Prudential Premier Retirement Variable Annuities

An example of a CDSC is illustrated below:
Since CDSCs are assessed on each Purchase Payment, different withdrawal percentages may apply to each Purchase Payment
withdrawn. For instance, if you purchased an X Series Annuity with $10,000 and then made an additional Purchase Payment
of $1,000 on the fourth Annuity anniversary, the applicable CDSC percentages would be different for each Purchase Payment.
On the fourth Annuity anniversary, the percentage associated with the initial $10,000 payment would be 8% and that
associated with the subsequent $1,000 Purchase Payment would be 9% (since it has not reached the first Annuity anniversary
based on the date it was applied). The maximum CDSC on the fourth Annuity anniversary would be $800 ($10,000 x 8%) for
the initial Purchase Payment and $90 ($1,000 x 9%) for the subsequent Purchase Payment.
If the Annuity’s gross Purchase Payments are less than $100,000, we will charge a Maintenance Fee of the lesser of $50 or 2%
of the Unadjusted Account Value. This fee is assessed on each Annuity anniversary, and if a full surrender of the Annuity
occurs. The Maintenance Fee may be less in some states.
4. An additional tax of 10% may be imposed on distributions taken from the contract prior to the Owner reaching 59 1 ⁄2 years of
age.
5. In the Accumulation Period values under the Annuity are dependent upon the investment results of one or more of the variable
investment options (referred to as “Sub-accounts” in the Annuity) and cannot be guaranteed or projected. An investment in a
variable annuity involves investment risks, including possible loss of value. Fixed rate investment options do provide certain
minimum interest rate guarantees. Transfers between the variable investment options and fixed account transfers may be
subject to some limitations and charges.
6. The amount paid to a broker dealer firm to cover both the individual representative’s commission and other distribution
expenses are described in your prospectus. We may also provide compensation to the distributing firm for providing ongoing
service to you in relation to the Annuity. Commissions and other compensation paid in relation to the Annuity do not result in
any additional charge to you or to the variable investment options.
7. From time to time we may offer various optional benefits and features that may be made part of your Annuity at a cost to you.
Please refer to those sections of the prospectus that explain any optional benefits we make available for a detailed description
of any fees, charges, or financial impact on your Annuity should you elect to purchase any optional benefits.
This disclosure is not part of the Prospectus.