Common use of RIGHT TO CANCEL CONTRACT Clause in Contracts

RIGHT TO CANCEL CONTRACT. You may return this contract to us within (1) 10 days after you get it, or (2) 45 days after Part 1 of the application was signed, or (3)10 days after we mail the Notice of Withdrawal Right, whichever is latest. All you have to do is take the contract or mail it to one of our offices or to the representative who sold it to you. It will be canceled from the start and we will give back your money promptly. Signed for Pruco Life Insurance Company, an Arizona Corporation. /s/ [SPECIMEN] /s/ [SPECIMEN] Secretary President Variable Life Insurance Policy. Insurance payable only upon death. Fixed premiums payable during Insured's lifetime. Benefits reflect investment results. Guaranteed minimum death benefit if premiums duly paid and no contract debt. Nonparticipating. CONTRACT SUMMARY We offer this summary to help you understand this contract. We do not intend that it change any of the provisions of the contract. This is a contract of life insurance. Premiums are to be paid throughout the Insured's lifetime. The insurance amount and the net cash value will vary with the investment performance of those subaccounts of the Pruco Life Variable Insurance Account that you select. But, except as we state in the next sentence, the insurance amount will never be less than the face amount. If a premium is not paid before its days of grace are over, the contract may end or it may stay in force with reduced benefits. If either occurs, you may be able to reinstate it. Proceeds is a word we use to mean the amount we would pay if we were to settle the contract in one sum. To compute the proceeds that may arise from the Insured's death, we start with a basic amount. We may adjust that amount if there is a loan, a premium in default, or a premium paid (but not waived under a waiver of premium benefit, if any) for a period past the date of death. The table on page 19 tells you how we adjust the basic amount. If you surrender the contract, the proceeds will be the net cash value. We describe it under Cash Value Option on page 11. Proceeds often are not taken in one sum. For instance, on surrender, you may be able to put proceeds under a settlement option to provide retirement income or for some other purpose. Also, for all or part of the proceeds that arise from the Insured's death, you may be able to choose a manner of payment to fit the beneficiary's expected needs. If the Insured dies, and a manner of payment has not been chosen, the beneficiary may be able to choose one. We will pay interest under Option 3 from the date of death on any proceeds to which no other manner of payment applies. This will be automatic as we state on page 18. There is no need to ask for it. You and we may agree on a change in the ownership of this contract. Also, unless we endorse it to say otherwise, the contract gives you these rights, among others: o You may change the beneficiary under it. o You may change the allocation of future net premiums among the subaccounts. o You may transfer amounts among subaccounts. o You may borrow on it up to its loan value. o You may surrender it for its net cash value. The contract, as issued, may or may not have extra benefits that we call Supplementary Benefits. If it does, we list them under Supplementary Benefits on the Contract Data page(s) and describe them after page 18. The contract may or may not have other extra benefits. If it does, we add them by rider. Any extra benefit ends as soon as any premium is in default past its days of grace, unless the form that describes it states otherwise. (Contract Summary Continued on Page 191 CONTRACT DATA INSURED'S SEX AND ISSUE AGE M-35 RATING CLASS STANDARD INSURED XXXX XXX XX XXX XXX POLICY NUMBER NOV 15, 1982 CONTRACT DATE FACE AMOUNT $25,000-- PREMIUM PERIOD LIFE AGENCY R-NK 1 BENEFICIARY CLASS 1 XXXX XXX, WIFE CLASS 2 XXXXXX XXX, SON LIST OF SUPPLEMENTARY BENEFITS ***** NONE ***** CONTRACT DATA CONTINUED ON NEXT PAGE POLICY NO. XX XXX XXX CONTRACT DATA CONTINUED SCHEDULE OF PREMIUMS DUE DATES OF CONTRACT PREMIUMS OCCUR ON THE CONTRACT DATE AND AT INTERVALS OF 6 MONTHS AFTER THAT DATE. CONTRACT PREMIUMS ARE $208.00 EACH DURING THE FIRST CONTRACT YEAR. EACH CONTRACT PREMIUM ALSO INCLUDES AN ISSUE CHARGE INSTALMENT OF $63.00. ***** END OF SCHEDULE ***** TABLE OF NET PREMIUMS WE USE NET PREMIUMS TO COMPUTE CASH VALUES FOR THIS CONTRACT (SEE PAGE 11). A NET PREMIUM APPLIES TO EACH DATE FOR WHICH A CONTRACT PREMIUM APPLIES. THE NET PREMIUMS THAT APPLY TO THIS CONTRACT ARE: DURING CONTRACT YEAR NET PREMIUM 1 $863.75 EACH 2-4 $164.75 EACH 5-20 $173.75 EACH 21 AND LATER $174.75 EACH ***** END OF TABLE ***** CONTRACT DATA CONTINUED ON NEXT PAGE PAGE 3A (83) II-35 POLICY NO. XX XXX XXX CONTRACT DATA CONTINUED LIST OF SUBACCOUNTS AND PORTFOLIOS EACH SUBACCOUNT OF THE PRUCO LIFE VARIABLE INSURANCE ACCOUNT INVESTS IN A SPECIFIC PORTFOLIO OF THE FUND WE SHOW BELOW. WE ALSO SHOW THE SUBACCOUNTS AND THE PORTFOLIOS THEY INVEST IN. IF WE CONSENT, YOU MAY ALSO ALLOCATE ALL OR PART OF YOUR INVESTED PREMIUM AMOUNT TO, OR TRANSFER AMOUNTS INTO OR OUT OF, THE REAL ESTATE VLI SUB-ACCOUNT OF THE PRUCO LIFE REAL PROPERTY ACCOUNT. FUND: ----- PRUCO LIFE SERIES FUND, INC. SUBACCOUNT PORTFOLIO ---------- --------- MONEY MARKET MONEY MARKET BOND BOND COMMON STOCK COMMON STOCK INITIAL ALLOCATION OF NET PREMIUMS MONEY MARKET SUBACCOUNT 40% BOND SUBACCOUNT 20% COMMON STOCK SUBACCOUNT 40% ***** END OF LIST ***** SERVICE OFFICE -- PLEASE DIRECT ANY COMMUNICATIONS ABOUT THIS CONTRACT TO: PRUCO LIFE INSURANCE COMPANY, X.X. XXX XXXX, XXXX, XXXXX XXXXX. VL M--35 POLICY NO. XX XXX XXX TABULAR CASH VALUES WE EXPLAIN THIS TABLE UNDER TABULAR VALUES. NET CASH VALUES MAY BE MORE OR LESS THAN AMOUNTS SHOWN (SEE CASH VALUE OPTION). END OF END OF CONTRACT CASH CONTRACT CASH ATTAINED CASH YEAR VALUE YEAR VALUE AGE VALUE 1 $ 76.00 11 $3,393.00 60 $ 9,379.00 2 360.00 12 3,774.25 62 10,319.50 3 651.75 13 4,163.75 65 11,738.00 4 951.00 14 4,562.00 5 1,276.00 15 4,968.25 6 1,608.75 16 5,382.50 7 1,949.50 17 5,804.00 8 2,298.25 18 6,231.75 9 2,655.00 19 6,665.00 10 3,020.00 20 7,103.50 POLICY NO. XX XXX XXX TABLE OF NET SINGLE PREMIUMS FOR $1 OF VARIABLE INSURANCE AMOUNT OR REDUCED PAID-UP AMOUNT THESE NET SINGLE PREMIUMS APPLY ON THE CONTRACT ANNIVERSARY WHEN THE INSURED'S ATTAINED AGE IS AS SHOWN. TO CALCULATE VALUES AT OTHER TIMES WE CONSIDER THE TIME ELAPSED SINCE THE LAST CONTRACT ANNIVERSARY. NET NET NET ATTAINED SINGLE ATTAINED SINGLE ATTAINED SINGLE AGE PREMIUM AGE PREMIUM AGE PREMIUM 35 $.25596 60 $.54046 85 $ .85064 36 .26455 61 .55426 86 .85911 37 .27340 62 .56813 87 .86718 38 .28250 63 .58205 88 .87496 39 .29185 64 .59597 89 .88256 40 .30144 65 .60986 90 .89014 41 .31126 66 .62371 91 .89787 42 .32131 67 .63752 92 .90599 43 .33161 68 .65130 93 .91476 44 .34214 69 .66506 94 .92440 45 .35292 70 .67876 95 .93510 46 .36393 71 .69237 96 .94681 47 .37518 72 .70579 97 .95911 48 .36669 73 .71895 98 .97113 49 .39844 74 .73177 99 .98021 50 .41045 75 .74420 100 1.00000 51 .42268 76 .75623 52 .43513 77 .76791 53 .44776 78 .77929 54 .46057 79 .79043 55 .47352 80 .80134 56 .48661 81 .81199 57 .49985 82 .82233 58 .51324 83 .83226 59 .52678 84 .84170 [LOGO] PAGE 4A (VL-83-M) ENDORSEMENTS (Only we can endorse this contract.) GENERAL PROVISIONS

