Highest Daily Lifetime Seven SM Spousal Highest Daily Lifetime Seven SM

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1 Optioal Icome beefits Highest Daily Lifetime Seve SM Spousal Highest Daily Lifetime Seve SM Daily Opportuities to Capture Greater Lifetime Icome HD Lifetime Seve ad Spousal HD Lifetime Seve Offer:» Miimum 5% INCOME STREAM Guarateed EVERY YEAR FOR LIFE, WITH NO ANNUITIZATION REQUIRED» 7% ANNUAL COMPOUNDED GROWTH ON THE HIGHEST DAILY ACCOUNT VALUE (SEE DETAILS INSIDE)» 100% FLEXIBILITY ON HOW AND WHEN YOU TAKE icome HD Lifetime Seve ad Spousal HD Lifetime Seve may ot be available i all states. HD Lifetime Seve ad Spousal HD Lifetime Seve are offered uder variable auities issued by Prudetial Auities Life Assurace Corporatio. This material must be accompaied by a variable auity brochure ad the product s curret prospectus. IFS-A ED 01/08

2 A variable auity is a ivestmet desiged to help you save for retiremet. A auity ca help you maage ivestmet risks i may ways, icludig the ability to ivest i equities, fixed icome ad other securities through a broad rage of professioally maaged ivestmet optios. A auity also provides paymet optios to meet your icome eeds ad a guarateed death beefit for your beeficiaries. Variable auities offer optioal beefits which, for a additioal fee, ca help you avoid the risk of outlivig your retiremet icome ad protect your retiremet savigs from market dowturs. Oly Prudetial Auities SM offers a suite of optioal beefits that ca capture your auity s highest daily value o the road to securig your retiremet goals. Every Day Couts With HD Lifetime Seve ad Spousal HD Lifetime Seve, you (or you ad your spouse) are guarateed a miimum of 5% lifetime icome, o matter what type of market coditios you experiece durig retiremet. Upside opportuity for up to 10 years... Your guarateed lifetime icome is based o 7% compouded growth of your auity s highest daily value Guarateed protectio after 10 years... Your guarateed lifetime icome is based o at least double your accout value at the time of beefit electio, provided o withdrawals are take Your purchase paymets will be protected with a Retur of Pricipal Guaratee (see details o page 9) Greater Icome Potetial... You ca receive lifetime icome of up to 8%, depedig o your age at first withdrawal (see details o page 2) You may have the opportuity to icrease your aual icome, based o your auity s performace, oce you begi takig withdrawals Prudetial Auities The Highest Daily Compay sm While auitizatio is ot required to receive icome uder these beefits, there is a maximum date by which auity paymets must begi uder the terms of the auity. 1

3 Before Icome Begis Your icome amout is automatically based o a amout we call the Protected Withdrawal Value, which will be the greatest of: The highest value determied by comparig every daily accout value growig at a aual 7% compouded rate of retur, for the first 10 years from beefit electio or util first withdrawal, if sooer. 200% of the accout value at the time of beefit electio, assumig o withdrawals for the first 10 years from beefit electio. The accout value at the time of first withdrawal. Whe Icome Begis Your guarateed lifetime paymets will rage from 5% to 8% of your Protected Withdrawal Value, with the potetial for future icreases. At First Withdrawal If the adage holds true that thigs get better with age, the HD Lifetime Seve ad Spousal HD Lifetime Seve are o exceptio. Depedig upo your age at first withdrawal, both beefits offer you lifetime paymets of up to 8% of your Protected Withdrawal Value. Please refer to the chart o the right for the specific ages ad withdrawal percetages. After Icome Begis After you begi takig icome, HD Lifetime Seve ad Spousal HD Lifetime Seve have a iovative feature that ca lock i the growth of your accout value, which could lead to a icrease i your aual icome. Your ew icome amout will be based o your quarterversary value, which is the highest accout value reached i ay oe of the previous four quarters of the year. Receive a higher icome amout based o your age at first withdrawal... HD Lifetime Seve Auitat s age at first withdrawal Icome Percetage % % % 85+ 8% Spousal HD Lifetime Seve Age of yougest spouse Icome at first withdrawal Percetage 59 1 /2-79 5% % % 90+ 8% The Protected Withdrawal Value is oly available through withdrawals. It is ot available as cash or a lump sum. Guaratees are backed by the claims-payig ability of the issuig compay. Withdrawals are subject to all the terms ad coditios of your auity cotract, icludig ay charges that may apply (see details o page 10). 2

