XTra Credit Premier - Prudential Annuities

The following table provides a summary of the fees and charges you will incur if you elect the following optional benefit. These feesand charges are described in more detail within this Prospectus.YOUR OPTIONAL BENEFIT FEES AND CHARGESOPTIONAL BENEFITOPTIONALBENEFIT FEE/CHARGEGUARANTEED RETURN OPTION0.25% of averageWe offer a program that guarantees a "return of premium" at a future date, while daily net assets ofallowing you to allocate all or a portion of your Account Value to the Sub-accounts of the Sub-accountsyour choice.TOTAL ANNUALCHARGE*Please refer to the section of the Prospectus that describes each optional benefit for a complete description of the benefit,including any restrictions or limitations that may apply.* The Total Annual Charge includes the Insurance Charge assessed against the Annuity.The following table provides the range (minimum and maximum) of the total annual expenses for the underlying mutual funds("Portfolios") as of December 31, 2002. Each figure is stated as a percentage of the underlying Portfolio’s average daily net assets.TOTAL ANNUAL PORTFOLIO OPERATING EXPENSESMINIMUMMAXIMUMTotal Portfolio Operating Expense 0.14% * 3.14%* The minimum total annual portfolio operating expenses are those of a Portfolio that may invest in mutual funds, which also charge their own operating expenses.Thus, the total annual portfolio operating expenses may be higher than indicated.The following are the investment management fees, other expenses, 12b-1 fees (if applicable), and the total annual expenses for eachunderlying mutual fund ("Portfolio") as of December 31, 2002, except as noted. Each figure is stated as a percentage of theunderlying Portfolio’s average daily net assets. For certain of the underlying Portfolios, a portion of the management fee is beingwaived and/or other expenses are being partially reimbursed. "N/A" indicates that no portion of the management fee and/or otherexpenses is being waived and/or reimbursed. The "Net Annual Portfolio Operating Expenses" reflect the combination of theunderlying Portfolio's investment management fee, other expenses and any 12b-1 fees, net of any fee waivers and expensereimbursements. The following expenses are deducted by the underlying Portfolio before it provides American Skandia with the dailynet asset value. Any footnotes about expenses appear after the list of all the Portfolios. The underlying Portfolio information wasprovided by the underlying mutual funds and has not been independently verified by us. See the prospectuses or statements ofadditional information of the underlying Portfolios for further details. The current prospectus and statement of additional informationfor the underlying Portfolios can be obtained by calling 1-800-766-4530.1.65%Contract described herein is no longer available for sale.8