Common use of VARIABLE INVESTMENT OPTIONS Clause in Contracts

VARIABLE INVESTMENT OPTIONS. The following variable investment options are available through allocation to subaccounts of the Pruco Life of New Jersey Flexible Premium Variable Annuity Account. We reserve the right to limit the availability of the below options, if necessary, in order to comply with federal, state or local law. [THE PRUDENTIAL SERIES FUND, INC. Prudential Equity Portfolio Prudential Global Portfolio Prudential Jennison Portfolio Prudential Money Market Portfolio Prudential Xxxxx Xndex Portfolio Prudential Value Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM Core Equity Portfolio SP Alliance Large Cap Growth Portfolio SP Alliance Technology Portfolio SP Balanced Asset Allocation Portfolio SP Conservative Asset Allocation Portfolio SP Davis Value Portfolio SP Deutsche International Equity Portfolio XX Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison International Growth Portfolio SP Large Cap Value Portfxxxx XX MFS Capital Opportunities Portfolio SP MFS Mid-Cap Growth Portfolio SP PIMCO High Yield Portfolio SP PIMCO Total Return Portfolio SP Prudential U.S. Emerging Growth Portfolio SP Small/Mid Cap Value Portfolio SP Strategic Partners Focused Growth Portfolio JANUS ASPEN SERIES Janus Aspen Series Growth Portfolio -- Service Shares] VFLX-2002-NY Page 3B [(A)] INTEREST RATE OPTIONS: The following interest rate options are currently available. We may add other options in the future. DCA FIXED RATE INVESTMENT OPTION Minimum Guaranteed Interest Rate: 3% Initial Interest Segment Interest Rate for 6 Month Option: [5%] Initial Interest Segment Interest Rate for 12 Month Option: [6%] FIXED RATE INVESTMENT OPTION Minimum Guaranteed Interest Rate: 3% Initial Interest Segment Interest Rate: [5%] ALLOCATION GUIDELINES: Currently, you may select any Allocation Option which is available at the time the Purchase Payment or transfer is made, with the exception of the DCA Fixed Rate Account Option for which there may be certain limitations. However, an amount of at least 1% of the Invested Purchase Payment must be allocated to any Allocation Option. Allocations made pursuant to automatic rebalancing or dollar cost-averaging are not subject to these limitations. TRANSFERS: NUMBER OF TRANSFERS PERMITTED: Currently, there are no limits on the number of transfers that can be made among Subaccounts. We reserve the right to change this, but the Owner will always be allowed at least 12 transfers among Subaccounts in a Contract Year.

VARIABLE INVESTMENT OPTIONS. The following variable investment options are available through allocation to subaccounts of the Pruco Life of New Jersey Flexible Premium Variable Annuity Account. We reserve the right to limit the availability of the below options, if necessary, in order to comply with federal, state or local law. [THE PRUDENTIAL SERIES FUND, INC. Prudential Equity Portfolio FUND Prudential Global Portfolio Prudential Jennison Portfolio Jennxxxx Xxxtfolio Prudential Money Market Portfolio Prudential Xxxxx Xndex Portfolio Prudential Value Stock Index Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM Core Equity Growth and Income Portfolio SP Alliance Large Cap Growth Portfolio SP Alliance Technology Portfolio SP Balanced Asset Allocation Portfolio SP Conservative Asset Allocation Portfolio SP Davis Value Dxxxx Xxxue Portfolio SP Deutsche International Equity Portfolio XX SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison International Jxxxxxxx Xxxernational Growth Portfolio SP Large Cap Value Portfxxxx XX Portfolio SP MFS Capital Opportunities Portfolio SP MFS Mid-Cap Growth Portfolio SP PIMCO High Yield Portfolio SP PIMCO Total Return Portfolio SP Prudential U.S. Emerging Growth Portfolio SP Small/Mid Cap Value Portfolio SP Strategic Partners Focused Growth Portfolio JANUS ASPEN SERIES Janus Aspen Series Growth Portfolio -- - Service Shares] VFLX-2002-NY VFLX-99 ED. 5/2001 Page 3B [(A)] [INTEREST