Document:

EX-4.1

 Exhibit 4.1 
 GENWORTH HOLDINGS, INC., 
 as Issuer 

GENWORTH FINANCIAL, INC., 
 as Guarantor 
 AND 

THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., 
 as Trustee 
  

 
 SUPPLEMENTAL
INDENTURE NO. 10 
 Dated as of August 8, 2013 

 
  

 THIS SUPPLEMENTAL INDENTURE No. 10 (this “Supplemental Indenture
No. 10”), dated as of August 8, 2013, is among GENWORTH HOLDINGS, INC., a Delaware corporation (the “Company”), GENWORTH FINANCIAL, INC., a Delaware corporation (the “Guarantor”), and THE BANK OF
NEW YORK MELLON TRUST COMPANY, N.A. (as successor to JPMorgan Chase Bank, N.A.), a national banking association, as Trustee (the “Trustee”). 
 R E C I T A L S 
 WHEREAS, the Company has heretofore executed and delivered to
the Trustee an Indenture dated as of June 15, 2004 (the “Base Indenture”) and Supplemental Indenture No. 1 dated as of June 15, 2004 (the “First Supplemental Indenture”), Supplemental Indenture
No. 2 dated as of September 19, 2005 (the “Second Supplemental Indenture”), Supplemental Indenture No. 3 dated as of June 12, 2007 (the “Third Supplemental Indenture”), Supplemental Indenture
No. 4 dated as of May 22, 2008 (the “Fourth Supplemental Indenture”), Supplemental Indenture No. 5 dated as of December 8, 2009 (the “Fifth Supplemental Indenture”), Supplemental Indenture
No. 6 dated as of June 24, 2010 (the “Sixth Supplemental Indenture”), Supplemental Indenture No. 7 dated as of November 22, 2010 (the “Seventh Supplemental Indenture”), Supplemental Indenture
No. 8 dated as of March 25, 2011 (the “Eighth Supplemental Indenture”), each between the Company and the Trustee, and Supplemental Indenture No. 9 dated as of April 1, 2013 (the “Ninth Supplemental
Indenture”), between the Company, the Guarantor and the Trustee (the Base Indenture, together with the First Supplemental Indenture, the Second Supplemental Indenture, the Third Supplemental Indenture, the Fourth Supplemental Indenture, the
Fifth Supplemental Indenture, the Sixth Supplemental Indenture, the Seventh Supplemental Indenture, the Eighth Supplemental Indenture, the Ninth Supplemental Indenture and this Supplemental Indenture No. 10, the “Indenture”),
providing for the issuance from time to time of series of the Company’s Securities; 
 WHEREAS, Section 10.01(d) of
the Base Indenture provides for the Company and the Trustee to enter into an indenture supplemental to the Base Indenture to establish the forms or terms of Securities of any series as permitted by Section 2.01 or Section 2.02 of the Base
Indenture; 
 WHEREAS, the Company and the Guarantor wish to provide for the full and unconditional guarantee of the
Company’s payment obligations under the Notes (as defined below) and the Indenture in respect of the Notes on the terms and conditions set forth herein; 

  
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 WHEREAS, pursuant to Section 2.02 of the Base Indenture, the Company wishes to provide
for the issuance of a new series of Securities to be known as its 4.900% Senior Notes due 2023 (the “Notes”), the form and terms of such Notes and the terms, provisions and conditions thereof to be set forth as provided in this
Supplemental Indenture No. 10; and 
 WHEREAS, the Company has requested that the Trustee execute and deliver this
Supplemental Indenture No. 10 and all requirements necessary to make this Supplemental Indenture No. 10 a valid, binding and enforceable instrument in accordance with its terms, and to make the Notes, when executed by the Company and
authenticated and delivered by the Trustee, the valid, binding and enforceable obligations of the Company, have been done and performed, and the execution and delivery of this Supplemental Indenture No. 10 has been duly authorized in all
respects; 
 NOW, THEREFORE, in consideration of the covenants and agreements set forth herein and for other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto hereby agree as follows: 

ARTICLE 1 

DEFINITIONS 
 Section 1.01. Relation to Base Indenture. This Supplemental Indenture No. 10 constitutes an integral part of the Base Indenture. 

Section 1.02. Definition of Terms. For all purposes of this Supplemental Indenture No. 10: 

(a) Capitalized terms used herein without definition shall have the meanings set forth in the Base Indenture; 

(b) a term defined anywhere in this Supplemental Indenture No. 10 has the same meaning throughout; 

(c) the singular includes the plural and vice versa; 
 (d) headings are for convenience of reference only and do not affect interpretation; 
 (e) the following terms have the meanings given to them in this Section 1.02(e): 
 “Business Day” shall mean, unless otherwise specified, any calendar day that is not a Saturday, Sunday or legal holiday in New York, New York and on which commercial banks are open for
business in New York, New York. 

  
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 “Comparable Treasury Issue” shall mean the United States Treasury security
selected by an Independent Investment Banker as having a maturity comparable to the remaining term (“Remaining Life”) of the Notes to be redeemed that would be utilized, at the time of selection and in accordance with customary
financial practice, in pricing new issues of corporate debt securities of comparable maturity to the remaining term of such Notes. 
 “Comparable Treasury Price” shall mean, with respect to any Redemption Date, (A) the average of the Reference Treasury Dealer Quotations for such Redemption Date, after excluding the
highest and lowest such Reference Treasury Dealer Quotations, or (B) if the Independent Investment Banker obtains fewer than three such Reference Treasury Dealer Quotations, the average of all such Quotations or, if only one such Quotation is
obtained, such Quotation. 
 “Global Note” shall have the meaning set forth in Section 2.04. 

“Independent Investment Banker” shall mean an independent investment banking institution of national standing appointed
by the Company, which may be one of the Reference Treasury Dealers. 
 “Interest Payment Date” shall have the
meaning set forth in Section 2.05(b). 
 “Maturity Date” shall have the meaning set forth in Section 2.02.

 “Record Date” shall mean, with respect to any Interest Payment Date for the Notes, the first day, whether or
not a Business Day, of the calendar month in which such Interest Payment Date falls. 
 “Redemption Date” shall
mean, with respect to any redemption of Notes, the date fixed for such redemption pursuant to the Indenture and such Notes. 

