COMMAND Accounts There are two brokerage accounts: the COMMAND Account, and the Investor Account. The COMMAND Account: The COMMAND account combines the features of an investment account with the flexibility of cash management. Cash Management Features: COMMAND Visa Debit Card There are no preset limits (unlike a credit card). The limit is equal to the available cash and money market funds in your account. This card provides no-fee ATM access and is accepted worldwide. *Prudential provides ATM access at no charge. The owner or operator of an ATM may change a surcharge free for the transaction. This fee is nonrefundable. COMMAND Checkwriting There is no limit to the number of checks you can write per month written against the available funds in the account. Payees are listed on your monthly and year-end statements to make tracking of expenses a little easier. Funding Options With direct deposit, you can have funds automatically deposited into your account from your payroll, pension or Social Security. Automated Clearing House Service (Electronic Fund Transfer) You have the ability to transfer money between your COMMAND Account and your outside financial institution(s) simply by calling our toll-free phone number. Make a one-time transfer or set up automatic recurring transfers between your accounts. Online Billpay No checks. No stamps. No hassles. Online bill pay can help you manage your bills without having to worry about paper bills and checks. You can automatically pay bills from virtually anywhere via the Internet, 24 hours a day, 7 days a week through our secure system. Additional Features: System Withdrawal Plan Make regular, automatic redemptions of mutual funds within your account. Proceeds can be deposited into your investment sweep option, mailed to you or directly to your outside financial institution. You can access your account 24/7 via the Internet through www.prudential.com. Online you can view your account performance, holdings and activity. You can also obtain real-time quotes and 15-minute-delayed streaming quotes. Online, you will be able to receive statements, trade confirmations, tax documents and certain shareholder communications electronically, eliminating most paper documents. The Investor Account: If you don’t need the cash-management features available in the COMMAND Account, the Investor Account might be right for you. The Investor Account is our basic brokerage account, used for investment purposes only. Some of the other features offered through the Investor Account Include: Variety of investment choices Weekly sweep of all available cash into an available investment sweep option of your choice Transfer cash between your account and another financial institution Automatic investment plans and systematic withdrawal plans Dividend reinvestment Free deposit slips and postage-paid envelopes Quarterly account statements Realized gain/loss summary provided on year-end consolidated statement Access to your account online Feel free to contact us here at Chartered Financial Services, for more information on a COMMAND Account today. Command and Investment accounts offered through Pruco Securities, LLC (Member SPIC). John Benton offers securities as a registered representative of Pruco Securities, LLC, a Prudential Financial company. Chartered Financial Services, is not an affiliate of Prudential Financial. John Benton sells insurance products of Prudential Financial's affiliated insurance companies in addition to products of non-affiliated insurance companies. Investors should consider the investment objectives, risks, and charges and expenses carefully before investing in the fund, contract, and/or underlying portfolios. The prospectus of the fund, contract, if available, the summary prospectus, and/or the underlying portfolios contains information relating to investment objectives, risks, and charges and expenses as well as other important information. Contact your financial professional for the prospectuses, if available, the summary prospectus. You should read the prospectuses carefully before investing. It is possible to lose money when investing in securities. Investments are subject to risks including possible loss of principle. Securities, products and services are offered through Pruco Securities LLC.