RATE OPTIONS: The following interest rate options are currently available. We may add other options in the future. [DCA FIXED RATE INVESTMENT OPTION Minimum Guaranteed Interest Rate: 3% Initial Interest Segment Interest Rate for 6 Month Option: ACCOUNT OPTION] [5%] Initial Interest Segment Interest Rate for 12 Month Option: [6%] FIXED RATE INVESTMENT OPTION Minimum Guaranteed Interest Rate: 3% Initial Interest Segment Interest Rate: [5%ACCOUNT OPTION]] ALLOCATION GUIDELINES: Currently, you may select any Allocation Option which is available at the time the Purchase Payment or transfer is made[, with the exception of the DCA Fixed Rate Account Option for which there may be certain limitations]. However, an amount of at least [1% %] of the Invested Purchase Payment must be allocated to any Allocation Option. [Allocations made pursuant to [automatic rebalancing or dollar cost-averaging averaging] are not subject to these limitations. .] TRANSFERS: NUMBER OF TRANSFERS PERMITTED: Currently, there are no limits on the number of transfers that can be made among Subaccounts. We reserve the right to change this, but the Owner will always be allowed at least 12 [12] transfers among Subaccounts in a Contract Year.

VARIABLE INVESTMENT OPTIONS. The following variable investment options are available through allocation to subaccounts of the Pruco Life of New Jersey Flexible Premium Variable Annuity Account. We reserve the right to limit the availability of the below options, if necessary, in order to comply with federal, state or local law. [THE PRUDENTIAL SERIES FUND, INC. Prudential Equity Portfolio Prudential Global Portfolio Prudential Jennison Xxxxxxxx Portfolio Prudential Money Market Portfolio Prudential Xxxxx Xndex Portfolio Prudential Value Stock Index Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM Core Equity Growth and Income Portfolio SP Alliance Large Cap Growth Portfolio SP Alliance Technology Portfolio SP Balanced Asset Allocation Portfolio SP Conservative Asset Allocation Portfolio SP Davis XX Xxxxx Value Portfolio SP Deutsche International Equity Portfolio XX SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison XX Xxxxxxxx International Growth Portfolio SP Large Cap Value Portfxxxx XX Portfolio SP MFS Capital Opportunities Portfolio SP MFS Mid-Cap Growth Portfolio SP PIMCO High Yield Portfolio SP PIMCO Total Return Portfolio SP Prudential U.S. Emerging Growth Portfolio SP Small/Mid Cap Value Portfolio SP Strategic Partners Focused Growth Portfolio JANUS ASPEN SERIES Janus Aspen Series (VFM-96) ED. 5/2001 Page 3B Prudential Global Portfolio 40% SP AIM Aggressive Growth Portfolio -- Service Shares] VFLX-200230% One-NY Year Fixed-Rate Option 15% Seven-Year MVA Option 15% For any portion of the purchase payment allocated on the Contract Date to an interest-rate investment option, the interest rates are: One-year Fixed Rate Option 6% Seven-Year MVA Option 8% (VFM-96) ED. 5/2001 Page 3B [3C ENDORSEMENTS (A)] INTEREST RATE OPTIONS: The following interest rate options Only we can endorse this contract) (VFM--96) Page 4 DEFINITIONS We, Our, and Us.--Pruco Life Insurance Company, an Arizona corporation, or any affiliated company. You and Your.--The owner of the contract. Annuitant(s).--The person or persons named on the first page. If two persons are currently availablenamed, one of the two is named on page 3 as First Annuitant, the other as Co-Annuitant. In that case, the Beneficiary provision of the contract will be based on the death of the last survivor of the persons so named. Payee.--A beneficiary who has a right to receive a settlement under this contract. SEC.--The Securities and Exchange Commission. Contract Date.--The date we receive the initial purchase payment. We show the Contract Date on page 3. Contract Anniversary.--The same day and month as the Contract Date in each later year. Contract Year.--A year which starts on the Contract Date or on a Contract Anniversary. Business Day.