RIGHT TO CANCEL CONTRACT. You This Contract may return this contract to us be returned within (1) 10 days after you get receive it. It can be mailed or delivered to either us, at the Annuity Service Center, or the representative who sold it to you. Return of this Contract by mail is effective on being postmarked, properly addressed and postage prepaid. The returned Contract will be cancelled upon our receipt, and we will return an amount equal to (2A) 45 days after Part 1 the portion of the application was signedPurchase Payment(s), including any fees or other charges, allocated to any of the Interest Rate Investment Options, and (3)10 days after we mail B) the Notice sum of Withdrawal Right(i) the difference between Purchase Payments received, whichever including any fees or other charges, and the amount(s) allocated to the Variable Investment Options under the Contract, and (ii) the Contract Value as of the date the Contract is latest. All you have mailed or delivered to do is take the contract or mail it to one of our offices us or to the representative who sold it to you. It If you exercise your Right to Cancel the Contract, the entire Credit will be canceled from the start and we will give back your money promptlyrecaptured. AFTER THE RIGHT TO CANCEL PERIOD ENDS, WE RESERVE THE RIGHT TO RECAPTURE ANY CREDIT THAT WE GRANTED EITHER WITHIN ONE YEAR PRIOR TO THE OWNER'S DEATH OR AFTER THE OWNER'S DEATH. READ YOUR CONTRACT CAREFULLY Signed for Pruco Life Insurance CompanyCompany of New Jersey, an Arizona A New Jersey Corporation. /s/ [SPECIMEN] CLIFFORD E. KIRSCH /s/ [SPECIMEN] VIVIAN BANTA Secretary President Variable Life Insurance PolicyINDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT NONPARTICIPATING ANNUITY PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO DOLLAR AMOUNT. Insurance payable only upon death. Fixed premiums payable during Insured's lifetime. Benefits reflect investment results. Guaranteed minimum death benefit if premiums duly paid and no contract debt. Nonparticipating. CONTRACT SUMMARY We offer this summary to help you understand this contract. We do not intend that it change any of the provisions of the contract. This is a contract of life insurance. Premiums are to be paid throughout the Insured's lifetime. The insurance amount and the net cash value will vary with the investment performance of those subaccounts of the Pruco Life Variable Insurance Account that you select. But, except as we state in the next sentence, the insurance amount will never be less than the face amount. If a premium is not paid before its days of grace are over, the contract may end or it may stay in force with reduced benefits. If either occurs, you may be able to reinstate it. Proceeds is a word we use to mean the amount we would pay if we were to settle the contract in one sum. To compute the proceeds that may arise from the Insured's death, we start with a basic amount. We may adjust that amount if there is a loan, a premium in default, or a premium paid (but not waived under a waiver of premium benefit, if any) for a period past the date of death. The table on page 19 tells you how we adjust the basic amount. If you surrender the contract, the proceeds will be the net cash value. We describe it under Cash Value Option on page 11. Proceeds often are not taken in one sum. For instance, on surrender, you may be able to put proceeds under a settlement option to provide retirement income or for some other purpose. Also, for all or part of the proceeds that arise from the Insured's death, you may be able to choose a manner of payment to fit the beneficiary's expected needs. If the Insured dies, and a manner of payment has not been chosen, the beneficiary may be able to choose one. We will pay interest under Option 3 from the date of death on any proceeds to which no other manner of payment applies. This will be automatic as we state on page 18. There is no need to ask for it. You and we may agree on a change in the ownership of this contract. Also, unless we endorse it to say otherwise, the contract gives you these rights, among others: o You may change the beneficiary under it. o You may change the allocation of future net premiums among the subaccounts. o You may transfer amounts among subaccounts. o You may borrow on it up to its loan value. o You may surrender it for its net cash value. The contract, as issued, may or may not have extra benefits that we call Supplementary Benefits. If it does, we list them under Supplementary Benefits on the Contract Data page(s) and describe them after page 18. The contract may or may not have other extra benefits. If it does, we add them by rider. Any extra benefit ends as soon as any premium is in default past its days of grace, unless the form that describes it states otherwise. (Contract Summary Continued on Page 191 TABLE OF CONTENTS CONTRACT DATA INSURED'S SEX AND ISSUE AGE M-35 RATING CLASS STANDARD INSURED XXXX XXX XX XXX XXX POLICY NUMBER NOV 15, 1982 CONTRACT DATE FACE AMOUNT $25,000-- PREMIUM PERIOD LIFE AGENCY R-NK 1 BENEFICIARY CLASS 1 XXXX XXX, WIFE CLASS 2 XXXXXX XXX, SON LIST OF SUPPLEMENTARY BENEFITS ***** NONE ***** CONTRACT DATA CONTINUED ON NEXT PAGE POLICY NO. XX XXX XXX CONTRACT DATA CONTINUED SCHEDULE OF PREMIUMS DUE DATES OF CONTRACT PREMIUMS OCCUR ON THE CONTRACT DATE AND AT INTERVALS OF 6 MONTHS AFTER THAT DATE. CONTRACT PREMIUMS ARE $208.00 EACH DURING THE FIRST CONTRACT YEAR. EACH CONTRACT PREMIUM ALSO INCLUDES AN ISSUE CHARGE INSTALMENT OF $63.00. ***** END OF SCHEDULE ***** TABLE OF NET PREMIUMS WE USE NET PREMIUMS TO COMPUTE CASH VALUES FOR THIS CONTRACT (SEE PAGE 11). A NET PREMIUM APPLIES TO EACH DATE FOR WHICH A CONTRACT PREMIUM APPLIES. THE NET PREMIUMS THAT APPLY TO THIS CONTRACT ARE: DURING CONTRACT YEAR NET PREMIUM 1 $863.75 EACH 2-4 $164.75 EACH 5-20 $173.75 EACH 21 AND LATER $174.75 EACH ***** END OF TABLE ***** CONTRACT DATA CONTINUED ON NEXT PAGE PAGE 3A (83) II-35 POLICY NO. XX XXX XXX CONTRACT DATA CONTINUED LIST OF SUBACCOUNTS AND PORTFOLIOS EACH SUBACCOUNT OF THE PRUCO LIFE VARIABLE INSURANCE ACCOUNT INVESTS IN A SPECIFIC PORTFOLIO OF THE FUND WE SHOW BELOW. WE ALSO SHOW THE SUBACCOUNTS AND THE PORTFOLIOS THEY INVEST IN. IF WE CONSENT, YOU MAY ALSO ALLOCATE ALL OR PART OF YOUR INVESTED PREMIUM AMOUNT TO, OR TRANSFER AMOUNTS INTO OR OUT OF, THE REAL ESTATE VLI SUB-ACCOUNT OF THE PRUCO LIFE REAL PROPERTY ACCOUNT. FUND: ----- PRUCO LIFE SERIES FUND, INC. SUBACCOUNT PORTFOLIO ---------- --------- MONEY MARKET MONEY MARKET BOND BOND COMMON STOCK COMMON STOCK INITIAL ALLOCATION OF NET PREMIUMS MONEY MARKET SUBACCOUNT 40% BOND SUBACCOUNT 20% COMMON STOCK SUBACCOUNT 40% ***** END OF LIST ***** SERVICE OFFICE -- PLEASE DIRECT ANY COMMUNICATIONS ABOUT THIS CONTRACT TO: PRUCO LIFE INSURANCE COMPANY, X.X. XXX XXXX, XXXX, XXXXX XXXXX. VL M--35 POLICY NO. XX XXX XXX TABULAR CASH VALUES WE EXPLAIN THIS TABLE UNDER TABULAR VALUES. NET CASH VALUES MAY BE MORE OR LESS THAN AMOUNTS SHOWN (SEE CASH VALUE OPTION). END OF END OF CONTRACT CASH CONTRACT CASH ATTAINED CASH YEAR VALUE YEAR VALUE AGE VALUE 1 $ 76.00 11 $3,393.00 60 $ 9,379.00 2 360.00 12 3,774.25 62 10,319.50 PAGES..........................................................3 651.75 13 4,163.75 65 11,738.00 4 951.00 14 4,562.00 5 1,276.00 15 4,968.25 6 1,608.75 16 5,382.50 7 1,949.50 17 5,804.00 8 2,298.25 18 6,231.75 9 2,655.00 19 6,665.00 10 3,020.00 20 7,103.50 POLICY NO. XX XXX XXX TABLE OF NET SINGLE PREMIUMS FOR $1 OF VARIABLE INSURANCE AMOUNT OR REDUCED PAID-UP AMOUNT THESE NET SINGLE PREMIUMS APPLY ON THE CONTRACT ANNIVERSARY WHEN THE INSURED'S ATTAINED AGE IS AS SHOWN. TO CALCULATE VALUES AT OTHER TIMES WE CONSIDER THE TIME ELAPSED SINCE THE LAST CONTRACT ANNIVERSARY. NET NET NET ATTAINED SINGLE ATTAINED SINGLE ATTAINED SINGLE AGE PREMIUM AGE PREMIUM AGE PREMIUM 35 $.25596 60 $.54046 85 $ .85064 36 .26455 61 .55426 86 .85911 37 .27340 62 .56813 87 .86718 38 .28250 63 .58205 88 .87496 39 .29185 64 .59597 89 .88256 40 .30144 65 .60986 90 .89014 41 .31126 66 .62371 91 .89787 42 .32131 67 .63752 92 .90599 43 .33161 68 .65130 93 .91476 44 .34214 69 .66506 94 .92440 45 .35292 70 .67876 95 .93510 46 .36393 71 .69237 96 .94681 47 .37518 72 .70579 97 .95911 48 .36669 73 .71895 98 .97113 49 .39844 74 .73177 99 .98021 50 .41045 75 .74420 100 1.00000 51 .42268 76 .75623 52 .43513 77 .76791 53 .44776 78 .77929 54 .46057 79 .79043 55 .47352 80 .80134 56 .48661 81 .81199 57 .49985 82 .82233 58 .51324 83 .83226 59 .52678 84 .84170 [LOGO] PAGE 4A (VL-83-M) ENDORSEMENTS (Only we can endorse this contract.) GENERAL PROVISIONSDEFINITIONS..................................................................4

