Document:

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                                                                  EXHIBIT (4)(d)

PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY,               STRATEGIC PARTNERS(SM)
a Prudential Financial company                           ANNUITY ONE APPLICATION
                                      Flexible Payment Variable Deferred Annuity
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   On these pages, I, you,and your refer to the contract owner. We, us, and our
   refer to Pruco Life Insurance Company of New Jersey.
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1  CONTRACT OWNER INFORMATION

   Contract number (if any) _____________________________

   [ ] Individual  [ ] Corporation  [ ] UGMA/UTMA  [ ] Other

   TRUST: [ ] Grantor [ ] Revocable [ ] Irrevocable

   TRUST DATE (mo., day, yr.)_____  _____  _________

   If a corporation or trust is indicated above, please check the following as
   it applies. If neither box is checked, we will provide annual tax reporting
   for the increasing value of the contract.

   [ ] Tax-exempt entity under Internal Revenue Code 501

   [ ] Trust acting as agent for an individual under Internal Revenue Code 72(u)

   Name of owner (first, middle initial, last name)
   _____________________________________________________________________________

   Street                                                      Apt.
   ________________________________________________________    _________________

   City                                          State      ZIP code
   __________________________________________    ________   _________-__________

   Social Security number/EIN   Date of birth (mo., day, year)  Telephone number
   __________________________   _________ _________ __________  ____ ____-______

   A. [ ] Female
      [ ] Male

   B. [ ] U.S. citizen    [ ] I am not a U.S. person (including resident alien).
      [ ] Resident alien      I am a citizen of
                              __________________________________________________
                              Attach the applicable IRS Form W-8(BEN, ECI, EXP,
                              IMY).
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2  JOINT OWNER INFORMATION (if any) Do not complete if you are opening an IRA.

   Unmarried persons who wish to own the contract jointly should consult with
   their tax adviser.

   Name of joint owner, if any (first, middle initial, last name)
   _____________________________________________________________________________

   Street (Leave address blank if same as owner.)              Apt.
   ________________________________________________________    _________________

   City                                          State      ZIP code
   __________________________________________    ________   _________-__________

   Social Security number/EIN   Date of birth (mo., day, year)  Telephone number
   __________________________   _________ _________ __________  ____ ____-______

   A. [ ] Female
      [ ] Male

   B. [ ] U.S. citizen    [ ] I am not a U.S. person (including resident alien).
      [ ] Resident alien      I am a citizen of
                              __________________________________________________
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3  ANNUITANT INFORMATION Do not complete if you are opening an IRA.

   This section must be completed only if the annuitant is not the owner or if
   the owner is a trust or a corporation.

   Name of annuitant (first, middle initial, last name)
   _____________________________________________________________________________

   Street (Leave address blank if same as owner.)              Apt.
   ________________________________________________________    _________________

   City                                          State      ZIP code
   __________________________________________    ________   _________-__________

   Social Security number       Date of birth (mo., day, year)  Telephone number
   __________________________   _________ _________ __________  ____ ____-______

   A. [ ] Female
      [ ] Male

   B. [ ] U.S. citizen    [ ] I am not a U.S. person (including resident alien).
      [ ] Resident alien      I am a citizen of
                              __________________________________________________
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Pruco Corporate Office: Pruco Life Insurance Company                  Ed. 5/2003
of New Jersey, Newark, NJ 07102
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ORD 99730 New York-1               Page 1 of 6
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4  CO-ANNUITANT INFORMATION (if any) Do not complete if you are opening an IRA
   or if the contract will be owned by a corporation or trust.

   Name of co-annuitant (first, middle initial, last name)
   _____________________________________________________________________________

   Social Security number       Date of birth (mo., day, year)  Telephone number
   __________________________   _________ _________ __________  ____ ____-______

   A. [ ] Female
      [ ] Male

   B. [ ] U.S. citizen    [ ] I am not a U.S. person (including resident alien).
      [ ] Resident alien      I am a citizen of
                              __________________________________________________
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5  BENEFICIARY INFORMATION Please add additional beneficiaries in section 18.