--Any day the New York Stock Exchange is open for business. Annuity Date.--The date our first annuity payment to you is due. We show the Annuity Date on page 3. PURCHASE PAYMENTS WHEN PERMITTED The initial purchase payment must be paid on the Contract Date. Subsequent purchase payments may add be made at any time before the Annuity Date. Minimum purchase payment amounts are shown on a Contract Data page; we reserve the right to establish a maximum amount. INVESTED PURCHASE PAYMENTS Corresponding to each purchase payment, there is an " invested purchase payment." This is the balance of the purchase payment after we make any applicable deduction for: (1) state and local premium taxes; and (2) any other type of tax (or component thereof) measured by or based upon the amount of the purchase payment we receive. ALLOCATIONS You may allocate all or a part of an invested purchase payment to one or more of the investment options described below. The allocation of the initial invested purchase payment is shown on a Contract Data page. You may change the allocation of future invested purchase payments at any time. The change will take effect on the date we receive your request. If, after the initial purchase payment, we receive a purchase payment without allocation instructions, we will allocate the corresponding invested purchase payment in the future. DCA FIXED RATE INVESTMENT OPTION Minimum Guaranteed Interest Rate: 3% Initial Interest Segment Interest Rate for 6 Month Option: [5%] Initial Interest Segment Interest Rate for 12 Month Option: [6%] FIXED RATE INVESTMENT OPTION Minimum Guaranteed Interest Rate: 3% Initial Interest Segment Interest Rate: [5%] ALLOCATION GUIDELINES: Currently, same proportion as the most recent purchase payment you may select any Allocation Option which is available at the time the Purchase Payment or transfer is made, with the exception of the DCA Fixed Rate Account Option for which there may be certain limitations. However, an amount of at least 1% of the Invested Purchase Payment must be allocated made (unless that was a purchase payment you directed us to any Allocation Option. Allocations made pursuant to automatic rebalancing or dollar costallocate on a one-averaging are not subject to these limitations. TRANSFERS: NUMBER OF TRANSFERS PERMITTED: Currently, there are no limits on the number of transfers that can be made among Subaccountstime- only basis). We reserve the right to change this, but the Owner will always be allowed at least 12 transfers among Subaccounts in a Contract Year.establish minimum percentage and dollar amounts for invested purchase payment allocations. (VFM--96) Page 5

VARIABLE INVESTMENT OPTIONS. The following variable investment options are available through allocation to subaccounts of the Pruco Life of New Jersey Flexible Premium Variable Annuity Account. We reserve the right to limit the availability of the below options, if necessary, in order to comply with federal, state or local law. [THE PRUDENTIAL SERIES FUND, INC. The Prudential Equity Portfolio Series Fund Davix Xxxture Value Fidelity Large Cap Value Prudential Global Portfolio Large Cap Value Index Wellington Growth and Income MFS Capital Opportunities Prudential Jennison Portfolio Stock Index Alliance Premier Growth Jennxxxx Xxxwth Marsxxx Xxxge Cap Growth Prudential Money Market Portfolio Prudential Xxxxx Xndex Portfolio Prudential Value Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM Core Equity Portfolio SP Alliance Large Cap Growth Portfolio SP Alliance Technology Portfolio SP Balanced Asset Allocation Portfolio SP Conservative Asset Allocation Portfolio SP Davis Value Portfolio SP Deutsche International Equity Portfolio XX Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison International Growth Portfolio SP Large Cap Value Portfxxxx XX MFS Capital Opportunities Portfolio SP MFS Mid-Cap Growth Portfolio SP PIMCO High Yield Portfolio SP PIMCO Total Return Portfolio SP Prudential U.S. Emerging Growth