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SUPPLEMENT DATED JANUARY 16, 1997 TO PROSPECTUS DATED DECEMBER 31, 1996 FOR THE PRUDENTIAL VARIABLE APPRECIABLE ACCOUNT Variable APPRECIABLE LIFE [R]___________ INSURANCE CONTRACTS The purpose of this supplement is to correct the date which appears at the last line of the independent auditors' report on page B-17. The date should read, "March 1, 1996, except for Note 12, as to which the date is December 24, 1996." PVAL-1SUP Ed 1-97 Catalog No. 64M9363
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