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PRUDENTIAL FINANCIAL BANK REFERRAL KIT TRI-FOLD BROCHURE
MAKINGTHECONNECTIONS:
Look, listen and learn in your day-to-day customer interactions
OVERCOMINGOBJECTIONS:
Acknowledge and address your customers’ objections in a non-threatening manner
CONNECTINGTOAFINANCIALPROFESSIONAL:
Helpfulphrasestousewhenreferring customers to afinancialprofessional
LEARN WITH CONVERSATION STARTING QUESTIONS:
• “What’s new with you?”
• “Do the beneficiaries on your accounts need updating?”
• “How are things with your family?”
• “How’s your job going?”
• “Have you thought about doing something else with this money for your family?”
• “Do you have any questions about the CD rates you’re currently getting?”
• “Do you have a relationship with a business banker?”
• “Do you need any help organizing or consolidating your accounts?”
• “Does your employer provide you with any retirement planning assistance?”
• “Do you have a plan in place for replacing Social Security if and when one of you passes away?”
WHAT TO LOOK FOR:
• Large cash balance
• Changes in direct deposit or employment checks
• Receiving Social Security
• Deposited lump sum
• Changes in marital status
• Multiple savings accounts
• Paying off business loan
• Required Minimum Distributions (RMDs)
• Multiple IRA’s and/or CDs
WHAT TO LISTEN FOR:
• Behind in retirement savings
• Inheritance
• Job change
• Divorce
• Widowed
• Sold a business
• Unhappy with CD rates
• 401k questions
• Tax concerns
• Beneficiary planning questions
• Concerned about market volatility
• Close to retirement
“Part of what we do here is
help people with saving for
retirement. I’d love to set up a
time for you to meet with Jane.
When would be a good time?”
“Jane is a trusted resource
and just one way we help
set ourselves apart from
other institutions. There is
no cost for this service.”
“If you are concerned
about estate planning, you
should speak with Tom.
He’s been able to address
that concern with many of
our other customers.”
“If you aren’t sure what your
whole financial picture looks
like, you might benefit from
speaking with my colleague,
Tom. He can help educate you
on where you stand and any
important steps you should be
taking.”
“Have you reviewed your
beneficiaries with someone
recently? Jane is a branch
employee who helps people
with that all the time. May
I introduce you to her?”
“Financial professionals are carefully selected and trained to
address our customers’ specific needs.”
“I understand you’re concerned about risk. I’ll make sure I
share that with the financial professional when I introduce you.
He/She can help you determine your level of risk tolerance and
suggest a specific investment that could be of interest.”
“Manyofourclientshavebrokers,butbenefitfromacomplementary
secondopinionfromafinancialprofessional.”
“Findingtimecanbetough.Iwouldbeabletoschedulean
appointmentforyouanyeveningorweekend.”
“Iunderstandyou’reworriedabouthighfees,butweoffermany
differentinvestmentproducts.Afinancialprofessionalcanwork
withyoutodetermineaproductthatwillsuityourspecificneeds.”
“Since access to your money is important to you, you should
know that we offer many different investment products to suit
specific investor requirements. Our financial professional can
recommend a product that may be right for you.”
“I understand your frustration, but it may be that it was the
wrong investment for you. That’s why we advise meeting with a
financial professional.”
“OK. I would recommend that you meet with a financial
professional first so that when you do meet with your
accountant/lawyer/relative you’ll have the information
you need.”
“I understand you would rather not make an appointment.
However, the financial professional will want to make sure he/she
has the time to fully evaluate your needs and concerns.”
“Great. Once you talk it over, we can arrange for an
appointment for both of you.”
“OK. Take some time to think about it. You can call your local
branch any time to schedule an appointment with a financial
professional.”
“You may think that you are too old, but our financial
professional can recommend appropriate investments for
people of all ages.”
“Tom specializes in helping
people with concerns like yours.
May I introduce you to him?”
“Thosepeoplearen’t
interestedinme.Theyonly
wantthecommission.”
“Those investments
are too risky.”
“Ialreadyhaveabroker.”
“I’m too busy.”
“The fees are too high.”
“I need liquidity.”
“I already tried it
and lost money.”
“I need to talk to my
accountant/lawyer/
relative.”
“I don’t want to make an
appointment. I’ll talk to
him/her next time I’m in
the branch.”
“I’ll have to ask my
spouse first.”
“If I’m interested,
I’ll call you.”
“I’m too old.”
“Manyofourpreferred
clientsworkwithJane.
MayIintroduceyou
toher?”
“I really think you would
benefit from meeting with
Tom. Do mornings work for you
or are afternoons better?”
“I’ll make sure Jane is
aware of your concerns.
Let me introduce you
to her so that you
can talk about some
potential ways you can
address them.”
The more your customers know about the strategies
your branch can provide them, the greater their
loyalty will be to your branch. Help your customers
to better their financial situations.
Give your
customers
a way to
discuss
their needs.
Use this helpful GIFT
acronym as a framework
for explaining what a
financial professional
can assist with:
Goals
is knowledgeable on ways
to help grow your assets
Income
can help address your
concerns about outliving
your income
Family
can help you with
beneficiary planning
Taxes
can discuss your concerns
and appropriate strategies
“The financial professional can help you think it through.
And remember, there is no obligation and the conversation
is complementary.”
“I’ll think about it.”
“Investment requirements may be less than you think.
Speak with a representative.”
“I don’t have any
money to invest.”
MAKINGTHECONNECTIONS:Look,listenandlearninyourday-to-daycustomerinteractions OVERCOMINGOBJECTIONS:Acknowledgeandaddressyourcustomers’objectionsinanon-threateningmanner
CONNECTINGTOAFINANCIALPROFESSIONAL:Helpfulphrasestousewhenreferringcustomerstoafinancialprofessional
LEARNWITHCONVERSATIONSTARTINGQUESTIONS:
• “What’snewwithyou?”
• “Dothebeneficiariesonyouraccountsneedupdating?”
• “Howarethingswithyourfamily?”
• “How’syourjobgoing?”
• “Haveyouthoughtaboutdoingsomethingelsewiththismoneyforyourfamily?”
• “DoyouhaveanyquestionsabouttheCDratesyou’recurrentlygetting?”
• “Doyouhavearelationshipwithabusinessbanker?”
• “Doyouneedanyhelporganizingorconsolidatingyouraccounts?”
• “Doesyouremployerprovideyouwithanyretirementplanningassistance?”
• “DoyouhaveaplaninplaceforreplacingSocialSecurityifandwhenoneofyoupassesaway?”
WHATTOLOOKFOR:
• Largecashbalance
• Changesindirectdepositoremploymentchecks
• ReceivingSocialSecurity
• Depositedlumpsum
• Changesinmaritalstatus
• Multiplesavingsaccounts
• Payingoffbusinessloan
• RequiredMinimumDistributions(RMDs)
• MultipleIRA’sand/orCDs
WHATTOLISTENFOR:
• Behindinretirementsavings
• Inheritance
• Jobchange
• Divorce
• Widowed
• Soldabusiness
• UnhappywithCDrates
• 401kquestions
• Taxconcerns
• Beneficiaryplanningquestions
• Concernedaboutmarketvolatility
• Closetoretirement
“Partofwhatwedohereis
helppeoplewithsavingfor
retirement.I’dlovetosetupa
timeforyoutomeetwithJane.
Whenwouldbeagoodtime?”
“Janeisatrustedresource
andjustonewaywehelp
setourselvesapartfrom
otherinstitutions.Thereis
nocostforthisservice.”
“Ifyouareconcerned
aboutestateplanning,you
shouldspeakwithTom.
He’sbeenabletoaddress
thatconcernwithmanyof
ourothercustomers.”
“Ifyouaren’tsurewhatyour
wholefinancialpicturelooks
like,youmightbenefitfrom
speakingwithmycolleague,
Tom.Hecanhelpeducateyou
onwhereyoustandandany
importantstepsyoushouldbe
taking.”
“Haveyoureviewedyour
beneficiarieswithsomeone
recently?Janeisabranch
employeewhohelpspeople
withthatallthetime.May
Iintroduceyoutoher?”
“Financialprofessionalsarecarefullyselectedandtrainedto
addressourcustomers’specificneeds.”
“Iunderstandyou’reconcernedaboutrisk.I’llmakesureI
sharethatwiththefinancialprofessionalwhenIintroduceyou.
He/Shecanhelpyoudetermineyourlevelofrisktoleranceand
suggestaspecificinvestmentthatcouldbeofinterest.”
“Manyofourclientshavebrokers,butbenefitfromacomplementary
secondopinionfromafinancialprofessional.”
“Findingtimecanbetough.Iwouldbeabletoschedulean
appointmentforyouanyeveningorweekend.”
“Iunderstandyou’reworriedabouthighfees,butweoffermany
differentinvestmentproducts.Afinancialprofessionalcanwork
withyoutodetermineaproductthatwillsuityourspecificneeds.”
“Sinceaccesstoyourmoneyisimportanttoyou,youshould
knowthatweoffermanydifferentinvestmentproductstosuit
specificinvestorrequirements.Ourfinancialprofessionalcan
recommendaproductthatmayberightforyou.”
“Iunderstandyourfrustration,butitmaybethatitwasthe
wronginvestmentforyou.That’swhyweadvisemeetingwitha
financialprofessional.”
“OK.Iwouldrecommendthatyoumeetwithafinancial
professionalfirstsothatwhenyoudomeetwithyour
accountant/lawyer/relativeyou’llhavetheinformation
youneed.”
“Iunderstandyouwouldrathernotmakeanappointment.
However,thefinancialprofessionalwillwanttomakesurehe/she
hasthetimetofullyevaluateyourneedsandconcerns.”
“Great.Onceyoutalkitover,wecanarrangeforan
appointmentforbothofyou.”
“OK.Takesometimetothinkaboutit.Youcancallyourlocal
branchanytimetoscheduleanappointmentwithafinancial
professional.”
“Youmaythinkthatyouaretooold,butourfinancial
professionalcanrecommendappropriateinvestmentsfor
peopleofallages.”
“Tomspecializesinhelping
peoplewithconcernslikeyours.
MayIintroduceyoutohim?”
“Thosepeoplearen’t
interestedinme.Theyonly
wantthecommission.”
“Thoseinvestments
aretoorisky.”
“Ialreadyhaveabroker.”
“I’mtoobusy.”
