403_b_ Sticker - Prudential Annuities

trade or trades represented arelatively large proportion of the total assets of a particular Portfolio. In furtherance of our generalauthority to restrict transfers as described above, and without limiting other actions we may take in the future, we have adopted thefollowing specific restrictions:▪ With respect to each Sub-account (other than the AST Money Market Sub-account, or a Sub-account corresponding to aProFund Portfolio oraRydex Portfolio), we track amounts exceeding a certain dollar threshold that were transferred into theSub-account. If you transfer such amount into a particular Sub-account, and within 30calendar days thereafter transfer (the“Transfer Out”) all or a portion of that amount into another Sub-account, then upon the Transfer Out, the former Sub-accountbecomes restricted (the “Restricted Sub-account”). Specifically, we will not permit subsequent transfers into the RestrictedSub-account for 90 calendar days after the Transfer Out if the Restricted Sub-account invests in a non-international Portfolio,or 180 calendar days after the Transfer Out if the Restricted Sub-account invests in aninternational Portfolio. For purposes ofthis rule, we (i) do not count transfers made in connection with one of our systematic programs, such as asset allocation andautomated withdrawals; (ii) do not count any transfer that solely involves Sub-accounts corresponding to any ProFundPortfolio and/or Rydex Portfolio and/or the AST Money Market Portfolio; and (iii) do not categorize as a transfer the firsttransfer that you make after the Issue Date, if you make that transfer within 30calendar days after the Issue Date. Even if anamount becomes restricted under the foregoing rules, you are still free to redeem the amount from your Annuity at any time.▪ We reserve the right to effect exchanges on a delayed basis for all contracts. That is, we may price an exchange involving theSub-accounts on the Valuation Day subsequent to the Valuation Day on which the exchange request was received. Beforeimplementing such a practice, we would issue a separate written notice to Owners that explains the practice in detail.If we deny one or more transfer requests under the foregoing rules, we will inform you or your Financial Professional promptly ofthecircumstances concerning the denial.Contract owners in New York who purchased their contracts prior to March 15, 2004 are not subject to the specific restrictionsoutlined in bulleted paragraphs immediately above. In addition, there are contract owners of different variable annuity contractsthat are funded through the same Separate Account that are not subject to the above-referenced transfer restrictions and, therefore,might make more numerous and frequent transfers than contract owners who are subject to such limitations. Finally, there arecontract owners of other variable annuity contracts or variable life contracts that are issued by American Skandia as well as otherinsurance companies that have the same underlying mutual fund portfolios available to them. Since some contract owners are notsubject to the same transfer restrictions, unfavorable consequences associated with such frequent trading within the underlyingmutual fund (e.g., greater portfolio turnover, higher transaction costs, or performance or tax issues) may affect all contract owners.Similarly, while contracts managed by a Financial Professional or third party investment advisor are subject to the restrictions ontransfers between investment options that are discussed above, if the advisor manages a number of contracts in the same fashionunfavorable consequences may be associated with management activity since it may involve the movement of asubstantial portionof an underlying mutual fund’s assets which may affect all contract owners invested in the affected options. Apart fromjurisdiction-specific and contract differences in transfer restrictions, we will apply these rules uniformly (including contractsmanaged by a Financial Professional or third party investment advisor), and will not waive a transfer restriction for any contractowner.Although our transfer restrictions are designed to prevent excessive transfers, they are not capable of preventing everypotential occurrence of excessive transfer activity.The Portfolios may have adopted their own policies and procedures with respect to excessive trading of their respective shares, andwe reserve the right to enforce these policies and procedures. The prospectuses for the Portfolios describe any such policies andprocedures, which may be more or less restrictive than the policies and procedures we have adopted. Under SEC rules, we arerequired to: (1) enter into a written agreement with each Portfolio orits principal underwriter or its transfer agent that obligates usto provide to the Portfolio promptly upon request certain information about the trading activity of individual contract owners, and(2) execute instructions from the Portfolio to restrict or prohibit further purchases or transfers by specific contract owners whoviolate the excessive trading policies established bythe Portfolio. In addition, you should be aware that some Portfolios mayreceive “omnibus” purchase and redemption orders from other insurance companies or intermediaries such as retirement plans. Theomnibus orders reflect the aggregation and netting of multiple orders from individual owners of variable insurance contracts and/orindividual retirement plan participants. The omnibus nature of these orders may limit the Portfolios in their ability to apply theirexcessive trading policies and procedures. In addition, the other insurance companies and/or retirement plans may have differentpolicies and procedures or may not have any such policies and procedures because of contractual limitations. For these reasons, wecannot guarantee that the Portfolios (and thus contract owners) will not be harmed by transfer activity relating to other insurancecompanies and/or retirement plans that may invest in the Portfolios.A Portfolio also may assess a short term trading fee in connection with a transfer out of the Sub-account investing in that Portfoliothat occurs within a certain number of days following the date of allocation to the Sub-account. Each Portfolio determines theamount of the short term trading fee and when the fee is imposed. The fee is retained by or paid to the Portfolio and is not retainedby us. The fee will be deducted from your Account Value, to the extent allowed by law. At present, no Portfolio has adopted ashort-term trading fee.38