XTra Credit EIGHT Fixed Rates

Fixed Rates as of March 1, 2010. Please Note: Prudential Annuities reserves the right to change these rates at any time without notice.

CDSC is assessed on withdrawals in excess of free withdrawal amounts. See prospectus for details.

All fixed allocations are subject to a Market Value Adjustment that may increase or decrease values if surrendered or transferred prior to the end of the stated Guarantee Period.

All guarantees are based on the claims-paying ability of the issuer. The guarantees do not apply to the investment performance or safety of the underlying portfolio in the variable annuity.

Withdrawals of taxable amounts are subject to ordinary income tax and a 10% federal income tax penalty may apply prior to age 59 1/2.

Fixed Allocations may not be available in all states, are subject to change, and may differ by state.

Xtra Credit EIGHT is issued on form ASXT165/CRT (09/01) et al or a state variation thereof.

Because Xtra Credit EIGHT contains an investment credit, it may have higher fees and expenses and a longer contingent deferred sales charge (CDSC) period than other similar annuities without an investment credit. Over time, the higher expenses could be more than the value of the credits. Carefully consider the expenses along with the features to be sure this type of annuity meets your financial needs.

This material is authorized for distribution to prospective investors only when preceded or accompanies by a current  prospectus containing complete information, including information on charges, expenses, and tax consequences in relation to the specific product. It should be read carefully before investing or sending money. The prospectus is the controlling document with regard to this product. You should always consult competent tax advisors regarding the tax implications of any product, or any use of any product in your particular situation.

Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Your licensed financial professional can provide you with costs and complete details.

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