’s spouse or dependents; loss of the Participant’s property due to casualty; or other similar extraordinary and unforeseeable circumstances arising as a result of events beyond the control of the Participant. Whether a
Participant has an Unforseeable Emergency shall be determined on the particular facts and circumstances pertaining to such Participant, in accordance with the provisions of Section 409A of the Code and the regulations promulgated thereunder.

  

 PAGE 5 - DEFERRED COMPENSATION PLAN 

 ARTICLE III— 
 ELIGIBILITY, PARTICIPATION AND DEFERRAL COMMITMENTS 
  

	3.1	Eligibility and Participation 

  

	 	(a)	Eligibility. Eligibility to participate in the Plan shall be limited to any one of the following Employees (each, an “Eligible Employee”) who is:

  

	 	(i)	at Vice President rank (Grade 06P) and above; 

  

	 	(ii)	at Managing Director rank and above; and/or 

  

	 	(iii)	the following select group of management and highly compensated Employees who satisfy the Annual Compensation thresholds set forth below as of the particular Plan Year (if noted):

  

	 	(A)	For Plan Year 2000 Deferral Commitments only: 

  

	 	(I)	An Investment Professional at Senior Vice President and Vice President rank whose Annual Compensation exceeds (or is anticipated to exceed) $200,000 in any Plan Year; and

  

	 	(II)	An Institutional and Retirement Sales Professional at Vice President rank whose Annual Compensation exceeds (or is anticipated to exceed) $250,000 in any Plan Year;

  

	 	(B)	For Plan Year 2001 Deferral Commitments and beyond: 

  

	 	(I)	An Investment Professional at Senior Vice President and Vice President rank whose Annual Compensation exceeds (or is anticipated to exceed) $200,000 in any Plan Year;

  

	 	(II)	An Investment Sales Professional at Regional Manager rank and above whose Annual Compensation exceeds (or is anticipated to exceed) $200,000 in any Plan Year; and

  

	 	(III)	An Institutional Sales Professional at Sales Manager rank and above whose Annual Compensation exceeds (or is anticipated to exceed) $200,000 in any Plan Year; and/or

  

	 	(C)	An Insurance Sales Professional whose Annual Compensation exceeds (or is anticipated to exceed) $100,000 for such Plan Year. 

  

	 	 (b)
	 Participation. An Eligible Employee may elect to participate in the Plan with respect to the Deferral Period by
submitting a Participation Agreement by the 31st day of December, or such other date specified in the enrollment materials, which must be in the
year preceding the Plan Year in which the services in respect of which the Eligible Compensation is payable commence to be performed by the Participant. 

  

 PAGE 6 - DEFERRED COMPENSATION PLAN 

	3.2	Deferral Commitments and Insurance Sales Professionals Matching Contributions 

  

	 	(a)	Eligible Compensation. The following compensation is eligible for deferral, in whole or in part, under the Plan by an Eligible Employee (“Eligible Compensation”):

  

	 	(i)	Grants under the Employer’s or any Participating Subsidiary’s long-term incentive award plans, the precise amounts of which, as of the time such Employee may complete a
Participation Agreement, are unknown to such Employee; 

  

	 	(ii)	Grants under the Employer’s or any Participating Subsidiary’s sales bonus award plans, the precise amounts of which, as of the time such Employee may complete a
Participation Agreement, are unknown to such Employee; 

  

	 	(iii)	Grants under the Employer’s or any Participating Subsidiary’s annual incentive award plans, the precise amounts of which, as of the time such Employee may complete a
Participation Agreement, are unknown to such Employee; and 

  

	 	(iv)	For Insurance Sales Professionals described in Section 3.1(a)(iii)(c) above, all amounts in excess of $100,000 of Annual Compensation earned during the Plan Year subsequent to
the year in which such Employee executes a Participation Agreement in accordance with the terms of Section 3.4. 

 For
purposes of this Section 3.2(a), the term “Eligible Compensation” does not include any (a) salary payments made to Eligible Employees (except as may be included under the terms of Section 3.2(a)(iv) above), (b) any
supplemental bonuses paid to an Eligible Employee that are not part of a compensation plan sponsored by the Employer or any Participating Subsidiary, (c) any severance payments paid to an Eligible Employee, or (d) any amounts under any
such long-term incentive award, sales bonus award or annual incentive award plans or other programs or arrangements that are “guaranteed” by the Employer or any Participating Subsidiary to an Eligible Employee, whether or not as part of an
employment or severance agreement with such Eligible Employee, or are otherwise known or determinable by such Employee as of the time of such Eligible Employee’s enrollment in the Plan pursuant to a Participation Agreement. Notwithstanding
anything else contained herein to the contrary, so long as an Eligible Employee completes a Participation Agreement in respect thereof at a time established by Corporate Compensation in compliance with the requirements of Section 409A of the
Code, grants under the Employer’s or any Participating Subsidiary’s notional carried interest investment plan, as to which the Eligible Employee had an earned and vested right to payment as of December 31, 2004 and payment of which is
made after 2007, shall be treated as Eligible Compensation. 
  

	 	(b)	Form of Deferral. The amount of Eligible Compensation that Eligible Employees may defer under the Plan with respect to services to be performed in any subsequent Plan Year or
Years (the “Deferral Commitment”) shall be indicated on any Participation Agreement as a percentage (in five percent (5%) increments up to eighty percent (80%)) for Participants that are Insurance Sales Professionals; and for all
other Participants, a percentage (in five percent (5%) increments up to eighty-five percent (85%)), of such participant’s annual incentive award or long-term incentive award. 

  

 PAGE 7 - DEFERRED COMPENSATION PLAN 

	 	(c)	Insurance Sales Professional Matching Contribution. For any Eligible Employee who is an Insurance Sales Professional and who makes a Deferral Commitment under the Plan in
respect of any Plan Year, an Insurance Sales Professional Matching Contribution shall be made on such Participant’s behalf with respect to the Deferral Commitment in an amount equal to three percent (3%) of such Deferral Commitment.

  

	3.3	Deferral Period 

  

	 	(a)	General Rule. Once the Eligible Employee has completed a Participation Agreement with respect to an amount of Eligible Compensation, a new Deferral Period begins on the first
day of the Plan Year in which the Participant commences the services in respect of which the Eligible Compensation would otherwise be earned unless deferred pursuant to the terms of the Plan. Except as otherwise expressly provided herein (including,
but not limited to, Section 4.1), such new Deferral Period will extend, at the Participant’s election, as set forth in the Participation Agreement, to any of the following: 

  

	 	1)	A specified date in a year subsequent to the year in which the Eligible Compensation deferred under the terms of this Plan would otherwise have been payable to such Participant;

  

	 	2)	The Participant’s Retirement; 

  

	 	3)	January of the year following the Participant’s Retirement; or 

  

	 	4)	The Participant’s death, Disability or Termination of Employment; 

 provided, however, effective for Plan Years beginning after Plan Year 2007, (i) to the degree that a Participant has elected a fixed payment date pursuant to clause (1) above that has not occurred at
the date of the Participant’s Retirement, payments from the Participant’s Account will commence, regardless of such fixed date election, on the first anniversary of the Participant’s Retirement, and (ii) in all events,
irrespective of the Participant’s election of a specified date, Retirement, January of the year following Retirement or Disability or Termination of Employment under this Section 3.3, payments shall commence under the Plan no later than
the last day of the Plan Year in which any such Participant has attained age 70 1/2, as determined under the books and records of the Company. 
  

	 	(b)	Special Transition Rule Elections. Notwithstanding the provisions of Section 3.3(a), the Committee may permit any or all Participants, or any class of Participants, to
change either or both the Deferral Period and the distribution elections applicable to all or any specified portion of the Participant’s Post-2004 Account in accordance with, and not later than the latest date specified under, the special
transition relief applicable under the guidance promulgated under Section 409A of the Code. 

  

	3.4	Enrollment 

  

	 	(a)	 General Rule. In order for an Eligible Employee to become a Participant under the Plan, the Eligible Employee must complete a Participation Agreement and
submit it to the Committee (or its representative, Corporate Compensation) in the time frame specified in Section 3.1(b). If a Participation Agreement is not received by such date, the Eligible Employee is deemed to have elected not to defer
any Eligible Compensation under the Plan for such subsequent Plan Year. Except as otherwise 

  

 PAGE 8 - DEFERRED COMPENSATION PLAN 

	 	 
expressly provided in Section 3.3(b), once received by the Committee (or its representative, Corporate Compensation (including any Plan Administrator
designated by Corporate Compensation)), such election to defer Eligible Compensation is irrevocable by the Eligible Employee. 

  

	 	(b)	Effect of Enrollment in the Event of a Termination of Employment. Effective in respect of compensation payable for services to be commenced in Plan Years beginning on or
after January 1, 2008, if an otherwise Eligible Employee incurs a Termination of Employment after completing a Participation Agreement in respect of services to be performed commencing in such Plan Year, but prior to the commencement of such
Plan Year, such election for that Plan Year will be deemed null and void and no amounts will be credited to the Participant’s Account under the Plan. In the event that an Eligible Employee completed a Participation Agreement and commenced the
services to which such Eligible Compensation relates, such Participation Agreement will continue in full force and effect (to the extent the Participant is otherwise entitled to receive any compensation under the terms of the plan(s) or agreement(s)
governing the payment of such Eligible Compensation). Any amount credited to the Participant’s account following Termination of Employment shall be paid in accordance with the provisions of Article IV applicable with respect to such Deferral
Commitment. 

  

	3.5	Vesting 

 Participants will, at all times, be fully
vested in the notional value of their Account balances under the Plan (which, due to notional gains, losses and interest, may be greater or lesser than the amount of Eligible Compensation actually deferred under the Plan). 
 ARTICLE IV—DISTRIBUTIONS 
  

	4.1	Distribution Election Requirements 

 Except as
otherwise expressly provided herein, a Participant may elect to commence to receive a distribution of amounts deferred with respect to a Deferral Period (i) at a fixed date or (ii) at or within a specified period of time
following Retirement; provided, however, that (A) if a Participant has a Termination of Employment prior to qualifying for Retirement or prior to the occurrence of a specified date on which payments are to commence in respect of a
Deferral Period, any distributions to be made under the Plan (other than distributions that have already commenced to be paid as of a fixed date prior to Termination of Employment) shall be made in connection with such Termination of Employment
regardless of the Participant’s election of a different commencement date, and (B) certain other exceptions specified below may, in specified circumstances, modify a Participant’s election as to the payment commencement date.
Upon enrollment in respect of a Deferral Period, in order for the Participation Agreement to be deemed valid by the Committee (or its representative, Corporate Compensation) in respect of Eligible Compensation, the Participant must elect
(i) either a fixed payment commencement date or the time at which distributions will commence following Retirement, (ii) a general distribution option for amounts deferred under the Plan (other than on account of a
Termination of Employment prior to qualifying for Retirement or prior to attaining an elected fixed payment date for the commencement of such distributions) that will establish a specified schedule for the payment of distributions of the deferred
amounts, and (iii) a distribution option that will establish a specified schedule for the payment of distributions of the deferred amounts in the event of the Participant’s Termination of Employment prior to qualifying for
Retirement or prior to attaining an elected fixed payment date for the commencement of such distributions. Except as otherwise expressly provided herein, a Participant who fails to elect (i) a payment commencement date shall be deemed to
have elected to receive a distribution commencing immediately (subject to Section 4.1(d)) following his or her Termination of Employment 

  

 PAGE 9 - DEFERRED COMPENSATION PLAN 

 
(including, where applicable, Retirement)) or (ii) a distribution option (whether under the general rules or in connection with a Termination of
Employment prior to qualifying for Retirement) shall be deemed to have elected a single, lump sum payment. 
  