4 HD Lifetime Seve Case Study Jim, age 55, purchases a variable auity ad elects the optioal HD Lifetime Seve beefit, for a additioal fee of 0.60%. He plas to begi takig icome after te years. Jim s auity reaches its highest daily value durig the fourth auity year. This value the grows at a aual compouded 7% rate, becomig the basis for Jim s lifetime icome o the day he takes his first withdrawal. HD Lifetime Seve guaratees Jim ca take aual lifetime withdrawals of $29,000, based o $580,005, his auity s highest daily value grow at a aual compouded 7% rate. 7% ANNUAL COMPOUNDED GROWTH ON THE DAILY ACCOUNT VALUE ACCOUNT VALUE $580,005 $500,000 A C $436,619 B AVERAGE ANNUAL RETURN INITIAL PURCHASE PAYMENT $250,000 0% RETURN SCENARIO (ASSUMING NO WITHDRAWALS) $250,000 C $175,491 E D $0 YEARS Hypothetical gross rate of retur % 14.02% 20.40% 9.14% -4.95% -3.09% 18.57% 9.92% 15.33% 5.41% The hypothetical illustratio icludes the followig assumptios: (i) Portfolio expese of 1.12%, (which reflects the most expesive asset allocatio portfolio available for ivestmet i cojuctio with HD Lifetime Seve); (ii) HD Lifetime Seve charge of 0.60%, assessed agaist the Protected Withdrawal Value; (iii) Isurace charges of 1.65%, (which reflect the most expesive Advaced Series variable auity); (iv) AST Ivestmet Grade Bod Portfolio expese of 0.80%; (v) Assumed average aual retur of 9.5% ad bod retur of 5.64%; (vi) The 0% Retur sceario reflects the same charges as detailed above. Other auity products ad ivestmet optios may cotai differet expeses. Hece, the values illustrated would be differet. Beefit rules ad restrictios may apply, please see the prospectus for complete details. Guaratees are backed by the claims-payig ability of the issuig compay. Please ote, HD Lifetime Seve may ot be available i all states. The Retur of Pricipal Guaratee is ot available i the state of Washigto. 3

5 I This Case Study... Jim s guarateed aual lifetime icome of $29,000 is based o his Highest Daily Value grow at 7%, which is $580,005 A. This value provides him with a basis for lifetime icome that s more tha $140,000 greater tha his accout value of $436,619 B. HD Lifetime Seve offers two additioal protectios for ivestors, like Jim, who wait 10 years before takig withdrawals C : A guarateed miimum lifetime icome based o at least double the accout value o beefit electio $500,000 i this example A Retur of Pricipal Guaratee - $250,000 i this example (see page 9 for complete details) AST Ivestmet Grade Bod Portfolio Activity Detail (variable sceario): I the variable sceario D, Jim s auity experieced positive performace for the first four years. HD Lifetime Seve s mathematical model determied that o trasfers eeded to be made to the AST Ivestmet Grade Bod Portfolio Due to egative ivestmet performace, Jim s accout value declied, promptig the model to begi trasferrig accout value to the AST Ivestmet Grade Bod Portfolio i the first moth of the sixth year I the twelfth moth of the sixth year, the AST Ivestmet Grade Bod Portfolio reached its highest allocatio of forty percet. The, due to positive performace, the model bega to trasfer accout value out of the AST Ivestmet Grade Bod Portfolio ad back ito the asset allocatio portfolio By the third moth of the eighth year, Jim s accout value is oe-hudred percet ivested i the asset allocatio portfolio AST Ivestmet Grade Bod Portfolio Activity Detail (0% sceario): The 0% retur sceario E assumes that both the asset allocatio portfolio Jim selected as well as the AST Ivestmet Grade Bod Portfolio retured 0% for the etire 10-year period ad o withdrawals were take His accout value declied over time as a result of the fees (as detailed uder the chart) ad moved further from his Protected Withdrawal Value (which grew at a 7% aual compouded rate of retur) I the secod year, HD Lifetime Seve bega to move accout value to the AST Ivestmet Grade Bod Portfolio i a effort to maage Jim s icome guaratee I this sceario, by the ed of the secod year, Jim has a thirty-ie percet allocatio to the AST Ivestmet Grade Bod Portfolio. By the ith moth of the fourth year, all of the accout value has bee allocated to the AST Ivestmet Grade Bod Portfolio For more details o the AST Ivestmet Grade Bod Portfolio see page 9. 4