“Thefeesaretoohigh.”
“Ineedliquidity.”
“Ialreadytriedit
andlostmoney.”
“Ineedtotalktomy
accountant/lawyer/
relative.”
“Idon’twanttomakean
appointment.I’lltalkto
him/hernexttimeI’min
thebranch.”
“I’llhavetoaskmy
spousefirst.”
“IfI’minterested,
I’llcallyou.”
“I’mtooold.”
“Manyofourpreferred
clientsworkwithJane.
MayIintroduceyou
toher?”
“Ireallythinkyouwould
benefitfrommeetingwith
Tom.Domorningsworkforyou
orareafternoonsbetter?”
“I’llmakesureJaneis
awareofyourconcerns.
Letmeintroduceyou
tohersothatyou
cantalkaboutsome
potentialwaysyoucan
addressthem.”
Themore your customers know about the strategies
yourbranch can provide them, the greater their
loyalty will be to your branch.Help your customers
to better their financial situations.
Giveyour
customers
awayto
discuss
theirneeds.
UsethishelpfulGIFT
acronymasaframework
forexplainingwhata
financialprofessional
canassistwith:
Goals
is knowledgeable on ways
to help grow your assets
Income
can help address your
concerns about outliving
your income
Family
can help you with
beneficiary planning
Taxes
can discuss your concerns
and appropriate strategies
“Thefinancialprofessionalcanhelpyouthinkitthrough.
Andremember,thereisnoobligationandtheconversation
iscomplementary.”
“I’llthinkaboutit.”
“Investmentrequirementsmaybelessthanyouthink.
Speakwitharepresentative.”
“Idon’thaveany
moneytoinvest.”
FOR BRANCH EMPLOYEE USE ONLY. NOT FOR USE WITH THE PUBLIC.FOR BRANCH EMPLOYEE USE ONLY. NOT FOR USE WITH THE PUBLIC.
0000000-00000-00 Ed. 08/2015
Investors should consider the features of the contract and the underlying portfolios’ investment objectives, policies, management, risks, charges and
expenses carefully before investing. This and other important information is contained in the prospectus, which can be obtained from your financial
professional. Please read the prospectus carefully before investing.
Variable annuities are issued by Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), Newark, NJ (main office) and
distributed by Prudential Annuities Distributors, Inc., Shelton, CT. All are Prudential Financial companies and each is solely responsible for its own financial
condition and contractual obligations. Prudential Annuities is a business of Prudential Financial, Inc.
Annuity contracts contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your licensed financial professional can provide
you with complete details.
A variable annuity is a long-term investment designed for retirement purposes. Investment returns and the principal value of an investment will fluctuate so that an investor’s units, when redeemed,
may be worth more or less than the original investment. Withdrawals or surrenders may be subject to contingent deferred sales charges.
Prudential Annuities and its distributors and representatives do not provide tax, accounting, or legal advice. Please have your clients consult their own attorney or accountant.
Your clients needs and suitability of annuity products and benefits should be carefully considered before investing.
© 2015 Prudential Financial, Inc. and its related entities. Prudential Annuities, Prudential, the Prudential logo, the Rock symbol, and Bring Your Challenges are service marks of Prudential Financial,
Inc. and its related entities, registered in many jurisdictions worldwide.
0281929-00001-00 ORD209804 Ed. 08/2015
[WO# 794802]
CT:
mers
ace
ncome and savings
e purchasing power
ination of market
on assets
This material was prepared as an informational resource to help branch
employees better serve the financial needs of their customers and is intended
for referral purposes only. It should not be used by branch employees to discuss
any financial product.
CUSTOMER
CONNECTIONSUNCOVER NEW OPPORTUNITIES
IN YOUR BRANCH
FOR BRANCH EMPLOYEE USE ONLY. NOT FOR USE WITH THE PUBLIC.FOR BRANCH EMPLOYEE USE ONLY. NOT FOR USE WITH THE PUBLIC.
0000000-00000-00 Ed. 08/2015
Investors should consider the features of the contract and the underlying portfolios’ investment objectives, policies, management, risks, charges and
expenses carefully before investing. This and other important information is contained in the prospectus, which can be obtained from your financial
professional. Please read the prospectus carefully before investing.
Variable annuities are issued by Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), Newark, NJ (main office) and
distributed by Prudential Annuities Distributors, Inc., Shelton, CT. All are Prudential Financial companies and each is solely responsible for its own financial
condition and contractual obligations. Prudential Annuities is a business of Prudential Financial, Inc.
Annuity contracts contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your licensed financial professional can provide
you with complete details.
A variable annuity is a long-term investment designed for retirement purposes. Investment returns and the principal value of an investment will fluctuate so that an investor’s units, when redeemed,
may be worth more or less than the original investment. Withdrawals or surrenders may be subject to contingent deferred sales charges.
Prudential Annuities and its distributors and representatives do not provide tax, accounting, or legal advice. Please have your clients consult their own attorney or accountant.
Your clients needs and suitability of annuity products and benefits should be carefully considered before investing.
© 2015 Prudential Financial, Inc. and its related entities. Prudential Annuities, Prudential, the Prudential logo, the Rock symbol, and Bring Your Challenges are service marks of Prudential Financial,
Inc. and its related entities, registered in many jurisdictions worldwide.
0281929-00001-00 ORD209804 Ed. 08/2015
[WO# 794802]
Help customers connect
with a financial professional
who can provide guidance
and recommend strategies.
HELPING CUSTOMERS CONNECT:
Why is it important to help introduce your customers
to a financial professional?
Today, your customers have many challenges to face
when it comes to their financial well-being:
• Living Longer — increasing life spans increase the risk of outliving income and savings
• Rising Costs — inflation, taxes and healthcare costs can erode future purchasing power
• Market Uncertainty and Low Interest Rates — the combination of market
volatility and consistent low interest rates can have a devastating impact on assets
This material was prepared as an informational resource to help branch
employees better serve the financial needs of their customers and is intended
for referral purposes only. It should not be used by branch employees to discuss
any financial product.
CUSTOMER
CONNECTIONSUNCOVER NEW OPPORTUNITIES
IN YOUR BRANCH
MAKINGTHE CONNECTIONS:
Look, listen and learn in your day-to-day customer interactions
OVERCOMINGOBJECTIONS:Acknowledge and address your customers’ objections in a non-threatening manner
CONNECTING TO A FINANCIAL PROFESSIONAL:
Helpful phrases to use when referring customers to a financial professional
LEARN WITH CONVERSATION STARTING QUESTIONS:
• “What’s new with you?”
• “Do the beneficiaries on your accounts need updating?”
• “How are things with your family?”
• “How’s your job going?”
• “Have you thought about doing something else with this money for your family?”
• “Do you have any questions about the CD rates you’re currently getting?”
• “Do you have a relationship with a business banker?”
• “Do you need any help organizing or consolidating your accounts?”
• “Does your employer provide you with any retirement planning assistance?”
• “Do you have a plan in place for replacing Social Security if and when one of you passes away?”
WHAT TO LOOK FOR:
• Large cash balance
• Changes in direct deposit or employment checks
• Receiving Social Security
• Deposited lump sum
• Changes in marital status
• Multiple savings accounts
• Paying off business loan
• Required Minimum Distributions (RMDs)
• Multiple IRA’s and/or CDs
WHAT TO LISTEN FOR:
• Behind in retirement savings
• Inheritance
• Job change
• Divorce
• Widowed
• Sold a business
• Unhappy with CD rates
• 401k questions
• Tax concerns
• Beneficiary planning questions
• Concerned about market volatility
• Close to retirement
“Part of what we do here is
help people with saving for
retirement. I’d love to set up a
time for you to meet with Jane.
When would be a good time?”
“Jane is a trusted resource
and just one way we help
set ourselves apart from
other institutions. There is
no cost for this service.”
“If you are concerned
about estate planning, you
should speak with Tom.
He’s been able to address
that concern with many of
our other customers.”
“If you aren’t sure what your
whole financial picture looks
like, you might benefit from
speaking with my colleague,
Tom. He can help educate you
on where you stand and any
important steps you should be
taking.”
“Have you reviewed your
beneficiaries with someone
recently? Jane is a branch
employee who helps people
with that all the time. May
I introduce you to her?”
“Financial professionals are carefully selected and trained to
address our customers’ specific needs.”
“I understand you’re concerned about risk. I’ll make sure I
share that with the financial professional when I introduce you.
He/She can help you determine your level of risk tolerance and
suggest a specific investment that could be of interest.”
“Many of our clients have brokers, but benefit from a complementary
second opinion from a financial professional.”
“Finding time can be tough. I would be able to schedule an
appointment for you any evening or weekend.”
“I understand you’re worried about high fees, but we offer many
different investment products. A financial professional can work
with you to determine a product that will suit your specific needs.”
“Since access to your money is important to you, you should
know that we offer many different investment products to suit
specific investor requirements. Our financial professional can
recommend a product that may be right for you.”
“I understand your frustration, but it may be that it was the
wrong investment for you. That’s why we advise meeting with a
financial professional.”
“OK. I would recommend that you meet with a financial
professional first so that when you do meet with your
accountant/lawyer/relative you’ll have the information
you need.”
“I understand you would rather not make an appointment.
However, the financial professional will want to make sure he/she
has the time to fully evaluate your needs and concerns.”
“Great. Once you talk it over, we can arrange for an
appointment for both of you.”
“OK. Take some time to think about it. You can call your local
branch any time to schedule an appointment with a financial
professional.”
“You may think that you are too old, but our financial
professional can recommend appropriate investments for
people of all ages.”
“Tom specializes in helping
people with concerns like yours.
May I introduce you to him?”
“Those people aren’t
interestedin me. They only
want the commission.”
“Those investments
are too risky.”
“I already have a broker.”
“I’m too busy.”
“The fees are too high.”
“I need liquidity.”
“I already tried it
and lost money.”
“I need to talk to my
accountant/lawyer/
relative.”
“I don’t want to make an
appointment. I’ll talk to
him/her next time I’m in
the branch.”
“I’ll have to ask my
spouse first.”
“If I’m interested,
I’ll call you.”
“I’m too old.”
“Many of our preferred
clients work with Jane.
May I introduce you
to her?”
“I really think you would
benefit from meeting with
Tom. Do mornings work for you
or are afternoons better?”
“I’ll make sure Jane is
aware of your concerns.