	 	(a)	Payment Date. Except as otherwise expressly provided herein, Participants will elect a payment date to commence payment of amounts deferred each Plan Year that they
participate in the Plan. The payment date options that a Participant may elect are: 

  

	 	(i)	Retirement; 

  

	 	(ii)	January of the year following Retirement; or 

  

	 	(iii)	A future specified date in a year that is subsequent to the year in which the Eligible Compensation deferred under the terms of this Plan would otherwise have been payable to such
Participant; 

 provided that, (A) to the degree that a
Participant has elected a fixed payment date pursuant to (iii) above that has not occurred at the date of the Participant’s Retirement, payments from the Participant’s Account will commence, regardless of such fixed date election, on
the first anniversary of the Participant’s Retirement, (B) in all events, irrespective of the Participant’s election of a specified date, Retirement, or January of the year following Retirement, payments shall commence under the Plan
no later than the last day of the Plan Year in which any such Participant has attained age 70 1/2, as determined under the books
and records of the Company and (C) any election to commence distributions upon Retirement or the January following Retirement shall be subject to the provisions of Section 4.1(d), if applicable to the Participant. 
  

	 	(b)	General Distribution Option. Except as otherwise expressly provided herein, for Participants whose service continues until Retirement or who have elected payment at a fixed
payment date which occurs prior to the date of the Participant’s Termination of Employment, any one of the following general distribution options may be chosen for payments commencing at the payment date determined in accordance with
Section 4.1(a): 

  

	 	(i)	A single, lump sum payment; 

  

	 	(ii)	36 monthly installments; 

  

	 	(iii)	60 monthly installments; or 

  

	 	(iv)	120 monthly installments 

  

	 	(c)	Distribution Option in Case of Termination. Except as otherwise expressly provided herein, for Participants whose service does not continue until Retirement, distributions
which have not been scheduled to commence under the Plan in accordance with the Participant’s elections will commence promptly (and in no event more than 90 days) following such Termination of Employment regardless of any election made pursuant
to Section 4.1(a). A Participant may choose either of the following distribution options in the event that distribution commences on account the Participant’s Termination of Employment prior to qualifying for Retirement :

  

	 	(i)	A single, lump sum payment payable as soon as practicable after such termination; or 

  

 PAGE 10 - DEFERRED COMPENSATION PLAN 

	 	(ii)	36 monthly installments beginning January of the year following the Participant’s Termination of Employment. 

  

	 	(d)	Six Month Delay in Commencement of Distribution in Respect of Specified Employees. Notwithstanding anything else contained in this Section 4.1 or elsewhere in the Plan
to the contrary, any distribution from a Participant’s Post-2004 Account on account of Termination of Employment or Retirement (other than any such event occurring in connection with the Participant’s death) to a Participant who, at the
time such distribution would commence, is a “specified employee” within the meaning of Section 409A and the regulations promulgated thereunder shall not commence earlier than six months following the date such Participant incurs such
Termination of Employment or Retirement. To the extent that any amount distributable to a Participant is delayed by reason of this Section 4.1(d), such amount shall continue to be held in accordance with the terms of the Plan and the delayed
distribution shall be made on the six month anniversary of the Participant’s Termination of Employment or Retirement. Corporate Compensation shall determine who is specified employee as of each December 31 in accordance with procedures
adopted in compliance with Section 409A, and such determination shall be effective for determining who is a specified employee with respect to distributions commencing in the 12 month period commencing on the next following April 1 and
continuing through the second following March 31. 

  

	 	 (e)
	 Special Rules for Insurance Sales Professionals. Notwithstanding anything else contained herein (other
than Section 4.5) to the contrary, with respect to any Participant who is an Insurance Sales Professional the only payment date option that shall be available with respect to (i) any Eligible Compensation and that is payable with respect
to services rendered after December 31, 2008 that is subject to a Deferral Commitment and (ii) any amount credited or to be credited to such Participant’s Post-2004 Account in respect of any Deferral Commitment which relates to any
Deferral Period beginning prior to January 1, 2009 shall be a future specified date in a year subsequent to the later of (A) the year in which the Eligible Compensation deferred under the terms of this Plan would otherwise have been
payable to the Participant and (B) 2008. Any such Participant shall select the applicable date of payment (as well as the distribution option related thereto) in accordance with the otherwise applicable provisions of the Plan (including,
without limitation, Sections 3.2 and 4.1, and, to the extent permitted by the Committee, Section 3.3(b)), except that, subject to the provisions of Section 4.5, the fixed payment date elected or established under this Section 4.1(e)
and the distribution option elected or established with respect thereto in accordance with this Section 4.1 shall apply as of the elected fixed payment date regardless of whether the Insurance Sales Professionals has had a Termination of
Employment or Retirement prior to such fixed payment date. If a Participant fails to elect a fixed payment date, the payment date shall be deemed to be the calendar year in which the Participant would attain age 65 or, if such year is prior to 2009
or has occurred prior to, or is, the year in which the Eligible Compensation deferred would otherwise have been payable to the Participant, the payment date shall be the later of (i) 2009 and (ii) the calendar year in which the Insurance
Sales Professional would attain age 70  1/2. 

  

	4.2	Payments 

  

	 	(a)	General Rule. Subject to the terms of the Plan (including, but not limited to, Section 4.1(c) and 4.1(d)), payments will be made as of the date or event elected in the
Participation Agreement and according to the distribution payment option elected. 

  

 PAGE 11 - DEFERRED COMPENSATION PLAN 

	 	(b)	Small Account Balances – Lump Sum Cashout. Notwithstanding the foregoing, in the event the Participant’s Account balance, when coupled with the amounts credited to
the Participant under all other account balance plans maintained by any of the 409A Service Recipients which are required to be aggregated with this Plan for purposes of Section 409A of the Code, is ten thousand dollars ($10,000) or less at the
time a distribution of the Participant’s Account balance would commence by reason of the application of Sections 4.1, 4.6 or 4.7, the amount of such Participant’s Account balance under this Plan and all other such account balance plans
shall be paid out in a lump sum notwithstanding the form of benefit payment elected by the Participant under Section 4.1(b), (c) or (e), Section 4.6 or 4.7, as applicable. For purposes of this Section 4.2(b), a Participant’s
Account balance shall be valued in accordance with the general provisions of Section 6.4(a). 

  

	4.3	Hardship and Unforseeable Emergency Withdrawals 

 In
the event of Financial Hardship, a Participant may request payment of all or a portion of the amounts credited to a Participant’s Pre-2005 Account to be accelerated (a “Hardship Withdrawal”). In the event the Participant requests that
payment be advanced through a Hardship Withdrawal, the amount involved cannot exceed the funds required to satisfy the Financial Hardship or the balance in the Participant’s Pre-2005 Account. A Participant may request to receive a distribution
from his or her Post-2004 Account on account of an Unforseeable Emergency. The amount that may be distributed pursuant to the immediately preceding sentence shall not exceed the amount necessary to resolve the financial need arising due to an
Unforseeable Emergency and the taxes that would due upon such distribution or, if less, the Participant’s balance in his or her Pre-2005 Account as of the date of such withdrawal. In no event shall any financial need be deemed an Unforseeable
Emergency to the extent that the related financial need is or may be relieved through reimbursement or compensation from insurance or otherwise, by liquidation of the Participant’s assets, to the extent such liquidation would not itself cause
severe financial hardship (including, without limitation, distribution of any amount that is available for a Hardship Withdrawal from the Participant’s Pre-2005 Account), or by cessation of deferrals under the Plan. 
 The Participant will be required to produce any information that the Committee finds necessary or appropriate to make a determination of whether the
participant has a Financial Hardship or an Unforseeable Emergency. Any Hardship Withdrawal or withdrawal on an account of an Unforseeable Emergency shall be payable in a lump sum within 30 days of the date that the Committee shall have determined
that such a Hardship or Unforseeable Emergency exists which entitles a Participant to receive a distribution under this Section 4.3. 
 In the event the Participant receives a Hardship Withdrawal or a withdrawal with respect to an Unforseeable Emergency, the Participant will be precluded from deferring additional Eligible Compensation in respect of services that would
commence to be performed in the subsequent Plan Year. 
  

	4.4	Early Distribution With Penalty 

 A request for an
Early Distribution With Penalty of the Participant’s Pre-2005 Account balance may be made by submitting a Deferred Compensation Withdrawal Form at any time during a Plan Year. The balance distributed from the Pre-2005 Account will be reduced by
a penalty of ten percent (10%) of the Account. For purposes of any such Early Distribution With Penalty, the Account will be valued as of the last day of the month immediately preceding the date on which the request is received and will be paid
in a lump sum within thirty (30) days of receipt by the Committee (or its representative, Corporate Compensation (including any Plan Administrator designated by Corporate Compensation)) of such Withdrawal Form. 
  

 PAGE 12 - DEFERRED COMPENSATION PLAN 

 If an Early Distribution With Penalty payment is made, the Participant will be precluded from deferring
additional Eligible Compensation in respect of services that would commence to be performed in the subsequent Plan Year. 
 Any penalty
amounts withheld from the Early Distribution With Penalty are taxable income to the Participant, and shall be returned to the Employer’s general assets. 
  

	4.5	Distributions on the Participant’s Death 

 Notwithstanding the distribution and payment options elected or established hereunder (including, without limitation, the distribution options elected or established in Section 4.1(e)), payment of the entire account balance in a single
lump sum will be made to the Participant’s designated Beneficiary upon the Participant’s death. Should the Participant’s death occur after monthly installments have already started in accordance with the applicable provisions of the
Plan, the balance of the Participant’s account shall become due and payable in one single lump sum to the Beneficiary within thirty (30) days of the Participant’s death. 
  

	4.6	Distributions on the Participant’s Disability 

 Subject to Section 4.1(d), if applicable, should the Participant incur a Disability, payment(s) in the elected form specified for General Distribution Options will begin within thirty (30) days of notification of the
Participant’s Disability, except that, if Disability should occur after monthly installments have already started in accordance with the applicable provisions of the Plan, payments will continue for the remainder of the elected installment
period. This section shall not apply to the Post-2004 Account of any Insurance Sales Professional, which shall be governed by the provisions of Section 4.1(e). 
  

