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 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 Prudential Global Portfolio Prudential Jennxxxx Xxxtfolio Prudential Money Market Portfolio Prudential Stock Index Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM 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 Dxxxx Xxxue Portfolio SP Deutsche International Equity Portfolio SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jxxxxxxx Xxxernational Growth Portfolio SP Large Cap Value 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-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 ACCOUNT OPTION] [FIXED RATE 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] 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 FUND, INC. Prudential Global Portfolio Prudential Jennxxxx Xxxtfolio Xxxxxxxx Portfolio Prudential Money Market Portfolio Prudential Stock Index Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM 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 Dxxxx Xxxue XX Xxxxx Value Portfolio SP Deutsche International Equity Portfolio SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jxxxxxxx Xxxernational XX Xxxxxxxx International Growth Portfolio SP Large Cap Value 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-99 ED. 5/2001 Shares VBON-2000--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 ACCOUNT OPTION] [FIXED RATE ACCOUNT OPTION]] 3A 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.] . 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] 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 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 The Prudential Global Portfolio Series Fund Davix Xxxture Value Fidelity Large Cap Value Prudential Jennxxxx Xxxtfolio Prudential Money Market Portfolio Large Cap Value Index Wellington Growth and Income MFS Capital Opportunities Prudential Stock Index Portfolio SP Aggressive Alliance Premier Growth Asset Allocation Portfolio SP AIM Aggressive Jennxxxx Xxxwth Marsxxx Xxxge Cap Growth Portfolio SP AIM Growth and Income Portfolio SP Alliance Prudential Large Cap Growth Portfolio SP Alliance Technology Portfolio SP Balanced Asset Allocation Portfolio SP Conservative Asset Allocation Portfolio SP Dxxxx Xxxue Portfolio SP Deutsche International Equity Portfolio SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jxxxxxxx Xxxernational Growth Portfolio SP Large Cap Value 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 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 SharesModerately Aggressive Lifestyle Portfolio Aggressive Lifestyle Portfolio Jennxxxx Xxxernational Prudential Global Deutsche International Equity Prudential International Index] VFLX-99 ED. 5/2001 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 ACCOUNT OPTION] [INVESTMENT OPTION FIXED RATE ACCOUNT INVESTMENT 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] 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] 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 The Prudential Series Fund, Inc. Prudential Global Portfolio Prudential Jennxxxx Xxxtfolio Prudential Money Market Portfolio Prudential Stock Index Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM 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 Dxxxx Xxxue Portfolio SP Deutsche Deutche International Equity Portfolio SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jxxxxxxx Xxxernational Growth Portfolio SP Large Cap Value 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-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 ACCOUNT OPTION] [FIXED RATE 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.] . 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] 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 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. VARIABLE INVESTMENT OPTIONS (SUBACCOUNTS) AVAILABLE [THE PRUDENTIAL SERIES FUND Prudential Global Portfolio Prudential Jennxxxx Xxxtfolio Xxxxxxxx Portfolio Prudential Money Market Portfolio Prudential Stock Index Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM 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 Dxxxx Xxxue XX Xxxxx Value Portfolio SP Deutsche International Equity Portfolio SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jxxxxxxx Xxxernational XX Xxxxxxxx International Growth Portfolio SP Large Cap Value 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-99 (VFM-96) ED. 5/2001 Page 3B [CONTRACT NO. XX XXX XXX CONTRACT DATA CONTINUED INITIAL ALLOCATION OF INVESTED PREMIUM ACCOUNTS Prudential Global Portfolio 40% SP AIM Aggressive Growth Portfolio 30% One-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% END OF CONTRACT DATA (A)] [INTEREST RATE OPTIONS: The following interest rate options VFM-96) ED. 5/2001 Page 3C ENDORSEMENTS (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 ACCOUNT OPTION] [FIXED RATE ACCOUNT OPTION]] 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 FUND, INC. Prudential Equity Portfolio Prudential Global Portfolio Prudential Jennxxxx Xxxtfolio Jennison Portfolio Prudential Money Market Portfolio Prudential Xxxxxxxxal Stock Index Portfolio Prudential Value Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM Growth and Income Core Equity Portfolio SP Alliance Large Cap Growth Portfolio SP Alliance Technology Portfolio SP Balanced Asset Allocation Portfolio SP Conservative Asset Allocation Portfolio SP Dxxxx Xxxue Davis Value Portfolio SP