“Reference Treasury Dealer” shall mean (i) each of Barclays Capital Inc., Goldman, Sachs & Co. and J.P.
Morgan Securities LLC, and their respective successors, provided, however, that if any of the foregoing shall cease to be a primary U.S. government securities dealer in the United States (a “Primary Treasury Dealer”), the
Company will substitute therefor another Primary Treasury Dealer and (ii) any other Primary Treasury Dealer selected by the Company. 

  
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 “Reference Treasury Dealer Quotations” shall mean, with respect to each
Reference Treasury Dealer and any Redemption Date, the average, as determined by the Independent Investment Banker, of the bid and asked prices for the Comparable Treasury Issue (expressed in each case as a percentage of its principal amount) quoted
in writing to the Independent Investment Banker by the Reference Treasury Dealer at 5:00 p.m. on the third Business Day preceding such Redemption Date. 
 “Treasury Rate” shall mean, with respect to any Redemption Date, (i) the yield, under the heading which represents the average for the immediately preceding week, appearing in the
most recently published statistical release designated “H.15 (519)” or any successor publication which is published weekly by the Board of Governors of the Federal Reserve System and which establishes yields on actively traded United
States Treasury securities adjusted to constant maturity under the caption “Treasury Constant Maturities,” for the maturity corresponding to the Comparable Treasury Issue (if no maturity is within three months before or after the Remaining
Life, yields for the two published maturities most closely corresponding to the Comparable Treasury Issue shall be determined and the Treasury Rate shall be interpolated or extrapolated from such yields on a straight line basis, rounding to the
nearest month), (ii) if the period from the Redemption Date to the Maturity Date of the Notes to be redeemed is less than one year, the weekly average yield on actually traded United States Treasury securities adjusted to a constant maturity of
one year will be used, or (iii) if such release (or any successor release) is not published during the week preceding the calculation date or does not contain such yields, the rate per annum equal to the semiannual equivalent yield to maturity
of the Comparable Treasury Issue, calculated using a price for the Comparable Treasury Issue (expressed as a percentage of its principal amount) equal to the Comparable Treasury Price for such Redemption Date. The Treasury Rate shall be calculated
by the Company on the third Business Day preceding such Redemption Date. The Trustee shall not be responsible for any such calculation or for the calculation of the related Optional Redemption Price (as defined in Section 3.01). 

The terms “Company,” “Guarantor,” “Trustee,” “Indenture,”
“Base Indenture,” and “Notes” shall have the respective meanings set forth in the recitals to this Supplemental Indenture No. 10 and the paragraph preceding such recitals. 

ARTICLE 2 

GENERAL TERMS AND CONDITIONS OF THE
NOTES 
 Section 2.01. Designation and Principal Amount. The Notes may be issued from time to
time upon written order of the Company for the authentication 

  
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and delivery of Notes pursuant to Section 2.03 of the Base Indenture. There is hereby authorized a series of Securities designated as the 4.900% Senior Notes due 2023 limited in aggregate
principal amount to U.S. $400,000,000 (except for Notes authenticated and delivered in accordance with the last paragraph of Section 2.02 of the Base Indenture or upon registration of transfer of, or in exchange for, or in lieu of, other Notes
pursuant to Sections 2.06, 2.07, 2.08, 3.03 or 10.04 of the Base Indenture). 
 Section 2.02. Maturity. The
date upon which the Notes shall become due and payable at final maturity, together with any accrued and unpaid interest, is August 15, 2023 (the “Maturity Date”). 

Section 2.03. Form, Payment and Appointment. Except as provided in Section 2.04, the Notes shall be issued in
fully registered, certificated form. Principal of and interest on the Notes will be payable, the transfer of such Notes will be registrable, and such Notes will be exchangeable for Notes of a like aggregate principal amount, at the office or agency
of the Company maintained for such purpose in the Borough of Manhattan, The City of New York, which shall initially be the Principal Office of the Trustee in the Borough of Manhattan, the City of New York; provided, however, that
payment of interest may be made at the option of the Company by check mailed to the Person entitled thereto at such address as shall appear in the Security register or by wire transfer to an account appropriately designated by the Person entitled to
payment; provided, that the paying agent shall have received written notice of such account designation at least five Business Days prior to the date of such payment (subject to surrender of the relevant Note in the case of a payment of
interest on a Redemption Date or the Maturity Date). 
 No service charge shall be made for any registration of transfer or
exchange of the Notes, but the Company may require payment from the holder of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection therewith. 

The Security registrar and paying agent for the Notes shall initially be the Trustee. 

The Notes shall be issuable in denominations of U.S. $2,000 and integral multiples of U.S. $1,000 in excess of $2,000. 

The Specified Currency of the Notes shall be U.S. Dollars. 
 Section 2.04. Global Note. The Notes shall be issued initially in the form of a permanent Global Security in registered form (a “Global Note”), deposited with The
Depository Trust Company or such other Depositary as any officer of 

  
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the Company may from time to time designate. Unless and until such Global Note is exchanged for Notes in certificated form, such Global Note may be transferred, in whole but not in part, and any
payments on the Notes shall be made, only to the Depositary or a nominee of the Depositary, or to a successor Depositary selected or approved by the Company or to a nominee of such successor Depositary. 

Section 2.05. Interest. (a) Interest payable on any Interest Payment Date, the Maturity Date or, if
applicable, the Redemption Date, with respect to the Notes shall be the amount of interest accrued from, and including, the immediately preceding Interest Payment Date in respect of which interest has been paid or duly provided for (or from and
including the original issue date of August 8, 2013, if no interest has been paid or duly provided for with respect to the Notes) to, but excluding, such Interest Payment Date, Maturity Date or, if applicable, Redemption Date, as the case may
be (each, an “Interest Period”). 
 (b) The Notes will bear interest at the rate of 4.900% per year
from the original issue date thereof to the Maturity Date. Interest on the Notes shall be payable semi-annually in arrears on February 15 and August 15 of each year (each, an “Interest Payment Date”), commencing
February 15, 2014, to the Persons in whose names the relevant Notes are registered at the close of business on the Record Date for such Interest Payment Date, except as provided in Section 2.05(d). 