   [X] PRIMARY CLASS

   Name of beneficiary (first, middle initial, last name) If trust, include name
   of trust and trustee's name.
   _____________________________________________________________________________

   TRUST: [ ] Revocable   [ ] Irrevocable  Trust date (mo., day, year)__ __ ____

   Beneficiary's relationship to owner__________________________________________

   Social Security number_______________________________________________________

   CHECK ONLY ONE: [ ] Primary class   [ ] Secondary class

   Name of beneficiary (first, middle initial, last name) If trust, include name
   of trust and trustee's name.

   TRUST: [ ] Revocable   [ ] Irrevocable  Trust date (mo., day, year)__ __ ____

   Beneficiary's relationship to owner__________________________________________

   Social Security number_______________________________________________________
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6  ELECTION OF CREDIT

   Complete this section if you want to elect Credit. The election of Credit to
   each purchase payment results in a higher insurance and administrative cost
   and higher withdrawal charges than if the Credit was not elected. The Credit
   that is allocated to the contract vests upon expiration of the the Right to
   Cancel period. We reserve the right to recapture any Credit granted within
   one year of the date of the owner's death.

   [ ] Yes, I want Credit.
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7  INCOME BENEFITS

   Check all that apply. The cost of each benefit is in parentheses immediately
   following the option. ONCE ELECTED, THE GUARANTEED MINIMUM INCOME BENEFIT
   (GMIB) CANNOT BE REVOKED.

   [ ] Yes, I would like to elect a Guaranteed Minimum Income Benefit (GMIB).
       (0.45%)

   [ ] Yes, I would like to elect the Income Appreciator Benefit (IAB). (0.25%)
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8  DEATH BENEFIT

   THIS SECTION MUST BE COMPLETED. Check one of the Death Benefit options below.
   The cost of each benefit is in parentheses immediately following the option.

   [ ] Base Death Benefit. (1.40% without credit; 1.50% with credit)

   [ ] Guaranteed Minimum Death Benefit (GMDB) with an annual Step-Up option.
       (1.65% without credit; 1.75% with credit)

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9  TYPE OF PLAN AND SOURCE OF FUNDS (minimum of $10,000)

   PLAN TYPE. Check only one:

   [ ] Non-qualified   [ ] Traditional IRA   [ ] Custodial account
   -----------------------------------------------------------------------------
   SOURCE OF FUNDS. Check all that apply:

   [ ] Total amount of the check(s)
       included with this application.
       (Make checks payable to Prudential.)  $______,_________,___________._____

   [ ] IRA Rollover                          $______,_________,___________._____

   If Traditional IRA new contribution(s) for the current and/or previous year,
   complete the following:
   $____,___________._______ Year___________ $______,________.______ Year_______

   [ ] 1035 Exchange (non-qualified only),
        estimated amount:                 $ _______,_________,___________.______

   [ ] IRA Transfer (qualified),
       estimated amount:                  $ _______,_________,___________.______

   [ ] Direct Rollover (qualified),
       estimated amount:                  $ _______,_________,___________.______
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ORD 99730 New York-1               Page 2 of 6                        Ed. 5/2003
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10 PURCHASE PAYMENT ALLOCATION(S)

   Please write in the percentage of your payment that you want to allocate to
   the following options. total must equal 100 percent. IF CHANGES ARE MADE TO
   THE ALLOCATIONS LISTED BELOW, THE APPLICANT MUST INITAL THE CHANGES.