RIGHT TO CANCEL CONTRACT. You may return this contract to us within (1) 10 days after you get it, or (2) 45 days after Part 1 of the application was signed, or (3)10 days after we mail the Notice of Withdrawal Right, whichever is latest. All you have to do is take the contract or mail it to one of our offices or to the representative who sold it to you. It will be canceled from the start and we will give back your money promptly. Signed for Pruco Life Insurance Company, an Arizona Corporation. /s/ [SPECIMEN] /s/ [SPECIMEN] Secretary President Variable Life Insurance Policy. Insurance payable only upon death. Fixed premiums payable during Insured's lifetime. Benefits reflect investment results. Guaranteed minimum death benefit if premiums duly paid and no contract debt. Nonparticipating. CONTRACT SUMMARY We offer this summary to help you understand this contract. We do not intend that it change any of the provisions of the contract. This is a contract of life insurance. Premiums are to be paid throughout the Insured's lifetime. The insurance amount and the net cash value will vary with the investment performance of those subaccounts of the Pruco Life Variable Insurance Account that you select. But, except as we state in the next sentence, the insurance amount will never be less than the face amount. If a premium is not paid before its days of grace are over, the contract may end or it may stay in force with reduced benefits. If either occurs, you may be able to reinstate it. Proceeds is a word we use to mean the amount we would pay if we were to settle the contract in one sum. To compute the proceeds that may arise from the Insured's death, we start with a basic amount. We may adjust that amount if there is a loan, a premium in default, or a premium paid (but not waived under a waiver of premium benefit, if any) for a period past the date of death. The table on page 19 tells you how we adjust the basic amount. If you surrender the contract, the proceeds will be the net cash value. We describe it under Cash Value Option on page 11. Proceeds often are not taken in one sum. For instance, on surrender, you may be able to put proceeds under a settlement option to provide retirement income or for some other purpose. Also, for all or part of the proceeds that arise from the Insured's death, you may be able to choose a manner of payment to fit the beneficiary's expected needs. If the Insured dies, and a manner of payment has not been chosen, the beneficiary may be able to choose one. We will pay interest under Option 3 from the date of death on any proceeds to which no other manner of payment applies. This will be automatic as we state on page 18. There is no need to ask for it. You and we may agree on a change in the ownership of this contract. Also, unless we endorse it to say otherwise, the contract gives you these rights, among others: o You may change the beneficiary under it. o You may change the allocation of future net premiums among the subaccounts. o You may transfer amounts among subaccounts. o You may borrow on it up to its loan value. o You may surrender it for its net cash value. The contract, as issued, may or may not have extra benefits that we call Supplementary Benefits. If it does, we list them under Supplementary Benefits on the Contract Data page(s) and describe them after page 18. The contract may or may not have other extra benefits. If it does, we add them by rider. Any extra benefit ends as soon as any premium is in default past its days of grace, unless the form that describes it states otherwise. (Contract Summary Continued on Page 191 CONTRACT DATA INSURED'S SEX AND ISSUE AGE M-35 RATING CLASS STANDARD INSURED XXXX XXX XX XXX XXX POLICY NUMBER NOV 15, 1982 CONTRACT DATE FACE AMOUNT $25,000-- PREMIUM PERIOD LIFE AGENCY R-NK 1 BENEFICIARY CLASS 1 XXXX XXX, WIFE CLASS 2 XXXXXX XXX, SON LIST OF SUPPLEMENTARY BENEFITS ***** NONE ***** CONTRACT DATA CONTINUED ON NEXT PAGE POLICY NO. XX XXX XXX CONTRACT DATA CONTINUED SCHEDULE OF PREMIUMS DUE DATES OF CONTRACT PREMIUMS OCCUR ON THE CONTRACT DATE AND AT INTERVALS OF 6 MONTHS AFTER THAT DATE. CONTRACT PREMIUMS ARE $208.00 EACH DURING THE FIRST CONTRACT YEAR. EACH CONTRACT PREMIUM ALSO INCLUDES AN ISSUE CHARGE INSTALMENT OF $63.00. ***** END OF SCHEDULE ***** TABLE OF NET PREMIUMS WE USE NET PREMIUMS TO COMPUTE CASH VALUES FOR THIS CONTRACT (SEE PAGE 11). A NET PREMIUM APPLIES TO EACH DATE FOR WHICH A CONTRACT PREMIUM APPLIES. THE NET PREMIUMS THAT APPLY TO THIS CONTRACT ARE: DURING CONTRACT YEAR NET PREMIUM 1 $863.75 EACH 2-4 $164.75 EACH 5-20 $173.75 EACH 21 AND LATER $174.75 EACH ***** END OF TABLE ***** CONTRACT DATA CONTINUED ON NEXT PAGE PAGE 3A (83) II-35 POLICY NO. XX XXX XXX CONTRACT DATA CONTINUED LIST OF SUBACCOUNTS AND PORTFOLIOS EACH SUBACCOUNT OF THE PRUCO LIFE VARIABLE INSURANCE ACCOUNT INVESTS IN A SPECIFIC PORTFOLIO OF THE FUND WE SHOW BELOW. WE ALSO SHOW THE SUBACCOUNTS AND THE PORTFOLIOS THEY INVEST IN. IF WE CONSENT, YOU MAY ALSO ALLOCATE ALL OR PART OF YOUR INVESTED PREMIUM AMOUNT TO, OR TRANSFER AMOUNTS INTO OR OUT OF, THE REAL ESTATE VLI SUB-ACCOUNT OF THE PRUCO LIFE REAL PROPERTY ACCOUNT. FUND: ----- PRUCO LIFE SERIES FUND, INC. SUBACCOUNT PORTFOLIO ---------- --------- MONEY MARKET MONEY MARKET BOND BOND COMMON STOCK COMMON STOCK INITIAL ALLOCATION OF NET PREMIUMS MONEY MARKET SUBACCOUNT 40% BOND SUBACCOUNT 20% COMMON STOCK SUBACCOUNT 40% ***** END OF LIST ***** SERVICE OFFICE -- PLEASE DIRECT ANY COMMUNICATIONS ABOUT THIS CONTRACT TO: PRUCO LIFE INSURANCE COMPANY, X.X. XXX XXXX, XXXX, XXXXX XXXXX. VL M--35 POLICY NO. XX XXX XXX TABULAR CASH VALUES WE EXPLAIN THIS TABLE UNDER TABULAR VALUES. NET CASH VALUES MAY BE MORE OR LESS THAN AMOUNTS SHOWN (SEE CASH VALUE OPTION). END OF END OF CONTRACT CASH CONTRACT CASH ATTAINED CASH YEAR VALUE YEAR VALUE AGE VALUE 1 $ 76.00 11 $3,393.00 60 $ 9,379.00 2 360.00 12 3,774.25 62 10,319.50 3 651.75 13 4,163.75 65 11,738.00 4 951.00 14 4,562.00 5 1,276.00 15 4,968.25 6 1,608.75 16 5,382.50 7 1,949.50 17 5,804.00 8 2,298.25 18 6,231.75 9 2,655.00 19 6,665.00 10 3,020.00 20 7,103.50 II-48 POLICY NO. XX XXX XXX TABLE OF NET SINGLE PREMIUMS FOR $1 OF VARIABLE INSURANCE AMOUNT OR REDUCED PAID-UP AMOUNT THESE NET SINGLE PREMIUMS APPLY ON THE CONTRACT ANNIVERSARY WHEN THE INSURED'S ATTAINED AGE IS AS SHOWN. TO CALCULATE VALUES AT OTHER TIMES WE CONSIDER THE TIME ELAPSED SINCE THE LAST CONTRACT ANNIVERSARY. NET NET NET ATTAINED SINGLE ATTAINED SINGLE ATTAINED SINGLE AGE PREMIUM AGE PREMIUM AGE PREMIUM 35 $.25596 60 $.54046 85 $ .85064 36 .26455 61 .55426 86 .85911 37 .27340 62 .56813 87 .86718 38 .28250 63 .58205 88 .87496 39 .29185 64 .59597 89 .88256 40 .30144 65 .60986 90 .89014 41 .31126 66 .62371 91 .89787 42 .32131 67 .63752 92 .90599 43 .33161 68 .65130 93 .91476 44 .34214 69 .66506 94 .92440 45 .35292 70 .67876 95 .93510 46 .36393 71 .69237 96 .94681 47 .37518 72 .70579 97 .95911 48 .36669 73 .71895 98 .97113 49 .39844 74 .73177 99 .98021 50 .41045 75 .74420 100 1.00000 51 .42268 76 .75623 52 .43513 77 .76791 53 .44776 78 .77929 54 .46057 79 .79043 55 .47352 80 .80134 56 .48661 81 .81199 57 .49985 82 .82233 58 .51324 83 .83226 59 .52678 84 .84170 [LOGO] PAGE 4A (VL-83-M) ENDORSEMENTS (Only we can endorse this contract.) GENERAL PROVISIONS)

