Prudential Retirement Launches 'Signature Online'; Powerful Combination of Capabilities Produces New Web-Based Educational Resource for Plan Participants

Business Wire, June 2, 2005

NEWARK, N.J. -- Prudential Retirement today announced it has launched Signature Online(SM), a web-based education center that brings together the resources of Prudential and the CIGNA retirement business acquired in 2004 to offer retirement-plan participants a "best-of-both-worlds" online experience designed to help them achieve retirement security.

The online center is available immediately to all Prudential Retirement clients and their participants and is structured to help participants effectively grow and manage their retirement accounts. Prudential Retirement is a business of Prudential Financial, Inc. (NYSE: PRU).

"With Signature Online(SM), plan participants receive valuable, practical information on a wide range of important topics, including retirement planning, investment management, tax- and estate-planning, and college savings. Even more important - and consistent with our overall approach to education and communication -- all the information can be tailored to each participant's distinct set of financial circumstances and needs," said Phil Waldeck, senior vice president of Products & Advisory Services, Prudential Retirement.

"The new center has been designed specifically to allow participants to customize and personalize Signature Online's(SM) resources and content. For example, a newly enrolled participant can access articles on the primary concept of asset allocation, while a near-retiree can find information about risk-management, asset distribution, and creating income during retirement," he added.

Specifically, Signature Online(SM) delivers:

--Educational Articles -- on current financial trends and strategies, focusing on topics of particular importance to effective retirement planning.

--Interactive Online Courses -- covering asset allocation techniques, estate planning, college funding, and much more.

--Financial Calculators -- to help estimate the retirement income participants will need.

--Frequently Asked Questions -- to help participants understand the fundamentals of and issues related to effective retirement planning.

--A Glossary of Terms -- for quick, easy-to-understand definitions of important retirement-planning terminology.

In addition, the Signature Online(SM) center provides essential information on such retirement-related topics as improving credit, minimizing taxes, and choosing retirement vehicles outside the workplace, including Individual Retirement Accounts (IRAs).

"Signature Online(SM) is the latest addition to our award-winning Signature approach to participant education and communication, which has garnered more than 40 industry awards for communications excellence. The personalization at the core of the Signature program is applied to everything from enrollment programs to statement design to specific campaigns targeted at deferral increases or allocation strategies. And now, with Signature Online(SM), we've added another critical tool to help participants grow and protect their retirement assets," said Waldeck.

Prudential Retirement delivers retirement plan solutions for public, private, and non-profit organizations. Services include state-of-the-art recordkeeping, administration, investment management, comprehensive employee investment education and communications, and trustee services. With over 80 years of retirement experience, Prudential Retirement meets the needs of two million defined contribution participants and more than one million defined benefit participants and annuitants. Prudential Retirement has $130 billion in retirement account values as of March 31, 2005.

Prudential Financial companies, with approximately $496 billion in total assets under management as of March 31, 2005, serve individual and institutional customers worldwide and include The Prudential Insurance Company of America, one of the largest life insurance companies in the United States. These companies offer a variety of products and services, including life insurance, mutual funds, annuities, pension and retirement related services and administration, asset management, securities brokerage, banking and trust services, real estate brokerage franchises and relocation services. For more information, visit www.prudential.com.