Let me introduce you
to her so that you
can talk about some
potential ways you can
address them.”
The more your customers know about the strategies
your branch can provide them, the greater their
loyalty will be to your branch. Help your customers
to better their financial situations.
Give your
customers
a way to
discuss
their needs.
Use this helpful GIFT
acronym as a framework
for explaining what a
financial professional
can assist with:
Goals
is knowledgeable on ways
to help grow your assets
Income
can help address your
concerns about outliving
your income
Family
can help you with
beneficiary planning
Taxes
can discuss your concerns
and appropriate strategies
“The financial professional can help you think it through.
And remember, there is no obligation and the conversation
is complementary.”
“I’ll think about it.”
“Investment requirements may be less than you think.
Speak with a representative.”
“I don’t have any
money to invest.”
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Pro
with
BOP PROOF
YOURSELF
WITH
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1 2
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a
b
c
3
The Westport Inn
Westport Inn
1 2
65
ITSF
twins
cap
twins
cap
PRUDENTIAL FINANCIAL MARKETING MAILER
GETONTHEROADTOGUARANTEEDLIFETIMEINCOME
Over the course of my career, I’ve helped many people create a more secure
future and would like to help you too. I can introduce you to strategies
that provide guaranteed retirement income that lasts your lifetime.
By watching a 3-minute video on www.Prudential.com/DefinedIncome,
you can start your journey to a more secure retirement with the
Prudential Defined Income Variable Annuity.
www.Prudential.com/DefinedIncome
It can only take 3 minutes to change your road to retirement
Let’s get together and review your plans for
retirement and see if you are on track.
Call me and we can get started today!
And ask me for a guaranteed income quote to further explore your options.
Investors should consider the features of the contract and the underlying portfolios’ investment objectives, policies,
management, risks, charges and expenses carefully before investing. This and other important information is contained in the
prospectus, which can be obtained from your financial professional. Please read the prospectus carefully before investing.
Variable annuities are issued by Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), Newark, NJ
(main office) and distributed by Prudential Annuities Distributors, Inc., Shelton, CT. All are Prudential Financial companies and each is solely
responsible for its own financial condition and contractual obligations. Prudential Annuities is a business of Prudential Financial, Inc.
Annuity contracts contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your licensed financial
professional can provide you with complete details.
All guarantees, including the benefit payment obligations arising under the annuity contract guarantees, rider guarantees, optional benefits, any fixed account crediting
rates or annuity payout rates are backed by the claims-paying ability of Pruco Life Insurance Company and Pruco Life Insurance Company of New Jersey. Those payments
and the responsibility to make them are not the obligations of the third party broker/dealer from which this annuity is purchased or any of its affiliates. All guarantees,
including optional benefits, do not apply to the underlying investment options.
A variable annuity is a long-term investment designed for retirement purposes. Investment returns and the principal value of an investment will
fluctuate so that an investor’s units, when redeemed, may be worth more or less than the original investment. Withdrawals or surrenders may be subject to contingent
deferred sales charges.
An excess withdrawal occurs when your cumulative Lifetime Withdrawals exceeds the income amount allowed by the product or living benefit in an annuity year. If an
excess withdrawal is taken, only the portion of the Lifetime Withdrawal that exceeds the remaining income amount for that year will proportionally reduce the guarantee for
future years. If a withdrawal in excess of the income amount reduces the account value to zero, no further amount would be payable and the contract terminates.
©2015 Prudential Financial, Inc. and its related entities. Prudential Annuities, Prudential, the Prudential logo, the Rock symbol, and Bring Your Challenges are service
marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
Issued on contract: P-BBND(2/13) or state variation thereof
Issued on rider: P-RID-LI-DB(5/14) or state variation thereof
0280880-00001-00 ORD209626 ED. 08/2015
[WO#784701]
3MINUTES CANLEAD TO A NEW ROADTO
3MINUTES CANLEAD TO A NEW ROADTO
desserts
cookies & bars-
Giant cookies
	 -chocolate chip, oatmeal raisin, black & white,
	 peanut butter, gingersnap	 1.75
Mini cookies
	 -chocolate chip, oatmeal, peanut butter,
	 macadamia nut white chocolate	 .75
Bars
	 -carrot cake, pecan, lemon, raspberry, snickers,
	 café au lait, apple crumb, black forest, reese’s	 2.75
Brownies
	 -double fudge, turtle, walnut, marble cheese	 2.50
homemade sweets-
Rice pudding	 2.25
Fruit jello	 1.95
Chocolate pudding	 2.25
Cream caramel	 2.95
N.Y. cheese cake	 3.25
Assorted layer cakes	 2.95
your favorite sandwiches
each $5.95
poultry-
1. Fresh carved Turkey, crispy bacon,
cranberry chutney, leaf lettuce, plum
tomatoes on rustic country roll.
2. Grilled Chicken breast on pompeii
sourdough bread with oven roasted peppers,
tomatoes, leaf lettuce, honey mustard and
finely julienne carrots.
5. Applewood smoked Turkey breast and
brie cheese with honey mustard, plum
tomatoes and leaf lettuce on crispy
Parisian baguette.
3. Roasted Chicken breast, Mexican spiced
roasted red onions and peppers, leaf lettuce,
plum tomatoes, pepper jack cheese and
southwestern red pepper chipotle sauce
on a puebla roll.
6. Pan seared Moroccan Chicken with carrot
raisin salad, plum tomatoes, watercress
and low fat yogurt tahini sauce in a middle
eastern pita bread.
4. Pecan crusted breast of Chicken, caramelized
onions, plum tomatoes, arugula, shaved
parmesan cheese and roasted red pepper sauce
on a rosemary foccacia.
surf & turf-
7. Rare roast beef, crisp carmelized onions,
cheddar cheese, plum tomatoes and leaf lettuce,
Russian dressing on an onion ciabatinni.
8. White albacoreTuna salad, tossed with
mayonnaise and celery, topped with oven
roasted peppers, tomatoes and leaf lettuce
on a whole grain baguette .
vegetables-
9. Vegetarian rosemary foccacia with fire
roasted vegetables, melted goat cheese and
lemon pepper aioli.
10. House made fresh mozzarella, plum
tomatoes oven-roasted red peppers, leaf
basil drizzled with first run imported olive
oil and butcher’s black pepper on Italian
brickoven bread.
Please call us for all your
special occasion cakes. All
cakes beautifully decorated
and custom inscribed.
smoothies
Real whole fruit blend with non-fat yogurt and your choice of fresh orange
juice or non-fat milk to make a refreshing nutritional drink.
S $3.95 L $4.95
Aloha Berry-
Golden pineapple,
ripe strawberries
Sunset Orange-
Oranges and tree
ripened bananas
Life’s a Peach-
Peaches, bananas
and fresh orange
Very Berry-
Strawberries, fresh
blueberries and
raspberries
Tropic Tango-
Strawberries,
banana and golden
pineapple
Mocha Java-
Tree ripe
bananas, espresso
and imported
chocolate
premium sandwicheseach $6.75
11. Grilled shrimp B.L.T. with smoked
Turkey bacon, plum tomatoes, avocado,
romaine and lemon basil aioli on carmelized
onion ciabatine.
12. Marinated sliced filet mignon, arugula,
slow roasted tomatoes and gorgonzola
dressing on a French sourdough roll.
13. Pan seard almond-crusted salmon, smoked
Turkey bacon, watercress, plum tomatoes,
lemon basil aioli on eight-grain rustic foccacia.
14. Grilled portabella mushroom, sauted baby
spinach, roasted sweet peppers, carmelized
onions, goat cheese and basil pesto on
tomato faccacia.
hot sandwicheseach $6.95
15. Buena Vista steak, rare roast beef, Swiss
cheese, chimchurri sauce, roasted pepper
and onion panini.
16. Chicken parmagiana, fresh moz-
zarella, parmesean cheese, arugula and
tomato sauce panini.
17. Charbroiled Chicken breast, fresh
mozzarella and pesto mayonnaise on
european flat bread.
18. Fresh roasted Turkey, pepperjack cheese
and southwestern chipotle sauce on
eight-grain bread.
19. Smoked Turkey, Swiss cheese, carmelized
red onions, thinly-sliced smoked Turkey
ham on a rustic roll.
20. Chicken parmagiana, fresh moz-
zarella, parmesean cheese, arugula and
tomato sauce panini.
21. Charbroiled Chicken breast, fresh
mozzarella and pesto mayonnaise on
european flat bread.
22. Fresh roasted Turkey, pepperjack cheese
and southwestern chipotle sauce on
eight-grain bread.
our wrapseach $5.95
1w. Crispy Chicken, romaine, oven roasted
pepper, grated romano cheese, tomato with
homemade caesar dressing wrap.
2w. Grilled shrimp, lettuce, scallions,
bell pepper, carmelized mango and
roasted red pepper wrap, served with a
Caribbean dressing.
5w. Applewood smoked Turkey breast and
brie cheese with honey mustard, plum
tomatoes and leaf lettuce on crispy
Parisian baguette.
3w. Marinated grilled and moxed Chicken,
baby lettuce, ripe avocado sprout, oven
roasted pepper, tomato wrap, served with
low-fat ranch dressing.
6w. Pan seared Moroccan Chicken with carrot
raisin salad, plum tomatoes, watercress
and low fat yogurt tahini sauce in a middle
eastern pita bread.
4w. Pecan crusted breast of Chicken, caramelized
onions, plum tomatoes, arugula, shaved
parmesan cheese and roasted red pepper sauce
on a rosemary foccacia.
homemade soups
Each day there are four selections of hearty, filling,
soups served with freshly baked brick-oven bread.