6 Spousal HD Lifetime Seve Case Study A ad Vicet, a married couple, both age 62, purchase a variable auity with the optioal Spousal HD Lifetime Seve beefit, for a additioal fee of 0.75%. The couple plas to begi takig withdrawals after 10 years, to help supplemet their icome i retiremet. A ad Vicet are guarateed aual lifetime withdrawals of $27,008, which are based o $540,168. Whe Vicet passes away, A cotiues to receive the guarateed lifetime icome. 7% ANNUAL COMPOUNDED GROWTH ON THE DAILY ACCOUNT VALUE ACCOUNT VALUE RETURN OF PRINCIPAL GUARANTEE MINIMUM BASIS FOR LIFETIME INCOME B $540,168 GUARANTEED ANNUAL LIFETIME INCOME OF $27,008/YEAR BEGINS $500,000 A INITIAL PURCHASE PAYMENT $250,000 AVERAGE ANNUAL RETURN $250,000 $360,001 C 0% RETURN SCENARIO (ASSUMING NO WITHDRAWALS) $133,780 E D $0 YEARS Hypothetical gross rate of retur % 11.60% 9.61% 7.88% -7.56% 15.61% -3.17% 16.83% 12.93% 9.82% 12.33% 8.52% 10.33% 10.14% 13.19% The hypothetical illustratio icludes the followig assumptios: (i) Portfolio expese of 1.12%, (which reflects the most expesive asset allocatio portfolio available for ivestmet i cojuctio with Spousal HD Lifetime Seve); (ii) Spousal HD Lifetime Seve charge of 0.75%, assessed agaist the Protected Withdrawal Value; (iii) Isurace charges of 1.65%, (which reflect the most expesive Advaced Series variable auity); (iv) AST Ivestmet Grade Bod Portfolio expese of 0.80%; (v) Assumed average aual retur of 9.5% ad bod retur of 5.99%; (vi) The 0% Retur sceario reflects the same charges as detailed above; (vii) Assumes A ad Vicet are a married couple upo Vicet s death. Other auity products ad ivestmet optios may cotai differet expeses. Hece, the values illustrated would be differet. Beefit rules ad restrictios may apply, please see the prospectus for complete details. Guaratees are backed by the claims-payig ability of the issuig compay. Please ote, Spousal HD Lifetime Seve may ot be available i all states. The Retur of Pricipal Guaratee is ot available i the state of Washigto. 5

7 I This Case Study... A ad Vicet s guarateed aual lifetime icome of $27,008 A is based o their Highest Daily Value grow at 7%, $540,168 B. Whe Vicet passes away i the fifteeth year, A elects to cotiue the aual icome of $27,008 ad will receive it, without iterruptio, util she passes away. Whe A assumes the auity, the couple has already received $135,040 i cumulative icome. Additioally, she retais cotrol of the accout value which, due to positive performace is $360,001 C. AST Ivestmet Grade Bod Portfolio (variable sceario): I the variable sceario D, A ad Vicet s auity stepped up may times i the first three years resultig i a lock i of the highest daily value i the eighth moth of the third year Their auity the experieced a period of volatility. As a result, the model bega to trasfer accout value to the AST Ivestmet Grade Bod Portfolio i a effort to maage their icome guaratee I the twelfth moth of the seveth year, the balace o the AST Ivestmet Grade Bod Portfolio reached a peak of forty-oe percet of the total accout value. It s importat to ote that durig this period of market volatility, their basis for lifetime icome cotiued to grow at a aual compouded 7% rate I the ith ad teth years, the couple s auity experieced positive performace ad Spousal HD Lifetime Seve bega trasferrig accout value back ito the Asset Allocatio Portfolio. By the fifteeth year, the accout value is oe-hudred percet ivested i the Asset Allocatio Portfolio AST Ivestmet Grade Bod Portfolio (0% sceario): The 0% retur sceario E assumes that both the asset allocatio portfolio A ad Vicet selected as well as the AST Ivestmet Grade Bod Portfolio retured 0% for the etire 15-year period ad o withdrawals were take The accout value declied over time as a result of the fees (as detailed uder the chart), ad moved further from the Protected Withdrawal Value (which grew at a 7% aual compouded rate) I the secod year, Spousal HD Lifetime Seve bega to move accout value to the AST Ivestmet Grade Bod Portfolio i a effort to maage the icome guaratee I this sceario, by the ed of the secod year, there was a thirty-ie percet allocatio to the AST Ivestmet Grade Bod Portfolio. By the eighth moth of the fourth year, all of the accout value has bee allocated to the AST Ivestmet Grade Bod Portfolio For more details o the AST Ivestmet Grade Bod Portfolio see page 9. 6