<TABLE>
<CAPTION>
----------------------------------------------------------------------
INTEREST RATE OPTIONS                              CODES           %
----------------------------------------------------------------------
<S>                                                <C>           <C>
1 Year Fixed-Rate Option                           1YRFXD
----------------------------------------------------------------------
Dollar Cost Averaging (DCA) 6 Month*               DCA6
----------------------------------------------------------------------
Dollar Cost Averaging (DCA) 12 Month*              DCA12
----------------------------------------------------------------------
2 Year Market Value Adjustment Option**            2YRMVA
----------------------------------------------------------------------
3 Year Market Value Adjustment Option**            3YRMVA
----------------------------------------------------------------------
4 Year Market Value Adjustment Option**            4YRMVA
----------------------------------------------------------------------
5 Year Market Value Adjustment Option**            5YRMVA
----------------------------------------------------------------------
6 Year Market Value Adjustment Option**            6YRMVA
----------------------------------------------------------------------
7 Year Market Value Adjustment Option**            7YRMVA
----------------------------------------------------------------------
8 Year Market Value Adjustment Option**            8YRMVA
----------------------------------------------------------------------
9 Year Market Value Adjustment Option**            9YRMVA
----------------------------------------------------------------------
10 Year Market Value Adjustment Option**           10YMVA
----------------------------------------------------------------------
VARIABLE INVESTMENT OPTIONS
----------------------------------------------------------------------
Prudential Equity Portfolio                        STOCK
----------------------------------------------------------------------
Prudential Global Portfolio                        GLEQ
----------------------------------------------------------------------
Prudential Jennison Portfolio                      GROWTH
----------------------------------------------------------------------
Prudential Money Market Portfolio                  MMKT
----------------------------------------------------------------------
Prudential Stock Index Portfolio                   STIX
----------------------------------------------------------------------
Prudential Value Portfolio                         HIDV
----------------------------------------------------------------------
SP Aggressive Growth Asset
Allocation Portfolio                               AGGGW
----------------------------------------------------------------------
SP AIM Aggressive Growth Portfolio                 AIMAG
----------------------------------------------------------------------
SP AIM Core Equity Portfolio                       AIMCEP
----------------------------------------------------------------------
SP Alliance Large Cap Growth Portfolio             LARCP
----------------------------------------------------------------------
SP Alliance Technology Portfolio                   ALLTC
----------------------------------------------------------------------
SP Balanced Asset Allocation Portfolio             BALAN
----------------------------------------------------------------------
SP Conservative Asset Allocation Portfolio         CONSB
----------------------------------------------------------------------
SP Davis Value Portfolio                           VALUE
----------------------------------------------------------------------
SP Deutsche International Equity Portfolio         DEUEQ
----------------------------------------------------------------------
SP Growth Asset Allocation Portfolio               GRWAL
----------------------------------------------------------------------
SP INVESCO Small Company Growth Portfolio          VIFSG
----------------------------------------------------------------------
SP Jennison International Growth Portfolio         JENIN
----------------------------------------------------------------------
SP Large Cap Value Portfolio                       LRCAP
----------------------------------------------------------------------
SP MFS Capital Opportunities Portfolio             MFSCO
----------------------------------------------------------------------
SP Mid Cap Growth Portfolio                        MFSMC
----------------------------------------------------------------------
SP PIMCO High Yield Portfolio                      HIHLD
----------------------------------------------------------------------
SP PIMCO Total Return Portfolio                    RETRN
----------------------------------------------------------------------
SP Prudential U.S. Emerging Growth Portfolio       EMRGW
----------------------------------------------------------------------
SP Small/Mid Cap Value Portfolio                   SMDVL
----------------------------------------------------------------------
SP Strategic Partners Focus Growth Portfolio       STRPR
----------------------------------------------------------------------
Janus Aspen Series Growth Portfolio-Service
Shares                                             JANSR
----------------------------------------------------------------------
TOTAL                                                            100%
----------------------------------------------------------------------
</TABLE>

* THE DOLLAR EQUIVALENT OF THE PERCENTAGE ALLOCATED MUST EQUAL AT LEAST $2,000.

** THE DOLLAR EQUIVALENT OF THE PERCENTAGE ALLOCATED MUST EQUAL AT LEAST $1,000.

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11 DOLLAR COST AVERAGING PROGRAM

   If you elect to use more than one Dollar Cost Averaging option, you must also
   complete a Request for Cost Averaging Enrollment or Change form (ORD 78275).

   [ ] DOLLAR COST AVERAGING: I authorize Prudential to automatically transfer
       funds as indicated below.

       TRANSFER FROM:(You cannot transfer from the 1 Year Fixed-Rate Option.)

       *If you selected the DCA6 or DCA12 option in section 10, only complete
       the TRANSFER TO information.

       Option code:_____________  $________,__________,_________. OR _________ %

       TRANSFER FREQUENCY:   [ ] Annually     [ ] Semiannually
                             [ ] Quarterly    [ ] Monthly

       TRANSFER TO: (You cannot transfer to the DCA Interest Rate options or any
       of the Market Value Adjustment options.)

       The total of the two columns must equal 100 percent.