	4.7	Distributions On the Participant’s Termination of Employment 

 Except as provided in this Section 4.7, in the event of a Participant’s Termination of Employment for any reason other than Retirement, death, or Disability, distribution of any amounts in respect of a
Deferral Commitment shall be made in connection with such Termination of Employment, in accordance with the distribution option applicable to such Deferral Commitment pursuant to Section 4.1(c), regardless of whether the Participant had
otherwise elected to commence payment of the Deferral Commitment at a fixed payment date that is after the date of such Termination of Employment. Notwithstanding the immediately preceding sentence, if payment in respect of a Deferral Commitment
were to have commenced as of fixed date specified by the Participant occurring prior to such Termination of Employment, distributions shall be made (or continue) in respect of such Deferral Commitment on the basis otherwise elected by the
Participant and without adjustment due to such Termination of Employment. This section shall not apply to the Post-2004 Account of any Insurance Sales Professional, which shall be governed by the provisions of Section 4.1(e). 
 ARTICLE V—BENEFICIARY DESIGNATION 
  

	5.1	Beneficiary Designation 

 A Participant shall have
the right, at any time, to designate one (1) or more persons or an entity as Beneficiary (both primary as well as secondary) to whom benefits under this Plan shall be paid in the event of Participant’s death prior to complete distribution
of the Participant’s Account. Each Beneficiary designation shall be in writing, on a form specified by the Committee (or its representative, Corporate Compensation), and shall be filed with the Committee (or its representative, Corporate
Compensation (including any Plan Administrator designated by Corporate Compensation)) during the Participant’s lifetime, and any such election shall apply to the Participant’s entire Account balance. If a Participant fails to designate a
Beneficiary or if a Beneficiary does not survive the Participant, payment will be made to the Participant’s estate in the event of the Participant’s death. 
  

 PAGE 13 - DEFERRED COMPENSATION PLAN 

	5.2	Changing Beneficiary 

 A Participant may change
his/her Beneficiary at any time by completing a Beneficiary designation, again in writing on a form specified by the Committee (or its representative, Corporate Compensation). The change will take effect only after it is received by the Committee
(or its representative, Corporate Compensation (including any Plan Administrator designated by Corporate Compensation)) and determined to be in good order. Any previous Beneficiary’s interest in the Participant’s Account under the Plan
will end as of the date the request is received and determined to be in good order, even if the Participant is not living when the request is received, and any such election to change Beneficiaries shall apply to the Participant’s entire
Account balance. 
 ARTICLE VI—ACCOUNTS 
  

	6.1	Participant Accounts 

 An Account shall be
established on behalf of each Participant under the Plan, and all Eligible Compensation amounts that such Participant elects to defer under the terms of the Plan (as well as any Insurance Sales Professional Matching Contribution) shall be credited
in such Account at the time it would have otherwise been payable to the Participant (or, in the event of any Insurance Sales Professional Matching Contribution, when the Eligible Compensation related to such Matching Contribution would have been
payable to the Participant). In respect of any Participant who had an Account to which deferred Eligible Compensation had been credited in respect of any Plan Year prior to 2005, such Account shall be bifurcated into two sub-accounts: the Pre-2005
Account and the Post-2004 Account. 
  

	6.2	Earnings Indices and Investment Options for Accounts 

 A Participant’s Account will be credited with notional interest, earnings (and, where applicable, notional investment gain or loss) that are intended to mirror the investment performance and results of the indices/notional investment
options selected by the Participant on the Participation Agreement beginning with the date of deferral (or, if attributable to Insurance Sales Professional Matching Contributions, the date such amounts are credited to the Account) until such time as
payment of the entire account balance is made. 
 For Plan Year 2000, the available notional investment options under the Plan are intended
to mirror the performance of four of the investment options available to participants of the Prudential Employee Savings Plan in 2000, as follows: (a) the Fixed Rate Fund; (b) the Prudential Stock Index Fund; (c) the Prudential
Balanced Fund; and (d) the Prudential Jennison Growth Fund. For Plan Years beginning on or after January 1, 2001, the available notional investment options under the Plan are intended to mirror the performance of all of the then-current
investment options available to participants of the Prudential Employee Savings Plan in such year. With respect to amounts deemed allocated to the notional Fixed Rate Fund under the Plan, such amounts will be credited with interest in the same
general manner as interest would be credited to amounts actually invested in the actual Fixed Rate Fund; with respect to amounts deemed allocated to the other notional investment options under the Plan, such amounts will be credited under the Plan
as if the Participant had actually purchased units of such separate account/mutual funds on the date of such deferral. To the extent that various actual investment options are added to, or removed from, the Prudential Employee Savings Plan,
comparable changes shall be made in the available notional investment options under this Plan, and any such changes shall be communicated to Participants as soon as administratively practicable. 
  

 PAGE 14 - DEFERRED COMPENSATION PLAN 

 A Participant may elect any combination of the available notional investment options; provided, however,
that the Participant’s allocation of his or her account must be stated in five percent (5%) increments. 
  

	6.3	Changing Indices 

 A Participant may change how the
notional amounts reflected in his or her Account are deemed invested by completing an Account Reallocation Form. Such deemed investment allocations may be changed periodically, and in no event less than once per calendar quarter. Effective with the
2002 Plan Year, allocations may be changed monthly and changes will be effective on the first day of the following month. 
 To the extent
that additions to, or subtractions from, the number of indices/notional investment options are made under this Plan, Participants will be asked to complete an Account Reallocation Form to indicate if they wish to reallocate their notional Account
balances. In the event no such Form is received, no changes to the Participant’s Account will be made except that, in the event a particular indices/notional investment option is eliminated and no Form has been completed, the notional amounts
credited in such eliminated index shall be credited under the notional Fixed Account Fund as of the date of such elimination (or as soon as administratively practicable thereafter). 
  

	6.4	Account Valuation and Reports 

  

	 	(a)	Periodic Account Valuation. For purposes of Account recordkeeping, periodic updates of the notional value of each Participant’s Account (and of the aggregate unfunded
liabilities of the Plan as a whole) shall be made at the direction of the Committee (in any event, no less frequently than as of the end of each calendar quarter). With respect to any distribution for a Participant’s Account as provided for in
Article IV of the Plan, the aggregate value of any such distribution shall be calculated by reference to the notional value of the Account as of the last day of the month prior to the month in which such distribution is either anticipated to
commence (including after giving effect to the provisions of Section 4.1(d)). 

  

	 	(b)	Participant Statements. Quarterly statements illustrating Participant Account balances, including any notional gains or losses in such Accounts, shall be made available to
Participants as soon as practicable after the end of each calendar year quarter, in a form and manner prescribed by the Committee. 

 ARTICLE VII—ADMINISTRATION 
  

	7.1	Administration of the Plan 

 The Vice President
– Compensation of the Company shall be deemed to be the committee appointed to administer the Plan (the “Committee”). The Committee shall maintain such procedures and records as will enable the Committee to determine the Participants
and their Beneficiaries who are entitled to receive benefits under the Plan and the amounts thereof. Further, the Committee may elect to delegate its administrative responsibilities under the Plan (including, but not limited to, the distribution of
Participation Agreements and the monitoring of the various recordkeeping services related to Accounts under the Plan) to, among other entities, the Corporate Compensation unit of the Company’s Human Resources function (“Corporate
Compensation”). To the degree the delegation of such responsibilities is specifically referenced under the terms of the Plan, the Committee shall be deemed to have so elected to delegate such responsibilities to Corporate Compensation.

  

 PAGE 15 - DEFERRED COMPENSATION PLAN 

	7.2	General Powers of Administration 

 Subject to
oversight by the Compensation Committee of the Board, the Committee shall have the exclusive right, power, and authority, in its sole, full and absolute discretion, to interpret any and all of the provisions of the Plan, to supervise the
administration and operation of the Plan, and to consider and decide conclusively any questions (whether of fact or otherwise) arising in connection with the administration of the Plan or any claim for benefits arising under the Plan. Any decision
or action of the Committee shall be conclusive and binding on all parties, including the Participants. 
 ARTICLE VIII—AMENDMENT AND
TERMINATION OF PLAN 
  

	8.1	Amendment of the Plan 

  

	 	(a)	General. The Committee shall have the authority to adopt minor amendments to the Plan without prior approval by the Compensation Committee of the Board that:

  

	 	(i)	are necessary or advisable for purposes of complying with applicable laws and regulations; 

  

	 	(ii)	relate to administrative practices under the Plan; 

  

	 	(iii)	relate to the selection or deletion of additional notional investment options for Participants in their accounts; or 

  

	 	(iv)	have an insubstantial financial effect on the Plan. 

 The
Compensation Committee of the Board shall have the authority to adopt any other amendments to the Plan not encompassed under the terms of the preceding sentence. Any such amendments must be made by written instrument, and notice of such amendments
shall be provided as soon as practicable to Participants after their adoption. 
  

	 	(b)	Amendments Related to Certain Corporate Transactions. Without limiting the provisions of Section 8.1(a) above, in the event of a corporate transaction or transactions
involving the sale, spin-off or other disposition of assets or equity interests in the Employer or any Participating Subsidiary to an unaffiliated entity (“Third Party Acquirer”) and which, as a result of such transaction or transactions,
it is anticipated that Participants may be transferred to, or be employed by, the Third Party Acquirer or other entities which, as a result of such transaction, are no longer affiliated with the Employer (the “Transferred Participants”),
the Company may amend the Plan to provide for the transfer of Account liabilities rather than the distribution of Account balances to such affected Participants in accordance with the terms of Section 4.1(c) and 4.7, as follows:

  

	 	(i)	Both the Employer (or, if relevant, the Participating Subsidiary) and the Third Party Acquirer must agree to the transfer of Account liabilities with respect to all of the
Transferred Participants transferred to, or employed by, the Third Party Acquirer or its affiliates; and 

  

 PAGE 16 - DEFERRED COMPENSATION PLAN 

	 	(ii)	The Third Party Acquirer must agree to establish a new plan (or modify an existing deferred compensation plan) (the “Transferee Plan”), on or prior to the corporate
transaction and the transfer of Account liabilities pertaining to the Transferred Participants that, in a form satisfactory to the Employer, provides, among other things, for: 

  

	 	(A)	the assumption by the Transferee Plan of all applicable terms (other than notional investment options) of such Transferred Participant’s Participation Agreements with respect
to any amounts deferred or credited under the Plan on or prior to the effective date of such Account transfer; 

  

	 	(B)	the provision of at least equivalent notional investment options to those offered under the Plan to Participants as of the proposed date of Account liability transfer; and

  

	 	(C)	the assumption of (and indemnification by) the Third Party Acquirer of the Company, Employer and all Participating Subsidiaries (including their agents, employees, officers and
other representatives) of any and all liabilities relating to such Transferred Participants’ Account liability transferred from the Plan to the Transferee Plan (including, but not limited to, assumption of the Employer’s responsibility
under Section 8.3 of the Plan through the adoption of identical language in the Transferee’s Plan effective as of the transfer of such Account liabilities). 

  

	8.2	Termination of the Plan 

 The Company reserves the
right to terminate the Plan in any respect and at any time and may do so pursuant to a written resolution of the Compensation Committee of the Board. Notwithstanding the foregoing, no termination of the Plan shall accelerate or otherwise change the
time at which, or the form in which, amounts are distributable hereunder, unless such acceleration or other change can be effected in connection with such termination without causing all or any portion of such amounts to be subject to the additional
rate of tax imposed under Section 409A of the Code. 
  

