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P-RILA-SCH-B(7/22)-NY   3  ANNUITY SCHEDULE PAGE    ANNUITY NUMBER: [001-00001] ISSUE DATE: [September 1, 2022]    TYPE OF BUSINESS: [Non-Qualified]    OWNER: [John Doe]           DATE OF BIRTH:  [October 21, 1972] SEX:  [Male]    [OWNER: [Mary Doe]            DATE OF BIRTH:  [October 15, 1972] SEX:  [Female]]    ANNUITANT:  [John Doe]     DATE OF BIRTH:  [October 21,1972] SEX:  [Male]    [JOINT ANNUITANT:  [Mary Doe]     DATE OF BIRTH:  [January 15, 1952] SEX:  [Female]]    [CONTINGENT ANNUITANT: [Mary Doe] DATE OF BIRTH: [January 15, 1952] SEX: [Female]]    ALLOCATION OF INITIAL PURCHASE PAYMENT    PURCHASE PAYMENT:  [$100,000.00]    MAXIMUM TOTAL PURCHASE PAYMENTS: [$1,000,000.00] without Home Office approval    INDEX STRATEGY ALLOCATION PERCENTAGE(S):    [Point to Point with Cap Index Strategy   [100%]    [S&P 500® Index, Price Return] [1 Year]   [$100,000.00]    [15.00% Buffer]    Tiered Participation Rate Index Strategy   [0%] ]      TRANSFER ACCOUNT ALLOCATIONS PERCENTAGE:    Transfer Account   [0%]     [$0.00]     VARIABLE SUB-ACCOUNT ALLOCATION PERCENTAGE:  [MFS® International Growth Portfolio – Service Class]  [0%]  [MFS® Total Return Bond Series – Service Class]  [0%]  [MFS® Total Return Series – Service Class]   [0%]  [MFS® Value Series – Service Class]    [0%]  [PSF PGIM Government Money Market Portfolio – Class III] [0%]    TRANSFER ACCOUNT PERIOD: [45] Days from [the date the application is signed]    PURCHASE PAYMENT LIMITATION: Purchase Payments may be accepted up to and including the day  prior to the later of: the oldest Owner’s [86th] birthday (the Annuitant’s [86th] birthday if the Annuity is owned  by an entity), or the first anniversary of the Issue Date, unless otherwise required by applicable law or  regulation to maintain the tax status of this Annuity.  We may limit or reject additional Purchase Payments  in a non-discriminatory manner if market and/or economic conditions decline to a point where the yield on  investments or the cost and availability of hedging options to support the replication of the index strategy  credits do not allow us to support the guarantees of the Annuity or if we offer a modified version of this  contract for new business or we are not making the contract available to new business.    MINIMUM ADDITIONAL PURCHASE PAYMENT: [$100]    MINIMUM ADDITIONAL PURCHASE PAYMENT UNDER AUTOMATIC PURCHASE PLANS: [$50]            

 

P-RILA-SCH-B(7/22)-NY   4  ANNUITY SCHEDULE PAGE (continued)    WITHDRAWALS    MAXIMUM FREE WITHDRAWAL PERCENTAGE: [10%] of Purchase Payments    MINIMUM WITHDRAWAL AMOUNT: [$100]    MINIMUM SURRENDER VALUE AFTER A PARTIAL WITHDRAWAL: [$5,000]    ALLOCATION OF ACCOUNT VALUE    MINIMUM VARIABLE SUB-ACCOUNT AMOUNT: [$20]    MINIMUM INDEX STRATEGY AMOUNT: [$2,000]    CHARGES    INSURANCE CHARGE (ONLY APPLICABLE TO ACCOUNT VALUE ALLOCATED TO THE  VARIABLE SUB-ACCOUNT(S)):     MORTALITY AND EXPENSE RISK CHARGE:      For Purchase Payments less than [$1,000,000] the Insurance Charge is [1.15%]      For Purchase Payments of [$1,000,000] or more the Insurance Charge is reduced to [1.05%]     ADMINISTRATION CHARGE: [0.15%]    CONTINGENT DEFERRED SALES CHARGE: The Contingent Deferred Sales Charge for each  Purchase Payment is a percentage of the Purchase Payment being withdrawn that is in excess of the  Free Withdrawal amount.  The charge decreases as the Purchase Payment ages.  The aging of a  Purchase Payment is measured from the date it is allocated to your Annuity. The charge percentage is  shown below.  The charge is deducted from the Allocation Options in the same proportion as the  withdrawal upon which it is assessed.    Age of Purchase Payment Being Withdrawn    Year 0-1    Year 1-2    Year 2-3    Year 3-4    Year 4-5    Year 5-6    Year 6  or older    7% 7% 6% 5% 4% 3% 0.00      [MEDICALLY RELATED SURRENDER AMOUNT: [$500,000]]    [Due Proof of Death Period: [1 Year]]    ANNUITIZATION    LATEST AVAILABLE ANNUITY DATE: [The first day of the calendar month next following the oldest  Owner’s or Annuitant’s 95th birthday.]    EARLIEST AVAILABLE ANNUITY DATE:  One year from the Issue Date    MINIMUM ANNUITY PAYMENT:  $20 per month    MINIMUM SURRENDER VALUE AT ANNUITIZATION:  $2,000    

