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 ▇▇▇▇▇▇▇▇al 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 Por▇▇▇▇▇▇ SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison International Growth Portfolio SP Large Cap Value ▇▇▇▇▇▇▇▇▇ 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] 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: [7%] INITIAL INTEREST SEGMENT INTEREST RATE FOR 12 MONTH OPTION: [8%] FIXED RATE INVESTMENT OPTION: Minimum Interest Crediting Rate: 3% INITIAL INTEREST SEGMENT INTEREST RATE: [5%] INITIAL BASE INTEREST CREDITING RATE: [4%] INITIAL ADDITIONAL INTEREST CREDITING RATE: [1%] 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 Prudential Money Market Portfolio Prudential ▇▇▇▇▇ ▇▇▇▇al Stock Index ndex 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 Por▇▇▇▇Portfolio ▇▇ SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison International Growth Portfolio SP Large Cap Value ▇▇▇▇▇Portf▇▇▇▇ 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: MINIMUM GUARANTEED INTEREST RATEOPTION Minimum Guaranteed Interest Rate: 3% INITIAL INTEREST SEGMENT INTEREST RATE FOR Initial Interest Segment Interest Rate for 6 MONTH OPTIONMonth Option: [75%] INITIAL INTEREST SEGMENT INTEREST RATE FOR Initial Interest Segment Interest Rate for 12 MONTH OPTIONMonth Option: [86%] FIXED RATE INVESTMENT OPTION: OPTION Minimum Guaranteed Interest Crediting Rate: 3% INITIAL INTEREST SEGMENT INTEREST RATEInitial Interest Segment Interest Rate: [5%] INITIAL BASE INTEREST CREDITING RATEALLOCATION GUIDELINES: [4%] INITIAL ADDITIONAL 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 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 Prudential Money Market Portfolio ▇▇▇▇▇▇▇▇al ▇ Portfolio Prudential Money Market Portfolio Prudential Stock Index Portfolio Prudential Value 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 Portfolio SP Deutsche International Equity Por▇▇▇▇▇▇ Portfolio SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison International Growth Portfolio SP Large Cap Value ▇▇ ▇▇▇▇▇▇▇▇ 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] INTEREST RATE INVESTMENT OPTIONS: The following interest rate investment options Currently, you may select any Allocation Option which is available at the time the Purchase Payment or transfer is made. 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 currently availablenot subject to these limitations. We may add other options reserve the right to limit the availability of the above Allocation Options, if necessary, in the futureorder to comply with federal, state or local law. DCA FIXED RATE 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 INVESTMENT OPTION: Minimum Interest Crediting Rate: 3% INITIAL INTEREST SEGMENT INTEREST RATE: [5%] INITIAL BASE INTEREST CREDITING RATE: [4%] INITIAL ADDITIONAL INTEREST CREDITING RATE: [1%] 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 Jen▇▇▇▇▇ ▇▇rtfolio Prudential Money Market Portfolio ▇▇▇▇▇▇▇▇al Prudential Stock Index Portfolio Prudential Value 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 ▇▇▇▇▇ ▇▇lue Portfolio SP Deutsche International Equity Por▇▇▇▇▇▇ Portfolio SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison International Growth Portfolio SP Large Cap Value ▇▇▇▇▇▇▇▇▇ ▇▇ternational 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] INTEREST RATE INVESTMENT OPTIONSShares ALLOCATION GUIDELINES: The following interest rate investment options Currently, you may select any Allocation Option which is available at the time the Purchase Payment or transfer is made. 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 currently availablenot subject to these limitations. We may add other options reserve the right to limit the availability of the above Allocation Options, if necessary, in the futureorder to comply with federal, state or local law. DCA FIXED RATE 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 INVESTMENT OPTION: Minimum Interest Crediting Rate: 3% INITIAL INTEREST SEGMENT INTEREST RATE: [5%] INITIAL BASE INTEREST CREDITING RATE: [4%] INITIAL ADDITIONAL INTEREST CREDITING RATE: [1%] 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 Prudential Money Market Portfolio ▇▇▇▇▇▇▇▇al ▇ Portfolio Prudential Money Market Portfolio Prudential Stock Index Portfolio Prudential Value 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 Portfolio SP Deutsche International Equity Por▇▇▇▇▇▇ Portfolio SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison International Growth Portfolio SP Large Cap Value ▇▇ ▇▇▇▇▇▇▇▇ 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 (VFM-96) ED. 5/2001 Page 3B Prudential Global Portfolio 40% SP AIM Aggressive Growth Portfolio - Service Shares] INTEREST RATE INVESTMENT OPTIONS: The following interest 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 options option, the interest rates are: One-year Fixed Rate Option 6% Seven-Year MVA Option 8% (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 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 INVESTMENT OPTION: Minimum Interest Crediting Rate: 3% INITIAL INTEREST SEGMENT INTEREST RATE: [5%] INITIAL BASE INTEREST CREDITING RATE: [4%] INITIAL ADDITIONAL INTEREST CREDITING RATE: [1%] TRANSFERS: NUMBER OF TRANSFERS PERMITTED: Currently, there are no limits same proportion as the most recent purchase payment you made (unless that was a purchase payment you directed us to allocate on the