	8.3	Limitations on Amendment or Termination of the Plan 

 Notwithstanding anything else to the contrary set forth in the Plan, any amendment or termination of the Plan may not adversely affect the rights of any Participant or Beneficiary to receive the amount of benefits earned and accrued under
the Plan prior to such amendment or termination; provided, however, that 
  

	 	(a)	any amendment satisfying the terms of Section 8.1(b); 

  

	 	(b)	any alteration of the notional investment options under the Plan as set forth under Section 8.1(a), 

  

	 	(c)	any acceleration of payments of amounts accrued under the Plan by operation of the Plan’s terms; or 

  

	 	(d)	any decision by the Committee or the Compensation Committee to limit participation (or other features of the Plan) prospectively under the Plan shall not be deemed to violate this
provision. 

  

 PAGE 17 - DEFERRED COMPENSATION PLAN 

 ARTICLE IX—MISCELLANEOUS 
  

	9.1	Unfunded Plan/ Participant’s Rights Unsecured and Unfunded 

 This Plan is an unfunded plan maintained primarily to provide deferred compensation benefits for a select group of management or highly-compensated employees within the meaning of Sections 201,301 and 401 of ERISA,
and therefore is exempt from the provisions of Parts 2,3 and 4 of Title I of ERISA. Accordingly, no assets of the Company shall be segregated or earmarked to represent the liability for accrued benefits under the Plan. Amounts referenced in
Participant Account statements are only recordkeeping devices reflecting such liability for accrued benefits, and do not reflect any actual amounts credited. The right of a Participant (or his or her Beneficiary) to receive a payment hereunder shall
be an unsecured claim against the general assets of the Company. All payments under the Plan shall be made from the general funds of the Company. The Company is not required to set aside money or any other property to fund its obligations under the
Plan, and all amounts that may be set aside by the Company prior to the distribution of Account balances under the terms of the Plan remain the property of the Company. 
 Notwithstanding the foregoing, nothing in this Section 9.1 shall preclude the Company, in its sole discretion, after the Effective Date, from establishing a “rabbi trust” or other vehicle in connection
with the operation of this Plan, provided that no such action shall cause the Plan to fail to be an unfunded plan designed to provide deferred compensation benefits for a select group of management or highly-compensated employees for purposes within
the meaning of Title I of ERISA. 
  

	9.2	Plan Is Not a Contract of Employment 

 This Plan
shall not constitute a contract of employment between the Employer and/or any Participating Subsidiary and the Participant. Nothing in this Plan shall give a Participant the right to be retained in the service of the Employer or to interfere with
the right of the Employer to discipline or discharge a Participant at any time. 
  

	9.3	Notice 

 Any notice required or permitted under the
Plan shall be sufficient if in writing and hand delivered, sent by first class, registered or certified mail, or by such other means as the Committee, in its sole discretion, may deem appropriate. Such notice shall be deemed as given as of the date
of delivery or, if delivery is made by mail, as of the date shown on the postmark or on the receipt for registration or certification. Mailed notice to the Committee shall be directed to the Company’s address, c/o Corporate Compensation. Mailed
notice to a Participant or Beneficiary shall be directed to the individual’s last known home or office address in Employer’s records. 
  

	9.4	No Guarantee of Benefits 

 Nothing contained in the
Plan shall constitute a guaranty by the Employer or any other person or entity that the assets of the Company will be sufficient to pay any benefit hereunder. 
  

	9.5	Non-Alienation Provision 

 No interest of any person
or entity in, or right to receive a benefit or distribution under, the Plan shall be subject in any manner to sale, transfer, assignment, pledge, attachment, garnishment, or other alienation or encumbrance of any kind; nor may such interest or right
to receive a distribution be taken, either voluntarily or involuntarily for the satisfaction of the debts of, or other obligations or claims against, such person or entity, including claims for alimony, support, separate maintenance and claims in
bankruptcy proceedings. 
  

 PAGE 18 - DEFERRED COMPENSATION PLAN 

	9.6	Applicable Law 

 The Plan shall be construed and
administered under the laws of the State of New Jersey, except to the extent that such laws are preempted by ERISA. 
  

	9.7	Taxes 

 To the extent required by law, amounts
accrued under the Plan shall be subject to federal and state income, federal social security and federal or state unemployment taxes during the year the services giving rise to such amounts were performed (or, if later, when the amounts are both
determinable and not subject to a substantial risk of forfeiture). The Company, the Employer or the Participating Subsidiary (as applicable) shall withhold from any payments made pursuant to the Plan such amounts as may be required by federal, state
or local law, and the Company, the Employer or the Participating Subsidiary (as applicable) further reserves the right: (a) to limit or reduce the amounts intended to be deferred under the terms of the Plan as may be necessary or appropriate in
order to ensure that any required tax withholdings can be deducted; and/or (b) to require the Participant to pay any taxes owed on such amounts through payroll deduction. 
  

	9.8	Excess Payments 

 If the compensation, years of
service, age, or any other relevant fact relating to any person is found to have been misstated, the Plan benefit payable by the Company to a Participant or Beneficiary shall be the Plan benefit which would have been provided on the basis of the
correct information. Any excess payments due to such misstatement, or due to any other mistake of fact or law, shall be refunded to the Company or withheld by it from any further amounts otherwise payable under the Plan. 
  

	9.9	No Impact on Other Benefits 

 Amounts deferred and
accrued under the Plan shall not be included in a Participant’s compensation for purposes calculating benefits under any other plan, program or arrangement sponsored by the Employer or Participating Subsidiary, unless such plan, program or
arrangement so provides. 
  

	9.10	Data 

 Each Participant or Beneficiary shall furnish
the Committee with all proofs of dates of birth and death and proofs of continued existence necessary for the administration of the Plan, and the Company shall not be liable for the fulfillment of any Plan benefits in any way dependent upon such
information unless and until the same shall have been received by the Committee in a form satisfactory to it. 
  

	9.11	Incapacity of Recipient 

 If a Participant or other
Beneficiary entitled to a distribution under the Plan is living under guardianship or conservatorship, distributions payable under the terms of the Plan to such Participant or Beneficiary shall be paid to his or her appointed guardian or conservator
and such payment shall be a complete discharge of any liability of the Company, the Employer and the Participating Subsidiary (as the case may be) under the Plan. 
  

 PAGE 19 - DEFERRED COMPENSATION PLAN 

	9.12	Usage of Terms and Headings 

 Words in the masculine
gender shall include the feminine and the singular shall include the plural, and vice versa, unless qualified by the context. Any headings are included for ease of reference only, and are not to be construed to alter the terms of the Plan.

  

 PAGE 20 - DEFERRED COMPENSATION PLAN 

 Exhibit A – Certain Employee Transfers 
 Transfer of Employees from the Company to Jennison Associates During Plan Year 2000 
 With respect to any Employee that (a) was transferred from the Company to Jennison Associates (a subsidiary of the Company that is not a
Participating Subsidiary) in Plan Year 2000 pursuant to the transfer of the Company’s public equity management unit to Jennison Associates and (b) that would otherwise have been treated as an “Eligible Employee” as defined under
the Plan but for such transfer, such Employees shall continue to be eligible to submit a Participation Agreement to defer Eligible Compensation (as generally defined in Section 3.2(a) of the Plan) that would otherwise be payable to such
Employees in Plan Year 2001 pursuant to the terms of the Plan. Once such deferrals are made, such affected Employees will be treated as Employees who have transferred employment from the Company to a subsidiary or affiliate of the Company that is
not a Participating Subsidiary, and the general provisions of the Plan will continue to be in full force and effect. 
  

 PAGE 21 - DEFERRED COMPENSATION PLANPrudential Financial, Inc. Executive Change of Control Severance Program

 Exhibit 10.13 
 PRUDENTIAL FINANCIAL, INC. 
 EXECUTIVE CHANGE OF CONTROL SEVERANCE PROGRAM 
 (Amended and Restated Effective as of November 11, 2008) 

 TABLE OF CONTENTS 
  

					
	ARTICLE I PURPOSE AND OBJECTIVES	  	1
		
	ARTICLE II DEFINITIONS	  	2
		
	ARTICLE III BENEFITS PAYABLE	  	9
			
	3.1  	  	DEATH; DISABILITY OR RETIREMENT	  	9
	3.2  	  	CAUSE AND VOLUNTARY TERMINATION	  	9
	3.3  	  	TERMINATION BY THE COMPANY OTHER THAN FOR CAUSE	  	9
	(a)	  	 Severance and Other Termination Payments
	  	9
	(b)	  	 Continuation of Benefits
	  	11
	(c)	  	 Awards under the Company Omnibus Incentive Plan
	  	12
	(d)	  	 Enhanced Retirement Benefits
	  	13
	(e)	  	 Prudential Deferred Compensation Plans
	  	14
	(f)	  	 Indemnification
	  	14
	3.4  	  	TERMINATION BY THE PARTICIPANT FOR GOOD REASON	  	15
	3.5  	  	TERMINATION OF EMPLOYMENT BY THE COMPANY FOLLOWING A
POTENTIAL CHANGE OF CONTROL	  	15
	3.6  	  	DISCHARGE OF THE COMPANY’S OBLIGATIONS	  	15
		
	ARTICLE IV LIMIT ON PAYMENTS BY THE COMPANY	  	16
			
	4.1  	  	APPLICATION OF THIS ARTICLE IV	  	16
	4.2  	  	CALCULATION OF BENEFITS	  	16
	4.3  	  	IMPOSITION OF PAYMENT CAP	  	17
	4.4  	  	APPLICATION OF SECTION 280G	  	17
	4.5  	  	ADJUSTMENTS IN RESPECT OF THE PAYMENT CAP	  	18
		
	ARTICLE V DISPUTES	  	19
		
	ARTICLE VI GENERAL INFORMATION	  	19
			
	6.1  	  	ADMINISTRATION	  	19
	6.2  	  	PROGRAM AMENDMENT OR TERMINATION	  	20
	6.3  	  	NO CONTRACT OF EMPLOYMENT	  	20
	6.4  	  	LIMITATION ON LIABILITY	  	20
	6.5  	  	EXCLUSIVITY OF BENEFITS	  	21
	6.6  	  	IMPACT ON OTHER BENEFITS	  	21
	6.7  	  	TAXES	  	21
	6.8  	  	THIRD PARTIES	  	21
	6.9  	  	CAPTIONS	  	21
	6.10	  	CHOICE OF LAW	  	21
	6.11	  	NO LIMITATIONS ON CORPORATE ACTIONS	  	21
	6.12	  	NON-ALIENATION PROVISION	  	21
	6.13	  	SUCCESSORS	  	22

  