(c) The amount of interest payable for any full semi-annual Interest Period will be computed on the basis of a 360-day year
consisting of twelve 30-day months. The amount of interest payable for any period shorter than a full semi-annual Interest Period for which interest is computed will be computed on the basis of a 30-day month and, for any period less than a month,
on the basis of the actual number of days elapsed per 30-day month. In the event that any scheduled Interest Payment Date for the Notes falls on a day that is not a Business Day, then payment of interest payable on such Interest Payment Date will be
postponed to the next succeeding day which is a Business Day (and no interest on such payment will accrue for the period from and after such scheduled Interest Payment Date). 
 (d) In the event that the Maturity Date or a Redemption Date for any Note falls on a day that is not a Business Day, then the related payments of principal, premium, if any, and interest may be
made on the next succeeding day that is a Business Day (and no additional interest will accumulate on the amount payable for the period from and after the Maturity Date or a Redemption Date, as the case may be). Interest due on the Maturity Date or
a Redemption Date (in each case, whether or not an Interest Payment Date) of any Notes will be paid to the Person to whom principal of such Notes is payable. 

  
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 Section 2.06. No Sinking Fund. The Notes are not entitled to the benefit
of any sinking fund. 
 ARTICLE 3 
 REDEMPTION OF THE NOTES 
 Section 3.01. Optional Redemption by Company. Except as otherwise may be specified in this Supplemental Indenture No. 10, the Company shall have the right to redeem the Notes, in
whole or in part, at any time or from time to time, at a redemption price (the “Optional Redemption Price”) equal to the greater of: 
 (i) 100% of the principal amount plus accrued and unpaid interest to, but excluding, the Redemption Date; and 

(ii) the sum of the present values of the remaining scheduled payments of principal and interest (exclusive of
interest accrued to the Redemption Date) discounted to the Redemption Date on a semi-annual basis (assuming a 360-day year consisting of twelve 30-day months) at the Treasury Rate plus 35 basis points, plus accrued and unpaid interest on the
principal amount being redeemed to, but excluding, the Redemption Date. 
 The Company will mail notice of such
redemption to the registered holders of the Notes to be redeemed not less than 30 nor more than 60 days prior to the Redemption Date. If Notes are only partially redeemed pursuant to this Section 3.01, the Notes to be redeemed will be selected
by the Trustee in such manner as in its sole discretion it shall deem appropriate and fair; provided, that if at the time of redemption the Notes to be redeemed are registered as a Global Note, the Depositary shall determine, in accordance
with its procedures, the principal amount of the Notes to be redeemed held by each of its participants that holds a position in such Notes. The Optional Redemption Price shall be paid prior to 12:00 noon, New York time, on the Redemption Date or at
such later time as is then permitted by the rules of the Depositary for the Notes (if then registered as a Global Note); provided, that the Company shall deposit with the Trustee an amount sufficient to pay the Optional Redemption Price by
10:00 a.m., New York time, on the date such Optional Redemption Price is to be paid. The Trustee shall not be responsible for calculating the Optional Redemption Price.  

Section 3.02. No Other Redemption. Except as set forth in Section 3.01, the Notes shall not be redeemable by the
Company prior to the Maturity Date. The provisions of this Article 3 shall supersede any conflicting provisions contained in Article 3 of the Base Indenture. 

  
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 ARTICLE 4 
 FORM OF NOTES 

Section 4.01. Form of Notes. 
 The Notes and the Trustee’s Certificate of Authentication to be endorsed thereon are to be substantially in the forms attached as Exhibit A hereto, with such changes therein as the officers of the
Company executing the Notes (by manual or facsimile signature) may approve, such approval to be conclusively evidenced by their execution thereof. 
 ARTICLE 5 
 ORIGINAL ISSUE OF
NOTES 
 Section 5.01. Original Issue of Notes. Notes having an aggregate principal amount of
U.S. $400,000,000 (subject to the last paragraph of Section 2.02 of the Base Indenture) may from time to time, upon execution of this Supplemental Indenture No. 10, be executed by the Company and delivered to the Trustee for
authentication, and the Trustee shall thereupon authenticate and deliver said Notes to or upon the written order of the Company pursuant to Section 2.03 of the Base Indenture without any further action by the Company (other than as required by
the Base Indenture). 
 ARTICLE 6 
 GUARANTEE 
 Section 6.01. Security Guarantee.
Subject to the provisions of this Article 6, the Guarantor hereby irrevocably and unconditionally guarantees to the Trustee and the holders of the Notes on an unsecured, unsubordinated basis, the full and punctual payment (whether at stated
maturity, upon redemption, purchase pursuant to an offer to purchase or acceleration, or otherwise) of the principal of, premium, if any, and interest on, and all other amounts payable under, each Note, and the full and punctual payment of all other
amounts payable by the Company under the Indenture in respect of the Notes (including, for the avoidance of doubt, the Company’s compensation, indemnification and reimbursement obligations to the Trustee provided in Section 7.06 of the
Base Indenture) (the “Guarantee”). Upon failure by the Company to pay punctually any such amount, the Guarantor shall forthwith pay the amount not so paid at the place and in the manner specified in the Indenture. 

Section 6.02. Guarantee Unconditional, Etc. The Guarantor waives presentation to, demand of, payment from and protest
to the Company of any of the obligations of the Guarantor hereunder and also waives notice of protest for 

  
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nonpayment. The Guarantor waives notice of any default under the Notes or the obligations of the Guarantor hereunder. The obligations of the Guarantor hereunder are unconditional and absolute
and, without limiting the generality of the foregoing, will not be released, discharged or otherwise affected by: 
 (a)
any extension, renewal, settlement, compromise, waiver or release in respect of any obligation of the Company under the Indenture or the Notes, by operation of law or otherwise; 

(b) any modification or amendment of or supplement to the Indenture or the Notes; 

(c) any change in the corporate existence, structure or ownership of the Company, or any insolvency, bankruptcy, reorganization or
other similar proceeding affecting the Company or its assets or any resulting release or discharge of any obligation of the Company contained in the Indenture or the Notes; 

(d) the existence of any claim, set-off or other rights which the Guarantor may have at any time against the Company, the Trustee
or any other Person, whether in connection with the Indenture or any unrelated transactions, provided that nothing herein prevents the assertion of any such claim by separate suit or compulsory counterclaim; 

(e) any invalidity or unenforceability relating to or against the Company for any reason of the Indenture or the Notes, or any
provision of applicable law or regulation purporting to prohibit the payment by the Company of the principal of, premium, if any, or interest on any Note or any other amount payable by the Company under the Indenture; or 

(f) any other act or omission to act or delay of any kind by the Company, the Trustee or any other Person or any other
circumstance whatsoever which might, but for the provisions of this paragraph, constitute a legal or equitable discharge of or defense to the Guarantor’s obligations hereunder. 

