Document:

<PAGE>
                                                                   Exhibit 10.11
                                                                  EXECUTION COPY

                       AMENDMENT NO. 2 TO CREDIT AGREEMENT

      Amendment No. 2 (this "Amendment"), dated as of September 24, 2002, to the
Credit Agreement, dated as of June 30, 1999, among The BISYS Group, Inc., the
Lenders party thereto, JP Morgan Chase Bank, Bank One, NA, Wachovia Bank,
National Association and Fleet National Bank, as co-agents thereunder, and The
Bank of New York, as Administrative Agent, as amended by Amendment No.1 dated as
of September 28, 2000 (as so amended, supplemented or otherwise modified, the
"Credit Agreement").

                                    RECITALS

      A. Capitalized terms used herein which are not defined herein and which
are defined in the Credit Agreement shall have the same meanings as therein
defined.

      B. BISYS Fund Services Limited Partnership ("Fund Services") is a
registered broker-dealer and an Exempt Subsidiary and accordingly not within the
definition of a Subsidiary Guarantor. Notwithstanding the foregoing, Fund
Services executed and delivered the Guarantee Agreement. The Borrower and Fund
Services have requested the Administrative Agent to release Fund Services from
its obligations under the Guarantee Agreement and the Administrative Agent, with
the consent of the Required Lenders, is willing to so agree.

      C. The Borrower has also requested that the Administrative Agent agree to
amend the Credit Agreement upon the terms and conditions contained in this
Amendment, and the Administrative Agent, with the consent of the Required
Lenders, is willing to so agree.

      Accordingly, in consideration of the Recitals and the covenants,
conditions and agreements hereinafter set forth, and for other good and valuable
consideration, the receipt and adequacy of which are hereby acknowledged, the
Borrower and the Administrative Agent, with the consent of the Required Lenders,
hereby agree as follows:

      1. The obligations of Fund Services under the Guarantee Agreement are
released and Fund Services shall no longer be a Subsidiary Guarantor thereunder.

      2. Section 4.16(a) of the Credit Agreement is hereby amended by adding at
the end of the first sentence a new sentence to read as follows:

            Immediately before and after giving effect to the making of each
            Loan, Margin Stock will constitute less than 25% of the Borrower's
            assets as determined in accordance with Regulation U.

      3. Sections 4.17 and 6.13 of the Credit Agreement are hereby deleted in
their entirety.

      4. Section 7.8(c)(ii) is hereby amended and restated in its entirety to
read as follows:

            The Borrower may repurchase shares of its capital stock, not subject
            to or included in the limitation in subsection (i) of this
            subsection (c), in an aggregate amount not in excess of
<PAGE>
            $60,000,000 in any fiscal year on a non-cumulative basis, provided
            further that if the Borrower receives any amounts in cash during
            such fiscal year as the result of the exercise of any option granted
            to an employee of the Borrower or any of its Subsidiaries under any
            stock option or employee stock purchase plan of the Borrower, the
            portion of the foregoing $60,000,000 limitation utilized during such
            fiscal year shall be reduced by the amounts so received.

      5. Section 6.8 of the Credit Agreement is hereby amended by adding the
following subsection (c):

            The Borrower acknowledges that Lenders are subject to, among other
            laws, rules and regulations, Section 23A and Section 23B of the
            Federal Reserve Act, as amended from time to time, and hereby
            covenants and agrees not to use any Borrowing (or the proceeds
            thereof) or Letter of Credit for the specific purpose of benefiting
            or transferring any such Borrowing (or the proceeds thereof) or
            Letter of Credit to, any affiliate of any Lender, including without
            limitation, any Investment Company sponsored or organized by, or
            affiliated with any such Lender.

