The Prudential Insurance Company of America - Newark, NJ

Prudential has one of the most recognized brands in the United States. The Rock® is an icon of strength, stability, expertise and innovation*. We are known for our ability to deliver on our promises to our customers and we are recognized as one of the world's most admired companies, leveraging its business heritage of life insurance and asset management expertise. We offer our individual and institutional clients a wide array of financial products and services, including life insurance, annuities, retirement-related services, mutual funds, investment management and real estate services. And we offer these products and services through one of the largest distribution networks in the financial services industry. Prudential Financial's businesses are the second-largest life insurer in the United States (life and group combined) based on total admitted assets**.

Life insurance and annuities are issued by The Prudential Insurance Company of America and its affiliates. Securities and investment advisory products and services are offered through Pruco Securities, LLC (member SIPC). Each of the foregoing is a Prudential Financial company located in Newark, N.J., that is solely responsible for its own financial condition and contractual obligations. All guarantees are based on the claims-paying ability of the issuer. Prudential Real Estate brokerage services are offered through the independently owned and operated network of broker member franchisees of Prudential Real Estate Affiliates, Inc., a Prudential Financial company. Equal Housing Opportunity.

* Prudential's 2007 Brand Image Tracking Study
** At 12/31/07, ranking for Prudential Financial, through its life insurance companies, according to A.M. Best.

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Prudential and Matrix Direct are separate unaffiliated entities.

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