Section 6.03. Discharge; Reinstatement. The Guarantor’s obligations hereunder will remain in full
force and effect until the principal of, premium, if any, and interest on the Notes and all other amounts payable by the Company under the Indenture have been paid in full. If at any time any payment of the principal of, premium, if any, or interest
on the Notes or any other amount payable by the Company under the Indenture in respect of the Notes is rescinded or must be otherwise restored or returned upon the insolvency, bankruptcy or reorganization of the Company or otherwise, the
Guarantor’s obligations hereunder with respect to such payment will be reinstated as though such payment had been due but not made at such time. 

  
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 Section 6.04. Subrogation and Contribution. Upon making any payment with
respect to any obligation of the Company under this Article 6, the Guarantor will be subrogated to the rights of the payee against the Company with respect to such obligation, provided that the Guarantor may not enforce either any right of
subrogation, or any right to receive payment in the nature of contribution, or otherwise, from any other Person who guarantees the Notes, with respect to such payment so long as any amount payable by the Company hereunder or under the Notes remains
unpaid. 
 Section 6.05. Stay of Acceleration. If acceleration of the time for payment of any amount
payable by the Company under the Notes or the Indenture is stayed upon the insolvency, bankruptcy or reorganization of the Company, all such amounts otherwise subject to acceleration under the terms of the Indenture are nonetheless payable by the
Guarantor hereunder forthwith on demand by the Trustee or the holders of the Notes. 
 Section 6.06. Execution
and Delivery of a Guarantee. The execution by the Guarantor of this Supplemental Indenture No. 10 evidences the Guarantee of the Guarantor, whether or not the person signing as an officer of the Guarantor still holds that office at the time
of authentication of any Note. The delivery of any Note by the Trustee after authentication constitutes due delivery of the Guarantee set forth in this Supplemental Indenture No. 10 on behalf of the Guarantor. 

Section 6.07. No Waiver. Neither a failure nor a delay on the part of either the Trustee or the holders of the Notes
in exercising any right, power or privilege under this Article 6 shall operate as a waiver thereof, nor shall a single or partial exercise thereof preclude any other or further exercise of any right, power or privilege. The rights, remedies and
benefits of the Trustee and the holders of the Notes herein expressly specified are cumulative and not exclusive of any other rights, remedies or benefits which either may have under this Article 6 at law, in equity, by statute or otherwise.

 Section 6.08. Provisions Binding on the Guarantor’s Successors. All the covenants,
stipulations, promises and agreements of the Guarantor contained in this Article 6 shall bind its successors and assigns whether so expressed or not. 

  
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 ARTICLE 7 
 SUPPLEMENTAL INDENTURES 

Section 7.01. Supplemental Indentures with Consent of holders of Notes. As set forth in Section 10.02 of
the Base Indenture, with the consent of the holders of a majority in the aggregate principal amount of Securities of each series affected by such supplemental indenture at the time outstanding, the Company and the Trustee may from time to time and
at any time enter into an indenture or indentures supplemental to the Base Indenture for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of the Base Indenture or this Supplemental Indenture
No. 10 or of modifying in any manner the rights of the holders of the Securities. 
 ARTICLE 8 

MISCELLANEOUS 
 Section 8.01. Ratification of Indenture. The Base Indenture, as supplemented by this Supplemental Indenture No. 10, is in all respects ratified and confirmed, and this
Supplemental Indenture No. 10 shall be deemed part of the Base Indenture in the manner and to the extent herein and therein provided. 
 Section 8.02. Trustee Not Responsible for Recitals. The recitals herein contained are made by the Company and the Guarantor and not by the Trustee, and the Trustee assumes no
responsibility for the correctness thereof. The Trustee makes no representation as to the validity or sufficiency of this Supplemental Indenture No. 10. 
 Section 8.03. New York Law To Govern. THIS SUPPLEMENTAL INDENTURE NO. 10 AND EACH NOTE SHALL BE DEEMED TO BE A CONTRACT MADE UNDER THE LAWS OF THE STATE OF NEW YORK, AND FOR ALL
PURPOSES SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF SAID STATE.  
 Section 8.04.
Separability. In case any one or more of the provisions contained in this Supplemental Indenture No. 10 or in the Notes shall for any reason be held to be invalid, illegal or unenforceable in any respect, then, to the extent permitted by
law, such invalidity, illegality or unenforceability shall not affect any other provisions of this Supplemental Indenture No. 10 or of the Notes, but this Supplemental Indenture No. 10 and the Notes shall be construed as if such invalid or
illegal or unenforceable provision had never been contained herein or therein. 

  
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 Section 8.05. Counterparts. This Supplemental Indenture
No. 10 may be executed in any number of counterparts each of which shall be an original, but such counterparts shall together constitute but one and the same instrument. 

Section 8.06. Benefits Acknowledged. The Guarantor’s Guarantee is subject to the terms and
conditions set forth herein. The Guarantor acknowledges that it will receive direct and indirect benefits from this Supplemental Indenture No. 10 and that the guarantee and waivers made by it pursuant to its Guarantee are knowingly made in
contemplation of such benefits. 
 [Signature page follows] 

  
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 IN WITNESS WHEREOF, the parties hereto have caused this Supplemental Indenture No. 10
to be duly executed, as of the day and year first written above. 
  

