XTra Credit FOUR - Prudential Annuities

We reserve the right to limit the number of transfers in any Annuity Year for all existing or new Owners. We also reserve the right tolimit the number of transfers in any Annuity Year or to refuse any transfer request for an Owner or certain Owners if: (a) we believethat excessive trading or a specific transfer request or group of transfer requests may have a detrimental effect on Unit Values or theshare prices of the Portfolios; or (b) we are informed by one or more of the Portfolios that the purchase or redemption of shares mustbe restricted because of excessive trading or a specific transfer or group of transfers is deemed to have a detrimental effect on theshare prices of affected Portfolios. Without limiting the above, the most likely scenario where either of the above could occur wouldbe if the aggregate amount of a trade or trades represented a relatively large proportion of the total assets of a particular Portfolio.Under such a circumstance, we will process transfers according to our rules then in effect and provide notice if the transfer requestwas denied. If a transfer request is denied, a new transfer request may be required.DO YOU OFFER DOLLAR COST AVERAGING?Yes. We offer Dollar Cost Averaging during the accumulation period. Dollar Cost Averaging allows you to systematically transfer anamount each month from one investment option to one or more other investment options. You can choose to transfer earnings only,principal plus earnings or a flat dollar amount. Dollar Cost Averaging allows you to invest regularly each month, regardless of thecurrent unit value (or price) of the Sub-account(s) you invest in. This enables you to purchase more units when the market price islow and fewer units when the market price is high. This may result in a lower average cost of units over time. However, there is noguarantee that Dollar Cost Averaging will result in a profit or protect against a loss in a declining market. We do not deduct a chargefor participating in a Dollar Cost Averaging program.You must have a minimum Account Value of at least $10,000 to enroll in a Dollar Cost Averaging program.You can Dollar Cost Average from variable investment options or Fixed Allocations. Dollar Cost Averaging from Fixed Allocationsis subject to a number of rules that include, but are not limited to the following:• You may only use Fixed Allocations with Guarantee Periods of 1, 2 or 3 years.• You may only Dollar Cost Average earnings or principal plus earnings. If transferring principal plus earnings, the program mustbe designed to last the entire Guarantee Period for the Fixed Allocation.• Dollar Cost Averaging transfers from Fixed Allocations are not subject to a Market Value Adjustment.NOTE: When a Dollar Cost Averaging program is established from a Fixed Allocation, the fixed rate of interest we credit to yourAccount Value is applied to a declining balance due to the transfers of Account Value to the Sub-accounts during the GuaranteePeriod. This will reduce the effective rate of return on the Fixed Allocation over the Guarantee Period.DO YOU OFFER ANY AUTOMATIC REBALANCING PROGRAMS?Yes. During the accumulation period, we offer automatic rebalancing among the variable investment options you choose. You canchoose to have your Account Value rebalanced quarterly, semi-annually, or annually. On the appropriate date, your variableinvestment options are rebalanced to the allocation percentages you request. For example, over time the performance of the variableinvestment options will differ, causing your percentage allocations to shift. With automatic rebalancing, we transfer the appropriateamount from the "overweighted" Sub-accounts to the "underweighted" Sub-accounts to return your allocations to the percentages yourequest. If you request a transfer from or into any variable investment option participating in the automatic rebalancing program, wewill assume that you wish to change your rebalancing percentages as well, and will automatically adjust the rebalancing percentages inaccordance with the transfer unless we receive alternate instructions from you.You must have a minimum Account Value of at least $10,000 to enroll in automatic rebalancing. All rebalancing transfers made onthe same day as part of an automatic rebalancing program are considered as one transfer when counting the number of transfers eachyear toward the maximum number of free transfers. We do not deduct a charge for participating in an automatic rebalancing program.DO YOU OFFER ANY ASSET ALLOCATION PROGRAMS?Yes. During the accumulation period, we offer two different asset allocation programs designed for American Skandia byMorningstar Associates, LLC. Each program is available to Annuity Owners at no additional charge. Each program is designed as atool to enable you and your investment professional to develop an asset allocation program that is appropriate for you. Yourinvestment professional will help you to complete an investor questionnaire that will help you and your investment professional todetermine whether participating in a program is appropriate for you and to determine your investment style from which you canchoose the available model portfolios. We offer one program where you and your investment professional choose from the availableSub-accounts for each asset class in the model portfolio you have chosen based on your answers to the questionnaire. You maychange your selected Sub-accounts at any time. We offer a second program where the Sub-accounts for each asset class in each modelportfolio are designated based on an objective evaluation of the available Sub-accounts. If you elect the second program, the selectedSub-accounts within a model portfolio may change periodically. Under both programs, assets allocated to the program are rebalancedon a periodic basis based on suggested changes to the allocation percentages for an asset class within a model portfolio or based onContract described herein is no longer available for sale.34