 Prudential Financial, Inc. Executive Change of Control Severance Program 
 i 

 PRUDENTIAL FINANCIAL, INC. 
 EXECUTIVE CHANGE OF CONTROL SEVERANCE PROGRAM 
 (Amended and Restated
Effective as of November 11, 2008) 
 ARTICLE I 
 PURPOSE AND OBJECTIVES 
 WHEREAS, Prudential Financial, Inc. (the “Company”)
believes that, in the event it is confronted with a situation that could result in a change in ownership or control of the Company, continuity of management will be essential to its ability to evaluate and respond to such a situation in the best
interests of shareholders; 
 WHEREAS, the Company also understands that any such situation will present significant concerns for certain key
management personnel at the Company and designated senior officers of its subsidiaries or other affiliates with respect to financial and job security; 
 WHEREAS, the Company wants to be proactive in assuring itself and its subsidiaries and affiliates of the services of these critical individuals during the period in which it is confronting such a situation, and in
providing such individuals with certain financial assurances to enable them to (i) perform their responsibilities without undue distraction and (ii) exercise their judgment without bias due to their personal circumstances; 
 WHEREAS, the Company wishes to provide these financial assurances in a uniform and equitable manner without engaging in negotiations with individual
executives; 
 WHEREAS, the Internal Revenue Code of 1986 was amended in 2004 to add a new Section 409A, which requires that, to avoid
(i) acceleration of the time at which amounts treated as deferred compensation, including for this purpose severance benefits, are recognized in income by employees and other service providers and (ii) the imposition on such persons of an
incremental rate of Federal income taxation on the amount included in income, the plans, programs or arrangements under which such deferred compensation is payable must generally be amended to comply with the requirements of such Section 409A
effective as of January 1, 2009; 
 WHEREAS, the Internal Revenue Service has issued final regulations under Section 409A which
provide an exemption from its provisions for amounts that would otherwise be subject to its terms if such amounts are required to be paid promptly following the time at which an employee’s rights to such amounts become nonforfeitable; and

  

 Prudential Financial, Inc. Executive Change of Control Severance Program 

 WHEREAS, in order to facilitate compliance with Section 409A, it is desirable that the provisions of
this Program be modified to qualify for such exemption. 
 NOW, THEREFORE, this Prudential Financial, Inc. Executive Change of Control
Severance Program (the “Program”) has been amended and restated effective as of November 11, 2008, to provide such assurances for those senior officers of the Company or designated senior officers of its subsidiaries or affiliates.

 ARTICLE II 
 DEFINITIONS 
 Accrued Obligations. “Accrued Obligations” has the meaning set forth in
Section 3.3(a)(iv). 
 Aggregate Parachute Payments. “Aggregate Parachute Payments” has the meaning set forth in
Section 4.2. 
 Annual Compensation. “Annual Compensation” shall mean the sum of (i) a Participant’s
annual Base Pay, and (ii) the average of the annual incentive compensation payments to the Participant for the three most recent calendar years (or, if less, the number of calendar years during which the Participant was employed by the
Company or any Subsidiary) prior to the Participant’s Year of Termination, or, for Participants first hired by the Company or any Subsidiary in the same year as such Participant’s Year of Termination, the target annual incentive
compensation payment for such year; provided, however, that in the case of a Participant whose annual compensation for services consists in any material fashion of commissions and/or other forms of compensation other than Base Pay and
annual incentive pay, the Program Committee shall determine the amount of such Participant’s Annual Compensation 
 Base Pay.
“Base Pay” means Base Pay as defined in Section 2704(b) of the Prudential Retirement Plan, as of the Participant’s Date of Termination. 
 Board. “Board” shall mean the Board of Directors of the Company. 
 Cause.
“Cause” means (i) an act or acts of dishonesty, fraud or gross misconduct on a Participant’s part which result or are intended to result in material damage to the Company’s business or reputation; (ii) the
Participant’s having been convicted of, or entered a plea of nolo contendere to, a crime that constitutes a felony; (iii) the breach by the Participant of any written covenant or agreement with the Company or any
Subsidiary not to disclose or misuse any information pertaining to, or misuse any property of, the Company or any Subsidiary or not to compete or interfere with the Company or any Subsidiary or (iv) the violation by the Participant of
any material policy or rule of the Company or any Subsidiary. 
  

 Prudential Financial, Inc. Executive Change of Control Severance Program 
 2 

 Change of Control. A “Change of Control” shall be deemed to have occurred if any of the
following events shall occur: 
 (i) any Person acquires “beneficial ownership” (within the meaning of Rule 13d-3
under the Exchange Act), directly or indirectly, of securities of the Company representing twenty-five percent (25%) or more of the combined Voting Power of the Company’s securities; or 
 (ii) within any 24-month period the members of the Board (the “Incumbent Company Directors”) shall cease to constitute at least
a majority of the Board or the board of directors of any successor to the Company; provided, however, that any director elected to the Board, or nominated for election to the Board, by a majority of the Incumbent Company Directors then still in
office shall be deemed to be an Incumbent Company Director for purposes of this subclause (ii); or 
 (iii) upon the
consummation of a Corporate Event, immediately following the consummation of which the stockholders of the Company, immediately prior to such Corporate Event do not hold, directly or indirectly, a majority of the Voting Power of 
  

	 	(x)	in the case of a merger or consolidation, the surviving or resulting corporation; 

  

	 	(y)	in the case of a share exchange, the acquiring corporation, or 

  

	 	(z)	in the case of a division or a sale or other disposition of assets, each surviving, resulting or acquiring corporation which, immediately following the relevant Corporate Event,
holds more than twenty-five percent (25%) of the consolidated assets of the Company immediately prior to such Corporate Event, provided that no Change of Control shall be deemed to have occurred with respect to any Participant who is employed,
immediately following such Corporate Event, by any entity in which the stockholders of the Company, as the case may be, immediately prior to such Corporate Event hold, directly or indirectly, a majority of the Voting Power; or

 (iv) any other event occurs which the Board declares to be a Change of Control. 
  

 Prudential Financial, Inc. Executive Change of Control Severance Program 
 3 

 Notwithstanding the foregoing, a Change of Control shall not be deemed to have occurred merely as a result of an
underwritten offering of the equity securities of the Company where no Person (including any “group” (within the meaning of Rule 13d-5(b) under the Exchange Act)) acquires more than twenty-five percent (25%) of the beneficial
ownership interests in such securities. 
 Code. “Code” means the Internal Revenue Code of 1986, as amended. 
 Company. “Company” means Prudential Financial, Inc., a New Jersey corporation. 
 Company Omnibus Incentive Plan. “Company Omnibus Incentive Plan” means the Prudential Financial, Inc. Omnibus Incentive Plan.

 Corporate Event. “Corporate Event” means a merger, consolidation, recapitalization or reorganization, share exchange,
division, sale, plan of complete liquidation or dissolution, or other disposition of all or substantially all of the assets of the Company, which has been approved by the shareholders of the Company. 
 Date of Termination. “Date of Termination” means the date of receipt of a Notice of Termination or, if later, the date of termination of
a Participant’s employment specified therein. 
 Employee. “Employee” means any individual who is compensated by the
Company or a Subsidiary for services actually rendered as a regular full-time or regular part-time (but not a temporary) employee and who, at the time of the designation by the Program Committee as a Participant, has attained the job grades of 1
through 5 under the Prudential Financial, Inc. Compensation Plan, or its equivalent, as determined by the Program Committee from time to time. 
 ERISA. “ERISA” means the Employee Retirement Income Security Act of 1974, as amended. 
 Exchange Act.
“Exchange Act” means the Securities Exchange Act of 1934, as amended. 
 Excise Tax. “Excise Tax” has the meaning
set forth in Section 4.1. 
 Enhanced Severance Amount. “Enhanced Severance Amount” has the meaning set forth in
Section 3.3(a)(v). 
  

 Prudential Financial, Inc. Executive Change of Control Severance Program 
 4 

 Good Reason. “Good Reason” means the occurrence of any of the following, without the
express written consent of the Participant, after the occurrence of a Change of Control: 
 (i) the assignment to the
Participant of any duties inconsistent in any material adverse respect with the Participant’s position, authority or responsibilities as in effect immediately prior to a Change of Control, or any other material adverse change in such position,
including titles, authority or responsibilities; 
 (ii) any material reduction in the Participant’s Base Pay, annual or
long-term incentive compensation opportunities or other material benefits (including, but not limited to, savings plans, defined benefit plans, welfare benefit plans and perquisites) from the level in effect immediately prior to a Change of Control,
provided that, a reduction in Base Pay or annual or long-term incentive compensation opportunities that is effected as part of an across-the-board reduction of the base salaries or incentive compensation of employees who are similarly
situated with respect to the Participant shall not be deemed to be a material reduction; 
 (iii) the Company’s requiring
a Participant to be based at any office or location more than 49 miles from that location at which he performed his services immediately prior to the Change of Control, except for travel reasonably required in the performance of a Participant’s
responsibilities; or 
 (iv) any material failure by the Company or a Subsidiary to obtain the commitment of any successor in
interest or failure on the part of such successor in interest to perform (A) the obligations to the Participant under this Program or (B) any employee-related obligations assumed by the successor in interest in connection
with its acquisition of the Company or a Subsidiary. 
 The occurrence of the events or conditions in clauses (i)-(iv) shall not constitute Good Reason
unless (x) the Participant provides written notice of the action(s) or omission(s) deemed to constitute Good Reason in accordance with the provisions hereof and (y) the Company or, if applicable, a Subsidiary fails to remedy
such action(s) or omission(s) within 30 days after the receipt of such written notice. In no event shall the mere occurrence of a Change of Control, absent any further impact on a Participant, be deemed to constitute Good Reason. 
 Group Welfare Benefit Plans. “Group Welfare Benefit Plans” has the meaning set forth in Section 3.3(b). 
 Indemnification Documents. The “Indemnification Documents” shall mean the indemnification provisions of the Articles of Incorporation
and By-Laws of the Company and/or such Subsidiary to which the Participant provided services, as in effect immediately prior to the Change of Control or, if more favorable to the Participant, immediately prior to any Potential Change of Control
related to such Change of Control. 
  

 Prudential Financial, Inc. Executive Change of Control Severance Program 
 5 

 Long-Term Incentives. “Long-Term Incentives” has the meaning set forth in
Section 3.3(a)(iii). 
 Noncompetition Agreement. The “Noncompetition Agreement” shall be an agreement limiting the
Participant’s ability to compete, individually or as part of another organization, substantially in the form attached as Exhibit A and satisfactory to, and approved by, the Program Committee. 
 Notice of Termination. Any termination by the Company (and/or, where applicable, a Subsidiary), whether with or without Cause, or by the
Participant for Good Reason shall be communicated by Notice of Termination to the Participant or the Company (or the applicable Subsidiary), as the case may be (except that such notice may be waived by the party intended to receive such notice). A
“Notice of Termination” means a written notice given, in the case of a termination for Cause, within thirty (30) business days of the Company’s (or the applicable Subsidiary’s) having actual knowledge of the events giving
rise to such termination, and in the case of a termination for Good Reason, within thirty (30) days of the Participant’s having actual knowledge of the events giving rise to such termination, and which (i) sets forth in
reasonable detail the facts and circumstances claimed to provide a basis for termination of the Participant’s employment, and (ii) if the termination date is other than the date of receipt of such notice, specifies the Date of
Termination (which date, in the case of any termination for other than Good Reason, shall be not more than 15 days after the giving of such notice). Notwithstanding any other provision hereunder, in the case of a termination for Good Reason, the
Date of Termination shall be 30 days after the Notice of Termination, provided that a Participant may not terminate his or her employment for Good Reason if the Company (or the applicable Subsidiary) cures the cause for such termination within 30
days of receiving the Notice of Termination. The failure by the Participant to set forth in the Notice of Termination any fact or circumstance which contributes to a showing of Good Reason shall not waive any right of the Participant hereunder or
preclude the Participant from asserting such fact or circumstance in enforcing his rights hereunder. A Notice of Termination shall be given in writing and delivered by first class mail, return receipt requested (or other form of delivery which
requires signature for delivery), addressed to the Company’s headquarters, if the notice is to the Company (or the applicable Subsidiary), or to the address of the Participant on the Company’s (or the applicable Subsidiary’s) records,
if addressed to the Participant. 
  

