Your Account Statement

You will receive a monthly statement that clearly outlines the activities and holdings in your account. While COMMAND Accounts will receive a monthly statement, Investor Accounts will receive quarterly statements (or monthly if there is account activity). These statements will provide information as to investment holdings and current values. You can use this information to determine whether you are on track for meeting your financial objectives.

SIPC Protection

The Securities Investor Protection Corporation ("SIPC") protects client accounts of its members up to $500,000, including $250,000 for claims for cash. Account protection applies when a SIPC member firm fails financially and is unable to meet its financial obligations. This coverage does not protect against the rise and fall in the market value of investments in the account and does not cover all assets. To obtain additional information about SIPC, including the SIPC brochure, please contact SIPC at telephone number (202) 371-8300 or by visiting SIPC's website address at www.sipc.org. First Clearing, LLC ("First Clearing"), Pruco Securities' clearing firm, has purchased at its own expense, and not charged to client accounts, additional insurance coverage through London Underwriters (led by Lloyd's of London Syndicate) ("Lloyd's"). For clients who have received the full SIPC payout limit, First Clearing's policy with Lloyd's provides additional coverage above the SIPC limits for any missing securities and cash in client brokerage accounts up to a First Clearing aggregate limit of $1 billion (including up to $1.9 million for cash per client). SIPC and the additional protection do not insure the quality of investments or protect against losses from fluctuating market value and do not cover all assets.

Access Online

With a Pruco Securities account, you can access your account information at www.prudential.com. With Access Online, you can:

View your account balances, performance, holdings and activity
View statements, confirms, tax documents, and certain shareholder communications (such as proxy statements, prospectuses, and annual reports) electronically,¹ eliminating the need for paper documents (optional)
Get free real-time quotes and 20-minute-delayed streaming quotes²
Receive alerts on market changes, news, industry trends, and your portfolio
Download your account information into Quicken^®3
Search over 10,000 securities and mutual funds with the Equity and Mutual Fund Screener
Create up to four Watch Lists with up to 100 symbols each
Explore various calculators, research, reports on your portfolio, and more

Automatic Investment Feature

The automatic investment sweep option assures that funds in your account do not sit idle. The available cash in your account-from deposits, dividends, interest, and proceeds from the sale of securities-will be automatically invested in the "sweep option" you designate. You have a choice of several sweep options to help generate income on your cash balances. Speak to your Prudential financial professional for more information.

Automatic Investment Plan

Investing regularly is an excellent way to meet your goals and can be one of the best ways to manage your market risk. This investment strategy is called dollar cost averaging. With the Automatic Investment Plan (AIP), you can invest a fixed dollar amount in mutual funds on a periodic basis; therefore, you can buy more shares when the price is low and fewer shares when the price is high, potentially reducing your average cost per share.⁴ Dollar cost averaging, however, does not assure a profit or protect against a loss in declining markets. Since this strategy involves continuous investments, you should consider your financial ability to continue purchases through periods of low price levels.

Dividend Reinvestment

Dividend reinvestment allows you to put your dividends back to work by automatically purchasing more shares. This allows you to regularly invest relatively small amounts of money, which can be an effective way to help build wealth over time. For more information on dividend reinvestment, speak to your Prudential financial professional or call the COMMAND Client Service Center.

Systematic Withdrawal Plan

Systematic withdrawal allows you to redeem a specific portion of your mutual fund holdings in shares or a specific dollar amount on a monthly, quarterly, or annual basis. The proceeds of this redemption are deposited back into your primary sweep option⁵ in your account. For more information on systematic withdrawals, speak to your Prudential financial professional or call the COMMAND Client Service Center.

Automated Clearing House Service

Automated Clearing House Service (ACH) enables you to move money between your outside financial institution(s) and your COMMAND or Investor Account. ACH is the ideal way to move money with ease. For example, you can request a transfer from your outside financial institution into your account to cover a mutual fund purchase. Or use ACH to set up a savings plan. Just arrange for a recurring transfer (either weekly or monthly) from your financial institution into your account for a specific amount to help you save for a child's education or a down payment on a house, plan for your retirement, or any other goal you may have.
Please note: These electronic fund transfers are not Federal Fund wires. (Federal Fund wires are immediate, and generally require a fee.)

