--------------------------------------------------------------------------------
EXHIBIT 1.A.(13)(x)
ENDORSEMENTS
(Only we can endorse this contract.)
Any reference, in any provision of this contract, to the sex of any person
will be ignored except for the purpose of identification. For any settlement
payable for the lifetime of one or more payees, the female rates we show in the
contract will apply to both male and female payees.
Not withstanding anything in this contract to the contrary, when the
contract is in default, it will stay in force as reduced paid-up insurance.
BASIS OF COMPUTATION
MORTALITY TABLES DESCRIBED
We base all net premiums and net values to which we refer in this contract
on the Insured's issue age and on the length of time since the contract date. We
use the Commissioners 1980 Standard Ordinary Non-Smokers Mortality Table B and
continuous functions based on age last birthday.
INTEREST RATE
For all net premiums and net values to which we refer in this contract we
use an effective rate of 4% a year.
EXCLUSIONS
When we compute net values, tabular values, and reduced paid-up insurance
we exclude the value of any supplementary benefits and any other extra benefits
added by rider to this contract.
VALUES AFTER 20 CONTRACT YEARS
Tabular values not shown on page 4 will be computed using the standard
nonforfeiture method and the mortality table and interest rate we describe
above. We show the nonforfeiture factors in the contract data pages.
MINIMUM LEGAL VALUES
The cash, loan and other values in this contract are at least as large as
those set by law where it is delivered. Where required, we have given the
insurance regulator a detailed statement of how we compute values and benefits.
The Prudential Insurance Company of America,
By /s/ XXXXXXX X. LIGHT
--------------------------------
Secretary
ORD 86303--88
II-210