 Prudential Financial, Inc. Executive Change of Control Severance Program 
 6 

 Participant. “Participant” means any Employee who (x) at or after the date
of a Potential Change of Control, is employed by the Company or any Subsidiary and (y) has been designated in writing by the Program Committee, in its discretion, as eligible to participate in the Program as a Tier I Participant, Tier II
Participant or Tier III Participant. 
 Payment Cap. “Payment Cap” has the meaning set forth in Section 4.3(a).

 Person. A “Person” means any person (within the meaning of Section 3(a)(9) of the Exchange Act, including any group
(within the meaning of Rule 13d-5(b) under the Exchange Act)), but excluding any of the Company, any Subsidiary or any employee benefit plan sponsored or maintained by the Company or any Subsidiary. 
 Potential Change of Control. A “Potential Change of Control” shall be deemed to have occurred if any of the following events shall have
occurred: 
 (i) a Person commences a tender offer (with adequate financing) for securities representing at least 10% of the
Voting Power of the Company’s securities; 
 (ii) the Company enters into an agreement the consummation of which would
constitute a Change of Control; 
 (iii) at a time at which the Company is subject to the proxy disclosure rules of
Section 14 of the Exchange Act, proxies for the election of directors of the Company are solicited by anyone other than the Company; or 
 (iv) any other event occurs which is deemed to be a Potential Change of Control by the Board. 
 Program. “Program” means the Prudential Financial, Inc. Executive Change of Control Severance Program. 
 Program Committee. The “Program Committee” means a committee comprised of the persons who, prior to or at the time of a Potential Change of Control or an actual Change of Control, are serving as the members of the
Compensation Committee of the Company’s Board. Following the occurrence of a Potential Change of Control or Change of Control, the Company shall not have the right to change the individuals who serve on the committee acting as the Program
Committee. Any vacancies on such Committee following the occurrence of a Change of Control shall be filled, if at all, by a vote of at least 75% of the individuals then still serving as members of the Program Committee. 
  

 Prudential Financial, Inc. Executive Change of Control Severance Program 
 7 

 Pro-Rated Annual Incentives. “Pro-Rated Annual Incentives” has the meaning set forth in
Section 3.3(a)(ii). 
 Prudential Deferred Compensation Plans. “Prudential Deferred Compensation Plans” means:
(a) the Prudential Consolidated Deferred Compensation Plan; (b) the Prudential Deferred Compensation Plan; and (c) any other deferred compensation plan sponsored by the Company or any Subsidiary that is unfunded and is maintained
primarily for the purpose of providing deferred compensation for a select group of management or highly compensated employees. 
 Prudential Retirement Plan. “Prudential Retirement Plan” means: (a) The Prudential Retirement Plan Document; and (b) The Prudential Cash Balance Pension Plan Document, each a component of The Prudential Merged
Retirement Plan, as amended, (and, if appropriate for a particular Participant, the Prudential Securities Incorporated Cash Balance Pension Plan Document, a component of The Prudential Merged Retirement Plan). 
 Prudential Supplemental Retirement Plan. For purposes of this Program, the term “Prudential Supplemental Retirement Plan” includes:
(a) The Prudential Supplemental Retirement Plan; (b) the Prudential Insurance Supplemental Executive Retirement Plan; and (c) the PFI Supplemental Executive Retirement Plan. 
 Section 280G Safe Harbor Amount. “Section 280G Safe Harbor Amount” has the meaning set forth in Section 4.2. 
 Separation Agreement and General Release. “Separation Agreement and General Release” means a written document that includes, but is not
limited to, a release of rights and claims from a Participant and agreement not to solicit employees of the Company and its Subsidiaries, in a form substantially similar to Exhibit B, as the same may be amended by the Program Committee from time to
time. 
 Severance Amount. “Severance Amount” has the meaning set forth in Section 3.3(a)(v). 
 Subsidiary. “Subsidiary” means any corporation, partnership, limited liability company, business trust or other entity in which the
Company owns, directly or indirectly, more than 50% of the Voting Power in such entity. 
  

 Prudential Financial, Inc. Executive Change of Control Severance Program 
 8 

 Voting Power. A specified percentage of “Voting Power” of a company means such number of
the Voting Securities as shall enable the holders thereof to cast such percentage of all the votes which could be cast in an annual election of directors. 
 Voting Securities. “Voting Securities” means all securities of a company entitling the holders thereof to vote in an annual election of directors. 
 Year of Termination. “Year of Termination” means the calendar year during which the Participant’s employment with the Company or
any Subsidiary is terminated. 
 ARTICLE III 
 BENEFITS PAYABLE 
 3.1 Death; Disability or Retirement. If a Participant’s
employment with the Company and/or any Subsidiary is terminated by reason of the Participant’s death, voluntary retirement or termination of employment as a result of the Participant’s inability to perform the basic requirements of his or
her position due to physical or mental incapacity and after the Participant’s short-term disability benefits have expired under the terms of The Prudential Welfare Benefits Plan, no benefits will be payable under this Program. 
 3.2 Cause and Voluntary Termination. If a Participant’s employment with the Company and/or any Subsidiary is terminated for Cause or is
voluntarily terminated by the Participant (other than on account of Good Reason), no benefits will be payable under this Program. 
 3.3
Termination by the Company other than for Cause. If, during the two-year period following a Change of Control, a Participant’s employment is terminated by the Company and/or any Subsidiary other than for Cause, the Company shall provide
(or the Company shall cause a Subsidiary to provide) the Participant with the following compensation and benefits: 
 (a)
Severance and Other Termination Payments. The Participant shall be entitled to receive the following upon the execution of a Separation Agreement and General Release (and the expiration of any applicable revocation period): 
 (i) the Participant’s full Base Pay through the Date of Termination; 
  

 Prudential Financial, Inc. Executive Change of Control Severance Program 
 9 

 (ii) an amount (the “Pro-Rated Annual Incentive”) equal to the target annual
incentive compensation opportunity applicable to the Participant for the fiscal year in which the Date of Termination occurs (or, if there is no target opportunity stated for such year, an amount equal to the average of the annual incentive
compensation payments made to the Participant for the three calendar years (or, if less, the number of calendar years during which the Participant was employed by the Company or any Subsidiary) ended immediately prior to the Participant’s Year
of Termination), multiplied by a fraction, the numerator of which is the number of completed months in such fiscal year which have elapsed on or before (and including) the Date of Termination and the denominator of which is 12; 
 (iii) except to the extent that all or a portion of such amounts are otherwise payable to the Participant pursuant to the terms and
conditions of the governing plan documents or as may be specified in Section 3.3(c)(iii) below, an aggregate amount (the “ Long Term Incentives”) equal to the sum of the target long-term incentive opportunities (excluding stock
options or any other equity-based award approved by the Board or a duly authorized Committee of the Board) applicable to the Participant in respect of each performance cycle then in progress (i.e., each performance cycle which includes as
part of the performance period the Year of Termination. The Long Term Incentives will be payable in cash or, at the sole discretion of the Compensation Committee of the Board (as constituted immediately prior to the Change of Control), which shall
be exercised on or prior to the Date of Termination, in shares of common stock issued by the Company, any successor in interest to the Company or any parent corporation of either of the foregoing that is readily tradable on an established securities
market and which shall be valued based on the fair market value thereof on the Date of Termination; 
 (iv) any vested amounts
or benefits owing to the Participant under any otherwise applicable employee benefit plans and programs, both qualified and nonqualified, and not yet paid and any accrued vacation pay not yet paid by the Company (the “Accrued
Obligations”); 
 (v) a severance payment (the “Severance Amount”) equal to: 
 Tier I Participants: 2.0 times Annual Compensation; 
 Tier II Participants: 1.25 times Annual Compensation; 
  

 Prudential Financial, Inc. Executive Change of Control Severance Program 
 10 

 Tier III Participants: 1.0 times Annual Compensation; 
 provided that 
  

	 	(1)	in the case of a Tier I Participant, payment of the entire Severance Amount is expressly contingent upon such Participant executing a Noncompetition Agreement in the form attached
hereto as Exhibit A and 

  

	 	(2)	in the case of a Tier II or Tier III Participant, 

 the
Severance Amount shall be increased (the “Enhanced Severance Amount”) to the greater applicable amount reflected in the following table if, within 10 business days of his Date of Termination, a Participant executes a Noncompetition
Agreement in the form attached hereto as Exhibit A: 
 Tier II Participants: 2.0 times Annual Compensation; 
 Tier III Participants: 1.5 times Annual Compensation. 
 The Base Pay, Pro-Rated Annual Incentive and Long-Term Incentives shall be paid in cash in a single lump sum as soon as practicable, but in no event more than 30 days (or at such earlier date required by law)
following the later of (a) the Date of Termination or (b) the expiration of any revocation period after Participant’s execution of a Separation Agreement and General Release (the “Release Effective Date”). The Severance
Amount or the Enhanced Severance Amount, whichever is applicable, shall be paid in a single lump sum upon the later of (a) the tenth day following the Participant’s Date of Termination and (b) the Release Effective Date. Accrued
Obligations shall be paid in accordance with the terms of the applicable plan, program or arrangement. 
 (b) Continuation
of Benefits. After the Date of Termination, the Participant (and, to the extent applicable, his or her dependents) shall be entitled to continue participation in all of the group health and group life employee benefit plans of the Company or any
Subsidiary in which he or she participated (the “Group Welfare Benefit Plans”) during the Participant’s (or if applicable, his or her dependents’) applicable coverage period under the Consolidated Omnibus Budget Reconciliation
Act of 1985, as amended, to the degree such participation is permitted under the terms of the applicable plan, program or policy and in accordance with the requirements of the Code, ERISA or otherwise applicable law. To the extent any such benefits
cannot be provided under the terms of the applicable plan, policy or program and in accordance with the requirements of the 

  

