Prudential Premier Retirement Variable Annuities

operating at the same time (so long as any such additional 6 or 12 Month DCA Program is of the same duration). For example,
you may have more than one 6 month DCA Program running, but may not have a 6 month Program running simultaneously
with a 12 month Program.
▪ 6 or 12 Month DCA transfers will begin on the date the DCA MVA Option is established (unless modified to comply with
state law) and on each month following until the entire principal amount plus earnings is transferred. We do not count transfers
under the 6 or 12 Month DCA Program against the number of free transfers allowed under your Annuity.
▪ The minimum transfer amount is $100, although we will not impose that requirement with respect to the final amount to be
transferred under the program.
▪ If you are not participating in an optional benefit, we will make transfers under the 6 or 12 month DCA Program to the
Sub-accounts that you specified upon your election of the Program. If you are participating in any optional benefit, we will
allocate amounts transferred out of the DCA MVA Options in the following manner: (a) if you are participating in the Custom
Portfolios Program, we will allocate to the Sub-accounts in accordance with the rules of that program (b) if you are not
participating in the Custom Portfolios Program, we will make transfers under the 6 or 12 Month DCA Program to the
Sub-accounts that you specified upon your election of the 6 or 12 Month DCA Program, provided those instructions comply
with the allocation requirements for the optional benefit and (c) whether or not you participate in the Custom Portfolios
Program, no portion of our monthly transfer under the 6 or 12 Month DCA Program will be directed initially to the AST
Investment Grade Bond Portfolio Sub-account used with the optional benefit (although the DCA MVA Option is treated as a
“Permitted Sub-account” for purposes of transfers made by any predetermined mathematical formula associated with the
optional benefit).
▪ If you are participating in an optional benefit and also are participating in the 6 or 12 Month DCA Program, and the
predetermined mathematical formula under the benefit dictates a transfer from the Permitted Sub-accounts to the applicable
AST Investment Grade Bond Portfolio Sub-account, then the amount to be transferred will be taken entirely from the
Sub-accounts, provided there is sufficient Account Value in those Sub-accounts to meet the required transfer amount. Only if
there is insufficient Account Value in those Sub-accounts will an amount be transferred from the DCA MVA Options
associated with the 6 or 12 Month DCA Program. Amounts transferred from the DCA MVA Options under the formula will be
taken on a last-in, first-out basis, without the imposition of a market value adjustment.
▪ If you are participating in one of our automated withdrawal programs (e.g., Systematic Withdrawals), we may include within
that withdrawal program amounts held within the DCA MVA Options. If you have elected any optional living benefit, any
withdrawals will be taken on a pro rata basis from your Sub-accounts and the DCA MVA Options. Such withdrawals will be
assessed any applicable MVA.
AUTOMATIC REBALANCING PROGRAMS
During the Accumulation Period, we offer Automatic Rebalancing among the Sub-accounts you choose. The “Accumulation
Period” refers to the period of time from the Issue Date through the last Valuation Day immediately preceding the Annuity Date.
You can choose to have your Account Value rebalanced monthly, quarterly, semi-annually, or annually. On the appropriate date,
the Sub-accounts you choose are rebalanced to the allocation percentages you requested. With Automatic Rebalancing, we transfer
the appropriate amount from the “overweighted” Sub-accounts to the “underweighted” Sub-accounts to return your allocations to
the percentages you request. For example, over time the performance of the Sub-accounts will differ, causing your percentage
allocations to shift. You may make additional transfers; however, the Automatic Rebalancing program will not reflect such
transfers unless we receive instructions from you indicating that you would like to adjust the program. There is no minimum
Account Value required to enroll in Automatic Rebalancing. All rebalancing transfers as part of an Automatic Rebalancing
program are not included when counting the number of transfers each year toward the maximum number of free transfers. We do
not deduct a charge for participating in an Automatic Rebalancing program. Participation in the Automatic Rebalancing program
may be restricted if you are enrolled in certain other optional programs. Sub-accounts that are part of a Systematic Withdrawal
program or Dollar Cost Averaging program will be excluded from an Automatic Rebalancing program.
If you are participating in an optional living benefit (such as Highest Daily Lifetime Income 2.0) that makes transfers under a
predetermined mathematical formula, and you have opted for automatic rebalancing, you should be aware that: (a) the AST bond
portfolio used as part of the predetermined mathematical formula will not be included as part of automatic rebalancing and (b) the
operation of the formula may result in the rebalancing not conforming to the percentage allocations that you specified originally as
part of your Automatic Rebalancing Program.
FINANCIAL PROFESSIONAL PERMISSION TO FORWARD TRANSACTION INSTRUCTIONS
Unless you direct otherwise, your Financial Professional may forward instructions regarding the allocation of your Account Value,
and request financial transactions involving Investment Options. If your Financial Professional has this authority, we deem that
all such transactions that are directed by your Financial Professional with respect to your Annuity have been authorized by
you. You will receive a confirmation of any financial transaction involving the purchase or sale of Units of your Annuity. You
must contact us immediately if and when you revoke such authority. We will not be responsible for acting on instructions from
your Financial Professional until we receive notification of the revocation of such person's authority. We may also suspend, cancel
or limit these authorizations at any time. In addition, we may restrict the Investment Options available for transfers or allocation of
Purchase Payments by such Financial Professional. We will notify you and your Financial Professional if we implement any such
restrictions or prohibitions.
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