Prudential Annuities Business Continuity Plan Summary

Preparation is Essential
It is now more important than ever that companies take steps to prepare for unexpected and potentially debilitating events such as natural disasters, power and/or network outages and fires. Prudential Annuities Distributors, Inc. (“PAD”) wants its customers and business partners to know that it has developed comprehensive business continuity plans designed to minimize the effects of significant business disruptions that might result from such incidents. PAD considers this preparation a serious and critical part of its business. The company has taken extensive time to plan and document the appropriate measures to address these events.

Our Business
As a broker-dealer, PAD's primary function is to serve as distributor of variable annuities products sold through third party broker-dealers (“B/D”). As the distributing B/D, PAD does not hold customer accounts nor does it process customer trades. Customer transactions are generally sent directly to the insurer where they are processed. The insurance company will set up the appropriate contracts and the insurer's administrative systems will house all relevant information on the underlying transactions.

Access to Extensive Resources
PAD, as part of Prudential Financial, Inc., has access to extensive resources, including alternate physical locations from which to conduct business should a disruption occur, as well as systems resources to provide state-of-the-art disaster recovery planning. Because PAD conducts its business activities from multiple locations, it has made arrangements to relocate associates to one of several backup sites in the event a primary work location is unavailable. For example, in the event of:

      A Disruption To A Single PAD Office
Impacted associates whose functions are deemed critical would report to a designated recovery site, which is designed to be operational within 48 hours of the declaration of a disruptive event. Essential information systems and data would be restored and made available as a result of regularly tested backup and recovery procedures.
 
      A Disruption To A Business District or City
Certain designated backup sites may be located within the same business district or city as a primary work location. In the event one or more backup sites are unavailable, impacted associates would utilize an alternate site outside the business district or city. For example, associates from PAD's office in New Jersey may be directed to one of several other proprietary or third-party vendor locations in New Jersey or other states, depending on availability. The associates in the PAD offices in CT may be redirected to other alternate sites.
 
      A Disruption To An Entire Region
As discussed above, multiple backup locations are typically available to PAD associates in the event of a disruptive event. In the event no designated site is available due to a large-scale disruptive event that affects an entire region, it may be necessary for PAD to suspend operations until alternate arrangements can be made. As discussed in PAD's Business Continuity Plan, PAD will maintain communications with and assist its customers and business partners to the best of its ability under such circumstances.

Market Closing
Certain PAD businesses may be dependent on the availability of US markets and trading facilities. For example, PAD may be unable to complete annuities transactions if the New York Stock Exchange is not operational.

Systems Recovery
PAD utilizes a network of systems and data that is supported by Prudential Financial's Information Technology (IT) organization. Applications are backed-up frequently and critical transactions are replicated in real time at an alternate data center. In addition, backup and recovery procedures are documented in comprehensive written plans that are updated and tested on a regular basis. It is important to PAD that all necessary customer information be maintained and communicated as anticipated, regardless of unexpected events. This includes the issuance of automatic statements and customer communications, as well as the continuation of any automatic disbursements or customer account transactions.

Our Commitment
PAD is committed to meeting its obligations to customers and business partners. Its business continuity plans may change from time to time. PAD will post important information regarding its business continuity plans on the Prudential Annuities website (www.prudentialannuities.com). In addition, you may obtain a written copy of this notice by writing to Prudential Financial, attn: PAD Chief Operations Officer at One Corporate Drive, Shelton, CT 06484.

Investors should consider the contract and the underlying portfolios’ investment objectives, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectuses. You should read the prospectuses carefully before investing.

Annuities are issued by Prudential Annuities Life Assurance Corporation. Securities products are distributed by Prudential Annuities Distributors, Inc. Both Prudential Financial companies are located in Shelton, CT. Each is solely responsible for its financial condition and contractual obligations.

Prudential Annuities is a business unit of Prudential Financial.

Wachovia Corporation is the majority owner and Prudential Financial, indirectly through subsidiaries, is a minority owner of Wachovia Securities, LLC.

Prudential, Prudential Financial, the Rock logo, and the Rock Prudential logo are registered service marks of The Prudential Insurance Company of America and its affiliates.

© Copyright 2008 Prudential Financial, Inc. All Rights Reserved.


IFS-A135447 Ed. 08/2008