					
	GENWORTH HOLDINGS, INC., as Issuer
		
	By:	 	 /s/ Martin P. Klein

		 	Name:	 	Martin P. Klein
		 	Title:	 	Executive Vice President and Chief Financial Officer

  

					
	GENWORTH FINANCIAL, INC., as Guarantor
		
	By:	 	 /s/ Martin P. Klein

		 	Name:	 	Martin P. Klein
		 	Title:	 	Executive Vice President and Chief Financial Officer

  

					
	 THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A.,

 
 as Trustee

		
	By:	 	 /s/ Julie Hoffman-Ramos

		 	Name:	 	Julie Hoffman-Ramos
		 	Title:	 	Vice President

 [Signature page to Supplemental Indenture No. 10] 

 EXHIBIT A 
 [IF THIS NOTE IS TO BE A GLOBAL SECURITY, INSERT:] 
 THIS NOTE IS A GLOBAL SECURITY WITHIN THE
MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF THE DEPOSITORY TRUST COMPANY OR A NOMINEE OF THE DEPOSITORY TRUST COMPANY. THIS NOTE IS EXCHANGEABLE FOR SECURITIES REGISTERED IN THE NAME OF A PERSON OTHER THAN THE
DEPOSITORY TRUST COMPANY OR ITS NOMINEE ONLY IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE AND MAY NOT BE TRANSFERRED EXCEPT AS A WHOLE BY THE DEPOSITORY TRUST COMPANY TO A NOMINEE OF THE DEPOSITORY TRUST COMPANY OR BY A NOMINEE OF THE
DEPOSITORY TRUST COMPANY TO THE DEPOSITORY TRUST COMPANY OR ANOTHER NOMINEE OF THE DEPOSITORY TRUST COMPANY. 
 UNLESS THIS CERTIFICATE IS
PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME
OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER,
PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN. 
 GENWORTH HOLDINGS, INC. 
 4.900% Note due 2023 

 

							
	ISIN: US372491AA8 0	  		  		  	CUSIP: 372491 AA8
				
	No.	  		  		  	$ [            ]

 GENWORTH HOLDINGS, INC., a corporation organized and existing under the laws of Delaware (hereinafter
called the “Company”, which term includes any successor corporation under the Indenture hereinafter referred to), for value received, hereby promises to pay to
                    , or registered 

  
 A-1

 
assigns, [the principal sum of $        ]1 on August 15, 2023 (such date is hereinafter referred to as the “Maturity Date”), and to pay
interest thereon from August 8, 2013 or from the most recent Interest Payment Date to which interest has been paid or duly provided for, semi-annually in arrears on February 15 and August 15 of each year (each, an “Interest
Payment Date”), commencing February 15, 2014 at the rate of 4.900% per annum, on the basis of a 360-day year consisting of twelve 30-day months, until the principal hereof is paid or duly provided for or made available for
payment. The amount of interest payable for any period shorter than a full semi-annual Interest Period for which interest is computed will be computed on the basis of a 30-day month and, for any period less than a month, on the basis of the actual
number of days elapsed per 30-day month. The interest so payable, and punctually paid or duly provided for, on any Interest Payment Date will, as provided in such Indenture, be paid to the person in whose name the relevant Notes, or any predecessor
Notes, are registered at the close of business on the Record Date for such Interest Payment Date; provided that the interest due on the Maturity Date or a Redemption Date (in each case, whether or not an Interest Payment Date) of a Note of
this series will be paid to the Person to whom principal of such Note is payable. 
 Payment of the principal of and
interest on this Note will be made at the office or agency of the Company maintained for that purpose in The City of New York, which shall initially be the Principal Office of the Trustee located therein, in such coin or currency of the United
States of America as at the time of payment is legal tender for payment of public and private debts; provided, however, that payment of interest may be made at the option of the Company by check mailed to the Person entitled thereto at such
address as shall appear in the Security register or by wire transfer to an account appropriately designated by the Person entitled to payment provided, that the paying agent shall have received written notice of such account designation at
least five Business Days prior to the date of such payment (subject to surrender of the relevant Note in the case of a payment of interest on a Redemption Date or on the Maturity Date). 

Reference is hereby made to the further provisions of this Note set forth on the reverse hereof, which further provisions shall for all
purposes have the same effect as if set forth at this place. 
 Unless the certificate of authentication hereon has been
executed by the Trustee referred to on the reverse hereof by manual signature, this Note shall not be entitled to any benefit under the Indenture or be valid or obligatory for any purpose. 

 

	1 	USE THE FOLLOWING LANGUAGE INSTEAD FOR GLOBAL NOTES: [the principal sum as set forth in the Schedule of Increases or Decreases In Note attached hereto]

  
 A-2

 IN WITNESS WHEREOF, the Company has caused this instrument to be duly executed. 

Dated:                      

 

			
	GENWORTH HOLDINGS, INC.
		
	By:	 	  

		 	Name:
		 	Title:

  

			
	GENWORTH HOLDINGS, INC.
		
	By:	 	  

		 	Name:
		 	Title:

  
 A-3

 TRUSTEE’S CERTIFICATE OF AUTHENTICATION 

This is one of the Securities of the series designated therein described in the within-mentioned Indenture. 

Dated:                      

 

			
	 THE BANK OF NEW YORK MELLON
 TRUST COMPANY, N.A.,
 as Trustee

		
	By:	 	  

		 	Authorized Signatory

  
 A-4

 REVERSE OF NOTE 
 This Note is one of a duly authorized issue of securities of the Company (herein called the “Notes”), issued and to be issued in one or more series under an Indenture (the
“Base Indenture”), dated as of June 15, 2004, between the Company and The Bank of New York Mellon Trust Company, N.A. (as successor to JPMorgan Bank, N.A.), as Trustee (herein called the “Trustee”, which term
includes any successor trustee), as amended and supplemented by Supplemental Indenture No. 1, dated as of June 15, 2004, between the Company and the Trustee (“Supplemental Indenture No. 1”), Supplemental Indenture
No. 2, dated as of September 19, 2005, between the Company and the Trustee (the “Supplemental Indenture No. 2”), Supplemental Indenture No. 3, dated as of June 12, 2007, between the Company and the Trustee
(“Supplemental Indenture No. 3”), Supplemental Indenture No. 4, dated as of May 22, 2008, between the Company and the Trustee (“Supplemental Indenture No. 4”), Supplemental Indenture No. 5,
dated as of December 8, 2009, between the Company and the Trustee (“Supplemental Indenture No. 5”), Supplemental Indenture No. 6, dated as of June 24, 2010, between the Company and the Trustee
(“Supplemental Indenture No. 6”), Supplemental Indenture No. 7, dated as of November 22, 2010, between the Company and the Trustee (“Supplemental Indenture No. 7”), Supplemental Indenture
No. 8, dated as of March 25, 2011, between the Company and the Trustee (“Supplemental Indenture No. 8”), Supplemental Indenture No. 9, dated as of April 1, 2013, between the Company, Genworth Financial,
Inc., as Guarantor (the “Guarantor”) and the Trustee (“Supplemental Indenture No. 9”) and Supplemental Indenture No. 10, dated as of August 8, 2013, between the Company, the Guarantor and the Trustee
(“Supplemental Indenture No. 10 and together with the Supplemental Indenture No. 1, Supplemental Indenture No. 2, Supplemental Indenture No. 3, Supplemental Indenture No. 4, Supplemental Indenture No. 5,
Supplemental Indenture No. 6, Supplemental Indenture No. 7, Supplemental Indenture No. 8, Supplemental Indenture No. 9 and the Base Indenture, the “Indenture”), to which Indenture reference is hereby made for a
statement of the respective rights, limitations of rights, duties and immunities thereunder of the Company, the Guarantor, the Trustee and the holders of the Notes and of the terms upon which the Notes are, and are to be, authenticated and
delivered. This Note is one of the series designated on the face hereof, initially limited in aggregate principal amount to $400,000,000. 
 All terms used in this Note that are defined in the Indenture shall have the meaning assigned to them in the Indenture. 
 The Guarantor irrevocably and unconditionally guarantees to the Trustee and the holders of the Notes, on an unsecured and unsubordinated basis, the full and punctual payment of the principal of, premium,
if any, and interest on the Notes, and the full and punctual payment of all other amounts payable by the Company under the Indenture in respect of the Notes. 