number of transfers that can be made among Subaccountsa one-time- 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. Prudential Equity Portfolio Prudential Global Portfolio Prudential Jennison Portfolio Prudential Money Market Portfolio Prudenti▇▇ ▇▇▇▇▇▇▇▇al 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 PorPortfol▇▇ ▇▇ ▇▇▇▇▇▇ SP Growth owth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison International Growth Portfolio SP Large Cap Value ▇Jennison Equity Opp▇▇▇▇▇▇▇▇ ▇▇rtfolio SP MFS Large Cap Value Portf▇▇▇▇ ▇▇ ▇▇▇ Capital Opportunities Portfolio SP MFS Mid 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] 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 OPTIONOPTION Minimum Guaranteed Interest Rate: [73%] INITIAL INTEREST SEGMENT INTEREST RATE FOR 12 MONTH OPTIONInitial Interest Segment Interest Rate: [85%] FIXED RATE INVESTMENT OPTION: OPTION Minimum Guaranteed Interest Crediting 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%] INITIAL BASE INTEREST CREDITING RATE: [4%] INITIAL ADDITIONAL INTEREST CREDITING RATE: [1%] TRANSFERS: NUMBER OF TRANSFERS PERMITTED: Currently, there are no limits on amounts allocated or transferred to the number of transfers that can be made among Subaccounts. We reserve Fixed Rate Investment Option on or after 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 FUNDThe Prudential Series Fund, INC. Prudential Equity Portfolio Inc. Prudential Global Portfolio Prudential Jennison Portfolio Jenn▇▇▇▇ ▇▇▇tfolio Prudential Money Market Portfolio ▇▇▇▇▇▇▇▇al Prudential Stock Index Portfolio Prudential Value 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 Portfolio SP Deutsche International Equity Por▇▇D▇▇▇▇ ▇▇▇ue Portfolio SP Deutche International Equity Portfolio SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison International Growth Portfolio SP Large Cap Value ▇▇J▇▇▇▇▇▇▇ ▇▇▇ernational 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 Janu▇ ▇▇▇▇▇ ▇▇▇ies Janus Aspen Series Growth Portfolio - Service Shares] INTEREST RATE INVESTMENT OPTIONSALLOCATION GUIDELINES: The following interest rate investment options Currently, you may select any Allocation Option which is available at the time the Purchase Payment or transfer is made. 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 currently availablenot subject to these limitations. We may add other options reserve the right to limit the availability of the above Allocation Options, if necessary, in the futureorder to comply with federal, state or local law. DCA FIXED RATE 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 INVESTMENT OPTION: Minimum Interest Crediting Rate: 3% INITIAL INTEREST SEGMENT INTEREST RATE: [5%] INITIAL BASE INTEREST CREDITING RATE: [4%] INITIAL ADDITIONAL INTEREST CREDITING RATE: [1%] 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. The Prudential Equity Portfolio Prudential Global Portfolio Prudential Jennison Portfolio Prudential Money Market Portfolio Series Fund Davi▇ ▇▇▇▇▇▇▇▇al ture Value Fidelity Large Cap Value Prudential Large Cap Value Index Wellington Growth and Income MFS Capital Opportunities Prudential Stock Index Portfolio Prudential Value Portfolio SP Aggressive Alliance Premier 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 Por▇▇Jenn▇▇▇▇ SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison International Growth Portfolio SP Large Cap Value ▇▇▇wth Mars▇▇▇ ▇▇▇▇▇▇ SP MFS Capital Opportunities Portfolio SP MFS Mid ge Cap Growth Portfolio SP PIMCO High Yield Portfolio SP PIMCO Total Return Portfolio SP Prudential U.S. Emerging Large Cap 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 Jenn▇▇▇▇ ▇▇▇ernational 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: [7%] INITIAL INTEREST SEGMENT INTEREST RATE FOR 12 MONTH OPTION: [8%] OPTION FIXED RATE INVESTMENT OPTION] ALLOCATION GUIDELINES: Minimum Interest Crediting Rate: 3Currently, 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 Investment Option for which there may be certain limitations. An amount of at least $5,000 must be allocated to the DCA Fixed Rate Investment Option, and at least 1% INITIAL INTEREST SEGMENT INTEREST RATE: [5%] INITIAL BASE INTEREST CREDITING RATE: [4%] INITIAL ADDITIONAL INTEREST CREDITING RATE: [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 FUND Prudential Global Portfolio Prudential Jennison Portfolio Jenn▇▇▇▇ ▇▇▇tfolio Prudential Money Market Portfolio ▇▇▇▇▇▇▇▇al Prudential Stock Index Portfolio Prudential Value 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 D▇▇▇▇ ▇▇▇ue Portfolio SP Deutsche International Equity Por▇▇▇▇▇▇ Portfolio SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison International Growth Portfolio SP Large Cap Value ▇▇J▇▇▇▇▇▇▇ ▇▇▇ernational 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 INVESTMENT OPTIONS: The following interest rate investment options are currently available. We may add other options in the future. [DCA FIXED RATE INVESTMENT ACCOUNT 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 ACCOUNT OPTION]] ALLOCATION GUIDELINES: Minimum Interest Crediting Rate: 3% INITIAL INTEREST SEGMENT INTEREST RATE: Currently, you may select any Allocation Option which is available at the time the Purchase Payment or transfer is made[5%] INITIAL BASE INTEREST CREDITING RATE: [4%] INITIAL ADDITIONAL INTEREST CREDITING RATE: , 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 [12] transfers among Subaccounts in a Contract Year.