Portfolio SP Index Fidelity Small/Mid Cap Value Portfolio SP Prudential Small Cap Value Index Prudential Emerging Growth Wellington Capital Appreciation MFS Mid Cap Growth 5 MFS New Discovery Prudential Small Cap Growth Index PIMCO Total Return PIMCO High Yield Strategic Partners Focused Growth Fund Prudential Money Market Alliance Technology Conservative Lifestyle Portfolio JANUS ASPEN SERIES Janus Aspen Series Growth Moderate Lifestyle Portfolio -- Service Shares] VFLX-2002-NY Page 3B [(A)Moderately Aggressive Lifestyle Portfolio Aggressive Lifestyle Portfolio Jennxxxx Xxxernational Prudential Global Deutsche International Equity Prudential International Index] INTEREST RATE INVESTMENT OPTIONS: The following interest rate investment options are currently available. We may add other options in the future. [DCA FIXED RATE INVESTMENT OPTION Minimum Guaranteed Interest Rate: 3% Initial Interest Segment Interest Rate for 6 Month Option: [5%] Initial Interest Segment Interest Rate for 12 Month Option: [6%] FIXED RATE INVESTMENT OPTION Minimum Guaranteed Interest Rate: 3% Initial Interest Segment Interest Rate: [5%OPTION] ALLOCATION GUIDELINES: Currently, you may select any Allocation Option which is available at the time the Purchase Payment or transfer is made, with the exception of the DCA Fixed Rate Account Investment Option for which there may be certain limitations. However, an An amount of at least $5,000 must be allocated to the DCA Fixed Rate Investment Option, and at least 1% of the Invested Purchase Payment must be allocated to any other Allocation Option. Allocations made pursuant to automatic rebalancing or dollar cost-averaging (not part of a DCA Program) are not subject to these limitations. We reserve the right to limit the availability of the above Allocation Options, if necessary, in order to comply with federal, state or local law. TRANSFERS: NUMBER OF TRANSFERS PERMITTEDNumber of Transfers Permitted: Currently, there are no limits on the number of transfers that can be made among Subaccounts. We reserve the right to change this, but the Owner will always be allowed at least 12 transfers among Subaccounts in a Contract Year.

VARIABLE INVESTMENT OPTIONS. The following variable investment options are available through allocation to subaccounts of the Pruco Life of New Jersey Flexible Premium Variable Annuity Account. We reserve the right to limit the availability of the below options, if necessary, in order to comply with federal, state or local law. [THE PRUDENTIAL SERIES FUND, INC. Prudential Equity Portfolio Prudential Global Portfolio Prudential Jennison Xxxxxxxx Portfolio Prudential Money Market Portfolio Prudential Xxxxx Xndex Portfolio Prudential Value Stock Index Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM Core Equity Growth and Income Portfolio SP Alliance Large Cap Growth Portfolio SP Alliance Technology Portfolio SP Balanced Asset Allocation Portfolio SP Conservative Asset Allocation Portfolio SP Davis XX Xxxxx Value Portfolio SP Deutsche International Equity Portfolio XX SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison XX Xxxxxxxx International Growth Portfolio SP Large Cap Value Portfxxxx XX Portfolio SP MFS Capital Opportunities Portfolio SP MFS Mid-Cap Growth Portfolio SP PIMCO High Yield Portfolio SP PIMCO Total Return Portfolio SP Prudential U.S. Emerging Growth Portfolio SP Small/Mid Cap Value Portfolio SP Strategic Partners Focused Growth Portfolio JANUS ASPEN SERIES Janus Aspen Series Prudential Global Portfolio 40% SP AIM Aggressive Growth Portfolio -- Service Shares] VFLX-200230% One-NY Page 3B [(A)] INTEREST RATE OPTIONS: The following interest rate options are currently available. We may add other options in the future. DCA FIXED RATE INVESTMENT OPTION Minimum Guaranteed Interest Rate: 3Year Fixed-Rate Option 15% Initial Interest Segment Interest Rate for 6 Month Option: [5%] Initial Interest Segment Interest Rate for 12 Month Option: [6%] FIXED RATE INVESTMENT