 

P-RILA-SCH-B(7/22)-NY   5  ANNUITY SCHEDULE PAGE (continued)    ANNUITY TABLES    The rates in Tables 1 and 2 below are applied to the Account Value on the Annuity Date to compute the  minimum amount of the annuity payment for the payout options described below. Table 1 is used to  compute the minimum annuity payment under Option 1 (Payments for Life with 120 Months Period  Certain). Table 2 is used to compute the minimum initial annuity payment under Option 2 (Joint and Last  Survivor).    BASIS OF COMPUTATION FOR ANNUITY OPTIONS: We use an interest rate of 0.50% per year. The  adjusted age is the Annuitant’s age as of the Annuitant’s last birthday prior to the date on which the first  payment is due, adjusted as shown in the “Translation of Adjusted Age” table below. The actuarial basis  of the Annuity Options is the Annuity 2000 valuation mortality table, with four-year age setback and  projected mortality improvement factors (modified Scale G) projected from the age at annuitization to the  age at which the probability of survival is needed in the calculation of the annuity payment.    Translation of Adjusted Age  Calendar Year in Which  First Payment Is Due  Adjusted Age Calendar Year in Which  First Payment Is Due  Adjusted Age  2020 through 2029 Actual Age minus 2 2070 through 2079 Actual Age minus 7  2030 through 2039 Actual Age minus 3 2080 through 2089 Actual Age minus 8  2040 through 2049 Actual Age minus 4 2090 through 2099 Actual Age minus 9  2050 through 2059 Actual Age minus 5 2100 through 2109   Actual Age minus 10  2060 through 2069 Actual Age minus 6 2110 through 2119 Actual Age minus 11    AMOUNT OF MONTHLY PAYMENT FOR EACH $1,000 APPLIED      Table 1: ANNUITY OPTION 1 – Payments for Life with 120 Months Period Certain  Adjusted  Age Male Female  Adjusted  Age Male Female  Adjusted  Age Male Female  41 1.87 1.73 61 3.02 2.72 81 5.95 5.51  42 1.91 1.77 62 3.11 2.80 82 6.15 5.73  43 1.95 1.8 63 3.21 2.88 83 6.34 5.95  44 1.99 1.83 64 3.31 2.97 84 6.53 6.17  45 2.03 1.87 65 3.42 3.06 85 6.72 6.38  46 2.07 1.90 66 3.53 3.16 86 6.90 6.60  47 2.12 1.94 67 3.65 3.27 87 7.07 6.80  48 2.17 1.98 68 3.78 3.38 88 7.24 7.00  49 2.22 2.03 69 3.91 3.49 89 7.39 7.19  50 2.27 2.07 70 4.05 3.62 90 7.54 7.36  51 2.32 2.12 71 4.19 3.75 91 7.67 7.52  52 2.38 2.16 72 4.34 3.89 92 7.80 7.67  53 2.44 2.21 73 4.50 4.03 93 7.91 7.80  54 2.50 2.27 74 4.67 4.19 94 8.02 7.92  55 2.56 2.32 75 4.84 4.35 95 8.11 8.03  56 2.63 2.38 76 5.01 4.53        57 2.70 2.44 77 5.19 4.71        58 2.77 2.51 78 5.38 4.90        59 2.85 2.57 79 5.57 5.10        60 2.94 2.64 80 5.76 5.30        