RIGHT TO CANCEL CONTRACT. You This Contract may return this contract to us be returned within (1) 10 days after you get receive it. It can be mailed or delivered to either us, at the Annuity Service Center, or (2) 45 days after Part 1 of the application was signed, or (3)10 days after we mail the Notice of Withdrawal Right, whichever is latest. All you have to do is take the contract or mail it to one of our offices or to the representative who sold it to you. It Return of this Contract by mail is effective on being postmarked, properly addressed and postage prepaid. The returned Contract will be canceled from the start cancelled upon our receipt, and we will give back your money promptlyreturn an amount equal to the sum of (i) the difference between Purchase Payments received, including any fees or other charges, and the amount(s) allocated to the Allocation Options under the Contract, and (ii) the Contract Value as of the date the Contract is mailed or delivered to us or the representative who sold it to you. READ YOUR CONTRACT CAREFULLY Signed for Pruco Life Insurance CompanyCompany of New Jersey, an Arizona a New Jersey Corporation. /s/ [SPECIMENsig] /s/ [SPECIMENsig] --------------------------------- ------------------------------- Secretary President Variable INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT NONPARTICIPATING ANNUITY PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO DOLLAR AMOUNT. VDCA-2000--NY Pruco Life Insurance Policy. Company of New Jersey Newxxx, XX 00000 A Stock Company Subsidiary of The Prudential Insurance payable only upon death. Fixed premiums payable during Insured's lifetime. Benefits reflect investment results. Guaranteed minimum death benefit if premiums duly paid and no contract debt. Nonparticipating. CONTRACT SUMMARY We offer this summary to help you understand this Company of America This is an annuity contract. We do not intend that it change any of Subject to the provisions of the contract. This is a contract Contract, and in consideration of life insurance. Premiums are to be paid throughout the Insured's lifetime. The insurance amount any Purchase Payments you make and the net cash value will vary with the investment performance of those subaccounts of the Pruco Life Variable Insurance Account that you select. But, except as we state in the next sentence, the insurance amount will never be less than the face amount. If a premium is not paid before its days of grace are over, the contract may end or it may stay in force with reduced benefits. If either occurs, you may be able to reinstate it. Proceeds is a word we use to mean the amount we would pay if we were to settle the contract in one sum. To compute the proceeds that may arise from the Insured's deathaccept, we start with a basic amount. We may adjust that amount if there is a loan, a premium in default, or a premium paid (but not waived under a waiver of premium benefit, if any) for a period past will make Annuity Payments starting on the date of death. The table on page 19 tells you how we adjust the basic amount. If you surrender the contract, the proceeds will be the net cash value. We describe it under Cash Value Option on page 11. Proceeds often are not taken in one sum. For instance, on surrender, you may be able to put proceeds under a settlement option to provide retirement income or for some other purpose. Also, for all or part of the proceeds that arise from the Insured's death, you may be able to choose a manner of payment to fit the beneficiary's expected needs. If the Insured dies, and a manner of payment has not been chosen, the beneficiary may be able to choose one. We will pay interest under Option 3 from the date of death on any proceeds to which no other manner of payment applies. This will be automatic as we state on page 18. There is no need to ask for it. You and we may agree on a change in the ownership of this contract. Also, unless we endorse it to say otherwise, the contract gives you these rights, among others: o You may change the beneficiary under it. o You may change the allocation of future net premiums among the subaccounts. o You may transfer amounts among subaccounts. o You may borrow on it up to its loan value. o You may surrender it for its net cash value. The contract, as issued, may or may not have extra benefits that we call Supplementary Benefits. If it does, we list them under Supplementary Benefits Annuity Date shown on the Contract Data page(s) pages. Please read the Contract carefully; it is a legal contract between you and describe them after page 18Pruco Life Insurance Company. The contract may or may not have other extra benefitsExpense charges applicable to the Contract are shown on the Contract Data pages. If it doesyou have a question about the Contract, we add them by rider. Any extra benefit ends as soon as any premium is in default past its days of graceor a claim, unless see your representative or contact the form that describes it states otherwise. (Contract Summary Continued on Page 191 CONTRACT DATA INSURED'S SEX AND ISSUE AGE M-35 RATING CLASS STANDARD INSURED XXXX XXX XX XXX XXX POLICY NUMBER NOV 15, 1982 CONTRACT DATE FACE AMOUNT $25,000-- PREMIUM PERIOD LIFE AGENCY R-NK 1 BENEFICIARY CLASS 1 XXXX XXX, WIFE CLASS 2 XXXXXX XXX, SON LIST OF SUPPLEMENTARY BENEFITS ***** NONE ***** CONTRACT DATA CONTINUED ON NEXT PAGE POLICY NO. XX XXX XXX CONTRACT DATA CONTINUED SCHEDULE OF PREMIUMS DUE DATES OF CONTRACT PREMIUMS OCCUR ON THE CONTRACT DATE AND AT INTERVALS OF 6 MONTHS AFTER THAT DATE. CONTRACT PREMIUMS ARE $208.00 EACH DURING THE FIRST CONTRACT YEAR. EACH CONTRACT PREMIUM ALSO INCLUDES AN ISSUE CHARGE INSTALMENT OF $63.00. ***** END OF SCHEDULE ***** TABLE OF NET PREMIUMS WE USE NET PREMIUMS TO COMPUTE CASH VALUES FOR THIS CONTRACT (SEE PAGE 11). A NET PREMIUM APPLIES TO EACH DATE FOR WHICH A CONTRACT PREMIUM APPLIES. THE NET PREMIUMS THAT APPLY TO THIS CONTRACT ARE: DURING CONTRACT YEAR NET PREMIUM 1 $863.75 EACH 2-4 $164.75 EACH 5-20 $173.75 EACH 21 AND LATER $174.75 EACH ***** END OF TABLE ***** CONTRACT DATA CONTINUED ON NEXT PAGE PAGE 3A (83) II-35 POLICY NO. XX XXX XXX CONTRACT DATA CONTINUED LIST OF SUBACCOUNTS AND PORTFOLIOS EACH SUBACCOUNT OF THE PRUCO LIFE VARIABLE INSURANCE ACCOUNT INVESTS IN A SPECIFIC PORTFOLIO OF THE FUND WE SHOW BELOW. WE ALSO SHOW THE SUBACCOUNTS AND THE PORTFOLIOS THEY INVEST IN. IF WE CONSENT, YOU MAY ALSO ALLOCATE ALL OR PART OF YOUR INVESTED PREMIUM AMOUNT TO, OR TRANSFER AMOUNTS INTO OR OUT OF, THE REAL ESTATE VLI SUB-ACCOUNT OF THE PRUCO LIFE REAL PROPERTY ACCOUNT. FUND: ----- PRUCO LIFE SERIES FUND, INC. SUBACCOUNT PORTFOLIO ---------- --------- MONEY MARKET MONEY MARKET BOND BOND COMMON STOCK COMMON STOCK INITIAL ALLOCATION OF NET PREMIUMS MONEY MARKET SUBACCOUNT 40% BOND SUBACCOUNT 20% COMMON STOCK SUBACCOUNT 40% ***** END OF LIST ***** SERVICE OFFICE -- PLEASE DIRECT ANY COMMUNICATIONS ABOUT THIS CONTRACT TO: PRUCO LIFE INSURANCE COMPANY, X.X. XXX XXXX, XXXX, XXXXX XXXXX. VL M--35 POLICY NO. XX XXX XXX TABULAR CASH VALUES WE EXPLAIN THIS TABLE UNDER TABULAR VALUES. NET CASH VALUES MAY BE MORE OR LESS THAN AMOUNTS SHOWN (SEE CASH VALUE OPTION). END OF END OF CONTRACT CASH CONTRACT CASH ATTAINED CASH YEAR VALUE YEAR VALUE AGE VALUE 1 $ 76.00 11 $3,393.00 60 $ 9,379.00 2 360.00 12 3,774.25 62 10,319.50 3 651.75 13 4,163.75 65 11,738.00 4 951.00 14 4,562.00 5 1,276.00 15 4,968.25 6 1,608.75 16 5,382.50 7 1,949.50 17 5,804.00 8 2,298.25 18 6,231.75 9 2,655.00 19 6,665.00 10 3,020.00 20 7,103.50 POLICY NO. XX XXX XXX TABLE OF NET SINGLE PREMIUMS FOR $1 OF VARIABLE INSURANCE AMOUNT OR REDUCED PAID-UP AMOUNT THESE NET SINGLE PREMIUMS APPLY ON THE CONTRACT ANNIVERSARY WHEN THE INSURED'S ATTAINED AGE IS AS SHOWN. TO CALCULATE VALUES AT OTHER TIMES WE CONSIDER THE TIME ELAPSED SINCE THE LAST CONTRACT ANNIVERSARY. NET NET NET ATTAINED SINGLE ATTAINED SINGLE ATTAINED SINGLE AGE PREMIUM AGE PREMIUM AGE PREMIUM 35 $.25596 60 $.54046 85 $ .85064 36 .26455 61 .55426 86 .85911 37 .27340 62 .56813 87 .86718 38 .28250 63 .58205 88 .87496 39 .29185 64 .59597 89 .88256 40 .30144 65 .60986 90 .89014 41 .31126 66 .62371 91 .89787 42 .32131 67 .63752 92 .90599 43 .33161 68 .65130 93 .91476 44 .34214 69 .66506 94 .92440 45 .35292 70 .67876 95 .93510 46 .36393 71 .69237 96 .94681 47 .37518 72 .70579 97 .95911 48 .36669 73 .71895 98 .97113 49 .39844 74 .73177 99 .98021 50 .41045 75 .74420 100 1.00000 51 .42268 76 .75623 52 .43513 77 .76791 53 .44776 78 .77929 54 .46057 79 .79043 55 .47352 80 .80134 56 .48661 81 .81199 57 .49985 82 .82233 58 .51324 83 .83226 59 .52678 84 .84170 [LOGO] PAGE 4A (VL-83-M) ENDORSEMENTS (Only we can endorse this contractAnnuity Service Center.) GENERAL PROVISIONS