       OPTION CODE            PERCENT        OPTION CODE             PERCENT
       __________________     __________ %   ___________________     ________ %
       __________________     __________ %   ___________________     ________ %
       __________________     __________ %   ___________________     ________ %

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ORD 99730 New York-1               Page 3 of 6                        Ed. 5/2003
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12 AUTO-REBALANCING

   [ ] AUTO-REBALANCING: I want to maintain my allocation percentages. Please
       have my portfolio mix automatically adjusted as allocated in section
       10 under my variable investment options.

       Adjust my portfolio:  [ ] Annually     [ ] Semiannually
                             [ ] Quarterly    [ ] Monthly

       Please specify the start date if different than the contract date:
       _________  ______  ___________
       month      day     year
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13 AUTOMATED WITHDRAWALS

   [ ] AUTOMATED WITHDRAWAL: I would like to elect automatic withdrawals from my
       annuity contract.

       Automated withdrawals can be made monthly, quarterly, semiannually, or
       annually. The amount of each withdrawal must be at least $100. You must
       complete the Request for Partial or Automated Withdrawal form (ORD 78276)
       in order to specify start date, frequency, and amount of withdrawals.

       NOTE:AUTOMATIC WITHDRAWALS CANNOT BE USED TO CONTINUE THE CONTRACT BEYOND
       THE MATURITY DATE. ON THE MATURITY DATE THE CONTRACT MUST ANNUITIZE.
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14 REPLACEMENT QUESTIONS AND DISCLOSURE STATEMENT

   THIS DISCLOSURE STATEMENT SECTION MUST BE COMPLETED IF STATE REPLACEMENT
   REGULATIONS REQUIRE. (Check one):

   [ ] I do have existing life insurance policies or annuity contracts. (You
       must complete the Important Disclosure Notice Regarding Replacement
       form (COMB 89216 NY), whether or not this transaction is considered
       Statement a replacement.)

   [ ] I do not have existing life insurance policies or annuity contracts.

   Will the proposed annuity contract replace any existing insurance
   policy(ies) or annuity contract(s)?

   [ ] Yes  [ ] No

   If "Yes," provide the following information for each policy or contract and
   attach all applicable Prudential disclosure and state replacement forms.

   Company name
   _____________________________________________________________________________

   Policy or contract number   Year of issue (mo., day, year)
   _________________________   ________  ________  __________

   Name of plan (if applicable)
   ____________________________
   -----------------------------------------------------------------------------
   REPRESENTATIVE'S QUESTION

   THIS QUESTION MUST BE COMPLETED BY THE REPRESENTATIVE.

   Do you have, from any source, facts that any person named as the owner above
   is replacing or changing any current insurance or annuity in any company?

   [ ] Yes   [ ] No
--------------------------------------------------------------------------------
15 SIGNATURE(S)

   If applying for an IRA, I acknowledge receiving an IRA disclosure statement
   and understand that I will be given a financial disclosure statement with the
   contract. I understand that tax deferral is provided by the IRA, and
   acknowledge that I am purchasing this contract for its features other than
   tax deferral, including the lifetime income payout option, the Death Benefit
   protection, the ability to transfer among investment options without sales or
   withdrawal charges, and other features as described in the prospectus.

   No representative has the authority to make or change a contract or waive any
   of the contract rights.

   I understand that if I have purchased another non-qualified annuity from
   Prudential or an affiliated company this calendar year that they will be
   considered as one contract for tax purposes.

   I believe that this contract meets my needs and financial objectives.
   Furthermore, I (1) understand that any amount of purchase payments allocated
   to a variable investment option will reflect the investment experience of
   that option and, therefore, annuity payments and surrender values may vary
   and are not guaranteed as to a fixed dollar amount, and (2) acknowledge
   receipt of the current prospectus for this contract and the variable
   investment options.

   [ ] If this application is being signed at the time the contract is
       delivered, I acknowledge receipt of the contract.

   [ ] Check here to request a Statement of Additional Information.