Features Specific to Command Accounts

COMMAND VISA^® Debit Card (does not Apply to IRA Accounts)
The COMMAND Visa Debit Card (COMMAND Card) provides instant access to the available funds in your COMMAND Account worldwide, anywhere Visa is accepted. With its extensive array of features and benefits, it's the only check card you'll ever need!

Worldwide ATM Access⁶-Use your COMMAND Card to obtain cash from all Star and Signature Plus^® ATM locations worldwide. Additionally, using your COMMAND Card to obtain cash when you travel abroad can save you money. When you use your card outside the United States, you can obtain funds in the local currency. Your account is debited in U.S. dollars at a competitive rate of exchange, and you may save the currency exchange fee charged by most banks.
No Credit Limits-With the COMMAND Card, there are no preset credit limits, but the amount available (or authorization limit for Visa purchases and cash advances) is limited to the amount of cash and money funds available in your COMMAND Account.
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Unlimited Checkwriting⁶

COMMAND offers unlimited checkwriting with no minimum amount per check and no monthly service charge. Checks may be written for any amount up to the available balance in your account (this includes cash, sweep option funds, and margin borrowing power, if applicable). Your monthly statement lists all your checks that have cleared with the check number, the payee, and the date it cleared.

With the COMMAND Account's expense coding system, you can track up to 10 expense categories on your statement by selecting a single number on each check you write. Five categories are pre-defined, and you have the option of customizing up to five additional categories to track expenses such as credit card payments and accounting fees. Amounts spent in each category are summarized on the statement on a monthly and cumulative annual basis. The five (5) pre-defined codes are listed below:

Pre-defined Expense Tracking Codes

Medical/Dental

Tax Payments

Mortgage or Rent

Contributions

Household Expenses

Free Online Billpay

One of our most time-saving features is COMMAND BillPay. This feature enables you to pay anyone in the United States, 24 hours a day, 7 days a week. With COMMAND BillPay, you can eliminate the monthly tasks of writing checks, buying stamps and worrying about mailing your payment on time.

Our Online BillPay service enables you to enter your payees and dollar amounts via the Internet through www.prudential.com. With a few simple keystrokes, you can schedule recurring payments to be made automatically, or variable payments to be made at your request.

COMMAND Direct Deposit

When you use COMMAND Direct Deposit, any recurring payments you receive (such as your paycheck, Social Security, etc.) are automatically credited to your account on the effective date of the payment. You will no longer have to wait for a check to clear or worry about long lines at teller windows or ATMs.

For more information, contact your Prudential financial professional.

¹ Only some of the annual mailings of shareholder materials are currently available for electronic delivery. The prospectus that is sent immediately after a fund is purchased is not currently delivered electronically.

² Pruco Securities, LLC does not currently offer online trading.

³ Quicken is a registered trademark of Intuit Inc. in the United States and/or other countries. Microsoft is a registered trademark of Microsoft Corporation in the United States and/or other countries.

⁴ Some mutual funds require you to meet an investment minimum before you can enroll in an AIP. Once enrolled in an AIP, Pruco Securities requires a minimum investment of $50 per mutual fund per transaction.

⁵ Cash balances in your account are automatically invested or deposited into your choice of available money market mutual funds or an interest-bearing deposit account.

Neither Pruco Securities, LLC nor its financial professionals render tax or legal advice. Please consult with your attorney, accountant, and/or tax professional for advice concerning your particular situation.

Securities products and services are offered through Pruco Securities, LLC, 751 Broad Street, Newark, NJ 07102, a Prudential Financial company. Member FINRA, SIPC. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities. Pruco Securities, LLC clears its trades through First Clearing, LLC, a non-bank affiliate of Wells Fargo & Company.

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