 Prudential Financial, Inc. Executive Change of Control Severance Program 
 11 

 
Code, ERISA or otherwise applicable law, the Company or the appropriate Subsidiary shall provide a comparable benefit under another plan or from such
entity’s general assets. The Participant’s participation in the Group Welfare Benefit Plans will be on the same terms and conditions (including, without limitation, any condition that the Participant make contributions toward the cost of
such coverage on the same terms and conditions generally applicable to similarly situated employees) that would have applied had the Participant continued to be employed by the Company or a Subsidiary through the end of the period benefits are
provided under this Section 3.3(b). Notwithstanding the foregoing sentence, the Company or the appropriate Subsidiary shall be required to pay the excess of the cost of the medical coverage and life insurance provided to the Participant (and to
the extent applicable, the Participant’s dependents) hereunder over the cost that the Participant (or his dependents) would have paid for such coverage if the Participant had remained employed. If any of the benefits provided hereunder to the
Participant and/or his dependents are treated as taxable to the recipient under federal, state or local tax laws and would not have been so taxable if the Participant were then still an employee, the Participant shall be paid a cash amount equal to
such taxes plus an additional amount equal to any taxes applicable to any such additional payments made hereunder, such that the net effect to the recipient is the same as would have resulted had the amounts paid or benefits provided been
non-taxable. Any such tax gross-up payment shall be made promptly following the date the corresponding taxable welfare benefits are provided to the Participant, but not later than 60 days following the end of the calendar quarter in which such
welfare benefits are provided to Participant or his eligible dependents. 
 (c) Awards under the Company Omnibus Incentive
Plan. Awards under the Prudential Financial, Inc. Omnibus Incentive Plan (the “Omnibus Plan”) shall be governed by the terms of the Omnibus Plan and the applicable grant acceptance agreements; provided that, in no event shall
any such award that is (i) deferred compensation subject to the provisions of Section 409A of the Code and (ii) intended to comply with Section 409A by being payable on account of separation from service (within the
meaning of such Section 409A) be paid (x) on account of any termination of employment that is not such a separation from service and (y) earlier than six months following the separation from service if, at the time of
such separation from service, the Participant is a specified employee (within the meaning of such Section 409A), as determined in accordance with the Company’s applicable policies and practices. 
  

 Prudential Financial, Inc. Executive Change of Control Severance Program 
 12 

 (d) Enhanced Retirement Benefits. The Participant shall also receive a cash lump
sum payment, as additional severance, at the same time as the Severance Benefit is paid to the Participant, equal to the excess of: 
 (i) the hypothetical present value of the defined benefit retirement benefits that would have been accrued by the Participant under the Prudential Retirement Plan, the Prudential Supplemental Retirement Plan, and any other additional
defined benefit retirement plan(s) sponsored or maintained by the Company or a Subsidiary in which the Participant is a participant, taking into account the following service, age and compensation factors: 
  

	 	(A)	Service: The hypothetical benefit to be calculated will include the following additional amount of deemed service for the Participant: 

 I) two additional years of service, in the case of a Tier I Participant, 
 II) two additional years of service, in the case of a Tier II Participant who receives an Enhanced Severance Amount, 
 III) one and one half additional years of service, in the case of a Tier III Participant who receives an Enhanced Severance Amount, 
 IV) one and one quarter additional years of service, in the case of a Tier II Participant who does not receive an Enhanced Severance Amount, 
 V) one additional year of service, in the case of a Tier III Participant who does not receive an Enhanced Severance Amount, and 
  

	 	(B)	Age: The Participant had attained the age he or she would have attained had he remained employed through the period of additional service credited to the Participant under
subclause (A). 

  

	 	(C)	Compensation: Where compensation is a relevant factor, the Participant’s Severance Amount (or Enhanced Severance Amount, as the case may be) shall be deemed to have been
paid ratably over the period of additional service credited above and treated as “compensation” taken into account for purposes of determining the accrued retirement benefits. 

  

 Prudential Financial, Inc. Executive Change of Control Severance Program 
 13 

	 	(D)	Cash Balance Credits: To the degree applicable and consistent with the provisions set forth in subclause (A) and (C) above, additional credits under any cash
balance component of the Prudential Retirement Plan shall be added to such Participant’s hypothetical accrued benefit, calculated as if the credit(s) applicable to a Participant’s account as of the last day of the plan year prior to the
Date of Termination would continue to be credited to a Participant’s cash balance account through the period of additional service set forth in subclause (A) and calculated by reference to such compensation as described in subclause
(C) under the provisions of such plan over 

 (ii) the actual present value of the defined benefit
retirement benefits actually accrued by such Participant under the Prudential Retirement Plan, the Prudential Supplemental Retirement Plan, and any additional defined benefit retirement plan(s) sponsored or maintained by the Company or a Subsidiary
in which the Participant is a participant as of the Date of Termination. 
 The determination of the present value of a Participant’s
retirement benefits under this provision shall be made by the actuary serving, immediately prior to the Change of Control, as the actuary of the Prudential Retirement Plan, using the actuarial assumptions and such other information in use under such
plan immediately prior to the Change of Control (except as may be modified in subclause (i)(D) above). 
 (e) Prudential
Deferred Compensation Plans. In accordance with the provisions of the Prudential Deferred Compensation Plans, the Participant is at all times fully vested in his or her accrued benefit under such Plans, and payments from such Plans to the
Participant shall be made at the date determined in accordance with such Plans’ terms. 
 (f) Indemnification. The
Company and each Subsidiary for whom the Participant performed services as a director, officer or employee shall indemnify the Participant, to the maximum extent permitted under the Indemnification Documents. 
 (g) Expenses. With regard to any reimbursement of expenses to which a Participant is entitled under this Plan, (i) the
reimbursement of expenses incurred in any calendar year shall not in any way affect the reimbursement of expenses incurred in any other calendar year, (ii) no such reimbursement shall occur later than the end of the calendar year following the
year in which the related expense is incurred and (iii) the right to reimbursement is not subject to liquidation or exchange for any other benefit. 
  

 Prudential Financial, Inc. Executive Change of Control Severance Program 
 14 

 3.4 Termination by the Participant for Good Reason. If, after a Change of Control and prior to the
second anniversary of such Change of Control, the Participant terminates his employment for Good Reason, the Company or the appropriate Subsidiary shall provide to the Participant the same amounts and benefits as would be payable to the Participant
if such termination were a termination by the Company or such Subsidiary without Cause. 
 3.5 Termination of Employment by the Company
Following a Potential Change of Control. If the Company and each Subsidiary terminates a Participant’s employment other than for Cause after the occurrence of a Potential Change of Control and, within two years after such Potential Change
of Control, a Change of Control shall occur such Participant shall be treated, solely for purposes of this Program, to have continued in employment until the occurrence of the Change of Control and to have been terminated thereafter by the Company
and such Subsidiary, without Cause, in which case he or she shall be entitled to the benefits described in Section 3(c) above, reduced by the amount of any other severance benefits previously provided to him in connection with such termination
(other than any such benefits payable pursuant to the terms of a plan which is intended to meet the requirements of Section 401(a) of the Code). 
 3.6 Discharge of the Company’s Obligations. Except as expressly provided herein, the amounts payable to a Participant pursuant to this Program (whether or not reduced as provided below) shall be
conditioned upon the Participant’s executing an Separation Agreement and General Release in favor of the Company and each Subsidiary and certain other parties designated therein of any claims the Participant may have in respect of his
employment by any of the Company or any Subsidiary within 45 days following his Date of Termination. Any payment under this Program shall be null and void upon a Participant’s failure timely to sign, or subsequent revocation of, such Separation
Agreement and General Release. Any breach by a Participant of an Separation Agreement and General Release upon which any payment under this Program has been conditioned shall give the Company the right to terminate any payment otherwise due and/or
to the return of such amounts payable under this Program, in addition to any other remedy the Company may have. Notwithstanding the foregoing, nothing in this Program shall be construed to 
 (a) affect, limit or modify in any way or release any claim the Participant may have with respect to any amounts payable pursuant to this
Program or any vested amounts or benefits owing to the Participant under any otherwise applicable employee benefit plans and programs maintained or contributed by any of the Company or any Subsidiary (except that this Program will supersede any
otherwise applicable severance policy), including any compensation previously deferred by the Participant (together with any accrued earnings thereon) and not yet paid and any accrued vacation pay not yet paid, or 
  

 Prudential Financial, Inc. Executive Change of Control Severance Program 
 15 

 (b) release the Company or any Subsidiary from its commitment to indemnify the
Participant and hold the Participant harmless from and against any claim, loss or cause of action arising from or out of the Participant’s performance as an officer, director or employee of the Company or any such Subsidiary or in any other
capacity, including any fiduciary capacity, in which the Participant served at the request of the Company or any Subsidiary to the maximum extent permitted by the Indemnification Documents. 
 Except as otherwise expressly provided herein, the obligation of the Company or any Subsidiary to make the payments provided for in this Program shall not be affected by
any circumstances, including, without limitation, any set-off, counterclaim, recoupment, defense or other right which the Company or any such Subsidiary may have against the Participant or others whether by reason of the subsequent employment of a
Participant or otherwise. 
 ARTICLE IV 
 LIMIT ON PAYMENTS BY THE COMPANY 
 4.1 Application of this Article IV. In the event
that any amount or benefit paid or distributed to the Participant pursuant to this Program, taken together with any amounts or benefits otherwise paid or distributed to the Participant by the Company or any Subsidiary (the “Covered
Payments”), would be an “excess parachute payment” as defined in Section 280G of the Code and would thereby subject the Participant to the tax (the “Excise Tax”) imposed under Section 4999 of the Code (or any
similar tax that may hereafter be imposed), the provisions of this Article IV shall apply to determine the amounts payable to the Participant pursuant to this Program. Further, any amount payable under the Program shall not exceed the maximum amount
permissible under the Prudential Financial Executive Officer Severance Policy, as applicable. 
 4.2 Calculation of Benefits.
Immediately following delivery of any Notice of Termination, the Company shall notify the Participant of the aggregate present value of all “parachute payments” (within the meaning of Section 280G of the Code) to which the Participant
would be entitled under this Program and any other plan, program or arrangement as of the projected Date of Termination (the “Aggregate Parachute Payments”), together with the projected maximum payments, determined as of such projected
Date of Termination, that could be paid without the Participant being subject to the Excise Tax (the “Section 280G Safe Harbor Amount”). 
  

