Transition

Strength and Stability of The Rock
Retirement Wellness – Redefining Retirement
• Retirement is a core business of Prudential Financial
– 43% of domestic revenue
• 88 years of retirement plan experience
• DB since 1924; DC since 1963; 401(k) since 1981
• Total Retirement Services since 1995
• 6,235 clients; 8,151 plans 1 ; 3,593,203 plan participants 2
• 58% of our clients have been with us for 10+ years
• $244.8 3 billion in retirement assets as of June 30, 2012
• $99 million devoted annually to technology enhancements
• High-touch service model
As of 3/31/2012
1
Defined Contribution (DC) total 4,974 plans and Defined Benefit (DB) total 1,130 plans. Institutional Investment Products (IIP) total 2,443 plans.
2
DC total 2,348,936 and DB total 1,244,866. DB includes Full Service (549,811) and Institutional Investment Products (695,055).
3
DC assets total $173.7 billion and DB total $55.8 billion. DC includes Full Service, Investment Only, and Institutional Investment Products. Investment Only and Institutional
Investment Products account for $90.1 billion ($50.7 billion DC and $39.4 billion DB) of total AUM.00

Transition
Effective October 1, 2012:
• The Salvation Army Employee Pension Plan Agreement & Trust
401(a) Plan will move from ING to Prudential Retirement
• Participant accounts will automatically be moved to Prudential
(no action is required on the part of participants)

Transition
• Participants will receive notification of the transition
• The transition notice will provide an important deadline for account
activity with ING:
- Completed distribution
- Transfers between funds
- Balance inquiries
• The “blackout period” is expected to begin at 4pm EST on September
25, 2012 and end during the week of October 4, 2012.
• In addition, a “Frequently Asked Questions” document will be
available.

Transition
• ING will send account records and assets to Prudential Retirement
• Once Prudential reconciles account records and assets, the
“blackout period” is lifted and participants will have full access to
their account at Prudential Retirement
• Third quarter employer contributions will begin with Prudential as
normally scheduled
The anticipated “live” date is the week of October 4, 2012

Transition
What will happen to the current investments that a
participant had selected
• Both existing balances and investment elections for future
contributions will be automatically invested in an age-appropriate
conservative risk GoalMaker portfolio.
• If participants desire to make their own investment selection, they will
be able to contact Prudential.

What is GoalMaker ®
• An asset allocation program developed in conjunction with
Morningstar, LLC
• Uses investment options offered by your retirement program
• Diversified portfolios, based on various risk tolerances and time
horizons
• Automatically rebalances a participant’s account balance quarterly
Guarantees are based on the claims paying ability of the insurance company and are subject to certain limitations, terms, and conditions.
It is possible to lose money by investing in securities.

GoalMaker ®
• An asset allocation tool that matches up a participant’s risk tolerance
(conservative = C, moderate = M, aggressive = R) with their years
until retirement (0 - 5 = 01, 6 - 10 = 02, 11 - 15 = 03, 16+ = 04)
• For example, a conservative investor with 20 years to retirement = C04
• The participant’s balance & ongoing contributions are then invested in
one of twelve portfolios made up of funds in the 401(a) plan
Guarantees are based on the claims paying ability of the insurance company and are subject to certain limitations, terms, and conditions.
It is possible to lose money by investing in securities.

GoalMaker ® Portfolios

Your Investment Options
(Investment Lineup Pending Approval)
Stable Value
Fixed Income
Large Cap Stock – Growth
Large Cap Stock – Blend
Large Cap Stock – Value
Mid Cap Stock – Growth
Mid Cap Stock – Blend
Mid Cap Stock – Value
Small Stock – Growth
Small Stock – Blend
Small Stock – Value
International Stock
Guaranteed Income Fund
Core Bond Enhanced Index/PIM
Prudential TIPS Enhanced Index
T.Rowe Price Growth Stock
Dryden S&P 500 Index
Columbia Dividend Value (IS)
Jennison Mid Cap Growth (IS)
Dreyfus Mid Cap Index
Lee Munder Mid Cap Value (IS)
Eagle Small Cap Growth (IS)
Dreyfus Small Cap Stock Index
Invesco Small Cap Value (IS)
NFJ International Value (IS)
Dreyfus International Stock Index

GoalMaker ® Portfolios

Communication and Education
Retirement
Statements
Participant Service
Representatives
877-PRU-2100
www.preparewithpru.com
www.prudential.com/online/retirement

Disclosures
Securities products, such as Retail Mutual Funds, and services are offered through Prudential Investment Management Services LLC (PIMS), Three Gateway
Center, 14th Floor, Newark, NJ 07102-4077. Tel 973-802-8624. Retirement Security Education Counselors are registered representatives of PIMS. PIMS is a
Prudential Financial company. Securities products and services are offered by PIMS.
Retirement products and services are provided by Prudential Retirement Insurance and Annuity Company (PRIAC), Hartford, CT, a Prudential
Financial company. Prudential Retirement's group variable annuity contracts are issued by PRIAC, Hartford, CT, a Prudential Financial company.
This presentation is intended to provide information about the products and the related services that may be offered by Prudential Retirement.
Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions
worldwide.
© 2012 Prudential Financial, Inc. and its related entities.
XXX-XXXXXXX

Disclosures
Morningstar
Copyright© 407 Morningstar Associates, LLC. All Rights Reserved. The information, data, analyses and opinions contained herein (a) include
confidential and proprietary information of Morningstar Associates, LLC, (b) may not be copied or redistributed for any purpose, (c) are provided
to Prudential Retirement solely for Prudential Retirement’s use or the use of Prudential Retirement’s authorized agents and contractors, and (d)
are not warranted or represented to be correct, complete, accurate or timely. The GoalMaker model portfolio allocations were developed by
Morningstar Associates, LLC within a set of guidelines determined by Prudential Retirement. The extent to which Morningstar Associates’
recommendations are implemented within the models is at the sole discretion of Prudential Retirement. Past performance is no guarantee of
future results. Information contained herein that has been provided by Morningstar Associates, LLC reflects data proprietary to Morningstar
Associates, LLC, or its affiliate, Morningstar, Inc. Morningstar Associates, LLC provides this data to Prudential Retirement in connection with
providing consulting services to the Customer and in no way acts as an investment advisor to investors of Prudential Retirement’s products or
services. Morningstar Associates is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc.
Model portfolios are provided as samples and not as investment recommendations. The model portfolios are based on generally accepted
investment practices and take into account the principles of modern portfolio theory, in which allocations are adjusted in an effort to achieve
maximum returns for a given level of risk. You may want to consider other assets, income, and investments you may have before applying
these models to your individual situation. Please note that in addition to the specific funds used in the GoalMaker model portfolios, other funds
may be available under your retirement program. The GoalMaker portfolios are subject to change including, for example, the replacement of
investment options and adjustments in the allocations within the portfolios. You will be notified in writing in advance of any such change.
Keep in mind that application of asset allocation and diversification concepts does not ensure a profit or protect against loss in a declining
market. It is possible to lose money by investing in securities.