      6. Paragraphs 1 through 5 of this Amendment shall not be effective until
each of the following conditions is satisfied (the date, if any, on which such
conditions shall have been satisfied being referred to herein as the "Amendment
Effective Date"):

            (a) the Administrative Agent (or its counsel) shall have received
from each of the Loan Parties and the Lenders either (i) a counterpart of this
Amendment signed on behalf of such Person or (ii) written evidence satisfactory
to the Administrative Agent (which may include telecopy transmission of a signed
signature page of this Amendment) that such Person has signed a counterpart of
this Amendment;

            (b) the Administrative Agent shall have received a certificate,
dated the Amendment Effective Date and signed by the Secretary or Assistant
Secretary of the Borrower (together with a signature guaranty reasonably
satisfactory to the Administrative Agent with respect to such officer), (i)
attaching true and correct copies of all resolutions, consents and other
documents evidencing all necessary corporate action (in form and substance
reasonably satisfactory to the Administrative Agent) taken by the Borrower to
authorize this Amendment and the transactions contemplated hereby, (ii)
attaching a true and complete copy of the Borrower's Certificate of
Incorporation, the Borrower's By-laws or other organizational documents and
(iii) setting forth the incumbency of the officers of the Borrower who may sign
this Amendment and each agreement or other document executed or delivered in
connection herewith, including therein a signature specimen of each such
officer, and (iv) a certificate of good standing of the Secretary of State of
the State of Delaware with respect to the Borrower;

            (c) the Administrative Agent shall have received all fees and other
amounts due and payable on or prior to the Amendment Effective Date, including,
to the extent invoiced, reimbursement or payment of all out of pocket expenses
required to be reimbursed or paid by the Borrower hereunder; and

                                       2
<PAGE>
            (d) the Administrative Agent shall have received such other
documentation and assurances as it shall reasonably request in connection with
this Amendment and the transactions contemplated hereby.

      7. The Borrower hereby (i) reaffirms and admits the validity and
enforceability of each Loan Document and the respective obligations of the Loan
Parties thereunder, and agrees and admits that no Loan Party has any defense to
or offset against any such obligation, and (ii) represents and warrants that (x)
Fund Services is a registered broker-dealer and an Exempt Subsidiary and (y)
that no Default has occurred and is continuing (or would occur or be continuing
after giving effect to the release of Fund Services from its obligations under
the Guarantee Agreement) and that all of the respective representations and
warranties of the Loan Parties contained in the Loan Documents are true and
correct.

      8. This Amendment may be executed in any number of counterparts, each of
which shall be an original and all of which shall constitute one agreement. It
shall not be necessary in making proof of this Amendment to produce or account
for more than one counterpart signed by the party to be charged.

      This Amendment is being delivered in and is intended to be performed in
the State of New York and shall be construed and enforceable in accordance with,
and be governed by, the laws of the State of New York.

      The Credit Agreement and the Guarantee Agreement shall in all other
respects remain in full force and effect.

                            [SIGNATURE PAGES FOLLOW]

                                       3
<PAGE>
                              THE BISYS GROUP, INC.
                       AMENDMENT NO. 2 TO CREDIT AGREEMENT

      IN WITNESS WHEREOF, the parties hereto have caused this Amendment No. 2 to
be duly executed and delivered by their proper and duly authorized officers as
of the day and year first above written.

                                   THE BISYS GROUP, INC.

                                   By: /s/ Kevin J. Dell
                                      -----------------------------------------
                                   Name: Kevin J. Dell
                                   Title:   Executive Vice President
<PAGE>
                              THE BISYS GROUP, INC.
                       AMENDMENT NO. 2 TO CREDIT AGREEMENT

                                     THE BANK OF NEW YORK, individually and
                                     as Administrative Agent

                                     By: /s/ Steven L. Wexler
                                        ---------------------------------------
                                     Name: Steven L. Wexler
                                     Title: Vice President
<PAGE>
                              THE BISYS GROUP, INC.
                       AMENDMENT NO. 2 TO CREDIT AGREEMENT

                                   CONSENTED AND AGREED TO BY:

                                   JP MORGAN CHASE BANK

                                   By: /s/ Leonard D. Noll
                                      -----------------------------------------
                                   Name: Leonard D. Noll
                                  Title: Vice President
<PAGE>
                              THE BISYS GROUP, INC.
                       AMENDMENT NO. 2 TO CREDIT AGREEMENT

                                   CONSENTED AND AGREED TO BY:

                                   BANK ONE, NA

                                   By: /s/ Jeffrey Lubatkin
                                      -----------------------------------------
                                   Name: Jeffrey Lubatkin
                                   Title: Director
<PAGE>
                              THE BISYS GROUP, INC.
                       AMENDMENT NO. 2 TO CREDIT AGREEMENT

                                   CONSENTED AND AGREED TO BY:

                                   FLEET NATIONAL BANK

                                   By: /s/ Russ J. Lopinto
                                      -----------------------------------------
                                   Name: Russ J. Lopinto
                                   Title: Senior Vice President
<PAGE>
                              THE BISYS GROUP, INC.
                       AMENDMENT NO. 2 TO CREDIT AGREEMENT

                                   CONSENTED AND AGREED TO BY:

                                   PNC BANK, NATIONAL ASSOCIATION

                                   By: /s/Gary W. Wessels
                                      -----------------------------------------
                                   Name: Gary W. Wessels
                                   Title: Vice President
<PAGE>
                              THE BISYS GROUP, INC.
                       AMENDMENT NO. 2 TO CREDIT AGREEMENT

                                   CONSENTED AND AGREED TO BY:

                                   SUNTRUST BANK

                                   By: /s/ Jennifer Deatley
                                      ----------------------------------------
                                   Name: Jennifer Deatley
                                   Title:   Assistant Vice President
<PAGE>
                              THE BISYS GROUP, INC.
                       AMENDMENT NO. 2 TO CREDIT AGREEMENT

                                   CONSENTED AND AGREED TO BY:

                                   WACHOVIA BANK, NATIONAL ASSOCIATION

                                   By: /s/ Kimberly Shaffer
                                      ----------------------------------------
                                   Name: Kimberly Shaffer
                                   Title: Director
<PAGE>
                              THE BISYS GROUP, INC.
                       AMENDMENT NO. 2 TO CREDIT AGREEMENT

                                   CONSENTED AND AGREED TO BY:

                                   THE BANK OF NOVA SCOTIA

                                   By: /s/ John W. Campbell
                                      ----------------------------------------
                                   Name: John W. Campbell
                                   Title: Managing Director
<PAGE>
                              THE BISYS GROUP, INC.
                       AMENDMENT NO. 2 TO CREDIT AGREEMENT

                                   CONSENTED AND AGREED TO BY:

                                   BISYS FINANCING COMPANY
                                   UNIVERSAL PENSION, INC.
                                   ASCENSUS INSURANCE SERVICES, INC.
                                   BISYS FUND SERVICES OHIO, INC.
                                   BISYS FUND SERVICES, INC.
                                   BISYS INSURANCE SERVICES, INC.
                                   BISYS, INC.
                                   BISYS DOCUMENT SOLUTIONS, INC.
                                   BISYS EDUCATION SERVICES, INC.
                                   POTOMAC INSURANCE MARKETING GROUP INC.

                                   AS TO EACH OF THE FOREGOING:

                                    By: /s/ Kevin J. Dell
                                        --------------------------------------
                                    Name: Kevin J. Dell
                                    Title:    Executive Vice President

                                   CONSENTED AND AGREED TO BY:

                                   BISYS INFORMATION SOLUTIONS L.P.

                                   By:    BISYS, INC., General Partner

                                    By: /s/ Kevin J. Dell
                                        --------------------------------------
                                    Name: Kevin J. Dell
                                    Title:    Executive Vice President

                                   BISYS DOCUMENT SOLUTIONS, L.P.

                                   By:    BISYS DOCUMENT SOLUTIONS, INC.,
                                          General Partner

                                    By: /s/ Kevin J. Dell
                                       ---------------------------------------
                                    Name: Kevin J. Dell
                                    Title:    Executive Vice President
<PAGE>
                              THE BISYS GROUP, INC.
                       AMENDMENT NO. 2 TO CREDIT AGREEMENT

                                   BISYS RETIREMENT SERVICES LP

                                   By:    BPS (GP) INC., General Partner

                                    By: /s/ Kevin J. Dell
                                        --------------------------------------
                                    Name: Kevin J. Dell
                                    Title:    Executive Vice President

                                   THE TONER ORGANIZATION, INC.
                                   LIFE BROKERAGE CORPORATION
                                   BISYS PLAN SERVICES, INC.
                                   HARRISON JAMES, INC.
                                   HEMISPHERE FINANCIAL SERVICES, INC.
                                   BISYS MANAGEMENT COMPANY
                                   DALTON PUBLICATIONS, LLC

                                    AS TO EACH OF THE FOREGOING:

                                    By: /s/ Kevin J. Dell
                                        --------------------------------------
                                    Name: Kevin J. Dell
                                    Title:    Executive Vice President<PAGE>
                                                                    Exhibit 4(a)

Pruco Life Insurance Company,                             Strategic Partners(SM)
a Prudential Financial company               Guaranteed Rate Annuity Application

            On these pages, I, you, and your refer to the contract owner(s).
            We,us, and our refer to the Pruco Life Insurance Company.