  
 A-R-1

 The Company shall have the right to redeem this Note at the option of the Company, without
premium or penalty, in whole or in part (an “Optional Redemption”), at a redemption price (the “Optional Redemption Price”) equal to the greater of: 

(i) 100% of the principal amount plus accrued and unpaid interest to the Redemption Date; and 

(ii) the sum of the present values of the remaining scheduled payments of principal and interest (exclusive of interest accrued to the
Redemption Date) discounted to the Redemption Date on a semi-annual basis (assuming a 360-day year consisting of twelve 30-day months) at the Treasury Rate plus 35 basis points plus accrued interest on the principal amount being redeemed to the
Redemption Date. 
 The Company will mail notice of such redemption to the registered holders of the Notes of this series to be
redeemed not less than 30 nor more than 60 days prior to the Redemption Date. If Notes of this series are only partially redeemed pursuant to the preceding paragraph, the Notes of this series to be redeemed will be selected by the Trustee in such
manner as in its sole discretion it shall deem appropriate and fair; provided, that if at the time of redemption the Notes of this series to be redeemed are registered as a Global Note, the Depositary shall determine, in accordance with its
procedures, the principal amount of the Notes of this series to be redeemed held by each of its participants that holds a position in such Notes. The Optional Redemption Price shall be paid prior to 12:00 noon, New York time, on the Redemption Date
or at such later time as is then permitted by the rules of the Depositary for the related Notes (if then registered as a Global Note) provided that the Company shall deposit with the Trustee an amount sufficient to pay the Optional Redemption Price
by 10:00 a.m., New York time, on the date such Optional Redemption Price is to be paid. 
 In the event of redemption of this
Note in part only, a new Note or Notes of this series for the unredeemed portion hereof shall be issued in the name of the Holder hereof upon the cancellation hereof. Except as set forth in the preceding paragraphs and in Article 3 of the
Supplemental Indenture No. 10, the Company may not redeem the Notes of this series at its option prior to the Maturity Date. 
 The Notes of this series are not entitled to the benefit of any sinking fund. 

  
 A-R-2

 The Indenture contains provisions for defeasance of the obligations of the Company at any
time upon compliance by the Company with certain conditions set forth therein, which provisions apply to the Notes of this series. 
 If an Event of Default with respect to Notes of this series shall occur and be continuing, the principal of the Notes of this series may be declared due and payable in the manner and with the effect
provided in the Indenture. 
 The Indenture permits, with certain exceptions as therein provided, the amendment thereof and the
modification of the rights and obligations of the Company and the rights of the holders of the Notes at any time by the Company and the Trustee with the consent of the holders of a majority in principal amount of the Notes of each series (each
series voting as a class) affected thereby and at the time Outstanding. The Indenture also contains provisions permitting the holders of specified percentages in principal amount of the Notes of a series at the time Outstanding, on behalf of the
holders of all Notes of such series, to waive certain past defaults under the Indenture and their consequences. Any such consent or waiver by the holder of this Note shall be conclusive and binding upon such holder and upon all future holders of
this Note and of any Note issued upon the registration of transfer hereof or in exchange herefor or in lieu hereof, whether or not notation of such consent or waiver is made upon this Note. 

As provided in the Indenture and subject to certain limitations therein set forth, the transfer of this Note is registrable in the
Security register, upon surrender of this Note for registration of transfer at the office or agency of the Company in any place where the principal of and interest on this Note are payable, duly endorsed by, or accompanied by a written instrument of
transfer in form satisfactory to the Company and the Security registrar duly executed by the holder hereof or his attorney duly authorized in writing, and thereupon one or more new Notes of this series, of authorized denominations and for the same
aggregate principal amount, will be issued to the designated transferee or transferees. 
 The Notes of this series are issuable
only in registered form without coupons in denominations of $2,000 and any integral multiple of $1,000 in excess of $2,000, except as provided for in Section 2.04 of Supplemental Indenture No. 10. As provided in the Indenture and subject
to certain limitations therein set forth, Notes of this series are exchangeable for a like aggregate principal amount of Notes of this series of a different authorized denomination, as requested by the holder surrendering the same. 

No service charge shall be made for any such registration of transfer or exchange, but the Company may require payment of a sum
sufficient to cover any tax or other governmental charge payable in connection therewith. 

  
 A-R-3

 The Trustee and any agent of the Company or the Trustee may treat the Person in whose name
this Note is registered as the owner hereof for all purposes, whether or not this Note is overdue, and neither the Company, the Trustee nor any such agent shall be affected by notice to the contrary. 

THIS NOTE SHALL BE DEEMED TO BE A CONTRACT MADE UNDER THE LAWS OF THE STATE OF NEW YORK, AND FOR ALL PURPOSES SHALL BE CONSTRUED IN
ACCORDANCE WITH THE LAWS OF SAID STATE. 