 Prudential Financial, Inc. Executive Change of Control Severance Program 
 16 

 4.3 Imposition of Payment Cap. If the Aggregate Parachute Payments exceed the Section 280G
Safe Harbor Amount and the net after-tax benefit to the Participant would be greater (taking into account all applicable income, excise and employment taxes, whether imposed at the federal, state or local level) were the Aggregate Parachute Payments
not to exceed the Section 280G Safe Harbor Amount, then the amounts payable to the Participant under this Program shall be reduced to the maximum amount which may be paid hereunder without the Aggregate Parachute Payments exceeding the
Section 280G Safe Harbor Amount (such reduced payments to be referred to as the “Payment Cap”). In the event that the Participant receives reduced payments and benefits under this subsection, such payments and benefits shall be
reduced in connection with the application of the Payment Cap in the following manner: first the Participant’s Severance Amount shall be reduced, followed by, to the extent necessary and in order, the enhanced retirement benefits payable under
Section 3.3(d), the continuation of benefits under Section 3.3(b), the Pro-Rated Annual Incentive, the Long-Term Incentives and finally the Accrued Obligations. 
 4.4 Application of Section 280G. For purposes of determining whether any of the Covered Payments will be subject to the Excise Tax and the amount of such Excise Tax, 
 (a) such Covered Payments will be treated as “parachute payments” within the meaning of Section 280G of the Code, and all
“parachute payments” in excess of the “base amount” (as defined under Section 280G(b)(3) of the Code) shall be treated as subject to the Excise Tax, unless, and except to the extent that, in the good faith judgment of an
independent certified public accountant other than the Company’s normal independent certified public accountants or tax counsel selected by such accountants (the “Accountants”), relying on the best authority available at the time of
such determination (including, but not limited to, any proposed Treasury regulations upon which taxpayers may rely), that the Company or any otherwise applicable Subsidiary has a reasonable basis to conclude that such Covered Payments (in whole or
in part) either do not constitute “parachute payments” or represent reasonable compensation for personal services actually rendered (within the meaning of Section 280G(b)(4)(B) of the Code) in excess of the “base amount,” or
such “parachute payments” are otherwise not subject to such Excise Tax, 
 (b) the value of any non-cash benefits or
any deferred payment or benefit shall be determined by the Accountants in accordance with the principles of Section 280G of the Code, and 
 (c) in the case of a Participant who receives an Enhanced Severance Amount, the excess of the Enhanced Severance Amount payable to the Participant over the Severance Amount that would have been payable to such
Participant if he did not qualify for such Enhanced Severance Amount shall be treated as reasonable compensation for refraining from performing services after the Change of Control and Participant’s Date of Termination, and shall therefore not
be treated as a “parachute payment” for purposes of Section 280G of the Code. 
  

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 4.5 Adjustments in Respect of the Payment Cap. 
 (a) If the Participant receives reduced payments and benefits under this Article IV (or this Article IV is determined not to be applicable
to the Participant because the Accountants conclude that the Participant is not subject to any Excise Tax) and it is established pursuant to a final determination of a court or an Internal Revenue Service proceeding (a “Final
Determination”) that, notwithstanding the good faith of the parties in applying the terms of this Program, the aggregate “parachute payments” within the meaning of Section 280G of the Code paid to the Participant or for his
benefit are in an amount that would result in the Participant being subject an Excise Tax and, taking into account the amount of such aggregate parachute payments specified in such Final Determination, the Payment Cap should have been applied under
the provisions of Section 4.3, then the amount equal to the excess parachute payments made to the Participant shall be deemed for all purposes to be a loan to the Participant made on the date of receipt of such excess payments, which the
Participant shall have an obligation to repay to the entity making such payment on demand, together with interest on such amount at the applicable Federal rate (as defined in Section 1274(d) of the Code) from the date of the payment hereunder
to the date of repayment by the Participant. 
 (b) If the Participant receives reduced payments and benefits under this
Article IV and it is established pursuant to a Final Determination that, notwithstanding the good faith of the parties in applying the terms of this Program, the aggregate “parachute payments” within the meaning of Section 280G of the
Code paid to the Participant or for his benefit are in an amount that would result in the Participant being subject to an Excise Tax and, taking into account the amount of such aggregate parachute payments, the Payment Cap should not have been
applied under Section 4.3, then the Company shall pay the Participant 30 days following such Final Determination an amount equal to the excess of (i) the amount of Aggregate Parachute Payments that would have been payable to the
Participant without regard to Section 4.3 over (ii) the reduced amount actually paid to the Participant in accordance with Section 4.3, together with interest on such excess amount at the applicable Federal rate (as defined in
Section 1274(d) of the Code) from the date payment would have been made to the Participant of such excess amount (or any portion thereof) but for the application of Section 4.3 to the date of actual payments. 
  

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 (c) If the Participant receives reduced payments and benefits by reason of
Section 4.3(a) and it is established pursuant to a Final Determination that the Participant could have received a greater amount without exceeding the Payment Cap, then the Company or the appropriate Subsidiary shall promptly thereafter pay the
Participant within 30 days of the date of the Final Determination the aggregate additional amount which could have been paid without exceeding the Payment Cap, together with interest on such amount at the applicable Federal rate (as defined in
Section 1274(d) of the Code) from the original payment due date to the date of actual payment. 
 ARTICLE V 
 DISPUTES 
 Any dispute or
controversy arising under or in connection with this Program shall be resolved by binding arbitration. The arbitration shall be held in the city of Newark, New Jersey (or such other location as the parties shall mutually agree to in writing) and
shall be conducted in accordance with the Expedited Employment Arbitration Rules of the American Arbitration Association then in effect at the time of the arbitration (or such other rules as the parties may agree to in writing), and otherwise in
accordance with principles which would be applied by a court of law or equity. The arbitrator shall be acceptable to both the Company and the Participant. If the parties cannot agree on an acceptable arbitrator, the dispute shall be heard by a panel
of three arbitrators, one appointed by each of the parties and the third appointed by the other two arbitrators. If a Participant asserts any claim as to his or her eligibility for benefits under this Program, the Participant’s employer shall
pay the Participant’s legal expenses (or cause such expenses to be paid) including, without limitation, his or her reasonable attorney’s fees, on a quarterly basis, upon presentation of proof of such expenses in a form acceptable to the
Company, provided that the Participant shall reimburse such amounts, plus simple interest thereon at the 90-day United States Treasury Bill rate as in effect from time to time, compounded annually, if the Participant does not prevail as to at least
one material issue presented to the arbitrator(s). 
 ARTICLE VI 
 GENERAL INFORMATION 
 6.1 Administration. The Program is sponsored
solely by the Company, and will be payable from the general assets of the Company and, as applicable, a Subsidiary. The Program will be administered by the Program Committee. The Program Committee shall have full and complete authority to interpret
this Program, and to make all determinations hereunder relating to the participation and eligibility of eligible employees for benefits, including, but not limited to, making determinations as to eligibility for benefits or to participate in the
Program, the amount of benefits payable, the time at which benefits cease to be payable, and other comparable issues. In addition, with respect to participation in the Program of anyone other than a Tier I Participant, the Program Committee may
delegate any of its authority and responsibilities, subject to Program Committee review and to the extent permitted by law, to any officer or committee of 

  

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officer(s) of the Company, including, but not limited to the delegation to the Chief Executive Officer of the authority to designate Employees as Tier II and
Tier III Participants. The determinations made by the Program Committee or its delegate shall be final, binding and conclusive on all persons affected thereby, including, but not limited to, each Participant, the Company and each Subsidiary. The
Company and/or the Program Committee, as the case may be, shall maintain such procedures and records as each deems necessary or appropriate. Each Participant shall receive a copy of the Program, and written confirmation of his or her participation
thereunder. 
 6.2 Program Amendment Or Termination. This Program may be amended or terminated at any time by the Board, subject to
the following limitations. Any amendment or termination that adversely affects Participants shall not be given any effect until the expiration of one year from the date that Participants are given written notice of the such amendment or termination.
Upon a Change of Control or any Potential Change of Control, the Program may not be terminated or amended in a manner that adversely affects Participants. In the event a Change of Control occurs during the one-year notice period required with
respect to a termination or amendment that adversely affects Participants, such termination or amendment shall be rendered void and without effect. The Program Committee may terminate a Participant’s participation in the Program at any time,
provided that (i) such termination shall not be given effect until the expiration of six months from the date that the Participant is given notice thereof, and (ii) the Participant’s participation hereunder may not be
terminated after a Change of Control or a Potential Change of Control (even if notice of termination had been given prior to the occurrence of any such event). Notwithstanding anything else contained herein to the contrary, no Participant shall be
or become entitled to benefits hereunder upon the termination of his or her employment by the Company, or as a result of any event that would otherwise have constituted Good Reason hereunder, if such termination or event first occurs after the
second anniversary of the first Change of Control occurring during the term of this Program. This program shall automatically terminate at the later of two years after a Change of Control or the satisfaction of all Program liabilities to
Participants. 
 6.3 No Contract Of Employment. The existence of this Program, as in effect at any time or from time to time, shall
not be deemed to constitute a contract of employment between the Company or any Subsidiary and any employee or Participant, nor shall it constitute a right to remain in the employ of the Company or any Subsidiary. Employment with the Company or any
Subsidiary is employment-at-will and either party may terminate the Participant’s employment at any time, for any reason, with or without cause or notice. 
 6.4 Limitation On Liability. The liability of the Company or any Subsidiary under this Program is limited to the obligations expressly set forth in the Program, and no term or provision of this Program may be
construed to impose any further or additional duties, obligations, or costs on the Company, any Subsidiary or the Program Committee not expressly set forth in the Program. 
  

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 6.5 Exclusivity Of Benefits. Except as otherwise expressly provided herein with respect to a
termination occurring prior to a Change of Control but after a Potential Change of Control, a Participant who receives benefits under this Program shall not be entitled to any severance benefits under any other severance plan, program, or
arrangement (including, without limitation, (a) the Prudential Severance Plan, the Prudential Severance Plan for Executives and the Prudential Severance Plan for Senior Executives or (b) any employment contract to which the Participant and
the Company are parties) sponsored or adopted by the Company. 
 6.6 Impact on Other Benefits. Amounts paid under the Program shall
not be included in a Participant’s compensation for purposes of calculating benefits under any other plan, program or arrangement sponsored by the Company or a Participating Company, unless such plan, program or arrangement expressly provides
that amounts paid under the Plan shall be included. 
 6.7 Taxes. The Company or the appropriate Subsidiary shall have the right to
deduct from all payments any federal, state, or local taxes or other obligations required by law to be withheld with respect to such payments. 
 6.8 Third Parties. Nothing express or implied in this Program is intended or may be construed to give any person other than eligible Participants any rights or remedies under this Program. 
 6.9 Captions. The headings and captions appearing herein are inserted only as a matter of convenience. They do not define, limit, construe, or
describe the scope or intent of the provisions of the Program. 
 6.10 Choice Of Law. Except to the extent that they may be preempted
by the operation of Federal law, this Program shall be governed by the laws of the State of New Jersey, other than the provisions thereof relating to conflict of laws. 
 6.11 No Limitations On Corporate Actions. Except to the extent expressly provided in Section 6.2, nothing contained in this Program shall be construed to prevent the Company, or any Subsidiary, from
taking any corporate action which is deemed by it to be appropriate, or in its best interest, whether or not such action would have an adverse effect on this Program. No employee, beneficiary, or other person, shall have any claim against the
Company or any Subsidiary as a result of any such action. 
 6.12 Non-Alienation Provision. Subject to the provisions of applicable
law, no interest of any person or entity in any benefit under the Program shall be subject in any 

  

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manner to sale, transfer, assignment, pledge, attachment, garnishment, or other alienation or encumbrance of any kind; nor may such benefit be taken, either
voluntarily or involuntarily, for the satisfaction of the debts of, or other obligations or claims against, such person or entity, including (but not limited to) claims for alimony, support, separate maintenance and claims in bankruptcy proceedings.

 6.13 Successors. All obligations of the Company and any Subsidiary under the Program shall be binding upon and inure to the benefit
of any successor to the Company or such Subsidiary, whether the existence of such successor is the result of a direct or indirect purchase, merger, consolidation, demutualization or otherwise. 
  

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