XTra Credit Premier - Prudential Annuities

STYLE/TYPESECTORSECTORSECTORINVESTMENT OBJECTIVES/POLICIESProFund VP Technology: seeks daily investment results, before fees and expenses, thatcorrespond to the daily performance of the Dow Jones U.S. Technology Sector Index. The DowJones U.S. Technology Sector Index measures the performance of the technology sector of theU.S. equity market. Component companies include those involved in computers and officeequipment, software, communications technology, semiconductors, diversified technologyservices and internet services.ProFund VP Telecommunications: seeks daily investment results, before fees and expenses,that correspond to the daily performance of the Dow Jones U.S. Telecommunications SectorIndex. The Dow Jones U.S. Telecommunications Sector Index measures the performance of thetelecommunications economic sector of the U.S. equity market. Component companies includefixed line communications and wireless communications companies.ProFund VP Utilities: seeks daily investment results, before fees and expenses, thatcorrespond to the daily performance of the Dow Jones U.S. Utilities Sector Index. The DowJones U.S. Utilities Sector Index measures the performance of the utilities economic sector ofthe U.S. equity market. Component companies include electric utilities, gas utilities and waterutilities.PORTFOLIOADVISOR/SUB-ADVISORProFund AdvisorsLLCProFund AdvisorsLLCProFund AdvisorsLLCTHE PROFUND VP PORTFOLIOS DESCRIBED BELOW ARE AVAILABLE AS SUB-ACCOUNTS TO ALL ANNUITYOWNERS. EACH PORTFOLIO PURSUES AN INVESTMENT STRATEGY THAT SEEKS TO PROVIDE DAILYINVESTMENT RESULTS, BEFORE FEES AND EXPENSES, THAT MATCH A WIDELY FOLLOWED INDEX, INCREASEBY A SPECIFIED FACTOR RELATIVE TO THE INDEX, MATCH THE INVERSE OF THE INDEX OR THE INVERSE OFTHE INDEX MULTIPLIED BY A SPECIFIED FACTOR. THE INVESTMENT STRATEGY OF SOME OF THEPORTFOLIOS MAY MAGNIFY (BOTH POSITIVELY AND NEGATIVELY) THE DAILY INVESTMENT RESULTS OF THEAPPLICABLE INDEX. IT IS RECOMMENDED THAT ONLY THOSE ANNUITY OWNERS WHO ENGAGE A FINANCIALADVISOR TO ALLOCATE THEIR ACCOUNT VALUE USING A STRATEGIC OR TACTICAL ASSET ALLOCATIONSTRATEGY INVEST IN THESE PORTFOLIOS. WE HAVE ARRANGED THE PORTFOLIOS BASED ON THE INDEX ONWHICH IT’S INVESTMENT STRATEGY IS BASED.The S&P 500 Index ® is a widely used measure of large-cap U.S. stock market performance. It includes a representative sample ofleading companies in leading industries. Companies are selected for inclusion in the Index by Standard & Poor's ® for being U.S.companies with adequate liquidity, appropriate market capitalization financial viability and public float.S&P 500S&P 500S&P 500ProFund VP Bull: seeks daily investment results, before fees and expenses, that correspond tothe daily performance of the S&P 500 ® Index.ProFund VP Bear: seeks daily investment results, before fees and expenses, that correspond tothe inverse (opposite) of the daily performance of the S&P 500 ® Index. If ProFund VP Bear issuccessful in meeting its objective, its net asset value should gain approximately the same, on apercentage basis, as any decrease in the S&P 500 ® Index when the Index declines on a givenday. Conversely, its net asset value should lose approximately the same, on a percentage basis,as any increase in the Index when the Index rises on a given day.ProFund VP UltraBull (f/k/a ProFund VP Bull Plus): seeks daily investment results, beforefees and expenses, that correspond to twice (200%) the daily performance of the S&P 500 ®Index. If the ProFund VP UltraBull is successful in meeting its objective, its net asset valueshould gain approximately twice as much, on a percentage basis, as the S&P 500 ® Index whenthe Index rises on a given day. Conversely, its net asset value should lose approximately twiceas much, on a percentage basis, as the Index when the Index declines on a given day. Prior toMay 1, 2003, ProFund VP UltraBull was named "ProFund VP Bull Plus" and sought dailyinvestment results that corresponded to one and one-half times the daily performance of theS&P 500 ® IndexProFund AdvisorsLLCProFund AdvisorsLLCProFund AdvisorsLLCContract described herein is no longer available for sale.26