Note to Registered Representatives: This Letter Is for Use Without a Prospectus

Prospecting letter sidelines

Target:Cash on sidelines

Note to financial advisors: This letter is for use without a prospectus. Reproduce this letter on your appropriate letterhead and send it to clients. The content below has been approved by Compliance.

(insert date)

Dear (insert client’s name):

Given the increasing unpredictability of the financial markets, it’s easy to understand why so many investors have chosen to keep their money in less risky, lower-yielding investments. Yet, leaving too much cash on the sidelines can keep you from reaching your future goals.

A diversified asset allocation strategy that spreads an investment over several asset classes and investing styles can improve your success. I’d like to show you how easy it is to put this strategy to work with JennisonDryden Asset Allocation Funds.

In just one step, JennisonDryden Asset Allocation Funds can make some of the key decisions for you: which investments to select, optimal asset allocation, and rebalancing.

Together we will determine which of the Funds’ three portfolios fits your investing profile. Each portfolio is designed in consultation with Ibbotson Associates, a well-known and objective authority on asset allocation trends and history. The funds that comprise each portfolio feature three experienced asset managers: Jennison Associates, Quantitative Management Associates (QMA), and Prudential Fixed Income.

I will call you soon to show you how JennisonDryden Asset Allocation Funds can support your long-term investment goals and add strength to your current financial plan.

Sincerely,

(insert name and title)

For more information about JennisonDryden Asset Allocation Funds, call your financial professional for a free prospectus. Consider the Funds’ investment objectives, risks, charges, and expenses carefully before investing. The prospectus will contain this and other information about the Funds. Please read the prospectus carefully before investing.

JennisonDryden Asset Allocation Funds invest in the Class Z shares of existing JennisonDryden mutual funds. Class Z shares carry no load or any distribution or service fees. While there are no duplicative advisory fees, you will pay indirectly for certain expenses of the underlying funds, in addition to the expenses of the JennisonDryden Asset Allocation Fund you own, such as fees for custodian services, directors' fees, legal and accounting services, and transfer agency services. We will make every effort to avoid duplicative expenses where possible. Please refer to the prospectus for more information about the fees and expenses associated with the Funds.

Prudential Fixed Income is a division of Prudential Investment Management (PIM). Jennison Associates, QMA, and PIM are registered investment advisors and Prudential Financial companies.

Shares of JennisonDryden Asset Allocation Funds are distributed by Prudential Investment Management Services LLC (PIMS), member SIPC. PIMS is a Prudential Financial company. Indirectly through subsidiaries, Prudential Financial, Inc. owns 38% and Wachovia Corporation owns 62% of Wachovia Securities LLC. JennisonDryden is a registered trademark of The Prudential Insurance Company of America.

Ibbotson Associates is not a Prudential Financial company.

Mutual Funds:

IFS-A087434 Ed. 02/01/2006