[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 IRS Code 501

              [ ] Trust acting as agent for an individual under IRS 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  B.   [ ] U.S. citizen
                  [ ] Male         [ ]Resident alien

                                   [ ] I am not a U.S. person (including
                                       resident alien). I am a citizen of

                                   ---------------------------------------------
                      Attach the applicable IRS Form W-8(BEN, ECI, EXP, IMY).

[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  B.   [ ] U.S. citizen
                   [ ] Male         [ ]Resident alien

                                    [ ] I am not a U.S. person (including
                                        resident alien). I am a citizen of

                                    --------------------------------------------

[3]ANNUITANT
   INFORMATION
   Do not
   complete this
   section 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  B. [ ] U.S. citizen
                 [ ] Male       [ ] Resident alien

                                [ ] I am not a U.S. person (including
                                    resident alien). I am a citizen of

                                ------------------------------------------------

Pruco Corporate Office: Pruco Life Insurance Company, Phoenix, AZ 85014

ORD 99720                         Page 1 of 5                         Ed. 1/2003
<PAGE>
[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  B. [ ] U.S. citizen
                 [ ] Male       [ ] Resident alien

                                [ ] I am not a U.S. person (including resident
                                    alien). I am a citizen of

                                ------------------------------------------------

[5] BENEFICIARY
    INFORMATION

              If joint owners, do not designate a Primary Beneficiary. The
              joint owners will be each other's sole Primary beneficiary.

              [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

              ------------------------------------------------------------------

              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

              ------------------------------------------------------------------

              PLEASE ADD ADDITIONAL BENEFICIARIES IN SECTION 12.

[6]TYPE OF
   PLAN AND
   SOURCE OF
   FUNDS
   Contract
   minimum of
   $5,000.
              PLAN TYPE. Check only one:

              [ ] Non-qualified [ ] Traditional IRA [ ] Roth IRA/Custodial
                                [ ] Custodial account (PSI only)

              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 or Roth 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:

              $        ,         ,    .
              ------------------------------------------------------------------
              [ ] Roth Conversion IRA, establishment date:*

              month   day  year
              ------------------------------------------------------------------
                *This is the date you originally converted from a traditional
                 IRA to a Roth Conversion IRA. (If omitted, the current tax year
                 will be used.) This is required for the IRA five-tax year,
                 holding period requirement.

              A CONVERSION FROM A TRADITIONAL IRA TO A ROTH CONVERSION IRA WILL
              RESULT IN A TAXABLE EVENT WHICH WILL BE REPORTED TO THE INTERNAL
              REVENUE SERVICE.

[7] GUARANTEE  Please choose only one:
    PERIOD

              [ ]3 years        [ ] 7 years

              [ ]5 years        [ ] 10 years

ORD 99720                          Page 2 of 5                         Ed.1/2003
<PAGE>
[8]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 Notice Regarding
                  Replacement form (COMB 89216), whether or not this transaction
                  is considered 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)

              ------------------------------------------------------------------

              FOR VIRGINIA ONLY:
              X
              ------------------------------------------------------------------
              Contract owner's signature and date          month   day    year

              ------------------------------------------------------------------

REPRESEN-     THIS QUESTION MUST BE COMPLETED BY THE REPRESENTATIVE.
TATIVE'S
QUESTION      Do you have, from any source, facts that any person named as the
              owner or joint owner above is replacing or changing any current
              insurance or annuity in any company?

              [ ] Yes  [ ] No

              FOR VIRGINIA ONLY:
              X
              ------------------------------------------------------------------
              Representative's signature and date           month    day    year

              ------------------------------------------------------------------

[9]SIGNATURE(S)

              If applying for an IRA or Roth 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, 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.

              [ ] If this contract has a joint owner, please check this box to
                  authorize Prudential to act on the instruction(s) of either
                  the owner or joint owner with regard to transactions under the
                  contract.
              [ ] 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.

              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 the
              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.