RIGHT TO CANCEL CONTRACT. You may return this contract to us within (1) 10 days after you get it, or (2) 45 days after Part 1 of the application was signed, or (3)10 3) 10 days after we mail the Notice of Withdrawal Right, whichever is latest. All you have to do is take the contract or mail it to one of our offices or to the representative who sold it to you. It will be canceled from the start and we will give back your money promptly. Signed for Pruco Life Insurance Company, an Arizona Corporation. /s/ [SPECIMEN] XXXXXXXX X. XXXXXXXX /s/ [SPECIMEN] XXXXXXX X. XXXXX Secretary President Variable Life Insurance PolicyVARIABLE LIFE INSURANCE POLICY. Insurance payable only upon deathINSURANCE PAYABLE ONLY UPON DEATH. Fixed premiums payable during Insured's lifetimeFIXED PREMIUMS PAYABLE DURING INSURED'S LIFETIME. Benefits reflect investment resultsBENEFITS REFLECT INVESTMENT RESULTS. Guaranteed minimum death benefit if premiums duly paid and no contract debtGUARANTEED MINIMUM DEATH BENEFIT IF PREMIUMS DULY PAID AND NO CONTRACT DEBT. NonparticipatingNON-PARTICIPATING. VL--83 P CONTRACT SUMMARY We offer this summary to help you understand this contract. We do not intend that it change any of the provisions of the contract. This is a contract of life insurance. Premiums are to be paid throughout the Insured's lifetime. The insurance amount and the net cash value will vary with the investment performance of those subaccounts of the Pruco Life Variable Insurance Account that you select. But, except as we state in the next sentence, the insurance amount will never be less than the face amount. If a premium is not paid before its days of grace are over, the contract may end or it may stay in force with reduced benefits. If either occurs, you may be able to reinstate it. Proceeds is a word we use to mean the amount we would pay if we were to settle the contract in one sum. To compute the proceeds that may arise from the Insured's death, we start with a basic amount. We may adjust that amount if there is a loan, a premium in default, or a premium paid (but not waived under a waiver of premium benefit, if any) for a period past the date of death. The table on page 19 tells you how we adjust the basic amount. If you surrender the contract, the proceeds will be the net cash value. We describe it under Cash Value Option on page 11. Proceeds often are not taken in one sum. For instance, on surrender, you may be able to put proceeds under a settlement option to provide retirement income or for some other purpose. Also, for all or part of the proceeds that arise from the Insured's death, you may be able to choose a manner of payment to fit the beneficiary's expected needs. If the Insured dies, and a manner of payment has not been chosen, the beneficiary may be able to choose one. We will pay interest under Option 3 from the date of death on any proceeds to which no other manner of payment applies. This will be automatic as we state on page 18. There is no need to ask for it. You and we may agree on a change in the ownership of this contract. Also, unless we endorse it to say otherwise, the contract gives you these rights, among others: o You may change the beneficiary under it. o You may change the allocation of future net premiums among the subaccounts. o You may transfer amounts among subaccounts. o You may borrow on it up to its loan value. o You may surrender it for its net cash value. The contract, as issued, may or may not have extra benefits that we call Supplementary Benefits. If it does, we list them under Supplementary Benefits on the Contract Data page(s) and describe them after page 18. The contract may or may not have other extra benefits. If it does, we add them by rider. Any extra benefit ends as soon as any premium is in default past its days of grace, unless the form that describes it states otherwise. (Contract Summary Continued on an Page 191 CONTRACT DATA INSURED'S SEX AND ISSUE AGE M-35 RATING CLASS STANDARD INSURED XXXX XXX XX XXX XXX POLICY NUMBER NOV 15, 1982 CONTRACT DATE FACE AMOUNT $25,000-- PREMIUM PERIOD LIFE AGENCY R-NK 1 BENEFICIARY CLASS 1 XXXX XXX, WIFE CLASS 19) Page 2 XXXXXX XXX, SON LIST OF SUPPLEMENTARY BENEFITS ***** NONE ***** CONTRACT DATA CONTINUED ON NEXT PAGE POLICY NO. XX XXX XXX CONTRACT DATA CONTINUED SCHEDULE OF PREMIUMS DUE DATES OF CONTRACT PREMIUMS OCCUR ON THE CONTRACT DATE AND AT INTERVALS OF 6 MONTHS AFTER THAT DATE. CONTRACT PREMIUMS ARE $208.00 EACH DURING THE FIRST CONTRACT YEAR. EACH CONTRACT PREMIUM ALSO INCLUDES AN ISSUE CHARGE INSTALMENT OF $63.00. ***** END OF SCHEDULE ***** TABLE OF NET PREMIUMS WE USE NET PREMIUMS TO COMPUTE CASH VALUES FOR THIS CONTRACT (SEE PAGE 11). A NET PREMIUM APPLIES TO EACH DATE FOR WHICH A CONTRACT PREMIUM APPLIES. THE NET PREMIUMS THAT APPLY TO THIS CONTRACT ARE: DURING CONTRACT YEAR NET PREMIUM 1 $863.75 EACH 2-4 $164.75 EACH 5-20 $173.75 EACH 21 AND LATER $174.75 EACH ***** END OF TABLE ***** CONTRACT DATA CONTINUED ON NEXT PAGE PAGE 3A (83VL--83) II-35 POLICY NO. XX XXX XXX CONTRACT DATA CONTINUED LIST OF SUBACCOUNTS AND PORTFOLIOS EACH SUBACCOUNT OF THE PRUCO LIFE VARIABLE INSURANCE ACCOUNT INVESTS IN A SPECIFIC PORTFOLIO OF THE FUND WE SHOW BELOW. WE ALSO SHOW THE SUBACCOUNTS AND THE PORTFOLIOS THEY INVEST IN. IF WE CONSENT, YOU MAY ALSO ALLOCATE ALL OR PART OF YOUR INVESTED PREMIUM AMOUNT TO, OR TRANSFER AMOUNTS INTO OR OUT OF, THE REAL ESTATE VLI SUB-ACCOUNT OF THE PRUCO LIFE REAL PROPERTY ACCOUNT. FUND: ----- PRUCO LIFE SERIES FUND, INC. SUBACCOUNT PORTFOLIO ---------- --------- MONEY MARKET MONEY MARKET BOND BOND COMMON STOCK COMMON STOCK INITIAL ALLOCATION OF NET PREMIUMS MONEY MARKET SUBACCOUNT 40% BOND SUBACCOUNT 20% COMMON STOCK SUBACCOUNT 40% ***** END OF LIST ***** SERVICE OFFICE -- PLEASE DIRECT ANY COMMUNICATIONS ABOUT THIS CONTRACT TO: PRUCO LIFE INSURANCE COMPANY, X.X. XXX XXXX, XXXX, XXXXX XXXXX. VL M--35 POLICY NO. XX XXX XXX TABULAR CASH VALUES WE EXPLAIN THIS TABLE UNDER TABULAR VALUES. NET CASH VALUES MAY BE MORE OR LESS THAN AMOUNTS SHOWN (SEE CASH VALUE OPTION). END OF END OF CONTRACT CASH CONTRACT CASH ATTAINED CASH YEAR VALUE YEAR VALUE AGE VALUE 1 $ 76.00 11 $3,393.00 60 $ 9,379.00 2 360.00 12 3,774.25 62 10,319.50 3 651.75 13 4,163.75 65 11,738.00 4 951.00 14 4,562.00 5 1,276.00 15 4,968.25 6 1,608.75 16 5,382.50 7 1,949.50 17 5,804.00 8 2,298.25 18 6,231.75 9 2,655.00 19 6,665.00 10 3,020.00 20 7,103.50 POLICY NO. XX XXX XXX TABLE OF NET SINGLE PREMIUMS FOR $1 OF VARIABLE INSURANCE AMOUNT OR REDUCED PAID-UP AMOUNT THESE NET SINGLE PREMIUMS APPLY ON THE CONTRACT ANNIVERSARY WHEN THE INSURED'S ATTAINED AGE IS AS SHOWN. TO CALCULATE VALUES AT OTHER TIMES WE CONSIDER THE TIME ELAPSED SINCE THE LAST CONTRACT ANNIVERSARY. NET NET NET ATTAINED SINGLE ATTAINED SINGLE ATTAINED SINGLE AGE PREMIUM AGE PREMIUM AGE PREMIUM 35 $.25596 60 $.54046 85 $ .85064 36 .26455 61 .55426 86 .85911 37 .27340 62 .56813 87 .86718 38 .28250 63 .58205 88 .87496 39 .29185 64 .59597 89 .88256 40 .30144 65 .60986 90 .89014 41 .31126 66 .62371 91 .89787 42 .32131 67 .63752 92 .90599 43 .33161 68 .65130 93 .91476 44 .34214 69 .66506 94 .92440 45 .35292 70 .67876 95 .93510 46 .36393 71 .69237 96 .94681 47 .37518 72 .70579 97 .95911 48 .36669 73 .71895 98 .97113 49 .39844 74 .73177 99 .98021 50 .41045 75 .74420 100 1.00000 51 .42268 76 .75623 52 .43513 77 .76791 53 .44776 78 .77929 54 .46057 79 .79043 55 .47352 80 .80134 56 .48661 81 .81199 57 .49985 82 .82233 58 .51324 83 .83226 59 .52678 84 .84170 [LOGO] PAGE 4A (VL-83-M) ENDORSEMENTS (Only we can endorse this contract.) GENERAL PROVISIONS)