                                                                     (continued)
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ORD 99730 New York-1               Page 4 of 6                         Ed.5/2003
--------------------

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15 SIGNATURE(S) (continued)

   MINIMUM DISTRIBUTION UNDER AN IRA: IF YOU HAVE NOT MET THE REQUIRED MINIMUM
   DISTRIBUTION FOR THE YEAR IN WHICH THE FUNDS ARE PAID TO PRUDENTIAL:

   I understand it is my responsibility to remove the minimum distribution from
   the purchase payment PRIOR TO sending money to Prudential with this
   application. Unless we are notified otherwise, Prudential will assume that
   the owner has satisfied their required minimum distributions from other IRA
   funds.

   By signing this form, the trustee(s)/officer(s) hereby represents that the
   trustee(s)/officer(s) possess(es) the authority, on behalf of the non-natural
   person, to purchase the annuity contract and to exercise all rights of
   ownership and control over the contract, including the right to make purchase
   payments to the contract.

   We must have both the owner's and annuitant's signatures even if this
   contract is owned by a trust, corporation, or other entity. If the annuitant
   is a minor, please provide the signature of a legal guardian or custodian.

   THOSE AMOUNTS ALLOCATED TO ANY MVA OPTION WILL BE SUBJECT TO A MARKET VALUE
   ADJUSTMENT IF WITHDRAWN OR TRANSFERRED AT ANY TIME OTHER THAN DURING THE
   30-DAY PERIOD FOLLOWING THE INTEREST CELL'S MATURITY. A MARKET VALUE
   ADJUSTMENT CAN BE A POSITIVE OR NEGATIVE ADJUSTMENT. THERE IS NO MARKET VALUE
   ADJUSTMENT AT DEATH.

   I hereby represent that my answers to the questions on this application are
   correct and true to the best of my knowledge and belief. I acknowledge
   receipt of current product and fund prospectuses.

   ___________________________________________________
   SIGNED AT (CITY, STATE)

   X__________________________________________________    _______  _____  ______
    Contract owner's signature and date                   month    day    year

   X__________________________________________________    _______  _____  ______
    Joint owner's signature (if applicable) and date      month    day    year

   X__________________________________________________    _______  _____  ______
    Annuitant's signature (if applicable) and date        month    day    year

   X__________________________________________________    _______  _____  ______
    Co-annuitant's signature (if applicable) and date     month    day    year

   OWNER'S TAX CERTIFICATION
   -----------------------------------------------------------------------------
   Under penalty of perjury, I certify that the taxpayer identification number
   (TIN) I have listed on this form is my correct TIN. I further certify that
   the citizenship/residency status I have listed on this form is my correct
   citizenship/residency status. I [ ] HAVE [ ] HAVE NOT (check one) been
   notified by the Internal Revenue Service that I am subject to backup
   withholding due to underreporting of interest or dividends.
   -----------------------------------------------------------------------------

   X__________________________________________________    _______  _____  ______
    Contract owner's signature and date                   month    day    year

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ORD 99730 New York-1               Page 5 of 6                        Ed. 5/2003
--------------------

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16 REPRESENTATIVE'S SIGNATURE(S)

   Commission Option (For Retail Distribution only. Choose one.):

   1. [ ] No Trail    2. [ ] Mid Trail    3. [ ] High Trail

   Note: If an option is not selected, the default option will be Option 1.

   This application is submitted in the belief that the purchase of this
   contract is appropriate for the applicant based on the information provided
   and as reviewed with the applicant. Reasonable inquiry has been made of the
   owner concerning the owner's overall financial situation, needs, and
   investment objectives.

   The representative hereby certifies that all information contained in this
   application is true to the best of his or her knowledge.

    ___________________________________________      ___________________________
    Representative's name (Please print)             Rep's contract/FA number

   X___________________________________________   ________  _________  _________
    Representative's signature and date           month     day        year

    ___________________________________________      ___________________________
    Second representative's name (Please print)      Rep's contract/FA number

   X___________________________________________   ________  _________  _________
    Second representative's signature and date    month     day        year

    ___________________________________________   ______  ________-_____________
    Branch/field office name and code             Representative's telephone
                                                  number

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17 ADDITIONAL REMARKS

   ANY REMARKS ENTERED INTO THIS SECTION MUST BE INITIALED AND DATED BY ALL
   PERSONS WHO HAVE SIGNED THIS APPLICATION IN SECTIONS 15 AND 16.