  
 A-R-4

 ASSIGNMENT 
 FOR VALUE RECEIVED, the undersigned assigns and transfers this Note to: 
  

 
  

 
 (Insert assignee’s social security or tax
identification number) 
  
  

 
  
  

 
 (Insert address and zip code of assignee)

 and irrevocably appoints 
  

 
  

 
  

 
 agent to transfer this Note on the books of the
Company. The agent may substitute another to act for him or her. 
 Date:
                     
  

			
	Signature:	 	
	
	  

 

			
	Signature Guarantee:	 	  

 (Sign exactly as your name appears on the other side of this Note) 

 SIGNATURE GUARANTEE 
 Signatures must be guaranteed by an “eligible guarantor institution” meeting the requirements of the Security registrar, which requirements include membership or participation in the Security
Transfer Agent Medallion Program (“STAMP”) or such other “signature guarantee program” as may be determined by the Security registrar in addition to, or in substitution for, STAMP, all in accordance with the Securities
Exchange Act of 1934, as amended. 

 SCHEDULE OF INCREASES OR DECREASES IN NOTE 

The initial principal amount of this Note is $        . The following increases or decreases in the principal
amount of this Note have been made: 
  

									
	 Date
	  	Amount of
decrease in
principal
amount of this
Note	  	Amount of
increase in
principal
amount of this
Note	  	Principal
amount of this
Note following
such decrease or
increase	  	Signature of
authorized
signatory of
TrusteeEX-10.3

 Exhibit 10.3 

 
  
 THE PRUDENTIAL INSURANCE COMPANY OF AMERICA 
  
 DEFERRED COMPENSATION PLAN 
  
 (UNLESS OTHERWISE NOTED, 
 AS AMENDED AND RESTATED EFFECTIVE AS OF JUNE 20, 2013)

  
 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 June 20, 2013, 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 Agents referenced at Section 3.2(a)(iv), (a) for such Insurance Sales Agents, 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. 
  
 “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 Agents 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. 

 
 “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. 
  
 “Insurance Sales
Agents,” “Insurance Sales Agents,” ,” and “Home Office 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. 

  

“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 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. 

 
 “Restricted Investment Option” means any investment
option (e.g., the Prudential Financial, Inc. Common Stock Fund or the Prudential Retirement Real Estate Fund) designated as available for the notional investment of Participants’ Accounts that the Plan Administrator shall from time to
time have designated as subject to such restrictions or conditions on notional investment transfers (whether into or out of such investment option), withdrawals or distributions as the Plan Administrator shall establish from time to time.

  
 “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. 
  
 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: 

  

A Home Office Sales Professional at grade LMS and above or at grade 540 and above whose Annual Compensation exceeds (or is anticipated to
exceed) $250,000 (or such greater or less amount as the Committee shall specify from time to time, to be effective as of any future Plan Year) in any Plan Year; and/or 

 

	 	(C)	An Insurance Sales Agent whose Annual Compensation exceeds (or is anticipated to exceed) $150,000 (or such greater or less amount as the Committee shall specify from
time to time, to be effective as of any future Plan Year) 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. 

 
 3.2   Deferral Commitments and Insurance Sales Agents 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”), on such terms and subject to such conditions and limitations (including, but not limited to, the manner in which a Participation Agreement shall apply to compensation payable in installments over a period of years) as may be
specified in the applicable Participation Agreement: 

  

	 	(i)	Grants under the Employer’s or any Participating Subsidiary’s long-term incentive award plans (including, but not limited to, performance share unit awards
payable in cash), 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; 

  

	 	(iv)	For Insurance Sales Agents described in Section 3.1(a)(iii)(c) above, all amounts in excess of $150,000 (or such greater or less amount as the Committee shall
specify from time to time, to be effective as of any future Plan Year) 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; and 

  

	 	(v)	Grants made after 2010 under the Employer’s or any Participating Subsidiary’s mid-term incentive program, the precise
amounts of which, as of the time such Employee may complete a Participation Agreement, are unknown to such Employee. 

 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%) or such other increments as the Committee shall specify
from time to time) for Participants that are Insurance Sales Agents; and for all other Participants, a percentage (in five percent (5%) increments up to eighty-five percent (85%) or such other increments as the Committee shall specify from
time to time), of such participant’s annual incentive award or long-term incentive award. 

  

	 	(c)	Insurance Sales Agent Matching Contribution. For any Eligible Employee who is an Insurance Sales Agent and who makes a Deferral Commitment under the Plan in
respect of any Plan Year, an Insurance Sales Agent 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, payment shall commence under the Plan on the payment date specified in subclause (x) or subclause (y) of Section 4.1(a), as applicable.

  

	 	(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. 

  

	 	(c)	Re-deferral Elections. Notwithstanding the provisions of Section 3.3(a) or any election made pursuant to
Section 3.3(b) or Section 4.1(f), the Committee may permit any or all Participants, or any class of Participants, to change the Deferral Period and/or the distribution elections applicable to all or any specified portion of the
Participant’s Post-2004 Account in accordance with the re-deferral election provisions under Section 409A of the Code, as more fully described in Section 4.1(f). 

 
 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 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 (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, 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. Notwithstanding the foregoing
provisions of this Section 4.1(a), 
  

	 	(x)	in no event shall payments under the Plan commence earlier than 

  

	 	(A)	the date on which the minimum additional five year deferral required in respect of any re-deferral election made by the
Participant in accordance with Section 4.1(f) is satisfied, and 

  

	 	(B)	the date specified in Section 4.1(d), if such Section is applicable to the Participant or 

  

	 	(y)	in the case of any amount deferred hereunder in respect of services performed prior to 2014, if the Participant has not yet incurred a separation from service, payments
shall commence 

  

	 	(A)	 in the Plan Year in which the Participant has attained age 701/2, if the Participant attained age 69 prior to January 1, 2013, or 

 

	 	(B)	in the Plan Year in which the Participant has attained age 100, in all other cases. 

 
 For purposes of the immediately preceding
sentence, (i) the Participant’s age shall be determined under the books and records of the Company, (ii) if both subclause (A) and (B) of subclause (x) of the immediately preceding sentence are applicable to a
Participant, payment to the Participant under the Plan shall commence on the later to occur of the two dates specified in such subclause (x), and (iii) if both subclause (y) and subclause (A) of subclause (x) are applicable to a
Participant, payment to the Participant under the Plan shall commence on the later date to occur of the two dates specified in such subclause (y) or subclause (A) of subclause (x). 
  

	 	(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 

 

	 	(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 Agents. Notwithstanding anything else contained herein (other than Section 4.5) to the contrary, with
respect to any Participant who is an Insurance Sales Agent 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 Agents 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, (ii) the calendar year in which the Insurance Sales Agent would attain age 70  1/2 and (iii) the date on which the minimum additional five year deferral required in respect of a re-deferral election made in accordance with
Section 4.1(f) is satisfied. 

