XTra Credit FOUR - Prudential Annuities

• the Annuity contract will be continued in the Owner’s name, for the benefit of the Beneficiary.• the Account Value will be equal to any Death Benefit (including any optional Death Benefit) that would have beenpayable to the Beneficiary if they had taken a lump sum distribution.• the Beneficiary may request transfers among Sub-accounts, subject to the same limitations and restrictions that applied tothe Owner. NOTE: The Sub-accounts offered under the IRA Beneficiary Continuation option may be limited.• no additional Purchase Payments can be applied to the Annuity.• the basic Death Benefit and any optional Death Benefits elected by the Owner will no longer apply to the Beneficiary.• the Beneficiary can request a withdrawal of all or a portion of the Account Value at any time without application of aCDSC.• upon the death of the Beneficiary, any remaining Account Value will be paid in a lump sum to the person(s) named bythe Beneficiary.• all amounts in the Annuity must be paid out to the Beneficiary according to the Minimum Distribution rules describedabove.Please contact American Skandia for additional information on the availability, restrictions and limitations that will apply to aBeneficiary under the IRA Beneficiary Continuation option.Are there any exceptions to these rules for paying the Death Benefit?Yes, there are exceptions that apply no matter how your Death Benefit is calculated. There are exceptions to the Death Benefit if thedecedent was not the Owner or Annuitant as of the Issue Date and did not become the Owner or Annuitant due to the prior Owner’s orAnnuitant’s death. Any Death Benefit (including either optional Death Benefit) that applies will be suspended for a two-year periodfrom the date he or she first became Owner or Annuitant. After the two-year suspension period is completed, the Death Benefit is thesame as if this person had been an Owner or Annuitant on the Issue Date.When do you determine the Death Benefit?We determine the amount of the Death Benefit as of the date we receive "due proof of death", any instructions we require to determinethe method of payment and any other written representations we require to determine the proper payment of the Death Benefit to allBeneficiaries. "Due proof of death" may include a certified copy of a death certificate, a certified copy of a decree of a court ofcompetent jurisdiction as to the finding of death or other satisfactory proof of death. Upon our receipt of "due proof of death" weautomatically transfer the Death Benefit to the AST Money Market Sub-account until we further determine the universe of eligibleBeneficiaries. Once the universe of eligible Beneficiaries has been determined each eligible Beneficiary may allocate his or hereligible share of the Death Benefit to the Sub-accounts according to our rules.Each Beneficiary must make an election as to the method they wish to receive their portion of the Death Benefit. Absent an electionof a Death Benefit payment method, no Death Benefit can be paid to the Beneficiary. We may require written acknowledgment of allnamed Beneficiaries before we can pay the Death Benefit. During the period from the date of death until we receive all requiredpaper work, the amount of the Death Benefit may be subject to market fluctuations.VALUING YOUR INVESTMENTHOW IS MY ACCOUNT VALUE DETERMINED?During the accumulation period, the Annuity has an Account Value. The Account Value is determined separately for each Subaccountallocation and for each Fixed Allocation. The Account Value is the sum of the values of each Sub-account allocation and thevalue of each Fixed Allocation. The Account Value does not reflect any CDSC that may apply to a withdrawal or surrender. TheAccount Value includes any Credits we applied to your Purchase Payments that we are entitled to recover under certain circumstances.When determining the Account Value on any day other than 30 days prior to a Fixed Allocation’s Maturity Date, the Account Valuemay include any Market Value Adjustment that would apply to a Fixed Allocation (if withdrawn or transferred) on that day.WHAT IS THE SURRENDER VALUE OF MY ANNUITY?The Surrender Value of your Annuity is the value available to you on any day during the accumulation period. The Surrender Value isequal to your Account Value minus any CDSC, the Annual Maintenance Fee and the charge for any optional benefits. The SurrenderValue will also include any Market Value Adjustment that may apply.Contract described herein is no longer available for sale.HOW AND WHEN DO YOU VALUE THE SUB-ACCOUNTS?When you allocate Account Value to a Sub-account, you are purchasing units of the Sub-account. Each Sub-account investsexclusively in shares of an underlying Portfolio. The value of the Units fluctuates with the market fluctuations of the Portfolios. Thevalue of the Units also reflects the daily accrual for the Insurance Charge and if you elected one or more optional benefits whoseannual charge is deducted daily, the additional charge made for such benefits. There may be several different Unit Prices for eachSub-account to reflect the Insurance Charge and the charges for any optional benefits. The Unit Price for the Units you purchase willbe based on the total charges for the benefits that apply to your Annuity. See the section entitled "What Happens to My Units When50