                                                                     (continued)

ORD 99720                          Page 3 of 5                        Ed. 1/2003
<PAGE>
[9] SIGNATURE(S)
   (continued)

              I UNDERSTAND THAT THE PURCHASE PAYMENT WILL BE SUBJECT TO A MARKET
              VALUE ADJUSTMENT IF THERE IS A WITHDRAWAL, ANNUITIZATION, OR
              SETTLEMENT ON ANY DATE OTHER THAN WITHIN THE 30 DAY PERIOD
              IMMEDIATELY PRECEDING THE END OF THE GUARANTEE PERIOD. 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 have read the applicable fraud warning for my state
              listed in section 11.

              I acknowledge receipt of the current prospectus.

                SIGNED BY THE CONTRACT OWNER 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 (select 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

              ------------------------------------------------------------------

[10]REPRESEN-
    TATIVE'S
    SIGNATURE(S)

              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 (including the representative's replacement
              question in section 8) is true to the best of his or her
              knowledge.

                ----------------------------------------------
                Representative's name (Please print)

                Agency code      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

                FOR FLORIDA ONLY:

              ------------------------------------------------------------------
              Rep's Florida license number   Second rep's Florida license number

ORD 99720                          Page 4 of 5                        Ed. 1/2003
<PAGE>
[11] FRAUD
    WARNINGS

              CONNECTICUT: Any person who knowingly gives false or deceptive
              information when completing this form for the purpose of
              defrauding the company may be guilty of insurance fraud. This is
              to be determined by a court of competent jurisdiction.

              COLORADO: It is unlawful to knowingly provide false, incomplete,
              or misleading facts or information to an insurance company for the
              purpose of defrauding or attempting to defraud the company.
              Penalties may include imprisonment, fines, denial of insurance,
              and civil damages. Any insurance company or agent of an insurance
              company who knowingly provides false, incomplete, or misleading
              facts or information to a policy holder or claimant for the
              purpose of defrauding or attempting to defraud the policy holder
              or claimant with regard to a settlement or award payable from
              insurance proceeds shall be reported to the Colorado Division of
              Insurance within the Department of Regulatory Agencies.

              FLORIDA: Any person who knowingly and with intent to injure,
              defraud, or deceive any insurer, files a statement of claim or an
              application containing any false, incomplete, or misleading
              information, is guilty of a felony of the third degree.

              NEW JERSEY: Any person who includes any false or misleading
              information on an application for an insurance policy is subject
              to criminal and civil penalties.

              NEW MEXICO: Any person who knowingly presents a false or
              fraudulent claim for payment of a loss or benefit or knowingly
              presents false information in an application for insurance is
              guilty of a crime and may be subject to civil fines and criminal
              penalties.

              OKLAHOMA: WARNING - Any person who knowingly, and with intent to
              injure, defraud or deceive any insurer, makes any claim for the
              proceeds of an insurance policy containing any false, incomplete
              or misleading information is guilty of a felony.

              PENNSYLVANIA: Any person who knowingly and with intent to defraud
              any insurance company or other person files an application for
              insurance or statement of claim containing any materially false
              information or conceals for the purpose of misleading, information
              concerning any fact material thereto commits a fraudulent
              insurance act, which is a crime and subjects such person to
              criminal and civil penalties.

              VIRGINIA: Any person who, with the intent to defraud or knowing
              that he is facilitating a fraud against an insurer, submits an
              application or files a claim containing a false or deceptive
              statement may have violated state law.

              ALL OTHER STATES: Any person who knowingly gives false or
              deceptive information when completing this form for the purpose of
              defrauding the company may be guilty of insurance fraud.

[11] ADDITIONAL
     REMARKS

              ------------------------------------------------------------------

              ------------------------------------------------------------------

              ------------------------------------------------------------------

              ------------------------------------------------------------------

              ------------------------------------------------------------------

              ------------------------------------------------------------------

              ------------------------------------------------------------------

<TABLE>
<S>                                                                 <C>
              STANDARD   PRUDENTIAL ANNUITY SERVICE CENTER     OVERNIGHT  PRUDENTIAL ANNUITY SERVICE CENTER
              MAIL TO:   PO BOX 7590                           MAIL TO:   2101 WELSH ROAD
                         PHILADELPHIA, PA 19101                           DRESHER, PA 19025
</TABLE>

              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.

ORD 99720                          Page 5 of 5                        Ed. 1/2003

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00043-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00043-of-00352.parquet"}]]