OPTION Minimum Guaranteed Interest Rate: 3Seven-Year MVA Option 15% Initial Interest Segment Interest Rate: [5%] ALLOCATION GUIDELINES: Currently, you may select For any Allocation Option which is available at the time the Purchase Payment or transfer is made, with the exception portion of the DCA purchase payment allocated on the Contract Date to an interest-rate investment option, the interest rates are: One-year Fixed Rate Account Option for which there may be certain limitations. However, an amount of at least 16% of the Invested Purchase Payment must be allocated to any Allocation Option. Allocations made pursuant to automatic rebalancing or dollar costSeven-averaging are not subject to these limitations. TRANSFERS: Year MVA Option 8% CONTRACT NUMBER OF TRANSFERS PERMITTED: Currently, there are no limits on the number of transfers that XXXXXXXX ================================================================================ ENDORSEMENTS (Only we can be made among Subaccounts. We reserve the right to change this, but the Owner will always be allowed at least 12 transfers among Subaccounts in a Contract Year.endorse this contract) (VFM--96) Page 4

VARIABLE INVESTMENT OPTIONS. The following variable investment options are available through allocation to subaccounts of the Pruco Life of New Jersey Flexible Premium Variable Annuity Account. We reserve the right to limit the availability of the below options, if necessary, in order to comply with federal, state or local law. [THE PRUDENTIAL SERIES FUNDThe Prudential Series Fund, INC. Prudential Equity Portfolio Inc. Prudential Global Portfolio Prudential Jennison Portfolio Jennxxxx Xxxtfolio Prudential Money Market Portfolio Prudential Xxxxx Xndex Portfolio Prudential Value Stock Index Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM Core Equity Growth and Income Portfolio SP Alliance Large Cap Growth Portfolio SP Alliance Technology Portfolio SP Balanced Asset Allocation Portfolio SP Conservative Asset Allocation Portfolio SP Davis Value Dxxxx Xxxue Portfolio SP Deutsche Deutche International Equity Portfolio XX SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison International Jxxxxxxx Xxxernational Growth Portfolio SP Large Cap Value Portfxxxx XX Portfolio SP MFS Capital Opportunities Portfolio SP MFS Mid-Mid Cap Growth Portfolio SP PIMCO High Yield Portfolio SP PIMCO Total Return Portfolio SP Prudential U.S. Emerging Growth Portfolio SP Small/Mid Cap Value Portfolio SP Strategic Partners Focused Growth Portfolio JANUS ASPEN SERIES Janux Xxxxx Xxxies Janus Aspen Series Growth Portfolio -- - Service Shares] VFLX-2002-NY Page 3B [(A)] INTEREST RATE OPTIONS: The following interest rate options are currently available. We may add other options in the future. DCA FIXED RATE INVESTMENT OPTION Minimum Guaranteed Interest Rate: 3% Initial Interest Segment Interest Rate for 6 Month Option: [5%] Initial Interest Segment Interest Rate for 12 Month Option: [6%] FIXED RATE INVESTMENT OPTION Minimum Guaranteed Interest Rate: 3% Initial Interest Segment Interest Rate: [5%] ALLOCATION GUIDELINES: Currently, you may select any Allocation Option which is available at the time the Purchase Payment or transfer is made, with the exception of the DCA Fixed Rate Account Option for which there may be certain limitations. However, an amount of at least 1% of the Invested Purchase Payment must be allocated to any Allocation Option. Allocations made pursuant to automatic rebalancing or dollar cost-averaging are not subject to these limitations. We reserve the right to limit the availability of the above Allocation Options, if necessary, in order to comply with federal, state or local law. TRANSFERS: NUMBER OF TRANSFERS PERMITTEDNumber of Transfers Permitted: Currently, there are no limits on the number of transfers that can be made among Subaccounts. We reserve the right to change this, but the Owner will always be allowed at least 12 transfers among Subaccounts in a Contract Year.