   _____________________________________________________________________________

   _____________________________________________________________________________

   _____________________________________________________________________________

   _____________________________________________________________________________

   _____________________________________________________________________________

   _____________________________________________________________________________

   _____________________________________________________________________________

   _____________________________________________________________________________

   _____________________________________________________________________________

   _____________________________________________________________________________

   _____________________________________________________________________________

   _____________________________________________________________________________

   _____________________________________________________________________________

   _____________________________________________________________________________

   _____________________________________________________________________________

   _____________________________________________________________________________

   _____________________________________________________________________________

   _____________________________________________________________________________

   _____________________________________________________________________________

   _____________________________________________________________________________

--------------------------------------------------------------------------------
   STANDARD  PRUDENTIAL ANNUITY SERVICE    OVERNIGHT  PRUDENTIAL ANNUITY SERVICE
   MAIL TO:  CENTER                        MAIL TO:   CENTER
             PO BOX 7590                              2101 WELSH ROAD
             PHILADELPHIA, PA 19101                   DRESHER, PA 19025

   If you have any questions, please call the Prudential Annuity Service Center
   at (888) 778-2888, Monday through Friday between 8:00 a.m. and 8:00 p.m.
   Eastern time.
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ORD 99730 New York-1               Page 6 of 6                        Ed. 5/2003
--------------------<PAGE>

Exhibit (4)(c)

[PRUDENTIAL FINANCIAL LOGO]
                                       PRUCO LIFE INSURANCE COMPANY
                                       Phoenix, Arizona 85014

                                       a Prudential Financial company

                                   ENDORSEMENT

This Endorsement is made a part of the Contract to which it is attached and is
effective immediately. In the case of a conflict with any provision in the
Contract, the provisions of this Endorsement will control. The following hereby
amends and supersedes the provisions of the Contract mentioned below.

We add the following new or revised definitions to the DEFINITIONS section of
the Contract:

         ADJUSTED CONTRACT VALUE: The Contract Value as of the Annuity Date,
         adjusted for any Market Value Adjustment, less any applicable Premium
         Tax Charge. The applicable Annuity Table is applied to this amount to
         determine the initial Annuity Payment.

CONTRACT SURRENDER VALUE: The Contract Value, adjusted for any Market Value
Adjustment, less any applicable Premium Tax Charge, Withdrawal Charge, optional
benefit charge or Contract Maintenance Charge.

         GUARANTEED INTEREST RATE (GIR) PERIOD: The number of years for which a
         particular Guaranteed Interest Rate is applicable to an amount
         allocated or transferred to an MVA Option.

         GUARANTEED INTEREST RATE (GIR): The interest rate applicable to an
         amount allocated or transferred to a Market Value Adjustment Option.
         The Guaranteed Interest Rate will never be less than [3%].

         MARKET VALUE ADJUSTMENT OR MVA: The amount by which any portion of
         Contract Value in an MVA Option is adjusted if withdrawn, transferred
         or annuitized at any time other than the 30-day period immediately
         following the end of the Guaranteed Interest Rate Period. A Market
         Value Adjustment can be a positive or a negative adjustment. An MVA may
         be applied even if the Contract has been continued by a surviving
         spouse under the spousal continuance provision.

         MARKET VALUE ADJUSTMENT (MVA) OPTION: An interest rate option that
         credits a declared interest rate for a stipulated period of time.
         Withdrawals or transfers may be subject to a Market Value Adjustment,
         which can be a positive or a negative adjustment. We may offer multiple
         MVA Options at any one time, each with a different interest rate and
         guarantee period. Amounts allocated or transferred to a Market Value
         Adjustment Option are held in the Separate Account identified on the
         Contract Data pages.

<PAGE>

We add the following new section to the Contract:

                      MARKET VALUE ADJUSTMENT (MVA) OPTION

         INTEREST SEGMENT: An interest segment is created whenever you allocate
         or transfer an amount to an MVA Option. You may have multiple interest
         segments associated with an MVA Option. We credit interest to the
         amount in each interest segment at the daily equivalent of the specific
         rate declared for that interest segment until the earliest of:

(1)        the date the Contract is surrendered;

                                       2

<PAGE>

(2)        the date the amount is withdrawn;

(3)        the date the amount is transferred;

(4)        the maturity date of the interest segment;

(5)        the Annuity Date; and

(6)        the date as of which a death benefit is determined.