12oz $2.95
16oz $3.95
Take one dollar off with a
purchase of any sandwich.
breakfastserved between 6-11 am
Two eggs on a roll	 1.75
	 -with turkey bacon, beef sausage or turkey ham	 2.75
Two egg whites on a roll	 2.00
Your choice of omelettes on a roll
	 -western, Greek, cheese, mushroom, florentine	 2.75
egg sandwiches-
platters-
Two eggs served your way	 2.75
	 -with turkey bacon, beef sausage or turkey ham	 3.75
Omelettes made to order
	 -with two ingredients of your choice from the list	 3.25
the list-
Mushrooms	 Ham
Turkey bacon	 Peppers
Beef sausage	 Cheese
Fresh Spinach	 Onions
Tomatoes	 Broccoli
Fresh Turkey	 Scallions
Butter croissants	 1.25
	 -almond, pecan, apple, strawberry cheese	 1.65
	 -ham and cheese croissant	 2.95
Freshly baked pastries
	 -cheese danish, apple turnover, cinnamon bun,
	 assorted crumb cake, assorted yogurt loaf slice 	 1.75
Muffins
	 -blueberry, honey raisin bran, orange cranberry,
	 corn, banana, chocolate chip, banana walnut 	 1.50
from our ovens-
Bagels
-plain, everything, poppy,
cinnamon raisin, seasame	 .75
-buttered/jelly	 .85
-cream cheese	 1.50
Gourmet cream cheese
vegetable	 1.75
scallion	 1.75
smoked salmon	 1.95
topped with
granola, chopped fresh
fruits, raisins, honey and
cinnamon
hot oatmeal-
S $2.25 L $2.75
create your own salad
Baby field greens, Crisp romaine or Fresh spinach
Step one-choose your greens and size.
Step two-choose your main ingredients. each $1.50
Rosemary grilled Chicken
Thai Chicken
Crispy Chicken
Cajun Chicken
Creole grilled shrimp
Smoked Turkey
Albacore Tuna
Grilled mushrooms
Fresh ripe avocado
Grilled salmon
Step three-choose your toss-ins. each $.75
Step four-choose your favorite dressing.
Sesame ginger
Fat-free honey dijon
Lime chipotle vinaigrette
Raspberry vinaigrette
Roasted garilic vinaigrette
Signature Caesar
Maytag blue cheese
Extra virgin Olive oil
Low-fat Italian
Thousand island
Sundried tomatoes
Saga blue cheese
Feta cheese
Baby mozzarella
Low-fat jack
Croutons (free)
Shaved Romano
Kalamata olives
Crispy bacon
Shredded cheddar
Honey walnuts
Scallions (free)
Sliced beets
Mandarin Oranges
Roasted peppers
Golden raisins
Hard boiled eggs
Chopped tomatoes
Cherry tomatoes
Sunflower seeds
Santa-Fe beans
Grilled Tofu
Creamy ranch
Fat-free lemon herb
Balsamic vinaigrette
Balsamic vinegar
Red wine vinegar
coffee shop
Our own roasted fresh house blend	 .90
Decaf house blend	 .95
Flavored gourmet coffees	 .95
Special roast hazelnut	 .95
Tea	 .90
Herbal teas	 .95
Espresso (imported Italian beans)	 1.75
Cappuccino	 2.25
Moccachino	 2.50
Café Latte	 2.25
Café Aulait	 1.75
hot-
Iced coffee made with our house blend	 .90
Iced coffee decaf or flavored	 .95
Iced cappuccino	 .95
Iced moccachino	 .95
Homemade freshly squeezed lemonade	 .90
Fresh fruit flavored lemonades	 .95
Freshly squeezed juices	 1.75
Cranberry juice	 2.25
Tropicana pint	 2.50
Bottled soda, Snapple	 2.25
Bottled water	 1.75
chilled-
$2.95
$3.95
Small
Large
TASTY CAFE BRANDING AND MENU
WORLD SCIENCE FESTIVAL MARKETING
Science takes center stage at the World Science Festival.
At the beginning of every pirouette,
is science
PRUDENTIAL FINANCIAL PDI CLIENT VIDEO PREMIERE
Coming Soon
the prudential defined
income variable
annuity client video
Playing on
a computer
near you!
Summer 2015
For Internal Use Only
The Warner is Torrington’s Famous Theatre.
John Brown is Torrington’s Famous Figure.
Twin Colony is Torrington’s Famous Diner.
860 482 5346
Sunday-Thursday 6am-2am
Friday-Saturday 24 hours
417 East Elm Street - Torrington
HEINEKEN USA POINT OF SALE ITEMS
GE BRANDED INFOGRAPHICS
contact information:
appsec.prgqteam@ge.com
Security Assessments
Software
and Product
Security Team
SPS Team
from chip
to cloud
mobile apps
* iPhone
* Android
* BlackBerry
* Windows Phone
software
networks
technologies tested
third party
components
Not sure if we can test
your product? Ask us,
we probably can.embedded
systems
* SCADA
* PLC
* Switches
* Hardware
of data breaches
caused by hacking
52%
* Veracode State of Software Security Report, April 2013, Vol 5
benefits
*early detection of
security issues
lowers costs
*protecting your product
means protecting our
customers, employees,
and brand
source code
review
white
box
black
box
grey
box
defense
in depth
per line
}~20¢
manual
testing }
source code
& manual
testing
total
system
testing
service descriptions
~$3,000
~$12,000
~$3,000
}
}
We test for confidentiality,
integrity, and availability.
tests included
in services
areas of testing
* Access Control
* Input Validation
* Session Management
* Configuration Management
* Information Disclosure
* Business Logic
* Denial of Service
types of testing
* Static Scanning
* Dynamic Scanning
* Penetration Testing
* Forensic Testing
* Reverse Engineering
* Password Cracking
$9MSAVINGS
THOUSAND
HOURS
42TERABYTES
1PAGE
30WORKDAYS
130INQUIRIES
44
IT ALL ADDS UP…
GE Power & Water’s
Power Generation
Services business
eliminated nearly half of
all staff level meetings,
giving employees 44,000
hours back to work on
customer needs.
Designed to quickly identify,
elevate and resolve issues
impacting our customers.
Customer First, GE's
customer Ombuds
process, received 130 inquires.
IT eliminated nearly 42 terabytes of data
from folders and libraries—that is roughly
five times the size of the collection for the
U.S. Library of Congress.
GE Capital Real Estate changed a review process that involved 15
people for 2 hours each month to a quarterly process freeing up 240
hours, that’s 30 work days! And that doesn’t include the preparatory
work that goes into the meetings.
GE Lighting and IT
developed and launched
SimpleSales app that’s
reducing sales cycle time
from 160 to 60 days.
GE Transportation has
saved roughly $9M
through its Bullet Train
initiatives, a cost saving
program focused on areas like travel,
data processing, and utilities.
100DAYS FASTER
A BETTER,
FASTER,
SMARTER GE
Across GE, we're simplifying our work
and making it easier for customers to do
business with us. In a company like GE,
these accomplishments really add up.
Legal reduced the pages of a GE-wide Non-
Disclosure Agreement by 60%—taking it
down to just 1 page. This makes it easier for
us and even easier for our customers to do
business with us.
4PAGES
GE Transportation, Legal and the GGO
established a short, easy to use set of
pre-approved terms down from about
12 pages to 4, taking 2 weeks off the cycle
time and 70 employee hours for each deal.
2 WEEKS
MINUS
SAVING 70 EMPLOYEE HOURS
HR OPERATIONS
IN 2013
So what did we do?
Listened to the HRM’s…
>> 100’s of Service Excellence open houses in all regions
>> 20 global focus group sessions for OneHR Portal design input
>> 150 YE HRM dialogues re: HR Ops – 79% Good or Excellent rating
…and built some COE’s…
>> HelpDesk: 24X6 support; 2K queries/month
>> OHR Experts: Touched 100,000 EE records
>> Reporting/Analytics: Global coverage; 9K reports
>> User Prod’y: 5 Cafés (1K HRMs); InfoBytes (4.5K readers)
…and cleanup!
>> 9,850 Helpdesk ticket types
>> 4,500 expired job reqs.
>> 4,000 unused reports
…while supporting our partners.
>> Learning: Migrated 33MM records to new LMS
>> Comp & Benefits: Tool 50% faster; 5x capability
>> Recruitment: 50K jobs posted and 2.5M resumes processed
>> Global Ops Centers: 477K HR transactions processed
Which led to a lot of productivity!
Got simpler/standard/digitized
>> Exit: 79 countries, 15 languages
saves 9 person-years
>> Offer letters: standard/digitized in 21 countries
50% faster production
>> 152K hits to contextual EMS + Learning training
from inside the tools
Got rid of some typing
>> 80% fewer Onboarding data fields
>> Launched 11 trx in HRDM: saves 4K HRM hrs./year
(e.g., End Employment trx saves 50% HRM time) 6
> 42K trx executed
Got rid of some paper
>> 1.25MM employee documents scanned
>> 50K digital acknowledgements
>> 22K electronic salary letters
Got mobile
>> Mobile Pay App
>> Mobile Above and Beyond
Got HR’s stuff together
>> New OneHR Portal: Metrics, powerful search, targeted
content and quick transactions
>> HR Reports Portal: Simplified how HRMs find their data
and are confident about results
We helped
answer big
questions!
>> 8 Big Data analytics projects –
including a new union
negotiations modeling tool
>> Pulse 130K employee about
simplification and work on
action plans with businesses
While keeping
the company safe.
>> 96% of OFCCP audits
closed with 0 defects
6 industry standard =
72%!
>> Deployed new, single
security model for all
HR systems saving
500 hrs./year
LOFTHOUSE’S FISHERMAN’S FRIEND PACKAGING
D R U G FA C T S
ACTIVE INGREDIENT IN EACH LOZENGE
Menthol 10mg (cough suppressant/oral anesthetic)
U S E S TEMPORARILY RELIEVES
Cough due to minor throat and bronchial irritation occurring with
the common cold or inhaled irritants. Occasional minor sore throat.
WA R N I N G S
SORE THROAT WARNING:
Severe or persistent sore throat or sore throat that occurs with fever, headache,
nausea, and vomiting may be serious. Ask a doctor right away. Do not use more
than 2 days or give children under 3 years of age unless directed by a doctor.
ASK A DOCTOR BEFORE USE IF YOU HAVE:
Cough that occurs with too much phlegm (mucus) or a persistent of chronic
cough that lasts such as occurs with smoking, asthma, or emphysema.
STOP AND ASK A DOCTOR BEFORE USE IF:
Cough lasts more than 7 days, comes back, or occurs with fever, rash or headache
that lasts. These could be signs of a serious condition. If sore throat is severe,
lasts more than 2 days, is accompanied or followed by fever, headache, rash,
swelling, nausea or vomiting.
IF PREGNAT OR BREAST-FEEDING, ask a health professional before use.
DIRECTIONS:
Adults and children 2 years and over: allow 1 lozenge to dissolve slowly in the
mouth. Repeat every 2 hours as needed or as directed by a doctor. Children under
2 years of age: ask a doctor.