VARIABLE INVESTMENT OPTIONS. The following variable investment options are available through allocation to subaccounts of the Pruco Life of New Jersey Flexible Premium Variable Annuity Account. We reserve the right to limit the availability of the below options, if necessary, in order to comply with federal, state or local law. [THE PRUDENTIAL SERIES FUND, INC. Prudential Equity Portfolio Prudential Global Portfolio Prudential Jennison Portfolio Prudential Money Market Portfolio Prudential Prudentixx Xxxxx Xndex Index Portfolio Prudential Value Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM Core Equity Portfolio SP Alliance Large Cap Growth Portfolio SP Alliance Technology Portfolio SP Balanced Asset Allocation Portfolio SP Conservative Asset Allocation Portfolio SP Davis Value Portfolio SP Deutsche International Equity Portfolio Portfolxx XX Growth Xxowth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison International Growth Portfolio SP Jennison Equity Oppxxxxxxxx Xxrtfolio SP Large Cap Value Portfxxxx XX MFS XXX Capital Opportunities Portfolio SP MFS Mid-Cap Growth Portfolio VFLX-2002 Page 3B [(A)] SP PIMCO High Yield Portfolio SP PIMCO Total Return Portfolio SP Prudential U.S. Emerging Growth Portfolio SP Small/Mid Cap Value Portfolio SP Strategic Partners Focused Growth Portfolio JANUS ASPEN SERIES Janus Aspen Series Growth Portfolio -- Service Shares] VFLX-2002-NY Page 3B [(A)] INTEREST RATE OPTIONS: The following interest rate options are currently available. We may add other options in the future. DCA FIXED RATE INVESTMENT OPTION Minimum Guaranteed Interest Rate: [3% Initial Interest Segment Interest Rate for 6 Month Option: [5%] Initial Interest Segment Interest Rate for 12 Month OptionRate: [65%] FIXED RATE INVESTMENT OPTION Minimum Guaranteed Interest Rate: [2% on amounts allocated or transferred to the Fixed Rate Investment Option prior to the tenth Contract Anniversary; 3% Initial Interest Segment Interest Rate: [5%] ALLOCATION GUIDELINES: Currently, you may select any Allocation Option which is available at on amounts allocated or transferred to the time the Purchase Payment or transfer is made, with the exception of the DCA Fixed Rate Account Investment Option for which there may be certain limitations. However, an amount of at least 1% of on or after the Invested Purchase Payment must be allocated to any Allocation Option. Allocations made pursuant to automatic rebalancing or dollar cost-averaging are not subject to these limitations. TRANSFERS: NUMBER OF TRANSFERS PERMITTED: Currently, there are no limits on the number of transfers that can be made among Subaccounts. We reserve the right to change this, but the Owner will always be allowed at least 12 transfers among Subaccounts in a tenth Contract YearAnniversary].