         GUARANTEED INTEREST RATE (GIR) PERIOD: When you allocate or transfer an
         amount to an MVA Option, the option will have a GIR Period, which is
         the number of years for which the Guaranteed Interest Rate is
         applicable to that amount. The GIR Period will be a set number of
         years. We reserve the right to determine what MVA Options we will
         offer. You may not elect an MVA Option with a GIR Period that would
         mature after the Contract's Annuity Date.

         Prior to the end of a GIR Period, we will notify you, at your last
         known address, of the available MVA Options and their corresponding
         GIR Periods offered by us at that time. You have 30 days immediately
         following the end of the current GIR Period to provide us a written
         request in Good Order to elect one of the following options:

     (1)          elect that the amount in the interest segment be allocated to
                  an MVA Option with the same or different GIR Period as your
                  current GIR Period, provided that we are offering a GIR Period
                  of that duration at that time.;

     (2)          transfer the amount to another Allocation Option; or

     (3)          withdraw the amount from the Contract.

         You may elect different options for different portions of an interest
         segment, subject to the minimum amount restrictions applicable to
         withdrawals and transfers. Withdrawals from a maturing interest segment
         during this 30-day period will be subject to any applicable Withdrawal
         Charge but not the MVA. Transfers from a maturing interest segment
         during this 30-day period will not be subject to Transfer Charges or
         the MVA. If you elect to allocate the amount in a maturing interest
         segment to an MVA option with the same or different GIR period, the
         interest rate you receive will be the one available on the day we
         receive your election instructions.

         If we do not receive a written request in Good Order during the 30-day
         period immediately following the end of a GIR Period, the amount in
         that interest segment will be transferred to the money market
         subaccount at the end of the 30-day period. Amounts that you withdraw
         or transfer during the 30-day period will receive interest until the
         date of withdrawal or transfer. The interest rate will be the current
         interest rate available for an MVA Option with the same GIR Period as
         the maturing interest segment, on that segment's maturity date. If we
         do not offer such a period, the interest rate will be the current rate
         associated with the MVA Option with the shortest GIR Period available
         at the time.

         ALLOCATIONS AND TRANSFERS TO MVA OPTIONS: You may allocate up to 100%
         of your purchase payments to an MVA Option. You may transfer up to 100%
         of your Contract Value to an MVA Option, except that no transfers may
         be made from the DCA Option, and amounts held in the Fixed Rate
         Investment Option are subject to the restrictions on transfers set
         forth in the Contract. You may invest in one MVA Option or a
         combination of MVA Options

                                       3

<PAGE>

         having different GIR Periods. The minimum allocation or transfer to
         any one MVA Option is $1,000.

         MARKET VALUE ADJUSTMENT (MVA): Amounts withdrawn from an MVA Option
         (including by transfer or annuitization), prior to the end of a GIR
         Period, may be subject to a Market Value Adjustment (MVA). The MVA is
         applied as a positive or negative adjustment to the applicable portion
         of the Contract Value by multiplying the withdrawal amount before
         deduction of any applicable Withdrawal Charge by the MVA factor.

                                       4

<PAGE>

         The MVA factor is equal to:

                                   [Equation]

         where:   i   = is the Guaranteed Interest Rate currently credited
                        to this interest segment at the time of the withdrawal,
                        transfer, annuitization, or settlement;

                  j   = is the current credited interest rate at the time of the
                        withdrawal, transfer, annuitization, or settlement for
                        an MVA Option having a GIR Period equal to the number of
                        whole years remaining in this interest segment's GIR
                        Period, plus one; and

                  n   = is the number of months remaining in this interest
                        segment's GIR Period (rounded up).

         If we no longer offer a particular GIR Period, for the purpose of
         determining a rate for use in the MVA formula, we will use linear
         interpolation and the current rates of the GIR Periods closest in
         duration to those to be used in the formula. If we cannot interpolate,
         the current crediting rate for any GIR Period not being offered will be
         equal to:

     1)  the current Treasury spot rate for that GIR Period, plus

     2)  the current crediting rate for the next longer GIR Period then being
         offered, minus

     3)  the current Treasury spot rate for that next longer GIR Period.