8 After Icome Begis Potetial Icreases HD Lifetime Seve ad Spousal HD Lifetime Seve provide you with opportuities to automatically lock i a pay raise i retiremet after withdrawals begi. O each cotract aiversary, the beefits will look back at the accout values for the previous four quarters ad multiply the highest quarterly value by the withdrawal percetage applicable to your curret age. If this value is greater tha your curret Aual Icome Amout, it will be locked i ad you ca elect to receive a greater withdrawal amout goig forward. ACCOUNT VALUE HIGHEST QUARTERLY VALUE MULTIPLIED BY AGE BASED WITHDRAWAL PERCENTAGE HIGHER ANNUAL INCOME AMOUNT IS LOCKED IN QUARTERS Q1 Q2 Q3 Q4 This hypothetical example is for illustrative purposes oly ad is ot meat to represet the performace of ay specific auity. If this were a actual example, various costs would be factored ito the gross retur, icludig aual isurace charges of the auity, aual cotract charges, ay applicable distributio charges, ivestmet maagemet fees of the variable subaccouts, the cost for ay optioal features, ad ay other applicable fees. Please read the prospectus carefully for descriptios of the uderlyig costs. Guaratees are backed by the claims-payig ability of the issuig compay. Additioally, it s possible to lock i a greater lifetime icome, after withdrawals begi, eve if your accout value has declied. For example: A ivestor, age 74, is curretly receivig a 5% aual icome of $25,000 based o a Highest Quarterly Value lock-i of $500,000. Over time, her accout value declies ad the curret Highest Quarterly Value of $450,000 does ot exceed her previous lock-i. However, upo turig 75, a withdrawal percetage of 6% will apply, makig her ew Aual Icome Amout $27,000/year ($450,000 x 6%). 7

9 Maagig Market Volatility o the Road to Guarateed Lifetime Icome Dealig with volatile markets is a atural part of ivestig. A challege for may ivestors is to stay o track with their log-term retiremet icome pla through periods of market ucertaity. HD Lifetime Seve ad Spousal HD Lifetime Seve ca help you overcome that challege by offerig a strategy that ot oly provides guarateed lifetime icome, but also helps to cushio your auity s accout value durig periods of market volatility. This strategy helps you weather ucertai markets keepig you o track toward your log-term retiremet icome goals. The beefits use a proprietary risk maagemet model to help maage your guaratee through all market cycles. Each busiess day, the model aalyzes two primary factors fluctuatios i your accout value ad a projected icome amout. The, based o a predetermied mathematical formula, the model determies if your accout value must be trasferred to or from the AST Ivestmet Grade Bod Portfolio. The model, which was built o Prudetial s extesive kowledge ad experiece i maagig risk, helps esure your icome will be there whe you eed it. Research has prove that ivestor behavior ca play a sigificat role i reducig the log-term performace of their portfolio. The chart below demostrates that the average equity ivestor uderperformed the S&P 500 substatially over the past 20 years. Equity Ivestors Performace Retur for 20 years / % 12% 9% 6% 3% 3.9% 11.9% You re ot aloe 0% Average Ivestor Returs S&P 500 Buy ad Hold 85% of ivestors are more likely to stay ivested despite short-term market volatility if they have a ivestmet product that guaratees lifetime icome. If you have amouts ivested i the AST Ivestmet Grade Bod Portfolio, it may affect your ability to participate i a subsequet market recovery. Higher balaces i the AST Ivestmet Grade Bod Portfolio are more likely to occur durig periods of market declie that affect your accout value as the beefit ears a guaratee date. Source: Dalbar, Ic., Quatitative Aalysis of Ivestor Behavior Dalbar defies the average ivestor as the uiverse of all mutual fud ivestors whose actios ad fiacial results are restated to represet a sigle ivestor. The study calculates the Average Ivestor Retur as the chage i assets, after excludig sales, redemptios ad exchages. This calculatio captures realized ad urealized capital gais, divideds, iterest, tradig costs, sales charges, fees, expeses ad ay other costs. The total ivestor retur rate is determied by calculatig the ivestor retur dollars as a percetage of the et sales, redemptios ad exchages for the period. A ivestor caot ivest directly i a idex. The example does ot reflect the effects of fees ad charges. Whe fees ad charges are applied, actual earigs will be lower. Past performace is ot idicative of future results. This is a hypothetical example of log-term ivestig ad is ot iteded to reflect the actual performace of ay specific ivestmet vehicle or is it a estimate or guaratee of future value. 8