VARIABLE INVESTMENT OPTIONS. The following variable investment options are available through allocation to subaccounts of the Pruco Life of New Jersey Flexible Premium Variable Annuity Account. We reserve the right to limit the availability of the below options, if necessary, in order to comply with federal, state or local law. [THE PRUDENTIAL SERIES FUND, INC. Prudential Equity Portfolio Prudential Global Portfolio Prudential Jennison Portfolio Prudential Money Market Portfolio Prudential Xxxxx Xndex Xxxxxxxxal Stock Index Portfolio Prudential Value Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM Core Equity Portfolio SP Alliance Large Cap Growth Portfolio SP Alliance Technology Portfolio SP Balanced Asset Allocation Portfolio SP Conservative Asset Allocation Portfolio SP Davis Value Portfolio SP Deutsche International Equity Portfolio XX Porxxxxxx SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison International Growth Portfolio SP Large Cap Value Portfxxxx XX Xxxxxxxxx SP MFS Capital Opportunities Portfolio SP MFS Mid-Mid Cap Growth Portfolio SP PIMCO High Yield Portfolio SP PIMCO Total Return Portfolio SP Prudential U.S. Emerging Growth Portfolio SP Small/Mid Cap Value Portfolio SP Strategic Partners Focused Growth Portfolio JANUS ASPEN SERIES Janus Aspen Series Growth Portfolio -- - Service Shares] VFLX-2002-NY Page 3B [(A)] INTEREST RATE INVESTMENT OPTIONS: The following interest rate investment options are currently available. We may add other options in the future. DCA FIXED RATE INVESTMENT OPTION OPTION: MINIMUM GUARANTEED INTEREST RATE: 3% INITIAL INTEREST SEGMENT INTEREST RATE FOR 6 MONTH OPTION: [7%] INITIAL INTEREST SEGMENT INTEREST RATE FOR 12 MONTH OPTION: [8%] FIXED RATE INVESTMENT OPTION: Minimum Guaranteed Interest Crediting Rate: 3% Initial Interest Segment Interest Rate for 6 Month OptionINITIAL INTEREST SEGMENT INTEREST RATE: [5%] Initial Interest Segment Interest Rate for 12 Month OptionINITIAL BASE INTEREST CREDITING RATE: [64%] FIXED RATE INVESTMENT OPTION Minimum Guaranteed Interest Rate: 3% Initial Interest Segment Interest RateINITIAL ADDITIONAL INTEREST CREDITING RATE: [51%] ALLOCATION GUIDELINES: Currently, you may select any Allocation Option which is available at the time the Purchase Payment or transfer is made, with the exception of the DCA Fixed Rate Account Option for which there may be certain limitations. However, an amount of at least 1% of the Invested Purchase Payment must be allocated to any Allocation Option. Allocations made pursuant to automatic rebalancing or dollar cost-averaging are not subject to these limitations. TRANSFERS: NUMBER OF TRANSFERS PERMITTED: Currently, there are no limits on the number of transfers that can be made among Subaccounts. We reserve the right to change this, but the Owner will always be allowed at least 12 transfers among Subaccounts in a Contract Year.

VARIABLE INVESTMENT OPTIONS. The following variable investment options are available through allocation to subaccounts of the Pruco Life of New Jersey Flexible Premium Variable Annuity Account. We reserve the right to limit the availability of the below options, if necessary, in order to comply with federal, state or local law. [THE PRUDENTIAL SERIES FUND, INC. Prudential Equity Portfolio Prudential Global Portfolio Prudential Jennison Portfolio Jenxxxxx Xxrtfolio Prudential Money Market Portfolio Prudential Xxxxx Xndex Portfolio Prudential Value Stock Index Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM Core Equity Growth and Income Portfolio SP Alliance Large Cap Growth Portfolio SP Alliance Technology Portfolio SP Balanced Asset Allocation Portfolio SP Conservative Asset Allocation Portfolio SP Davis Value Xxxxx Xxlue Portfolio SP Deutsche International Equity Portfolio XX SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison International Xxxxxxxx Xxternational Growth Portfolio SP Large Cap Value Portfxxxx XX Portfolio SP MFS Capital Opportunities Portfolio SP MFS Mid-Mid Cap Growth Portfolio SP PIMCO High Yield Portfolio SP PIMCO Total Return Portfolio SP Prudential U.S. Emerging Growth Portfolio SP Small/Mid Cap Value Portfolio SP Strategic