         The current rate (j) in the MVA formula is subject to the same Minimum
         Interest Crediting Rate as the GIR.

         If the current rate (j) in the MVA formula is higher than the
         guaranteed rate (i) for an interest segment, the value of that segment
         will experience a negative MVA upon withdrawal, transfer,
         annuitization, or settlement. If the current rate (j) in the MVA
         formula is lower than the guaranteed rate (i) for an interest segment,
         the value of that segment may experience a positive MVA upon
         withdrawal, transfer, annuitization or settlement.

         A Market Value Adjustment will not be applied to a withdrawal,
         transfer, annuitization, or settlement within 30 days immediately
         following the end of a GIR Period.

         A Market Value Adjustment will not be applied to any cancellation of
         the Contract under the RIGHT TO CANCEL CONTRACT provision on the cover
         page of the Contract.

         A Market Value Adjustment will not be applied when the death benefit is
         payable.

         A Market Value Adjustment will not be applied for withdrawals after
         receipt of due proof that the Owner or Joint Owner is terminally ill,
         or has been confined to an Eligible Nursing Home or Eligible Hospital
         continuously for three months since the Contract Date.

         WITHDRAWALS FROM MVA OPTIONS: A withdrawal from an interest segment
         associated with an MVA Option, within 30 days immediately following the
         end of its GIR Period, is not subject to the MVA. You may specify the
         interest segment or MVA Option from which you would like to make a
         withdrawal. If you specify an MVA Option, but not an interest segment,
         the withdrawal will be taken from the interest segment associated with
         that MVA Option that has the least time remaining until its maturity
         date. If you request a withdrawal from your contract, and do not
         provide specific instructions, we will take the withdrawal on a
         pro-rata basis from all Allocation Options to which your Contract Value
         is allocated. In this situation, all funds in MVA Options will be
         summed and considered as one Allocation Option. The portion of the
         withdrawal associated with MVA Options will be taken from the interest
         segments with the least amount of time

                                       5

<PAGE>

         remaining until the maturity date, regardless of the GIR period. A
         withdrawal from an MVA Option may be subject to an MVA, even if the
         withdrawal is not subject to a Withdrawal Charge because it is a
         Charge-Free Amount.

         TRANSFERS FROM MVA OPTIONS:
         A transfer from an interest segment associated with an MVA Option is
         subject to an MVA unless made during the 30 days immediately following
         the end of its GIR Period. You may specify the interest segment or MVA
         Option from which you would like to make a transfer. If you specify an
         MVA Option, but not an interest segment, the transfer will be taken
         from the interest segment associated with that MVA Option that has the
         least time remaining until its maturity date. Transfers from an
         interest segment within the 30 days immediately following the end of a
         GIR Period do not count toward the maximum number of transfers which
         may be made under the Contract. Transfers from an MVA Option at any
         other time count toward the maximum number of transfers which may be
         made under the Contract and may be subject to a Transfer Charge. Any
         Transfer Charge will be deducted from the unadjusted Contract Value
         before any adjustment for the MVA. If a transfer is being made from
         more than one interest segment or MVA Option, the applicable Transfer
         Charge will be proportionally deducted from the Contract Value
         associated with each MVA Option or interest segment. Any deduction for
         Transfer Charges will be made prior to the transfer. If a Transfer
         Charge is applicable, and the full amount in an interest segment or an
         MVA Option is being transferred, the Transfer Charge will be deducted
         first from the Contract Value, and the remaining amount will then be
         transferred. If a Transfer Charge is applicable, and the amount in an
         interest segment or MVA Option is insufficient to pay the Transfer
         Charge and provide the requested transfer amount, the Transfer Charge
         will be deducted first from the unadjusted Contract Value, and the
         remaining amount will then be transferred.

         We reserve the right to defer payment for a withdrawal or transfer from
         an MVA Option for the period permitted by law, but for not more than
         six months after a request in Good Order is received by us at the
         Annuity Service Center.

Except as modified herein, all terms and conditions of the Contract remain
unchanged.

Signed for Pruco Life Insurance Company

By: /s/ Clifford E. Kirsch
   ------------------------
      Secretary

                                       6

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