10 At a Glace What Else Do You Need to Kow? ANNUAL Cost HD Lifetime Seve: 0.60% Spousal HD Lifetime Seve: 0.75% Beefit charges are assessed quarterly agaist the Protected Withdrawal Value (adjusted for withdrawals ad premiums) o the last day of the beefit quarter. Fees will be take pro-rata across all subaccouts, icludig the AST Ivestmet Grade Bod Portfolio, if applicable. Please ote that upo step-up, the fees may be differet. (Please refer to the prospectus for complete details.) Issue Ages Miimum HD Lifetime Seve: 55 (auitat) Spousal HD Lifetime Seve: 59 1 / 2 (both spouses) Maximum HD Lifetime Seve ad Spousal HD Lifetime Seve: Subject to the auity product chose ad may vary by broker/dealer. ELECTION OPTIONS You ca elect either HD Lifetime Seve or Spousal HD Lifetime Seve at ay time. If cacelled, you may oly re-elect HD Lifetime Seve or Spousal HD Lifetime Seve o a cotract aiversary that is at least 90 caledar days followig the cacellatio. The Retur of Pricipal Guaratee provides you with a added level of protectio. If upo the 10th beefit aiversary you have ot take ay withdrawals ad your curret accout value is less tha the Pricipal Value, we will credit the differece directly ito your auity s accout value. The Pricipal Value is defied as the accout value o the date of beefit electio plus ay additioal purchase paymets ad applicable credits received withi oe year from beefit electio. The Retur of Pricipal Guaratee is ot available i the state of Washigto. Example: You purchase a auity today for $100,000. No withdrawals are take, but after 10 years the accout value has falle to $95,000. O the 10th beefit aiversary, $5,000 will be credited to your auity. Ay such additioal amout will ot icrease your Protected Withdrawal Value, your death beefit, or the amout of ay other optioal beefit that you may have selected. Ca you tell me about my ivestmet optios? You must ivest i oe or more of the available asset allocatio portfolios. These portfolios are a easy, coveiet way to access a variety of equities, bods ad other securities through professioally maaged ivestmet optios. These portfolios also simplify your ivestmet choices ad seek to obtai the highest potetial total retur cosistet with a specified level of risk. For a list of available asset allocatio portfolios, please refer to the Maage Your Assets brochure. Ivestmets outside these available portfolios are ot permitted. Optioal beefits may ot be available with all asset allocatio portfolios. Please refer to your product prospectus or fiacial professioal for details. Ca you tell me about the AST Ivestmet Grade Bod Portfolio? The AST Ivestmet Grade Bod Portfolio will ivest i a diversified portfolio of high-quality bods ad other securities ad istrumets. Although it may ivest i idividual bods of ay maturity, the average duratio is expected to be withi six moths of the Lehma Brothers U.S. Govermet/Credit (5-10 Year) Idex, the subaccouts primary bechmark. 9