 

P-RILA-SCH-B(7/22)-NY   6  ANNUITY SCHEDULE PAGE (continued)    Table 2: ANNUITY OPTION 2 - Joint and Last Survivor  Male  Adjusted  Age  Female Adjusted Age  45 50 55 60 65 70 75 80 85 90 95  45 1.71 1.79 1.86 1.92 1.96 1.99 2.01 2.02 2.03 2.03 2.03  50 1.76 1.87 1.98 2.07 2.14 2.19 2.22 2.25 2.26 2.27 2.27  55 1.80 1.94 2.08 2.21 2.32 2.41 2.48 2.52 2.55 2.56 2.57  60 1.82 1.99 2.16 2.34 2.51 2.65 2.77 2.85 2.90 2.93 2.95  65 1.84 2.02 2.22 2.44 2.68 2.9 3.09 3.24 3.35 3.41 3.44  70 1.85 2.04 2.26 2.53 2.82 3.13 3.44 3.70 3.90 4.03 4.10  75 1.86 2.05 2.29 2.58 2.92 3.32 3.76 4.18 4.54 4.81 4.97  80 1.86 2.06 2.31 2.61 3.00 3.47 4.03 4.64 5.24 5.73 6.07  85 1.87 2.07 2.32 2.63 3.04 3.56 4.22 5.03 5.92 6.75 7.40  90 1.87 2.07 2.32 2.64 3.06 3.62 4.35 5.31 6.49 7.74 8.86  95 1.87 2.07 2.33 2.65 3.08 3.65 4.43 5.50 6.91 8.60 10.29    SEPARATE ACCOUNT(S):    VARIABLE SEPARATE ACCOUNT(S): [Pruco Life of New Jersey Flexible Premium Variable Annuity  Account]    INDEX STRATEGIES SEPARATE ACCOUNT(S): [Pruco Life Insurance Company of New Jersey Index  Strategies Separate Account]    GENERAL PROVISIONS:    MISSTATEMENT OF AGE OR SEX INTEREST RATE: [0.50%]    RIDERS AND ENDORSEMENTS MADE A PART OF THE ANNUITY ON THE ISSUE DATE:  [Medically Related Surrender Endorsement  Return of Purchase Payments Death Benefit Rider  Point to Point with Cap Index Strategy Endorsement  Tiered Participation Rate Index Strategy Endorsement  Performance Lock Index Linked Variable Annuity Endorsement  Individual Retirement Annuity Endorsement  Roth Individual Retirement Annuity Endorsement  Beneficiary Annuity Endorsement  Beneficiary Individual Retirement Annuity Endorsement  Beneficiary Roth Individual Retirement Annuity Endorsement]p-rilaxschxbxdcd7x22xny

   P-RILA-SCH-B-DCD(7/22)-NY 1  ANNUITY SCHEDULE PAGE    ANNUITY NUMBER: [001-00001]                ISSUE DATE:  [September 1, 2022]    TYPE OF BUSINESS:  [Non-Qualified]    BENEFICIAL OWNER:  [John Doe DCD FBO Jack Doe]  DATE OF BIRTH:  [May 21,1975] SEX:  [Male]    KEY LIFE:  [Jack Doe]       DATE OF BIRTH:  [October 21,1975] SEX:  [Male]    ALLOCATION OF INITIAL PURCHASE PAYMENT    PURCHASE PAYMENT:  [$100,000.00]    MAXIMUM TOTAL PURCHASE PAYMENTS: [$1,000,000.00] without Home Office approval    KEY LIFE:  The Key Life is the person whose life expectancy is used to determine payments under this Annuity.     BENEFICIAL OWNER: The individual  that acquired an interest in the death benefit proceeds under the  Decedent’s contract.      INDEX STRATEGY ALLOCATION PERCENTAGE(S):    [Point to Point with Cap Index Strategy   [100%]    [S&P 500® Index, Price Return] [ 1 Year]          [$100,000.00]             [15.00% Buffer]    [Tiered Participation Rate Index Strategy   [0%] ]      TRANSFER ACCOUNT ALLOCATIONS PERCENTAGE:    TRANSFER ACCOUNT [$00.00]    [0%]    TRANSFER ACCOUNT PERIOD: [45] Days from [the date the application is signed]    VARIABLE SUB-ACCOUNT ALLOCATION PERCENTAGE:  [MFS® International Growth Portfolio – Service Class]  [0%]  [MFS® Total Return Bond Series – Service Class]  [0%]  [MFS® Total Return Series – Service Class]   [0%]  [MFS® Value Series – Service Class]    [0%]  [PSF Government Money Market Portfolio – Class III]  [0%]      PURCHASE PAYMENT LIMITATION:  No Additional Purchase Payments accepted    MINIMUM ADDITIONAL PURCHASE PAYMENT:  Not applicable    MINIMUM ADDITIONAL PURCHASE PAYMENT UNDER AUTOMATIC PURCHASE PLANS:  Not applicable    WITHDRAWALS    MAXIMUM FREE WITHDRAWAL PERCENTAGE: [10%] of Purchase Payments    MINIMUM WITHDRAWAL AMOUNT:  [$100]    MINIMUM SURRENDER VALUE AFTER A PARTIAL WITHDRAWAL:  [$5,000]              

