XTra Credit FOUR - Prudential Annuities

MANAGING YOUR ANNUITYMAY I CHANGE THE OWNER, ANNUITANT AND BENEFICIARY DESIGNATIONS?You may change the Owner, Annuitant and Beneficiary designations by sending us a request in writing. Where allowed by law, suchchanges will be subject to our acceptance. Some of the changes we will not accept include, but are not limited to:• a new Owner subsequent to the death of the Owner or the first of any joint Owners to die, except where a spouse-Beneficiary hasbecome the Owner as a result of an Owner's death;• a new Annuitant subsequent to the Annuity Date;• for "non-qualified" investments, a new Annuitant prior to the Annuity Date if the Annuity is owned by an entity; and• a change in Beneficiary if the Owner had previously made the designation irrevocable.Spousal Owners/Spousal BeneficiariesIf an Annuity is co-owned by spouses, we will assume that the sole primary Beneficiary is the surviving spouse unless you elect analternative Beneficiary designation. Unless you elect an alternative Beneficiary designation, upon the death of either spousal Owner,the surviving spouse may elect to assume ownership of the Annuity instead of taking the Death Benefit payment. The Death Benefitthat would have been payable will be the new Account Value of the Annuity as of the date of due proof of death and any requiredproof of a spousal relationship. As of the date the assumption is effective, the surviving spouse will have all the rights and benefitsthat would be available under the Annuity to a new purchaser of the same attained age. For purposes of determining any future DeathBenefit for the beneficiary of the surviving spouse, the new Account Value will be considered as the initial Purchase Payment. NoCDSC will apply to the new Account Value. However, any additional Purchase Payments applied after the date the assumption iseffective will be subject to all provisions of the Annuity, including the CDSC when applicable.Spousal Contingent AnnuitantIf the Annuity is owned by an entity and the surviving spouse is named as a Contingent Annuitant, upon the death of the Annuitant,the surviving spouse will become the Annuitant. No Death Benefit is payable upon the death of the Annuitant. However, theAccount Value of the Annuity as of the date of due proof of death of the Annuitant (and any required proof of the spousal relationship)will reflect the amount that would have been payable had a Death Benefit been paid.MAY I RETURN THE ANNUITY IF I CHANGE MY MIND?If after purchasing your Annuity you change your mind and decide that you do not want it, you may return it to us within a certainperiod of time known as a right to cancel period. This is often referred to as a "free-look." Depending on the state in which youpurchased your Annuity and, in some states, if you purchased the Annuity as a replacement for a prior contract, the right to cancelperiod may be ten (10) days, twenty-one (21) days or longer, measured from the time that you received your Annuity. If you returnyour Annuity during the applicable period, we will refund your current Account Value plus any tax charge deducted. This amountmay be higher or lower than your original Purchase Payment. Where required by law, we will return your current Account Value orthe amount of your initial Purchase Payment, whichever is greater. The same rules may apply to an Annuity that is purchased as anIRA. In any situation where we are required to return the greater of your Purchase Payment or Account Value, we may allocate yourAccount Value to the AST Money Market Sub-account during the right to cancel period and for a reasonable additional amount oftime to allow for delivery of your Annuity. If you return your Annuity, we will not return any Credits we applied to your Annuitybased on your Purchase Payments.MAY I MAKE ADDITIONAL PURCHASE PAYMENTS?The minimum amount that we accept as an additional Purchase Payment is $100 unless you participate in American Skandia’sSystematic Investment Plan or a periodic purchase payment program. We will allocate any additional Purchase Payments you makeaccording to your most recent allocation instructions, unless you request new allocations when you submit a new Purchase Payment.Additional Purchase Payments may be paid at any time before the Annuity Date as long as the oldest Owner or Annuitant (if theAnnuity is entity owned) is not over age 80.MAY I MAKE SCHEDULED PAYMENTS DIRECTLY FROM MY BANK ACCOUNT?You can make additional Purchase Payments to your Annuity by authorizing us to deduct money directly from your bank account andapplying it to your Annuity. This type of program is often called "bank drafting". We call our bank drafting program "AmericanSkandia's Systematic Investment Plan." Purchase Payments made through bank drafting may only be allocated to the variableinvestment options when applied. Bank drafting allows you to invest in your Annuity with a lower initial Purchase Payment, as longas you authorize payments that will equal at least $1,000 during the first 12 months of your Annuity. We may suspend or cancel bankdrafting privileges if sufficient funds are not available from the applicable financial institution on any date that a transaction isscheduled to occur.Contract described herein is no longer available for sale.30