RIGHT TO CANCEL CONTRACT. You may return this contract to us within (1) 10 Not later than ten days after you get itthis contract, or (2) 45 days after Part 1 of the application was signed, or (3)10 days after we mail the Notice of Withdrawal Right, whichever is latestyou may return it to us. All you have to do is take the contract it or mail it to one of our offices or to the representative agent who sold it to you. It We will be canceled from cancel the start contract and promptly give you its net asset value, less the net asset value of any amount we will give back add to the contract fund (see page 8) determined as of the date your money promptlyrequest is received, without redemption charge. The provisions on this and the following pages of this contract comprise the entire contract. The contract was signed for Prudential on the contract date, which is the date of issue. Signed for Pruco Life Insurance Company, an Arizona CorporationPrudential. /s/ [SPECIMEN] /s/ [SPECIMEN] Secretary President Variable Life Insurance PolicyAnnuity Contract with Flexible Purchase Payments--Monthly annuity payments starting on Annuity Date. Insurance payable only Payment as stated upon deathdeath before Xxxxxxx Date. Fixed premiums Purchase payments payable during Insured's lifetimelifetime(s) of annuitant(s) until Xxxxxxx Date. Benefits Cash value reflect investment results. Guaranteed minimum death benefit if premiums duly paid and no contract debtVIP--86 (Only we can endorse this contract.) Page 2 (VIP--86) CONTRACT DATA ANNUITANT(S) XXXX XXX XX XXX XXX CONTRACT NUMBER XXXX XXX ANNUITY DATE JULY 25, 2016 JULY 25, 1986 CONTRACT DATE AGENCY R-NK 1 FIRST ANNUITANT: NAME XXXX XXX SEX AND ISSUE AGE M-35 DATE OF BIRTH 6/10/51 CO-ANNUITANT: NAME XXXX XXX SEX AND ISSUE AGE F-32 DATE OF BIRTH 10/1/54 BENEFICIARY: CLASS 1--XXXXXX XXX SON OF ANNUITANT CLASS 2--XXXXXXX XXXXX SISTER OF CO-ANNUITANT ALLOCATION OF INITIAL PURCHASE PAYMENT BOND 20% MONEY MARKET 20% COMMON STOCK 20% AGGRESSIVELY MANAGED FLEXIBLE 10% CONSERVATIVELY MANAGED FLEXIBLE 10% FIXED ACCOUNT 20% THE MAINTENANCE CHARGE IS UP TO $30.00 ANNUALLY. NonparticipatingWE EXPLAIN THIS ON PAGE 12. SERVICE OFFICE--PLEASE DIRECT ANY COMMUNICATION ABOUT THIS CONTRACT TO: THE PRUDENTIAL INSURANCE COMPANY OF AMERICA, P.O. BOX 2925, PROENIX, ARIZONA 85062. Page 3(VIP--86) ENDORSEMENTS (Only we can endorse this contract.) Page 4(VIP--86) CONTRACT SUMMARY We offer this summary to help you understand this contract. We do not intend that it change any of the provisions of the contract. This Beginning on the Annuity Date we will use your contract fund to provide an income, as we explain on page 13, to the Annuitant named on page 3 (the First Annuitant named there if two annuitants are named) if he or she is a contract of life insurancethen living and entitled to payment. Premiums But if two annuitants are named on page 3 and (1) the First Annuitant is not living on the Annuity Date or (2) both annuitants are living and you ask us to be paid throughout do so, we will make payment to the Insured's lifetimeCo-Annuitant named on page 3 if he or she is then living. The insurance If, on the Annuity Date, no other settlement has been chosen, we will make monthly payments under the Interest Payment Option. But if the amount and the net cash value will vary with the investment performance of those subaccounts of the Pruco Life Variable Insurance Account that you select. But, except as we state in the next sentence, the insurance amount will never initial payment would be less than the face amount. If a premium is not paid before its days of grace are over$50, the contract may end or it may stay in force with reduced benefits. If either occursCompany reserves the right to, you may be able to reinstate it. Proceeds is a word we use to mean instead, pay the amount we would pay if we were to settle the contract cash value in one sum. To compute We describe the proceeds that other options we offer on page 13. Purchase payments may arise from be made at any time until the Insured's death, we start with a basic amountAnnuity Date. There are no scheduled amounts or due dates. We explain this on page 8. The purchase payments, minus any deductions for state and/or local premium taxes, will be allocated as you direct to one or more of the subaccounts of The Prudential Individual Variable Contract Account and/or the fixed account. Additional amounts may adjust that also be credited to your contract fund as we describe on page 8. We describe on page 10 the amount if there is a loan, a premium in default, or a premium paid (but not waived under a waiver of premium benefitpayable, if any) for a period past ; at the date death of death. The table on page 19 tells you how we adjust the basic amountan annuitant. If you surrender there are two annuitants and one annuitant dies before the contractAnnuity Date, the proceeds here is what we will be the net cash value. We describe it under Cash Value Option on page 11. Proceeds often are not taken in one sum. For instance, on surrender, you may be able to put proceeds under a settlement option to provide retirement income or for some other purpose. Also, for all or part of the proceeds that arise from the Insured's death, you may be able to choose a manner of payment to fit the beneficiary's expected needs. If the Insured dies, and a manner of payment has not been chosen, the beneficiary may be able to choose onedo. We will pay interest use any excess of minimum proceeds (the sum of all purchase payments minus any withdrawal made) over the contract fund to increase the value of the contract for the surviving annuitant. Otherwise, it may be paid to the beneficiary in cash; or it may be applied by the beneficiary to either of the payout options we offer an annuitant under Option 3 from the date of death on any proceeds to which no other manner of payment applies. This will be automatic as we state on page 18. There is no need to ask for itthis contract. You and we may agree on a change in the ownership of this contract. Also, unless we endorse it to say otherwise, the contract gives you these rights, among others: o You may change the beneficiary beneficiary(ies) under it. o You may change the allocation of future net premiums among the subaccounts. o You may transfer amounts among subaccounts. o You may borrow on it up to its loan value. o You may surrender it for its net cash value. The contract, as issued, o You may or make withdrawals. o You may not have extra benefits that we call Supplementary Benefitstransfer amounts among the subaccounts and the fixed account. If it does, we list them under Supplementary Benefits on the Contract Data page(s) and describe them after page 18O You may remove one annuitant if two are named. The contract may or may not have other extra benefits. If it does, we add them by rider. Any extra benefit ends as soon as any premium