 

P-RILA-SCH-B-DCD(7/22)-NY 2    ANNUITY SCHEDULE PAGE (continued)    ALLOCATION OF ACCOUNT VALUE    MINIMUM VARIABLE SUB-ACCOUNT AMOUNT:  [$20]    MINIMUM INDEX STRATEGY AMOUNT:  [$2,000]    CHARGES    INSURANCE CHARGE (ONLY APPLICABLE TO ACCOUNT VALUE ALLOCATED TO THE VARIABLE SUB- ACCOUNT(S)):   MORTALITY AND EXPENSE RISK CHARGE:    For Purchase Payments less than [$1,000,000] the Insurance Charge is [1.15%]   For Purchase Payments of [$1,000,000] or more the Insurance Charge is reduced to [1.05%]   ADMINISTRATION CHARGE: [0.15%]    CONTINGENT DEFERRED SALES CHARGE: The Contingent Deferred Sales Charge for the Purchase  Payment is a percentage of the Purchase Payment being withdrawn that is in excess of the Free Withdrawal  amount.  The charge decreases as the Purchase Payment ages.  The aging of a Purchase Payment is  measured from the date it is allocated to your Annuity. The charge percentage is shown below.  The charge is  deducted from the Allocation Options in the same proportion as the withdrawal upon which it is assessed.    Age of Purchase Payment Being Withdrawn    Year 0-1    Year 1-2    Year 2-3    Year 3-4    Year 4-5    Year 5-6    Year 6  or older    7% 7% 6% 5% 4% 3% 0.00    [Medically Related Surrender Amount: [$500,000]]    Due Proof of Death Period: [1 Year]  ANNUITIZATION    LATEST AVAILABLE ANNUITY DATE:  Not applicable    EARLIEST AVAILABLE ANNUITY DATE:  Not applicable    MINIMUM ANNUITY PAYMENT:  Not applicable    MINIMUM SURRENDER VALUE AT ANNUITIZATION:  Not applicable    SEPARATE ACCOUNT(S):    VARIABLE SEPARATE ACCOUNT(S): [Pruco Life of New Jersey Flexible Premium Variable Annuity Account]    INDEX STRATEGIES SEPARATE ACCOUNT(S): [ Pruco Life Insurance Company of New Jersey  IndexStrategies Separate Account]  GENERAL PROVISIONS    MISSTATEMENT OF AGE OR SEX INTEREST RATE: [0.50%]    RIDERS AND ENDORSEMENTS MADE A PART OF THE ANNUITY ON THE ISSUE DATE:  [Medically Related Surrender Endorsement  Return of Purchase Payments Death Benefit Rider  Point to Point with Cap Index Strategy Endorsement  Performance Lock Index Linked Variable Annuity Endorsement  Tiered Participation Rate Index Strategy Endorsement  Beneficiary Annuity Endorsement  Beneficiary Individual Retirement Annuity Endorsement  Beneficiary Roth Individual Retirement Annuity Endorsement]

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