11 The subaccout curretly iteds to maitai a weighted average credit quality ratig of A- or better. If a portio of your accout value is trasferred either to or from the AST Ivestmet Grade Bod Portfolio, you will receive a cofirmatio statemet idicatig the trasfer. How do additioal purchase paymets ad withdrawals affect HD Lifetime Seve ad Spousal HD Lifetime Seve? Prior to your first withdrawal, additioal purchase paymets will icrease the Protected Withdrawal Value dollar-fordollar by the amout of the purchase paymet. After your first withdrawal, additioal purchase paymets will icrease the Aual Icome Amout by the icome percetage established at the time of your first withdrawal or the most recet step-up, if applicable. Withdrawals are take o a pro rata basis ad reduce the Protected Withdrawal Value dollar-for-dollar for aual withdrawals less tha or equal to your Aual Icome Amout. Withdrawals of taxable amouts will be subject to ordiary icome tax ad, if prior to age 59 1 /2, may be subject to a 10% federal icome tax pealty. What happes to my beefit if I take a withdrawal that exceeds my curret Aual Icome Amout? For both HD Lifetime Seve ad Spousal HD Lifetime Seve, if a excess withdrawal is take, oly the portio of the withdrawal that exceeds the remaiig Aual Icome Amout will proportioally reduce your Protected Withdrawal Value ad your icome amout for future years. If excess withdrawals reduce your Aual Icome Amout to zero, o further amout would be payable uder HD Lifetime Seve or Spousal HD Lifetime Seve. Additioally, for qualified auities, withdrawals take as a result of a Required Miimum Distributio (RMD) do ot reduce the Aual Icome Amout for future years, eve if they exceed program limits. What beefit iformatio will be reflected o my quarterly accout statemet? Before takig icome: You will see, as of the statemet date, what your Protected Withdrawal Value ad Aual Icome Amout would have bee had you started takig icome. After takig icome: You will see your remaiig Aual Icome Amout for the curret auity year, as well as your future Aual Icome Amout. Additioally, you will be otified if a automatic step-up has occurred. You will the have the optio of icreasig your aual withdrawals based o your ew Aual Icome Amout, by simply callig the phoe umber provided o your statemet. Note that upo step-up, the fee for HD Lifetime Seve or Spousal HD Lifetime Seve may be differet. You will be otified i advace of the ability to opt out of a step-up that would result i a fee icrease. Please see the prospectus for more details. 10

12 Your eeds ad the suitability of a auity product should be carefully cosidered before ivestig. Whe evaluatig your eeds, please cosider other variable auities available from Prudetial Fiacial compaies. This material was prepared to support the promotio ad marketig of variable auities available through Prudetial. Prudetial, its affiliates, its distributors ad their respective represetatives do ot provide tax, accoutig or legal advice. Ay tax statemets cotaied herei were ot iteded or writte to be used, ad caot be used for the purpose of avoidig U.S. federal, state or local tax pealties. Please cosult your ow idepedet advisor as to ay tax, accoutig or legal statemets made herei. Ivestors should cosider the cotract ad the uderlyig portfolios ivestmet objectives, risks, charges ad expeses carefully before ivestig. This ad other importat iformatio is cotaied i the prospectuses, which ca be obtaied from your fiacial professioal. You should read the prospectuses carefully before ivestig. Variable auities are log-term ivestmets desiged for retiremet purposes. Ivestmet retur ad pricipal value of a ivestmet will fluctuate so that a ivestor s uit values, whe redeemed, may be worth more or less tha their origial cost. Withdrawals or surreders may be subject to surreder charges. Withdrawals ad distributios of taxable amouts are subject to ordiary icome tax ad, if made prior to age 59 1 /2, may be subject to a additioal 10% federal icome tax pealty. prudetial fiacial oe corporate drive shelto, coecticut Auity cotracts cotai exclusios, limitatios, reductios of beefits ad terms for keepig them i force. Your licesed fiacial professioal ca provide you with costs ad complete details. HD Lifetime Seve ad Spousal HD Lifetime Seve may ot be available i every state ad may ot be elected i cojuctio with certai optioal beefits. The fees for optioal beefits are i additio to fees ad charges associated with the basic auity. See the prospectus for more detailed iformatio. Guaratees are backed by the claims-payig ability of the issuig compay ad do ot apply to the uderlyig ivestmet optios. Variable auities are issued by Prudetial Auities Life Assurace Corporatio ad distributed by Prudetial Auities Distributors, Ic., Shelto, CT. Both are Prudetial Fiacial compaies ad each is solely resposible for its ow fiacial coditio ad cotractual obligatios. Wachovia Corporatio is the majority ower ad Prudetial Fiacial, idirectly through subsidiaries, is a miority ower of Wachovia Securities, LLC. Prudetial Auities is a busiess uit of Prudetial Fiacial. Prudetial, Prudetial Fiacial, the Rock logo ad the Rock Prudetial logo are registered service marks of the Prudetial Isurace Compay of America ad its affiliates. Issued o riders: RID-HD7(1/08), et al or state variatio thereof. ANNUITIES NOT FDIC OR GOVERNMENT AGENCY INSURED NOT BANK OR CREDIT UNION GUARANTEED MAY LOSE VALUE WO# IFS-A ORD ED 01/08