Inactive ingredients: capsicum, dextrin, eucalyptus oil, natural licorice, sugar, tragacanth
FISHERMAN’SFRIENDlozengeswereoriginallyformulated
inthe1860’sfordeepseafishermenwhosailedfromFleetwood,
England.Theyusedtheselozengeswhileworkinginthesevere
weatherconditionsfoundnearIcelandandtheArcticCircle.
FISHERMAN’SFRIENDisrenownedaroundtheworld.Discover
itspowerinfightingcoughs,soothingsorethroats,andhelping
nasalpassagesfeelcoolandclearer.
Fisherman's
NEVER BE
38LOZENGES
SUPPRESSANTS
COUGH SUPPRESSANT/ORAL ANESTHETIC
NO ARTIFICIAL FLAVORS OR INGREDIENTS
LOFTHOUSE'S
SINCE 1865
MANFACTURED BY LOFTHOUSE OF FLEETWOOD LTD., LANCS., ENGLAND
DISTRIBUTED BY PEZ CANDY INC., 35 PRINDLE HILL ROAD, ORANGE, CT 06477
MENTHOLCOUGH
ORIGINAL EXTRA STRONG
PEZ.COM
WITHOUT A FRIEND
(8100)0 74764

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Digital portfolio 2016

  • 1.
  • 2. PRUDENTIAL FINANCIAL BANK REFERRAL KIT TRI-FOLD BROCHURE MAKINGTHECONNECTIONS: Look, listen and learn in your day-to-day customer interactions OVERCOMINGOBJECTIONS: Acknowledge and address your customers’ objections in a non-threatening manner CONNECTINGTOAFINANCIALPROFESSIONAL: Helpfulphrasestousewhenreferring customers to afinancialprofessional LEARN WITH CONVERSATION STARTING QUESTIONS: • “What’s new with you?” • “Do the beneficiaries on your accounts need updating?” • “How are things with your family?” • “How’s your job going?” • “Have you thought about doing something else with this money for your family?” • “Do you have any questions about the CD rates you’re currently getting?” • “Do you have a relationship with a business banker?” • “Do you need any help organizing or consolidating your accounts?” • “Does your employer provide you with any retirement planning assistance?” • “Do you have a plan in place for replacing Social Security if and when one of you passes away?” WHAT TO LOOK FOR: • Large cash balance • Changes in direct deposit or employment checks • Receiving Social Security • Deposited lump sum • Changes in marital status • Multiple savings accounts • Paying off business loan • Required Minimum Distributions (RMDs) • Multiple IRA’s and/or CDs WHAT TO LISTEN FOR: • Behind in retirement savings • Inheritance • Job change • Divorce • Widowed • Sold a business • Unhappy with CD rates • 401k questions • Tax concerns • Beneficiary planning questions • Concerned about market volatility • Close to retirement “Part of what we do here is help people with saving for retirement. I’d love to set up a time for you to meet with Jane. When would be a good time?” “Jane is a trusted resource and just one way we help set ourselves apart from other institutions. There is no cost for this service.” “If you are concerned about estate planning, you should speak with Tom. He’s been able to address that concern with many of our other customers.” “If you aren’t sure what your whole financial picture looks like, you might benefit from speaking with my colleague, Tom. He can help educate you on where you stand and any important steps you should be taking.” “Have you reviewed your beneficiaries with someone recently? Jane is a branch employee who helps people with that all the time. May I introduce you to her?” “Financial professionals are carefully selected and trained to address our customers’ specific needs.” “I understand you’re concerned about risk. I’ll make sure I share that with the financial professional when I introduce you. He/She can help you determine your level of risk tolerance and suggest a specific investment that could be of interest.” “Manyofourclientshavebrokers,butbenefitfromacomplementary secondopinionfromafinancialprofessional.” “Findingtimecanbetough.Iwouldbeabletoschedulean appointmentforyouanyeveningorweekend.” “Iunderstandyou’reworriedabouthighfees,butweoffermany differentinvestmentproducts.Afinancialprofessionalcanwork withyoutodetermineaproductthatwillsuityourspecificneeds.” “Since access to your money is important to you, you should know that we offer many different investment products to suit specific investor requirements. Our financial professional can recommend a product that may be right for you.” “I understand your frustration, but it may be that it was the wrong investment for you. That’s why we advise meeting with a financial professional.” “OK. I would recommend that you meet with a financial professional first so that when you do meet with your accountant/lawyer/relative you’ll have the information you need.” “I understand you would rather not make an appointment. However, the financial professional will want to make sure he/she has the time to fully evaluate your needs and concerns.” “Great. Once you talk it over, we can arrange for an appointment for both of you.” “OK. Take some time to think about it. You can call your local branch any time to schedule an appointment with a financial professional.” “You may think that you are too old, but our financial professional can recommend appropriate investments for people of all ages.” “Tom specializes in helping people with concerns like yours. May I introduce you to him?” “Thosepeoplearen’t interestedinme.Theyonly wantthecommission.” “Those investments are too risky.” “Ialreadyhaveabroker.” “I’m too busy.” “The fees are too high.” “I need liquidity.” “I already tried it and lost money.” “I need to talk to my accountant/lawyer/ relative.” “I don’t want to make an appointment. I’ll talk to him/her next time I’m in the branch.” “I’ll have to ask my spouse first.” “If I’m interested, I’ll call you.” “I’m too old.” “Manyofourpreferred clientsworkwithJane. MayIintroduceyou toher?” “I really think you would benefit from meeting with Tom. Do mornings work for you or are afternoons better?” “I’ll make sure Jane is aware of your concerns. Let me introduce you to her so that you can talk about some potential ways you can address them.” The more your customers know about the strategies your branch can provide them, the greater their loyalty will be to your branch. Help your customers to better their financial situations. Give your customers a way to discuss their needs. Use this helpful GIFT acronym as a framework for explaining what a financial professional can assist with: Goals is knowledgeable on ways to help grow your assets Income can help address your concerns about outliving your income Family can help you with beneficiary planning Taxes can discuss your concerns and appropriate strategies “The financial professional can help you think it through. And remember, there is no obligation and the conversation is complementary.” “I’ll think about it.” “Investment requirements may be less than you think. Speak with a representative.” “I don’t have any money to invest.” MAKINGTHECONNECTIONS:Look,listenandlearninyourday-to-daycustomerinteractions OVERCOMINGOBJECTIONS:Acknowledgeandaddressyourcustomers’objectionsinanon-threateningmanner CONNECTINGTOAFINANCIALPROFESSIONAL:Helpfulphrasestousewhenreferringcustomerstoafinancialprofessional LEARNWITHCONVERSATIONSTARTINGQUESTIONS: • “What’snewwithyou?” • “Dothebeneficiariesonyouraccountsneedupdating?” • “Howarethingswithyourfamily?” • “How’syourjobgoing?” • “Haveyouthoughtaboutdoingsomethingelsewiththismoneyforyourfamily?” • “DoyouhaveanyquestionsabouttheCDratesyou’recurrentlygetting?” • “Doyouhavearelationshipwithabusinessbanker?” • “Doyouneedanyhelporganizingorconsolidatingyouraccounts?” • “Doesyouremployerprovideyouwithanyretirementplanningassistance?” • “DoyouhaveaplaninplaceforreplacingSocialSecurityifandwhenoneofyoupassesaway?” WHATTOLOOKFOR: • Largecashbalance • Changesindirectdepositoremploymentchecks • ReceivingSocialSecurity • Depositedlumpsum • Changesinmaritalstatus • Multiplesavingsaccounts • Payingoffbusinessloan • RequiredMinimumDistributions(RMDs) • MultipleIRA’sand/orCDs WHATTOLISTENFOR: • Behindinretirementsavings • Inheritance • Jobchange • Divorce • Widowed • Soldabusiness • UnhappywithCDrates • 401kquestions • Taxconcerns • Beneficiaryplanningquestions • Concernedaboutmarketvolatility • Closetoretirement “Partofwhatwedohereis helppeoplewithsavingfor retirement.I’dlovetosetupa timeforyoutomeetwithJane. Whenwouldbeagoodtime?” “Janeisatrustedresource andjustonewaywehelp setourselvesapartfrom otherinstitutions.Thereis nocostforthisservice.” “Ifyouareconcerned aboutestateplanning,you shouldspeakwithTom. He’sbeenabletoaddress thatconcernwithmanyof ourothercustomers.” “Ifyouaren’tsurewhatyour wholefinancialpicturelooks like,youmightbenefitfrom speakingwithmycolleague, Tom.Hecanhelpeducateyou onwhereyoustandandany importantstepsyoushouldbe taking.” “Haveyoureviewedyour beneficiarieswithsomeone recently?Janeisabranch employeewhohelpspeople withthatallthetime.May Iintroduceyoutoher?” “Financialprofessionalsarecarefullyselectedandtrainedto addressourcustomers’specificneeds.” “Iunderstandyou’reconcernedaboutrisk.I’llmakesureI sharethatwiththefinancialprofessionalwhenIintroduceyou. He/Shecanhelpyoudetermineyourlevelofrisktoleranceand suggestaspecificinvestmentthatcouldbeofinterest.” “Manyofourclientshavebrokers,butbenefitfromacomplementary secondopinionfromafinancialprofessional.” “Findingtimecanbetough.Iwouldbeabletoschedulean appointmentforyouanyeveningorweekend.” “Iunderstandyou’reworriedabouthighfees,butweoffermany differentinvestmentproducts.Afinancialprofessionalcanwork withyoutodetermineaproductthatwillsuityourspecificneeds.” “Sinceaccesstoyourmoneyisimportanttoyou,youshould knowthatweoffermanydifferentinvestmentproductstosuit specificinvestorrequirements.Ourfinancialprofessionalcan recommendaproductthatmayberightforyou.” “Iunderstandyourfrustration,butitmaybethatitwasthe wronginvestmentforyou.That’swhyweadvisemeetingwitha financialprofessional.” “OK.Iwouldrecommendthatyoumeetwithafinancial professionalfirstsothatwhenyoudomeetwithyour accountant/lawyer/relativeyou’llhavetheinformation youneed.” “Iunderstandyouwouldrathernotmakeanappointment. However,thefinancialprofessionalwillwanttomakesurehe/she hasthetimetofullyevaluateyourneedsandconcerns.” “Great.Onceyoutalkitover,wecanarrangeforan appointmentforbothofyou.” “OK.Takesometimetothinkaboutit.Youcancallyourlocal branchanytimetoscheduleanappointmentwithafinancial professional.” “Youmaythinkthatyouaretooold,butourfinancial professionalcanrecommendappropriateinvestmentsfor peopleofallages.” “Tomspecializesinhelping peoplewithconcernslikeyours. MayIintroduceyoutohim?” “Thosepeoplearen’t interestedinme.Theyonly wantthecommission.” “Thoseinvestments aretoorisky.” “Ialreadyhaveabroker.” “I’mtoobusy.” “Thefeesaretoohigh.” “Ineedliquidity.” “Ialreadytriedit andlostmoney.” “Ineedtotalktomy accountant/lawyer/ relative.” “Idon’twanttomakean appointment.I’lltalkto him/hernexttimeI’min thebranch.” “I’llhavetoaskmy spousefirst.” “IfI’minterested, I’llcallyou.” “I’mtooold.” “Manyofourpreferred clientsworkwithJane. MayIintroduceyou toher?” “Ireallythinkyouwould benefitfrommeetingwith Tom.Domorningsworkforyou orareafternoonsbetter?” “I’llmakesureJaneis awareofyourconcerns. Letmeintroduceyou tohersothatyou cantalkaboutsome potentialwaysyoucan addressthem.” Themore your customers know about the strategies yourbranch can provide them, the greater their loyalty will be to your branch.Help your customers to better their financial situations. Giveyour customers awayto discuss theirneeds. UsethishelpfulGIFT acronymasaframework forexplainingwhata financialprofessional canassistwith: Goals is knowledgeable on ways to help grow your assets Income can help address your concerns about outliving your income Family can help you with beneficiary planning Taxes can discuss your concerns and appropriate strategies “Thefinancialprofessionalcanhelpyouthinkitthrough. Andremember,thereisnoobligationandtheconversation iscomplementary.” “I’llthinkaboutit.” “Investmentrequirementsmaybelessthanyouthink. Speakwitharepresentative.” “Idon’thaveany moneytoinvest.” FOR BRANCH EMPLOYEE USE ONLY. NOT FOR USE WITH THE PUBLIC.FOR BRANCH EMPLOYEE USE ONLY. NOT FOR USE WITH THE PUBLIC. 