The Prudential
[LOGO] Insurance Company
of America
Annuitant Contract No.
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LIMITATION PROVISIONS
So that this contract may meet the requirements of an annuity within the meaning
of Section 72(s) of the Internal Revenue Code of 1954, as amended, (the Code),
this contract is amended at issue to provide:
1. All of the annuity settlement options described for individual beneficiaries
in the contract will be available to a beneficiary entitled to settlement at the
death of an owner-annuitant only if the beneficiary is the owner-annuitant's
spouse.
For an individual beneficiary who is someone other than the spouse, the choice
may be made from among variable and fixed-dollar annuities of Type A (Life
Annuity), Type B (Life Annuity, 10 Year Minimum Period) and Type D (Annuity for
a Specified Period), but only if the certain or specified period for any Type B
or Type D annuity chosen does not exceed, on the date payments are to begin, the
life expectancy of the payee as we determine for persons of the same age and
sex.
Also, if the beneficiary is someone other than the spouse, payments to the
beneficiary must start within one year after the Annuitant's death.
2. If death proceeds become payable to a beneficiary who is not a natural
person, we will pay the proceeds promptly. An annuity settlement may not be
chosen for such a beneficiary, except that if the death giving rise to the
payment of death proceeds occurs before the annuity date, we may consent to a
Type D annuity, if requested for the beneficiary, provided the period selected
does not end more than five years after the date of death.
3. If the owner or any joint owner of this contract dies before the Annuity Date
and a designated Annuitant survives, the contract may be continued under its
terms by the new owner(s). In that event, any gain in the contract at the time
of death will be reported as income to the new owner.
A change might be needed later to conform this contract to the requirements of
the Code, regulations or published rulings. If so, we have the right to make the
change(s) without a signed request and to provide a form of amendment to the
contract.
Endorsed by attachment on the Contract Date
The Prudential Insurance Company of America
By
/s/ Xxxxxxxx X. Xxxxxxxx
Secretary