is in default past its days of grace, unless the form that describes it states otherwise. Page 5 (Contract Summary Continued on Page 191 CONTRACT DATA INSURED'S SEX AND ISSUE AGE M-35 RATING CLASS STANDARD INSURED XXXX XXX XX XXX XXX POLICY NUMBER NOV 15, 1982 CONTRACT DATE FACE AMOUNT $25,000-- PREMIUM PERIOD LIFE AGENCY R-NK 1 BENEFICIARY CLASS 1 XXXX XXX, WIFE CLASS 2 XXXXXX XXX, SON LIST OF SUPPLEMENTARY BENEFITS ***** NONE ***** CONTRACT DATA CONTINUED ON NEXT PAGE POLICY NO. XX XXX XXX CONTRACT DATA CONTINUED SCHEDULE OF PREMIUMS DUE DATES OF CONTRACT PREMIUMS OCCUR ON THE CONTRACT DATE AND AT INTERVALS OF 6 MONTHS AFTER THAT DATE. CONTRACT PREMIUMS ARE $208.00 EACH DURING THE FIRST CONTRACT YEAR. EACH CONTRACT PREMIUM ALSO INCLUDES AN ISSUE CHARGE INSTALMENT OF $63.00. ***** END OF SCHEDULE ***** TABLE OF NET PREMIUMS WE USE NET PREMIUMS TO COMPUTE CASH VALUES FOR THIS CONTRACT (SEE PAGE 11). A NET PREMIUM APPLIES TO EACH DATE FOR WHICH A CONTRACT PREMIUM APPLIES. THE NET PREMIUMS THAT APPLY TO THIS CONTRACT ARE: DURING CONTRACT YEAR NET PREMIUM 1 $863.75 EACH 2-4 $164.75 EACH 5-20 $173.75 EACH 21 AND LATER $174.75 EACH ***** END OF TABLE ***** CONTRACT DATA CONTINUED ON NEXT PAGE PAGE 3A (83) II-35 POLICY NO. XX XXX XXX CONTRACT DATA CONTINUED LIST OF SUBACCOUNTS AND PORTFOLIOS EACH SUBACCOUNT OF THE PRUCO LIFE VARIABLE INSURANCE ACCOUNT INVESTS IN A SPECIFIC PORTFOLIO OF THE FUND WE SHOW BELOW. WE ALSO SHOW THE SUBACCOUNTS AND THE PORTFOLIOS THEY INVEST IN. IF WE CONSENT, YOU MAY ALSO ALLOCATE ALL OR PART OF YOUR INVESTED PREMIUM AMOUNT TO, OR TRANSFER AMOUNTS INTO OR OUT OF, THE REAL ESTATE VLI SUB-ACCOUNT OF THE PRUCO LIFE REAL PROPERTY ACCOUNT. FUND: ----- PRUCO LIFE SERIES FUND, INC. SUBACCOUNT PORTFOLIO ---------- --------- MONEY MARKET MONEY MARKET BOND BOND COMMON STOCK COMMON STOCK INITIAL ALLOCATION OF NET PREMIUMS MONEY MARKET SUBACCOUNT 40% BOND SUBACCOUNT 20% COMMON STOCK SUBACCOUNT 40% ***** END OF LIST ***** SERVICE OFFICE -- PLEASE DIRECT ANY COMMUNICATIONS ABOUT THIS CONTRACT TO: PRUCO LIFE INSURANCE COMPANY, X.X. XXX XXXX, XXXX, XXXXX XXXXX. VL M--35 POLICY NO. XX XXX XXX TABULAR CASH VALUES WE EXPLAIN THIS TABLE UNDER TABULAR VALUES. NET CASH VALUES MAY BE MORE OR LESS THAN AMOUNTS SHOWN (SEE CASH VALUE OPTION). END OF END OF CONTRACT CASH CONTRACT CASH ATTAINED CASH YEAR VALUE YEAR VALUE AGE VALUE 1 $ 76.00 11 $3,393.00 60 $ 9,379.00 2 360.00 12 3,774.25 62 10,319.50 3 651.75 13 4,163.75 65 11,738.00 4 951.00 14 4,562.00 5 1,276.00 15 4,968.25 6 1,608.75 16 5,382.50 7 1,949.50 17 5,804.00 8 2,298.25 18 6,231.75 9 2,655.00 19 6,665.00 10 3,020.00 20 7,103.50 POLICY NO. XX XXX XXX TABLE OF NET SINGLE PREMIUMS FOR $1 OF VARIABLE INSURANCE AMOUNT OR REDUCED PAID-UP AMOUNT THESE NET SINGLE PREMIUMS APPLY ON THE CONTRACT ANNIVERSARY WHEN THE INSURED'S ATTAINED AGE IS AS SHOWN. TO CALCULATE VALUES AT OTHER TIMES WE CONSIDER THE TIME ELAPSED SINCE THE LAST CONTRACT ANNIVERSARY. NET NET NET ATTAINED SINGLE ATTAINED SINGLE ATTAINED SINGLE AGE PREMIUM AGE PREMIUM AGE PREMIUM 35 $.25596 60 $.54046 85 $ .85064 36 .26455 61 .55426 86 .85911 37 .27340 62 .56813 87 .86718 38 .28250 63 .58205 88 .87496 39 .29185 64 .59597 89 .88256 40 .30144 65 .60986 90 .89014 41 .31126 66 .62371 91 .89787 42 .32131 67 .63752 92 .90599 43 .33161 68 .65130 93 .91476 44 .34214 69 .66506 94 .92440 45 .35292 70 .67876 95 .93510 46 .36393 71 .69237 96 .94681 47 .37518 72 .70579 97 .95911 48 .36669 73 .71895 98 .97113 49 .39844 74 .73177 99 .98021 50 .41045 75 .74420 100 1.00000 51 .42268 76 .75623 52 .43513 77 .76791 53 .44776 78 .77929 54 .46057 79 .79043 55 .47352 80 .80134 56 .48661 81 .81199 57 .49985 82 .82233 58 .51324 83 .83226 59 .52678 84 .84170 [LOGO] PAGE 4A (VL-83-M) ENDORSEMENTS (Only we can endorse this contract.VlP--86) GENERAL PROVISIONS

RIGHT TO CANCEL CONTRACT. You may return this contract to us within (1) 10 days after you get it, or (2) 45 days after Part 1 of the application was signed, or (3)10 3) 10 days after we mail or deliver to you any withdrawal right notice required by the Notice of Withdrawal RightSecurities and Exchange Commission, whichever is latest. All you have to do is take the contract or mail it to one of our offices or to the representative who sold it to you. It will be canceled from the start and we will promptly give you the value of our Contract Fund on the date you return the contract to us. We will also give back your money promptlyany charges we made in accord with this contract. Signed for Pruco Life Insurance CompanyCompany of New Jersey, an Arizona Corporation. a New Jersey Corporation /s/ [SPECIMEN] /s/ [SPECIMEN] Secretary President Variable Life Insurance PolicyMODIFIED PREMIUM VARIABLE LIFE INSURANCE POLICY WITH VARIABLE INSURANCE AMOUNT. Insurance payable only upon deathINSURANCE PAYABLE ONLY UPON DEATH. Fixed premiums payable during Insured's lifetimeSCHEDULED PREMIUMS PAYABLE THROUGHOUT INSURED'S LIFETIME. Benefits reflect investment resultsPROVISION FOR OPTIONAL ADDITIONAL PREMIUMS. Guaranteed minimum death benefit if premiums duly paid and no contract debtBENEFITS REFLECT PREMIUM PAYMENTS, INVESTMENT RESULTS AND MORTALITY CHARGES. NonparticipatingGUARANTEED MINIMUM DEATH BENEFIT IF SCHEDULED PREMIUMS DULY PAID AND NO CONTRACT DEBT. INCREASE IN FACE AMOUNT AT ATTAINED AGE 21 IF CONTRACT ISSUED AT AGE 14 OR LOWER. NON-PARTICIPATING. VALB--84 - N CONTRACT SUMMARY We offer this summary to help you understand this contract. We do not intend that it change any of the provisions of the contract. This is a contract of life insurance. Premiums are to be paid throughout the Insured's lifetime. We specify a schedule of premiums that will keep the contract in force. Additional premiums may be paid at your option, subject to limits in the contract. The insurance amount death benefit and the net cash value will vary with the payment of premiums, the investment performance of those subaccounts of the Pruco Life Variable Insurance Appreciable Account that you select, and the extent to which mortality charges are less than the guaranteed maximums. But, except as we state in But the next sentence, the insurance amount will death benefit is guaranteed never to be less than the face amount. If a premium amount if the contract is not paid before in default past its days of grace are overgrace, and there is no contract debt. (We describe on page 8 the way the contract can go into default.) If the contract remains in default past its days of grace, the contract may end or it may stay in force with reduced benefits. If either occurs, you may be able to reinstate itits full benefits. On the date, if any, when we determine that the contract has become fully paid-up, we will recompute the guaranteed death benefit. It may be higher; it will not be lower. We describe on page 9 how the contract may become paid-up. Proceeds is a word we use to mean the amount we would pay if we were to settle the contract in one sum. To compute the proceeds that may arise from the Insured's death, we start with a basic amount. We may adjust that amount if there is a loan, a premium loan or if the contract is in default, or a premium paid (but not waived under a waiver of premium benefit, if any) for a period past the date of death. The table on page 19 21 tells what the basic amount is. The amount depends on how the contract is in force. The table will refer you to the parts of the contract that tell you how we adjust the basic amount. If you surrender the contract, the proceeds will be the net cash value. We describe it under Cash Value Option on page 11pages 13 and 14. Proceeds often are not taken in one sum. For instance, on surrender, you may be able to put proceeds under a settlement option to provide retirement