0000000-00000-00 Ed. 08/2015 Investors should consider the features of the contract and the underlying portfolios’ investment objectives, policies, management, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectus, which can be obtained from your financial professional. Please read the prospectus carefully before investing. Variable annuities are issued by Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), Newark, NJ (main office) and distributed by Prudential Annuities Distributors, Inc., Shelton, CT. All are Prudential Financial companies and each is solely responsible for its own financial condition and contractual obligations. Prudential Annuities is a business of Prudential Financial, Inc. Annuity contracts contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your licensed financial professional can provide you with complete details. A variable annuity is a long-term investment designed for retirement purposes. Investment returns and the principal value of an investment will fluctuate so that an investor’s units, when redeemed, may be worth more or less than the original investment. Withdrawals or surrenders may be subject to contingent deferred sales charges. Prudential Annuities and its distributors and representatives do not provide tax, accounting, or legal advice. Please have your clients consult their own attorney or accountant. Your clients needs and suitability of annuity products and benefits should be carefully considered before investing. © 2015 Prudential Financial, Inc. and its related entities. Prudential Annuities, Prudential, the Prudential logo, the Rock symbol, and Bring Your Challenges are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. 0281929-00001-00 ORD209804 Ed. 08/2015 [WO# 794802] CT: mers ace ncome and savings e purchasing power ination of market on assets This material was prepared as an informational resource to help branch employees better serve the financial needs of their customers and is intended for referral purposes only. It should not be used by branch employees to discuss any financial product. CUSTOMER CONNECTIONSUNCOVER NEW OPPORTUNITIES IN YOUR BRANCH FOR BRANCH EMPLOYEE USE ONLY. NOT FOR USE WITH THE PUBLIC.FOR BRANCH EMPLOYEE USE ONLY. NOT FOR USE WITH THE PUBLIC. 0000000-00000-00 Ed. 08/2015 Investors should consider the features of the contract and the underlying portfolios’ investment objectives, policies, management, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectus, which can be obtained from your financial professional. Please read the prospectus carefully before investing. Variable annuities are issued by Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), Newark, NJ (main office) and distributed by Prudential Annuities Distributors, Inc., Shelton, CT. All are Prudential Financial companies and each is solely responsible for its own financial condition and contractual obligations. Prudential Annuities is a business of Prudential Financial, Inc. Annuity contracts contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your licensed financial professional can provide you with complete details. A variable annuity is a long-term investment designed for retirement purposes. Investment returns and the principal value of an investment will fluctuate so that an investor’s units, when redeemed, may be worth more or less than the original investment. Withdrawals or surrenders may be subject to contingent deferred sales charges. Prudential Annuities and its distributors and representatives do not provide tax, accounting, or legal advice. Please have your clients consult their own attorney or accountant. Your clients needs and suitability of annuity products and benefits should be carefully considered before investing. © 2015 Prudential Financial, Inc. and its related entities. Prudential Annuities, Prudential, the Prudential logo, the Rock symbol, and Bring Your Challenges are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. 0281929-00001-00 ORD209804 Ed. 08/2015 [WO# 794802] Help customers connect with a financial professional who can provide guidance and recommend strategies. HELPING CUSTOMERS CONNECT: Why is it important to help introduce your customers to a financial professional? Today, your customers have many challenges to face when it comes to their financial well-being: • Living Longer — increasing life spans increase the risk of outliving income and savings • Rising Costs — inflation, taxes and healthcare costs can erode future purchasing power • Market Uncertainty and Low Interest Rates — the combination of market volatility and consistent low interest rates can have a devastating impact on assets This material was prepared as an informational resource to help branch employees better serve the financial needs of their customers and is intended for referral purposes only. It should not be used by branch employees to discuss any financial product. CUSTOMER CONNECTIONSUNCOVER NEW OPPORTUNITIES IN YOUR BRANCH MAKINGTHE CONNECTIONS: Look, listen and learn in your day-to-day customer interactions OVERCOMINGOBJECTIONS:Acknowledge and address your customers’ objections in a non-threatening manner CONNECTING TO A FINANCIAL PROFESSIONAL: Helpful phrases to use when referring customers to a financial professional LEARN WITH CONVERSATION STARTING QUESTIONS: • “What’s new with you?” • “Do the beneficiaries on your accounts need updating?” • “How are things with your family?” • “How’s your job going?” • “Have you thought about doing something else with this money for your family?” • “Do you have any questions about the CD rates you’re currently getting?” • “Do you have a relationship with a business banker?” • “Do you need any help organizing or consolidating your accounts?” • “Does your employer provide you with any retirement planning assistance?” • “Do you have a plan in place for replacing Social Security if and when one of you passes away?” WHAT TO LOOK FOR: • Large cash balance • Changes in direct deposit or employment checks • Receiving Social Security • Deposited lump sum • Changes in marital status • Multiple savings accounts • Paying off business loan • Required Minimum Distributions (RMDs) • Multiple IRA’s and/or CDs WHAT TO LISTEN FOR: • Behind in retirement savings • Inheritance • Job change • Divorce • Widowed • Sold a business • Unhappy with CD rates • 401k questions • Tax concerns • Beneficiary planning questions • Concerned about market volatility • Close to retirement “Part of what we do here is help people with saving for retirement. I’d love to set up a time for you to meet with Jane. When would be a good time?” “Jane is a trusted resource and just one way we help set ourselves apart from other institutions. There is no cost for this service.” “If you are concerned about estate planning, you should speak with Tom. He’s been able to address that concern with many of our other customers.” “If you aren’t sure what your whole financial picture looks like, you might benefit from speaking with my colleague, Tom. He can help educate you on where you stand and any important steps you should be taking.” “Have you reviewed your beneficiaries with someone recently? Jane is a branch employee who helps people with that all the time. May I introduce you to her?” “Financial professionals are carefully selected and trained to address our customers’ specific needs.” “I understand you’re concerned about risk. I’ll make sure I share that with the financial professional when I introduce you. He/She can help you determine your level of risk tolerance and suggest a specific investment that could be of interest.” “Many of our clients have brokers, but benefit from a complementary second opinion from a financial professional.” “Finding time can be tough. I would be able to schedule an appointment for you any evening or weekend.” “I understand you’re worried about high fees, but we offer many different investment products. A financial professional can work with you to determine a product that will suit your specific needs.” “Since access to your money is important to you, you should know that we offer many different investment products to suit specific investor requirements. Our financial professional can recommend a product that may be right for you.” “I understand your frustration, but it may be that it was the wrong investment for you. That’s why we advise meeting with a financial professional.” “OK. I would recommend that you meet with a financial professional first so that when you do meet with your accountant/lawyer/relative you’ll have the information you need.” “I understand you would rather not make an appointment. However, the financial professional will want to make sure he/she has the time to fully evaluate your needs and concerns.” “Great. Once you talk it over, we can arrange for an appointment for both of you.” “OK. Take some time to think about it. You can call your local branch any time to schedule an appointment with a financial professional.” “You may think that you are too old, but our financial professional can recommend appropriate investments for people of all ages.” “Tom specializes in helping people with concerns like yours. May I introduce you to him?” “Those people aren’t interestedin me. They only want the commission.” “Those investments are too risky.” “I already have a broker.” “I’m too busy.” “The fees are too high.” “I need liquidity.” “I already tried it and lost money.” “I need to talk to my accountant/lawyer/ relative.” “I don’t want to make an appointment. I’ll talk to him/her next time I’m in the branch.” “I’ll have to ask my spouse first.” “If I’m interested, I’ll call you.” “I’m too old.” “Many of our preferred clients work with Jane. May I introduce you to her?” “I really think you would benefit from meeting with Tom. Do mornings work for you or are afternoons better?” “I’ll make sure Jane is aware of your concerns. Let me introduce you to her so that you can talk about some potential ways you can address them.” The more your customers know about the strategies your branch can provide them, the greater their loyalty will be to your branch. Help your customers to better their financial situations. Give your customers a way to discuss their needs. Use this helpful GIFT acronym as a framework for explaining what a financial professional can assist with: Goals is knowledgeable on ways to help grow your assets Income can help address your concerns about outliving your income Family can help you with beneficiary planning Taxes can discuss your concerns and appropriate strategies “The financial professional can help you think it through. And remember, there is no obligation and the conversation is complementary.” “I’ll think about it.” “Investment requirements may be less than you think. Speak with a representative.” “I don’t have any money to invest.”