  

	 	(f)	Opportunity to Further Defer Commencement of Distributions and Change Form of Distribution. Notwithstanding the generally applicable provisions of this
Section 4.1, a Participant may elect to defer the time at which distribution from the Participant’s Post-2004 Account commences and/or may also change the form in which such amounts are distributed in accordance with this
Section 4.1(f). Any such re-deferral election shall be made on a form designated for such purpose by Corporate Compensation, which election shall be delivered to Corporate Compensation not later than 12
months prior to the date upon which distribution of the amount of deferred compensation subject to such re-deferral election (the “Delayed Distribution”) is otherwise scheduled to commence. Any re-deferral election made under this Section 4.1(f) may be changed at any time before the last permissible date for making such an election. Any such re-deferral election
in effect on such last permissible date shall become irrevocable, and any purported re-deferral election made after such last permissible date shall be void. For this purpose, any payment to be made in
installments shall be treated as a single distribution, so that any such re-deferral election must be made at least 12 months prior to the date the first installment is scheduled to commence. In addition, any
such re-deferral election must postpone payment of the Delayed Distribution for a minimum of five years from the date such Delayed Distribution would otherwise have commenced to be paid (e.g., a
distribution scheduled to be paid on the fixed date of January 15, 2015 would have to be deferred at least until January 15, 2020, and a distribution scheduled to commence on the January 1 following a Participant’s Retirement
would have to be postponed until at least the January 1 following the fifth anniversary of the Participant Retirement). Subject to the immediately preceding sentence, the form of distribution with respect to any Delayed Distribution may be
modified to be payable in any form that could be elected by the Participant pursuant to Section 4.1(a), (b) or (c), or, in the case of any Insurance Sales Agent, pursuant to Section 4.1(b), (c) or (e). For the avoidance of doubt,
a Participant (i) may change the time at which a distribution occurs in accordance with this Section 4.1(f) without changing the form of payment, but no election may be made to change the form of distribution as to any amounts credited to
the Participant’s Post-2004 Account without also changing the time of distribution with regard to such amounts in accordance with this Section 4.1(f) and (ii) may not change the time at which or form in which a distribution is to be
made with respect to the Participant’s Pre-2005 Account. 

  
 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. 

  

	 	(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 lesser of (i) the funds required to satisfy the Financial Hardship or
(ii) the excess of the balance in the Participant’s Pre-2005 Account minus the amount, if any, of such balance deemed invested in a Restricted Investment Option which is not then available for
withdrawal due to the applicable restrictions or conditions on such Restricted Investment Option. A Participant may request to receive a distribution of all or a portion of 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 lesser of (i) the amount necessary to resolve the financial need arising due to an Unforseeable Emergency and the taxes that would due upon such
distribution or (ii) the excess of the Participant’s balance in his or her Pre-2005 Account as of the date of such withdrawal minus the amount, if any, of such balance deemed invested in a Restricted
Investment Option which is not then available for withdrawal due to the applicable restrictions or conditions on such Restricted Investment Option. 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 amount 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 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.
Notwithstanding the foregoing to the contrary, in no event shall the distribution from the Pre-2005 Account for purposes of Early Distribution With Penalty include any amount that is deemed invested in a
Restricted Investment Option which is not then available for distribution due to applicable restrictions or conditions on such Restricted Investment Option. 
  

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 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 Agent, 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 Agent,
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. 

 
 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 Agent 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 Agent 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
Agent Matching Contributions, the date such amounts are credited to the Account) until such time as payment of the entire account balance is made. The Plan Administrator may from time to time designate one or more such indices/notional investment
options as a Restricted Investment Option, by specifying the restrictions or conditions that would be applicable with respect to notional investments thereunder. 

 
 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 shall, at a minimum, be designed with the
intent of mirroring 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.

  
 Without limiting the generality of the foregoing,
with respect to the notional investment of any Accounts after October 13, 2010, the Committee (or, if such authority is delegated to it by the Committee, Corporate Compensation) may, in its discretion, from time to time and at any time add such
additional notional investment options having such terms and conditions as the Committee (or, if applicable, Corporate Compensation) shall determine. The Committee (or, if such authority is delegated to it by the Committee, Corporate Compensation)
may at any time eliminate, alter the investment parameters, or otherwise modify the terms and conditions applicable to any such notional investment option made available pursuant to the immediately preceding sentence (including, but not limited to,
limiting access to such notional investment option to a specified groups of Participants or imposing minimum and maximum amounts that may be deemed invested therein). 

 
 Except as otherwise provided in accordance with this
Section 6.2, 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 one percent (1%) increments or such other
increments as the Committee shall specify from time to time. 

 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. Effective from and after October 13, 2010, unless Corporate Compensation shall determine that, to the extent reasonably advisable to facilitate the administration of the Plan, changes in such
allocations shall be made less frequently (but in no event less frequently than monthly), a Participant may change the manner in which the Participant’s Account is allocated among the notional investment options as of the close of business on
any business day by notice delivered in such form and by such time as Corporate Compensation shall specify from time to time. 
  

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; provided that, unless the Committee shall otherwise determine, as to any, some or all Accounts (including, but not limited to Accounts invested
in particular notional investment options), the value of each such Account shall be determined as of the close of business on each business day. 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 business day immediately prior to the date of distribution (or, if and to the extent reasonably advisable to
facilitate such distribution, such earlier business day in reasonable proximity thereto as Corporate Compensation shall determine). 

  

	 	(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. 

 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. In addition, to the extent that the Plan establishes (i) any limitation or condition on the ability of a Participant to make elections as to the time at which, or the manner or increments in which the
Participant’s Accounts may be deemed invested, or (ii) any other rule or requirement primarily for purposes of facilitating the administration of the Plan (and not to comply with Section 409A of the Code or any other applicable
provision of the Code or other applicable law), the Committee may in its sole discretion, modify or adjust such limitation, condition or rule, on a prospective basis, if the Committee deems such action to be necessary or appropriate for the
administration of the Plan and such action will not result in a violation of Section 409A and is not otherwise in contravention of applicable law. 
  

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 

  

	 	(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. 
  
 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. 
  
 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. 

 
 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. 

 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.

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