income or for some other purpose. Also, for all or part of the proceeds that arise from the Insured's death, you may be able to choose a manner of payment to fit for the beneficiary's expected needs. If the Insured dies, and a manner of payment an option has not been chosen, the beneficiary may be able to choose one. We will pay interest under Option 3 from the date of death on any proceeds to which no other manner of payment applies. This will be automatic as we state on page 1820. There is no need to ask for it. You and we may agree on a change in the ownership of this contract. Also, unless we endorse it to say otherwise, the contract gives you these rights, among others: o You may change the beneficiary under it. o You may change the allocation of future net premiums among the subaccounts. o You may transfer amounts among subaccounts. o You may borrow on it up to its loan value. o You may surrender it for its net cash value. o You may change the allocation of future net premiums among the subaccounts. o You may transfer amounts among subaccounts. The contract, as issued, may or may not have extra benefits that we call Supplementary Benefits. If it does, we list them under Supplementary Benefits on the Contract Data page(s) and describe them after page 1821. The contract may or may not have other extra benefits. If it does, we add them by rider. Any extra benefit ends as soon as any premium the contract is in default past its days of grace, unless the form that describes it states otherwise. (Contract Summary Continued on Page 191 CONTRACT DATA INSURED'S SEX AND ISSUE AGE M-35 RATING CLASS STANDARD NONSMOKER INSURED XXXX XXX XX XXX XXX POLICY NUMBER NOV 15July 1, 1982 1984 CONTRACT DATE FACE AMOUNT $25,00050,000-- CONTRACT PREMIUM PERIOD LIFE JUL 1, 2014 CHANGE DATE AGENCY R-NK 1 BENEFICIARY CLASS 1 XXXX XXX, WIFE CLASS 2 XXXXXX XXX, SON LIST OF CONTRACT MINIMUMS THE MINIMUM FACE AMOUNT IS $50,000 THE MINIMUM UNSCHEDULED PREMIUM IS $25. LIST OF SUPPLEMENTARY BENEFITS *****NONE***** NONE SCHEDULE OF PREMIUMS PLANNED PAYMENT DATES OF SCHEDULED PREMIUMS OCCUR ON THE CONTRACT DATE AND AT INTERVALS OF 12 MONTHS AFTER THAT DATE. SCHEDULED PREMIUMS ARE $XXX.XX EACH CHANGING JUL 1, 2014 TO $XXX.XX EACH THEREAFTER *****END OF SCHEDULE***** *****NOTICE***** CONTRACT DATA CONTINUED ON NEXT PAGE POLICY NO. XX XXX XXX CONTRACT DATA CONTINUED SCHEDULE OF PREMIUMS DUE DATES OF CONTRACT PREMIUMS OCCUR ON THE CONTRACT DATE AND AT INTERVALS OF 6 MONTHS AFTER THAT DATE. CONTRACT PREMIUMS ARE $208.00 EXPENSE CHARGES FROM PREMIUM PAYMENTS FROM EACH DURING THE FIRST CONTRACT YEAR. EACH CONTRACT PREMIUM ALSO INCLUDES AN ISSUE PAID WE DEDUCT A PER-PAYMENT PROCESSING CHARGE INSTALMENT OF $63.002.00. FROM THE REMAINDER WE DEDUCT A CHARGE OF 7.5%, WHICH IS USED TO PAY FOR SALES CHARGES AND STATE PREMIUM TAXES. AFTER DEDUCTION OF THIS AMOUNT, THE BALANCE IS THE INVESTED PREMIUM AMOUNT (SEE PAGE 11.) *****END OF SCHEDULE***** SCHEDULE OF MONTHLY DEDUCTIONS FROM CONTRACT FUND THE MONTHLY ADMINISTRATION CHARGE IS $3.50. THE MONTHLY CHARGE TO GUARANTEE THE MINIMUM DEATH BENEFIT IS $0.50 *****END OF SCHEDULE SCHEDULE***** TABLE SCHEDULE OF NET PREMIUMS MAXIMUM SURRENDER CHARGES FOR FULL SURRENDER AT THE END OF THE CONTRACT YEAR INDICATED, THE MAXIMUM CHARGES WE USE NET PREMIUMS TO COMPUTE CASH VALUES WILL DEDUCT FROM THE CONTRACT FUND ARE SHOWN BELOW. FOR THIS SURRENDER AT OTHER THAN YEAR-END DURING THE SIXTH THROUGH TENTH YEARS, THE AMOUNT OF THE CHARGE WILL REFLECT THE NUMBER OF COMPLETED CONTRACT MONTHS SINCE THE BEGINNING OF THE CONTRACT YEAR. (SEE PAGE 11). A NET PREMIUM APPLIES TO EACH DATE FOR WHICH A CONTRACT PREMIUM APPLIES. THE NET PREMIUMS THAT APPLY TO THIS CONTRACT ARE: DURING CONTRACT 14.) YEAR NET PREMIUM OF DEFERRED DEFERRED UNDERWRITING SURRENDER SALES CHARGE AND ISSUE CHARGE TOTAL --------- ------------ ---------------- ----- 1 $863.75 EACH 2-XXX.XX $XXX.XX $XXX.XX 2 XXX.XX XXX.XX XXX.XX 3 XXX.XX XXX.XX XXX.XX 4 $164.75 EACH 5-20 $173.75 EACH 21 XXX.XX XXX.XX XXX.XX 5 XXX.XX XXX.XX XXX.XX 6 XXX.XX XXX.XX XXX.XX 7 XXX.XX XXX.XX XXX.XX 8 XXX.XX XXX.XX XXX.XX 9 XXX.XX XXX.XX XXX.XX 10 ZERO ZERO ZERO 11 AND LATER $174.75 EACH ZERO ZERO ZERO ***** *END OF TABLE SCHEDULE***** CONTRACT DATA CONTINUED ON NEXT PAGE PAGE 3A (83) II-35 II-60 POLICY NO. XX XXX XXX CONTRACT DATA CONTINUED LIST OF SUBACCOUNTS AND PORTFOLIOS EACH SUBACCOUNT OF THE PRUCO LIFE VARIABLE INSURANCE APPRECIABLE ACCOUNT INVESTS IN A SPECIFIC PORTFOLIO OF THE FUND PRUCO LIFE SERIES FUND. WE SHOW BELOW. WE ALSO SHOW BELOW THE SUBACCOUNTS AND THE FUND PORTFOLIOS THEY INVEST IN. IF WE CONSENT, YOU MAY ALSO ALLOCATE ALL OR PART OF YOUR INVESTED PREMIUM AMOUNT TO, OR TRANSFER AMOUNTS INTO OR OUT OF, THE REAL ESTATE VLI SUB-ACCOUNT OF THE PRUCO LIFE REAL PROPERTY ACCOUNT. FUND: ----- PRUCO LIFE SERIES FUND, INC. FUND SUBACCOUNT PORTFOLIO ---------- --------- MONEY MARKET MONEY MARKET BOND BOND COMMON STOCK COMMON STOCK AGGRESSIVELY MANAGED FLEXIBLE AGGRESSIVELY MANAGED FLEXIBLE CONSERVATIVELY MANAGED FLEXIBLE CONSERVATIVELY MANAGED FLEXIBLE INITIAL ALLOCATION OF NET PREMIUMS MONEY MARKET SUBACCOUNT 4020% BOND SUBACCOUNT 20% COMMON STOCK SUBACCOUNT 4020% AGGRESSIVELY MANAGED FLEXIBLE SUBACCOUNT 20% CONSERVATIVELY MANAGED FLEXIBLE SUBACCOUNT 20% ***** *END OF LIST LIST***** SERVICE OFFICE -- PLEASE DIRECT ANY COMMUNICATIONS ABOUT THIS CONTRACT TO: PRUCO LIFE INSURANCE COMPANY, COMPANY XX XXX XXXXXX X.X. XXX XXXX, XXXX XXXX, XXXXX XXXXX. VL M--35 XXXXX II-61 POLICY NO. XX XXX XXX TABULAR CASH VALUES WE EXPLAIN THIS TABLE UNDER CONTRACT FUND AND TABULAR VALUES. NET ACTUAL CONTRACT FUND VALUES AND CASH VALUES MAY BE MORE OR LESS THAN AMOUNTS AMOUNT SHOWN (SEE CONTRACT FUND AND CASH VALUE OPTION). .) END OF END OF TABULAR TABULAR CONTRACT CONTRACT CASH CONTRACT CASH ATTAINED CASH YEAR FUND VALUE YEAR VALUE AGE VALUE -------- -------- ------- 1 $ 76.00 2 3 4 5 11 $3,393.00 60 $ 9,379.00 2 360.00 12 3,774.25 62 10,319.50 3 651.75 12 13 4,163.75 65 11,738.00 4 951.00 14 4,562.00 5 1,276.00 15 4,968.25 6 1,608.75 16 5,382.50 7 1,949.50 17 5,804.00 8 2,298.25 18 6,231.75 9 2,655.00 19 6,665.00 10 3,020.00 20 7,103.50 POLICY NO. XX XXX XXX TABLE OF NET SINGLE PREMIUMS FOR $1 OF VARIABLE INSURANCE AMOUNT OR REDUCED PAID-UP AMOUNT THESE NET SINGLE PREMIUMS APPLY ON THE CONTRACT ANNIVERSARY WHEN THE INSURED'S ATTAINED AGE -------- 60 62 65 TABULAR CASH VALUES THROUGH THE FIRST 10 CONTRACT YEARS ARE THE TABULAR CONTRACT FUND VALUES MINUS A SURRENDER CHARGE. WE DESCRIBE UNDER CASH VALUE OPTION ON PAGES 13 AND 14 HOW THE SURRENDER CHARGE IS DETERMINED. WE SHOW ON A PRIOR CONTRACT DATA PAGE WHAT THE MAXIMUM SURRENDER CHARGE WILL BE. TABULAR CASH VALUES AFTER THE 10TH CONTRACT YEAR WILL BE THE SAME AS SHOWNTHE TABULAR CONTRACT FUND VALUES SHOWN ABOVE. TO CALCULATE VALUES AT OTHER TIMES WE CONSIDER THE TIME ELAPSED SINCE THE LAST CONTRACT ANNIVERSARY. NET NET NET ATTAINED SINGLE ATTAINED SINGLE ATTAINED SINGLE AGE PREMIUM AGE PREMIUM AGE PREMIUM 35 $.25596 60 $.54046 85 $ .85064 36 .26455 61 .55426 86 .85911 37 .27340 62 .56813 87 .86718 38 .28250 63 .58205 88 .87496 39 .29185 64 .59597 89 .88256 40 .30144 65 .60986 90 .89014 41 .31126 66 .62371 91 .89787 42 .32131 67 .63752 92 .90599 43 .33161 68 .65130 93 .91476 44 .34214 69 .66506 94 .92440 45 .35292 70 .67876 95 .93510 46 .36393 71 .69237 96 .94681 47 .37518 72 .70579 97 .95911 48 .36669 73 .71895 98 .97113 49 .39844 74 .73177 99 .98021 50 .41045 75 .74420 100 1.00000 51 .42268 76 .75623 52 .43513 77 .76791 53 .44776 78 .77929 54 .46057 79 .79043 55 .47352 80 .80134 56 .48661 81 .81199 57 .49985 82 .82233 58 .51324 83 .83226 59 .52678 84 .84170 [LOGO] PAGE 4A (VL-83-M) II-62 ENDORSEMENTS (Only we can endorse this contract.) GENERAL PROVISIONS)