  • 3. GE MAKERS GUILD BRANDING AND WEBSITE Brought to you by UPDATES FROM THE GUILD 1. TOP CREATION FROM THE GUILD "Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incid fuofficia deserunt mollit anim id est laborum." Share the love. Invite someone to join the guild. 2. TOPOLOGY OPTIMIZATION SUMMIT Lorem ipsum dolor sit amet, consectetur INVITE AND SHARE "Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incid fuofficia deserunt mollit anim id est laborum." 3. NEW MISSIONS ADDED Lorem ipsum dolor sit amet, consectetur "Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum." Q: How do I order supplies? "Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud” Q: What USB drive can I use? "Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud” PICTURE PLACEHOLDER MEMBER SPOTLIGHT SHARE PICTURE PLACEHOLDER first lastname, title "Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incid fuofficia deserunt mollit anim id est laborum." http://linktomakers.guild PICTURE PLACEHOLDER first lastname, title "Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incid fuofficia deserunt mollit anim id est laborum." http://linktomakers.guild PICTURE PLACEHOLDER first lastname, title "Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incid fuofficia deserunt mollit anim id est laborum." http://linktomakers.guild QUESTIONS AND ANSWERS
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  • 11. PRUDENTIAL FINANCIAL MARKETING MAILER GETONTHEROADTOGUARANTEEDLIFETIMEINCOME Over the course of my career, I’ve helped many people create a more secure future and would like to help you too. I can introduce you to strategies that provide guaranteed retirement income that lasts your lifetime. By watching a 3-minute video on www.Prudential.com/DefinedIncome, you can start your journey to a more secure retirement with the Prudential Defined Income Variable Annuity. www.Prudential.com/DefinedIncome It can only take 3 minutes to change your road to retirement Let’s get together and review your plans for retirement and see if you are on track. Call me and we can get started today! And ask me for a guaranteed income quote to further explore your options. Investors should consider the features of the contract and the underlying portfolios’ investment objectives, policies, management, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectus, which can be obtained from your financial professional. Please read the prospectus carefully before investing. Variable annuities are issued by Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), Newark, NJ (main office) and distributed by Prudential Annuities Distributors, Inc., Shelton, CT. All are Prudential Financial companies and each is solely responsible for its own financial condition and contractual obligations. Prudential Annuities is a business of Prudential Financial, Inc. Annuity contracts contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your licensed financial professional can provide you with complete details. All guarantees, including the benefit payment obligations arising under the annuity contract guarantees, rider guarantees, optional benefits, any fixed account crediting rates or annuity payout rates are backed by the claims-paying ability of Pruco Life Insurance Company and Pruco Life Insurance Company of New Jersey. Those payments and the responsibility to make them are not the obligations of the third party broker/dealer from which this annuity is purchased or any of its affiliates. All guarantees, including optional benefits, do not apply to the underlying investment options. A variable annuity is a long-term investment designed for retirement purposes. Investment returns and the principal value of an investment will fluctuate so that an investor’s units, when redeemed, may be worth more or less than the original investment. Withdrawals or surrenders may be subject to contingent deferred sales charges. An excess withdrawal occurs when your cumulative Lifetime Withdrawals exceeds the income amount allowed by the product or living benefit in an annuity year. If an excess withdrawal is taken, only the portion of the Lifetime Withdrawal that exceeds the remaining income amount for that year will proportionally reduce the guarantee for future years. If a withdrawal in excess of the income amount reduces the account value to zero, no further amount would be payable and the contract terminates. ©2015 Prudential Financial, Inc. and its related entities. Prudential Annuities, Prudential, the Prudential logo, the Rock symbol, and Bring Your Challenges are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Issued on contract: P-BBND(2/13) or state variation thereof Issued on rider: P-RID-LI-DB(5/14) or state variation thereof 0280880-00001-00 ORD209626 ED. 08/2015 [WO#784701] 3MINUTES CANLEAD TO A NEW ROADTO 3MINUTES CANLEAD TO A NEW ROADTO
  • 12. desserts cookies & bars- Giant cookies -chocolate chip, oatmeal raisin, black & white, peanut butter, gingersnap 1.75 Mini cookies -chocolate chip, oatmeal, peanut butter, macadamia nut white chocolate .75 Bars -carrot cake, pecan, lemon, raspberry, snickers, café au lait, apple crumb, black forest, reese’s 2.75 Brownies -double fudge, turtle, walnut, marble cheese 2.50 homemade sweets- Rice pudding 2.25 Fruit jello 1.95 Chocolate pudding 2.25 Cream caramel 2.95 N.Y. cheese cake 3.25 Assorted layer cakes 2.95 your favorite sandwiches each $5.95 poultry- 1. Fresh carved Turkey, crispy bacon, cranberry chutney, leaf lettuce, plum tomatoes on rustic country roll. 2. Grilled Chicken breast on pompeii sourdough bread with oven roasted peppers, tomatoes, leaf lettuce, honey mustard and finely julienne carrots. 5. Applewood smoked Turkey breast and brie cheese with honey mustard, plum tomatoes and leaf lettuce on crispy Parisian baguette. 3. Roasted Chicken breast, Mexican spiced roasted red onions and peppers, leaf lettuce, plum tomatoes, pepper jack cheese and southwestern red pepper chipotle sauce on a puebla roll. 6. Pan seared Moroccan Chicken with carrot raisin salad, plum tomatoes, watercress and low fat yogurt tahini sauce in a middle eastern pita bread. 4. Pecan crusted breast of Chicken, caramelized onions, plum tomatoes, arugula, shaved parmesan cheese and roasted red pepper sauce on a rosemary foccacia. surf & turf- 7. Rare roast beef, crisp carmelized onions, cheddar cheese, plum tomatoes and leaf lettuce, Russian dressing on an onion ciabatinni. 8. White albacoreTuna salad, tossed with mayonnaise and celery, topped with oven roasted peppers, tomatoes and leaf lettuce on a whole grain baguette . vegetables- 9. Vegetarian rosemary foccacia with fire roasted vegetables, melted goat cheese and lemon pepper aioli. 10. House made fresh mozzarella, plum tomatoes oven-roasted red peppers, leaf basil drizzled with first run imported olive oil and butcher’s black pepper on Italian brickoven bread. Please call us for all your special occasion cakes. All cakes beautifully decorated and custom inscribed. smoothies Real whole fruit blend with non-fat yogurt and your choice of fresh orange juice or non-fat milk to make a refreshing nutritional drink. S $3.95 L $4.95 Aloha Berry- Golden pineapple, ripe strawberries Sunset Orange- Oranges and tree ripened bananas Life’s a Peach- Peaches, bananas and fresh orange Very Berry- Strawberries, fresh blueberries and raspberries Tropic Tango- Strawberries, banana and golden pineapple Mocha Java- Tree ripe bananas, espresso and imported chocolate premium sandwicheseach $6.75 11. Grilled shrimp B.L.T. with smoked Turkey bacon, plum tomatoes, avocado, romaine and lemon basil aioli on carmelized onion ciabatine. 12. Marinated sliced filet mignon, arugula, slow roasted tomatoes and gorgonzola dressing on a French sourdough roll. 13. Pan seard almond-crusted salmon, smoked Turkey bacon, watercress, plum tomatoes, lemon basil aioli on eight-grain rustic foccacia. 14. Grilled portabella mushroom, sauted baby spinach, roasted sweet peppers, carmelized onions, goat cheese and basil pesto on tomato faccacia. hot sandwicheseach $6.95 15. Buena Vista steak, rare roast beef, Swiss cheese, chimchurri sauce, roasted pepper and onion panini. 16. Chicken parmagiana, fresh moz- zarella, parmesean cheese, arugula and tomato sauce panini. 17. Charbroiled Chicken breast, fresh mozzarella and pesto mayonnaise on european flat bread. 18. Fresh roasted Turkey, pepperjack cheese and southwestern chipotle sauce on eight-grain bread. 19. Smoked Turkey, Swiss cheese, carmelized red onions, thinly-sliced smoked Turkey ham on a rustic roll. 20. Chicken parmagiana, fresh moz- zarella, parmesean cheese, arugula and tomato sauce panini. 21. Charbroiled Chicken breast, fresh mozzarella and pesto mayonnaise on european flat bread. 22. Fresh roasted Turkey, pepperjack cheese and southwestern chipotle sauce on eight-grain bread. our wrapseach $5.95 1w. Crispy Chicken, romaine, oven roasted pepper, grated romano cheese, tomato with homemade caesar dressing wrap. 2w. Grilled shrimp, lettuce, scallions, bell pepper, carmelized mango and roasted red pepper wrap, served with a Caribbean dressing. 5w. Applewood smoked Turkey breast and brie cheese with honey mustard, plum tomatoes and leaf lettuce on crispy Parisian baguette. 3w. Marinated grilled and moxed Chicken, baby lettuce, ripe avocado sprout, oven roasted pepper, tomato wrap, served with low-fat ranch dressing. 6w. Pan seared Moroccan Chicken with carrot raisin salad, plum tomatoes, watercress and low fat yogurt tahini sauce in a middle eastern pita bread. 4w. Pecan crusted breast of Chicken, caramelized onions, plum tomatoes, arugula, shaved parmesan cheese and roasted red pepper sauce on a rosemary foccacia. homemade soups Each day there are four selections of hearty, filling, soups served with freshly baked brick-oven bread. 