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P-END-TA(12/21) 1  PRUCO LIFE INSURANCE COMPANY, PHOENIX, ARIZONA  TRANSFER ACCOUNT INDEX LINKED VARIABLE ANNUITY ENDORSEMENT  ANNUITY NUMBER: [001-00001]  EFFECTIVE DATE: [Contract Issue Date]  This Endorsement is made a part of your Annuity.  For purposes of this Endorsement, certain provisions  of your Annuity are amended as described below.  If the terms of the Annuity and those of this  Endorsement conflict, the provisions of this Endorsement shall control.  Should this Endorsement  terminate, any amended or replaced Annuity provisions based on this Endorsements’ terms will revert to  the provisions in the Annuity, except as may be provided below.  This Endorsement should be read in  conjunction with any other Rider or Endorsement made a part of your Annuity.     For the purposes of this Endorsement, the following Definitions are added or amended and restated to  your Contract as follows:  Account Value: The Interim Value for each Index Strategy plus the total value of all allocations to the  Variable Sub-Accounts and the Transfer Account on any Valuation Day other than the Index Strategy  Start Date and Index Strategy End Date. The Interim Value does not apply to an Index Strategy on the  Index Strategy Start Date and the Index Strategy End Date. On an Index Strategy Start Date, the Index  Strategy Base applicable to that Index Strategy would be used instead of the Interim Value. On an Index  Strategy End Date, the Index Strategy Base plus the Index Credit applicable to that Index Strategy would  be used instead of the Interim Value.  Transfer Account - An account we make available and designate as such for use with the Allocation of  the Initial Purchase Payment(s) and any Purchase Payments received within the Transfer Account  Period. The Transfer Account is available for a period of time ending upon the expiration of the Transfer  Account Period or the Index Effective Date, whichever occurs first.   Transfer Account Period - [45] days from the date that the [application is signed]  For the purposes of this Endorsement, the Allocation of Initial Purchase Payment Provision of the  Contract is amended to read as follows:  Allocation of Initial Purchase Payment(s): Issuance of an Annuity represents our acceptance of an  initial Purchase Payment. The amount of your initial Purchase Payment is shown in the Annuity Schedule.  On the Issue Date, we allocate all or part of your initial Purchase Payment to the Transfer Account, Index  Strategy(ies) and/or the Variable Sub-Accounts we make available according to your instructions. If you  allocate all or a portion of your initial Purchase Payment to the Transfer Account, on the last Valuation  Day of the Transfer Account Period, we will transfer your Account Value in the Transfer Account to the  Index Strategy(ies) according to your allocation instructions on file with us unless you have provided us  with alternate instructions for when to establish your Index Effective Date. If you specify a date to  establish your Index Effective Date that is after the Transfer Account Period, any Account Value allocated  to the Transfer Account on the last Valuation Day of the Transfer Account Period will be transferred to the  Holding Account until the Index Effective Date you specify, when it will be transferred to the Index  Strategy(ies) according to your allocation instructions on file with us.    If there is Account Value allocated to the Transfer Account at the end of the Transfer Account Period,  without instructions those funds will be transferred to the Holding Account.  If there is no Account Value allocated to the Transfer Account on the last Valuation Day of the Transfer  Account Period, no transfer will occur.   For the purposes of this Endorsement, the Distributions Section of the Contract is amended to read as  follows:  





 






P-END-TA(12/21) 2  General: We require you to submit a request in Good Order to our Service Office for any withdrawal or  surrender. We may also require that you send your Annuity to our Service Office as part of any surrender  request. Unless we receive instructions from you prior to a withdrawal, we will take the withdrawal first  pro-rata from the Variable Sub-Accounts in which your Account Value is allocated. Once the Account  Value in all Variable Sub-Accounts has been depleted, we will deduct any remaining withdrawals next  from the Transfer Account, if applicable, and then pro-rata from the Index Strategy(ies) in which you have  Account Value allocated. We price any distribution on the Valuation Day we receive all required materials  in Good Order.  Required Minimum Distributions: If your Annuity is being used for certain qualified purposes under the  Internal Revenue Code, you may be required to begin receiving minimum distributions on a periodic basis  from your Annuity. The total amount of the minimum distributions required under the Code may depend  on other annuities, savings or investments you have. We will calculate a required minimum distribution  amount each year, based solely on the value of this Annuity. The amount we calculate (“Required  Minimum Distribution”) will not be based on any other annuities, savings or investments. We will notify  you of the Required Minimum Distribution amount each year. If you choose to have this Required  Minimum Distribution paid out from this Annuity, you must do so through a program we make available.  If you choose to take your Required Minimum Distribution from this Annuity, unless we receive other  instructions from you, we will take each Required Minimum Distribution first pro-rata from the Variable  Sub-Accounts in which your Account Value is allocated. Once the Account Value in all Variable Sub- Accounts has been depleted, we will deduct any remaining Required Minimum Distribution next from the  Transfer Account, if applicable, and then pro-rata from the Index Strategy(ies) in which you have Account  Value allocated. If the amount of the Required Minimum Distribution reduces your Account Value below  the Minimum Surrender Value After a Partial Withdrawal, we may treat the distribution as a full surrender  of the Annuity. After the Annuity Date, we will view the annuity payments as your Required Minimum  Distributions with respect to the Annuity. If a Required Minimum Distributions occurs during an Index  Strategy Term, each Index Strategy Base impacted will be reduced proportionally by the applicable  amount that the Required Minimum Distribution reduced the Index Strategy’s Interim Value immediately  prior to the Required Minimum Distribution.   No Contingent Deferred Sales Charge is assessed against amounts withdrawn as Required Minimum  Distributions over your life or life expectancy, but only if we calculate the Required Minimum Distribution  amount for this Annuity and you are participating in a systematic withdrawal program established for their  payment. Any applicable Contingent Deferred Sales Charge may apply to amounts withdrawn to meet  minimum distributions in relation to other annuities, savings and investments you may have or to any  minimum distributions that are based on this Annuity but which are not calculated by us.  PRUCO LIFE INSURANCE COMPANY  [ ]  ____________________________ Secretary