Prudential Financial

Prudential IncomeFlex^®

IncomeFlex lets you keep investing in the market, but without the threat that losses may impact your income.

And it provides a guaranteed stream of income—based on the Income Base that you accumulate under your plan—that will continue for the rest of your life.

While You're Saving ¹
IncomeFlex helps you build an Income Base from your retirement plan that helps you lock-in a lifetime stream of income. This income base is determined by taking the highest of three values:

Guaranteed Income Growth Value — You're protected against market downturns. Your income base is guaranteed to never grow less than five percent each year, regardless of investment performance.

Highest Birthday Value — You can capture potential market upswings. On each of your birthdays IncomeFlex will compare your current Market Value against those from previous birthdays. Whenever your Market Value is higher, your Highest Birthday Value will be reset to the higher value.

Market Value — If it's higher than the other values at the time you decide to lock-in your Guaranteed Annual Withdrawal Amount, IncomeFlex will offer you the Market Value of your Income Base.

While You're Taking Income ²
Your IncomeFlex protection doesn't stop once you start taking withdrawals. It continues for the rest of your life.

Guaranteed Income — You can withdraw five percent of your final Income Base every year—for the rest of your life—even if investment performance causes your IncomeFlex Market Value to go to zero. And even if your guaranteed withdrawals cause the Income Base to run out.

Income May Increase — If the Market Value of your IncomeFlex funds ever increases above your Income Base on any of your birthdays, your lifetime income may increase.

¹ Please keep in mind that withdrawals from the IncomeFlex funds before you begin taking guaranteed income payments will reduce your Income Base proportionately. Prior to requesting a withdrawal, you should carefully review the long-term impact it may have on your IncomeFlex guarantees.

² You can't begin taking Lifetime Annual Withdrawals until age 55 and separated from service. If you begin withdrawals between ages 55 and 64, you'll lock-in withdrawals of 4 percent of your Income Base each year. If you wait until age 65, you'll lock-in withdrawals of 5 percent of your Income Base. Distributions can be delayed until the year in which you reach

³ There is an additional fee of 0.50 percent for this benefit. The availability and amount of the IncomeFlex benefit is based on the age of the younger of you and your spouse.

Prudential Retirement does not (and cannot) guarantee account balances.

Prudential IncomeFlex Funds are separate accounts available under group variable annuity contracts issued by Prudential Retirement Insurance and Annuity Company (PRIAC). PRIAC does not provide any guarantee of the investment performance or return of contributions to those separate accounts. PRIAC’s guarantee of certain withdrawals is supported by PRIAC’s general account and is contingent on its claims paying ability. Guarantees are subject to certain limitations, terms and conditions. Investors should consider the objectives, risks, charges and expenses of the funds and guarantee features before investing.

You should carefully review the Prudential IncomeFlex Important Considerations before investing.

Indirectly through subsidiaries, Prudential Financial Inc. owns 38%, and Wachovia Corporation owns 62%, of Wachovia Securities, LLC.

Product availability and terms may vary by jurisdiction. Subject to regulatory approvals.

Prudential Retirement and Prudential Financial are registered service marks of The Prudential Insurance Company of America, Newark, NJ and its affiliates. Prudential Retirement is a Prudential Financial business.

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