12oz $2.95 16oz $3.95 Take one dollar off with a purchase of any sandwich. breakfastserved between 6-11 am Two eggs on a roll 1.75 -with turkey bacon, beef sausage or turkey ham 2.75 Two egg whites on a roll 2.00 Your choice of omelettes on a roll -western, Greek, cheese, mushroom, florentine 2.75 egg sandwiches- platters- Two eggs served your way 2.75 -with turkey bacon, beef sausage or turkey ham 3.75 Omelettes made to order -with two ingredients of your choice from the list 3.25 the list- Mushrooms Ham Turkey bacon Peppers Beef sausage Cheese Fresh Spinach Onions Tomatoes Broccoli Fresh Turkey Scallions Butter croissants 1.25 -almond, pecan, apple, strawberry cheese 1.65 -ham and cheese croissant 2.95 Freshly baked pastries -cheese danish, apple turnover, cinnamon bun, assorted crumb cake, assorted yogurt loaf slice 1.75 Muffins -blueberry, honey raisin bran, orange cranberry, corn, banana, chocolate chip, banana walnut 1.50 from our ovens- Bagels -plain, everything, poppy, cinnamon raisin, seasame .75 -buttered/jelly .85 -cream cheese 1.50 Gourmet cream cheese vegetable 1.75 scallion 1.75 smoked salmon 1.95 topped with granola, chopped fresh fruits, raisins, honey and cinnamon hot oatmeal- S $2.25 L $2.75 create your own salad Baby field greens, Crisp romaine or Fresh spinach Step one-choose your greens and size. Step two-choose your main ingredients. each $1.50 Rosemary grilled Chicken Thai Chicken Crispy Chicken Cajun Chicken Creole grilled shrimp Smoked Turkey Albacore Tuna Grilled mushrooms Fresh ripe avocado Grilled salmon Step three-choose your toss-ins. each $.75 Step four-choose your favorite dressing. Sesame ginger Fat-free honey dijon Lime chipotle vinaigrette Raspberry vinaigrette Roasted garilic vinaigrette Signature Caesar Maytag blue cheese Extra virgin Olive oil Low-fat Italian Thousand island Sundried tomatoes Saga blue cheese Feta cheese Baby mozzarella Low-fat jack Croutons (free) Shaved Romano Kalamata olives Crispy bacon Shredded cheddar Honey walnuts Scallions (free) Sliced beets Mandarin Oranges Roasted peppers Golden raisins Hard boiled eggs Chopped tomatoes Cherry tomatoes Sunflower seeds Santa-Fe beans Grilled Tofu Creamy ranch Fat-free lemon herb Balsamic vinaigrette Balsamic vinegar Red wine vinegar coffee shop Our own roasted fresh house blend .90 Decaf house blend .95 Flavored gourmet coffees .95 Special roast hazelnut .95 Tea .90 Herbal teas .95 Espresso (imported Italian beans) 1.75 Cappuccino 2.25 Moccachino 2.50 Café Latte 2.25 Café Aulait 1.75 hot- Iced coffee made with our house blend .90 Iced coffee decaf or flavored .95 Iced cappuccino .95 Iced moccachino .95 Homemade freshly squeezed lemonade .90 Fresh fruit flavored lemonades .95 Freshly squeezed juices 1.75 Cranberry juice 2.25 Tropicana pint 2.50 Bottled soda, Snapple 2.25 Bottled water 1.75 chilled- $2.95 $3.95 Small Large TASTY CAFE BRANDING AND MENU
  • 13. WORLD SCIENCE FESTIVAL MARKETING Science takes center stage at the World Science Festival. At the beginning of every pirouette, is science
  • 14. PRUDENTIAL FINANCIAL PDI CLIENT VIDEO PREMIERE Coming Soon the prudential defined income variable annuity client video Playing on a computer near you! Summer 2015 For Internal Use Only
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  • 17. GE BRANDED INFOGRAPHICS contact information: appsec.prgqteam@ge.com Security Assessments Software and Product Security Team SPS Team from chip to cloud mobile apps * iPhone * Android * BlackBerry * Windows Phone software networks technologies tested third party components Not sure if we can test your product? Ask us, we probably can.embedded systems * SCADA * PLC * Switches * Hardware of data breaches caused by hacking 52% * Veracode State of Software Security Report, April 2013, Vol 5 benefits *early detection of security issues lowers costs *protecting your product means protecting our customers, employees, and brand source code review white box black box grey box defense in depth per line }~20¢ manual testing } source code & manual testing total system testing service descriptions ~$3,000 ~$12,000 ~$3,000 } } We test for confidentiality, integrity, and availability. tests included in services areas of testing * Access Control * Input Validation * Session Management * Configuration Management * Information Disclosure * Business Logic * Denial of Service types of testing * Static Scanning * Dynamic Scanning * Penetration Testing * Forensic Testing * Reverse Engineering * Password Cracking $9MSAVINGS THOUSAND HOURS 42TERABYTES 1PAGE 30WORKDAYS 130INQUIRIES 44 IT ALL ADDS UP… GE Power & Water’s Power Generation Services business eliminated nearly half of all staff level meetings, giving employees 44,000 hours back to work on customer needs. Designed to quickly identify, elevate and resolve issues impacting our customers. Customer First, GE's customer Ombuds process, received 130 inquires. IT eliminated nearly 42 terabytes of data from folders and libraries—that is roughly five times the size of the collection for the U.S. Library of Congress. GE Capital Real Estate changed a review process that involved 15 people for 2 hours each month to a quarterly process freeing up 240 hours, that’s 30 work days! And that doesn’t include the preparatory work that goes into the meetings. GE Lighting and IT developed and launched SimpleSales app that’s reducing sales cycle time from 160 to 60 days. GE Transportation has saved roughly $9M through its Bullet Train initiatives, a cost saving program focused on areas like travel, data processing, and utilities. 100DAYS FASTER A BETTER, FASTER, SMARTER GE Across GE, we're simplifying our work and making it easier for customers to do business with us. In a company like GE, these accomplishments really add up. Legal reduced the pages of a GE-wide Non- Disclosure Agreement by 60%—taking it down to just 1 page. This makes it easier for us and even easier for our customers to do business with us. 4PAGES GE Transportation, Legal and the GGO established a short, easy to use set of pre-approved terms down from about 12 pages to 4, taking 2 weeks off the cycle time and 70 employee hours for each deal. 2 WEEKS MINUS SAVING 70 EMPLOYEE HOURS HR OPERATIONS IN 2013 So what did we do? Listened to the HRM’s… >> 100’s of Service Excellence open houses in all regions >> 20 global focus group sessions for OneHR Portal design input >> 150 YE HRM dialogues re: HR Ops – 79% Good or Excellent rating …and built some COE’s… >> HelpDesk: 24X6 support; 2K queries/month >> OHR Experts: Touched 100,000 EE records >> Reporting/Analytics: Global coverage; 9K reports >> User Prod’y: 5 Cafés (1K HRMs); InfoBytes (4.5K readers) …and cleanup! >> 9,850 Helpdesk ticket types >> 4,500 expired job reqs. >> 4,000 unused reports …while supporting our partners. >> Learning: Migrated 33MM records to new LMS >> Comp & Benefits: Tool 50% faster; 5x capability >> Recruitment: 50K jobs posted and 2.5M resumes processed >> Global Ops Centers: 477K HR transactions processed Which led to a lot of productivity! Got simpler/standard/digitized >> Exit: 79 countries, 15 languages saves 9 person-years >> Offer letters: standard/digitized in 21 countries 50% faster production >> 152K hits to contextual EMS + Learning training from inside the tools Got rid of some typing >> 80% fewer Onboarding data fields >> Launched 11 trx in HRDM: saves 4K HRM hrs./year (e.g., End Employment trx saves 50% HRM time) 6 > 42K trx executed Got rid of some paper >> 1.25MM employee documents scanned >> 50K digital acknowledgements >> 22K electronic salary letters Got mobile >> Mobile Pay App >> Mobile Above and Beyond Got HR’s stuff together >> New OneHR Portal: Metrics, powerful search, targeted content and quick transactions >> HR Reports Portal: Simplified how HRMs find their data and are confident about results We helped answer big questions! >> 8 Big Data analytics projects – including a new union negotiations modeling tool >> Pulse 130K employee about simplification and work on action plans with businesses While keeping the company safe. >> 96% of OFCCP audits closed with 0 defects 6 industry standard = 72%! >> Deployed new, single security model for all HR systems saving 500 hrs./year
  • 18. LOFTHOUSE’S FISHERMAN’S FRIEND PACKAGING D R U G FA C T S ACTIVE INGREDIENT IN EACH LOZENGE Menthol 10mg (cough suppressant/oral anesthetic) U S E S TEMPORARILY RELIEVES Cough due to minor throat and bronchial irritation occurring with the common cold or inhaled irritants. Occasional minor sore throat. WA R N I N G S SORE THROAT WARNING: Severe or persistent sore throat or sore throat that occurs with fever, headache, nausea, and vomiting may be serious. Ask a doctor right away. Do not use more than 2 days or give children under 3 years of age unless directed by a doctor. ASK A DOCTOR BEFORE USE IF YOU HAVE: Cough that occurs with too much phlegm (mucus) or a persistent of chronic cough that lasts such as occurs with smoking, asthma, or emphysema. STOP AND ASK A DOCTOR BEFORE USE IF: Cough lasts more than 7 days, comes back, or occurs with fever, rash or headache that lasts. These could be signs of a serious condition. If sore throat is severe, lasts more than 2 days, is accompanied or followed by fever, headache, rash, swelling, nausea or vomiting. IF PREGNAT OR BREAST-FEEDING, ask a health professional before use. DIRECTIONS: Adults and children 2 years and over: allow 1 lozenge to dissolve slowly in the mouth. Repeat every 2 hours as needed or as directed by a doctor. Children under 2 years of age: ask a doctor. Inactive ingredients: capsicum, dextrin, eucalyptus oil, natural licorice, sugar, tragacanth FISHERMAN’SFRIENDlozengeswereoriginallyformulated inthe1860’sfordeepseafishermenwhosailedfromFleetwood, England.Theyusedtheselozengeswhileworkinginthesevere weatherconditionsfoundnearIcelandandtheArcticCircle. FISHERMAN’SFRIENDisrenownedaroundtheworld.Discover itspowerinfightingcoughs,soothingsorethroats,andhelping nasalpassagesfeelcoolandclearer. Fisherman's NEVER BE 38LOZENGES SUPPRESSANTS COUGH SUPPRESSANT/ORAL ANESTHETIC NO ARTIFICIAL FLAVORS OR INGREDIENTS LOFTHOUSE'S SINCE 1865 MANFACTURED BY LOFTHOUSE OF FLEETWOOD LTD., LANCS., ENGLAND DISTRIBUTED BY PEZ CANDY INC., 35 PRINDLE HILL ROAD, ORANGE, CT 06477 MENTHOLCOUGH ORIGINAL EXTRA STRONG PEZ.COM WITHOUT A FRIEND (8100)0 74764