We hope you find this guide useful and informative. Education is an integral part of helping people build strong financial futures for themselves and for their families. Prudential Financial is committed to education as a service to investors as well as the larger community. In fact, support for education is a major focus of Prudential Community Resources, which coordinates grants, social investments, employee voluntarism, and strategic partnerships toward the goal of building more productive, self-sufficient towns and cities nationwide.

Annuities are not FDIC-insured, not bank-guaranteed, and may lose value.

Variable annuities are sold by prospectus only. Annuities have limitations, including surrender charges. The prospectus contains complete information, including risks, charges, and expenses. For complete details of coverage, and a current prospectus, contact your licensed financial professional. Please read the prospectus carefully before you invest or send money.

This guide is provided by The Prudential Insurance Company of America, 751 Broad Street, Newark, NJ 07102-3777.

Neither Prudential nor its affiliates give tax or legal advice. You should consult your tax or legal adviser before making any tax-related investment decisions. Securities products and services are distributed by Prudential Investment Management Services LLC (PIMS), Three Gateway Center, 14th Floor, Newark, NJ, 07102-4077, member SIPC. The Prudential Insurance Company of America and PIMS are Prudential Financial companies. Each is solely responsible for its own financial condition and contractual obligations. Prudential Financial is a service mark of The Prudential Insurance Company of America, Newark, NJ, and its affiliates.

IFS-AO35245

Ed. 05/01/2002