Partners Focused Growth Portfolio JANUS ASPEN SERIES Janus Aspen Series Growth Portfolio -- - Service Shares] VFLX-2002-NY Page 3B [(A)] INTEREST RATE OPTIONS: The following interest rate options are currently available. We may add other options in the future. DCA FIXED RATE INVESTMENT OPTION Minimum Guaranteed Interest Rate: 3% Initial Interest Segment Interest Rate for 6 Month Option: [5%] Initial Interest Segment Interest Rate for 12 Month Option: [6%] FIXED RATE INVESTMENT OPTION Minimum Guaranteed Interest Rate: 3% Initial Interest Segment Interest Rate: [5%] Shares ALLOCATION GUIDELINES: Currently, you may select any Allocation Option which is available at the time the Purchase Payment or transfer is made, with the exception of the DCA Fixed Rate Account Option for which there may be certain limitations. However, an amount of at least 1% of the Invested Purchase Payment must be allocated to any Allocation Option. Allocations made pursuant to automatic rebalancing or dollar cost-averaging are not subject to these limitations. We reserve the right to limit the availability of the above Allocation Options, if necessary, in order to comply with federal, state or local law. TRANSFERS: NUMBER OF TRANSFERS PERMITTED: Currently, there are no limits on the number of transfers that can be made among Subaccounts. We reserve the right to change this, but the Owner will always be allowed at least 12 transfers among Subaccounts in a Contract Year.

VARIABLE INVESTMENT OPTIONS. The following variable investment options are available through allocation to subaccounts of the Pruco Life of New Jersey Flexible Premium Variable Annuity Account. We reserve the right to limit the availability of the below options, if necessary, in order to comply with federal, state or local law. [THE PRUDENTIAL SERIES FUND, INC. Prudential Equity Portfolio Prudential Global Portfolio Prudential Jennison Xxxxxxxx Portfolio Prudential Money Market Portfolio Prudential Xxxxx Xndex Portfolio Prudential Value Stock Index Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM Core Equity Growth and Income Portfolio SP Alliance Large Cap Growth Portfolio SP Alliance Technology Portfolio SP Balanced Asset Allocation Portfolio SP Conservative Asset Allocation Portfolio SP Davis XX Xxxxx Value Portfolio SP Deutsche International Equity Portfolio XX SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison XX Xxxxxxxx International Growth Portfolio SP Large Cap Value Portfxxxx XX Portfolio SP MFS Capital Opportunities Portfolio SP MFS Mid-Mid Cap Growth Portfolio SP PIMCO High Yield Portfolio SP PIMCO Total Return Portfolio SP Prudential U.S. Emerging Growth Portfolio SP Small/Mid Cap Value Portfolio SP Strategic Partners Focused Growth Portfolio JANUS ASPEN SERIES Janus Aspen Series Growth Portfolio -- Service Shares] VFLX-2002-NY Page 3B [(A)] INTEREST RATE OPTIONS: The following interest rate options are currently available. We may add other options in the future. DCA FIXED RATE INVESTMENT OPTION Minimum Guaranteed Interest Rate: 3% Initial Interest Segment Interest Rate for 6 Month Option: [5%] Initial Interest Segment Interest Rate for 12 Month Option: [6%] FIXED RATE INVESTMENT OPTION Minimum Guaranteed Interest Rate: 3% Initial Interest Segment Interest Rate: [5%] ALLOCATION GUIDELINES: Currently, you may select any Allocation Option which is available at the time the Purchase Payment or transfer is made, with the exception of the DCA Fixed Rate Account Option for which there may be certain limitations. However, an amount of at least 1% of the Invested Purchase Payment must be allocated to any Allocation Option. Allocations made pursuant to automatic rebalancing or dollar cost-averaging are not subject to these limitations. TRANSFERS: We reserve the right to limit the availability of the above Allocation Options, if necessary, in order to comply with federal, state or local law. NUMBER OF TRANSFERS PERMITTED: Currently, there are no limits on the number of transfers that can be made among Subaccounts. We reserve the right to change this, but the Owner will always be allowed at least 12 transfers among Subaccounts in a Contract Year.