Deutsche International Equity Portfolio Porxxxxxx SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jxxxxxxx Xxxernational Jennison International Growth Portfolio SP Large Cap Value Portfolio 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-99 ED. 5/2001 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 ACCOUNT INVESTMENT 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 ACCOUNT INVESTMENT OPTION]: Minimum Interest Crediting Rate: 3% INITIAL INTEREST SEGMENT INTEREST RATE: [5%] ALLOCATION GUIDELINESINITIAL BASE INTEREST CREDITING RATE: 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 4%] INITIAL ADDITIONAL INTEREST CREDITING RATE: [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] 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. VARIABLE INVESTMENT OPTIONS (SUBACCOUNTS) AVAILABLE [THE PRUDENTIAL SERIES FUND Prudential Global Portfolio Prudential Jennxxxx Xxxtfolio Xxxxxxxx Portfolio Prudential Money Market Portfolio Prudential Stock Index Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM 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 Dxxxx Xxxue XX Xxxxx Value Portfolio SP Deutsche International Equity Portfolio SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jxxxxxxx Xxxernational XX Xxxxxxxx International Growth Portfolio CONTRACT DATA CONTINUED ON NEXT PAGE CONTRACT NO. 1234567890 CONTRACT DATA CONTINUED SP Large Cap Value 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-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 ACCOUNT OPTION] [FIXED RATE ACCOUNT OPTION]] INITIAL ALLOCATION GUIDELINES: Currently, you may select OF INVESTED PREMIUM ACCOUNTS Prudential Global Portfolio 40% SP AIM Aggressive Growth Portfolio 30% One-Year Fixed-Rate Option 15% Seven-Year MVA Option 15% 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 [1%] of the Invested Purchase Payment must be allocated to any Allocation Option. [Allocations made pursuant to [automatic rebalancing or dollar cost6% Seven-averaging] are not subject to these limitations.] TRANSFERS: Year MVA Option 8% END OF CONTRACT DATA 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 FUND FUND, INC. Prudential Global Portfolio Prudential Jennxxxx Xxxtfolio Jenxxxxx Xxrtfolio Prudential Money Market Portfolio Prudential Stock Index Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM 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 Dxxxx Xxxue Xxxxx Xxlue Portfolio SP Deutsche International Equity Portfolio SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jxxxxxxx Xxxernational Xxxxxxxx Xxternational Growth Portfolio SP Large Cap Value 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-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 ACCOUNT OPTION] [FIXED RATE ACCOUNT OPTION]] 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] 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] 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 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 FUND, INC. Prudential Equity Portfolio Prudential Global Portfolio Prudential Jennxxxx Xxxtfolio Jennison Portfolio Prudential Money Market Portfolio Prudentixx Xxxxx Index Portfolio Prudential Stock Index Value Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM Growth and Income Core Equity Portfolio SP Alliance Large Cap Growth Portfolio SP Alliance Technology Portfolio SP Balanced Asset Allocation Portfolio SP Conservative Asset Allocation Portfolio SP Dxxxx Xxxue Davis Value Portfolio SP Deutsche International Equity Portfolio SP Growth Portfolxx XX Xxowth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jxxxxxxx Xxxernational Jennison International Growth Portfolio SP Jennison Equity Oppxxxxxxxx Xxrtfolio SP Large Cap Value Portfolio SP MFS Portfxxxx XX 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-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 ACCOUNT OPTIONINVESTMENT OPTION Minimum Guaranteed Interest Rate: [3%] Initial Interest Segment Interest Rate: [5%] FIXED RATE ACCOUNT OPTION]] ALLOCATION GUIDELINESINVESTMENT OPTION Minimum Guaranteed Interest Rate: Currently, you may select any Allocation Option which is available at [2% 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 limitationsprior to the tenth Contract Anniversary; 3% on amounts allocated or transferred to the Fixed Rate Investment Option on or after the tenth Contract Anniversary]. 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 FUND, INC. Prudential Equity Portfolio Prudential Global Portfolio Prudential Jennxxxx Xxxtfolio Jennison Portfolio Prudential Money Market Portfolio Prudential Stock Index Xxxxx Xndex Portfolio Prudential Value Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM Growth and Income Core Equity Portfolio SP Alliance Large Cap Growth Portfolio SP Alliance Technology Portfolio SP Balanced Asset Allocation Portfolio SP Conservative Asset Allocation Portfolio SP Dxxxx Xxxue Davis Value Portfolio SP Deutsche International Equity Portfolio SP XX Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jxxxxxxx Xxxernational Jennison International Growth Portfolio SP Large Cap Value Portfolio SP 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-99 ED. 5/2001 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 ACCOUNT OPTIONINVESTMENT 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 ACCOUNT OPTION]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] 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.