Services, & Benefits - Prudential

Take COMMAND of Your Money
COMMAND is Prudential’s premier cash management
account developed with the smart investor in mind.
Since every investor has different goals, you choose
which services fit your ever-changing lifestyle.
COMMAND Plus SM
COMMAND Plus lets you link your other
securities accounts to your COMMAND Account.
With COMMAND Plus, all accounts in your household
receive:
• automatic daily investment sweep for all accounts
• access to COMMAND money market funds for
all accounts
• a consolidated package statement, featuring an
asset composition pie chart and quarterly
gain/loss summary
Look inside for more details about what COMMAND
can do for you.
To take advantage of all the features and services
of COMMAND, contact a Prudential Securities
Financial Advisor today.
Effective on or about July 1, 2003, investment products and services are
offered through Prudential Securities, a division of Wachovia Securities, LLC.
Any reference to Prudential Securities or Prudential Securities Incorporated in
this material is a reference to the Prudential Securities division of Wachovia
Securities, LLC. Wachovia Securities, LLC is owned, indirectly through
subsidiaries, 38 percent by Prudential Financial, Inc. and 62 percent by
Wachovia Corporation. Prudential, Pru and Rock logo marks are owned by
The Prudential Insurance Company of America and are used herein under license.
Securities products and services are
offered by Prudential Securities Incorporated,
One Seaport Plaza, New York, NY 10292
which is a Prudential company. Member
NASD, SIPC. Prudential Financial is a service
mark of the Prudential Insurance Company
of America, Newark, NJ, and its affiliates.
www.prudential.com
January 2003
A-056311
CMD311
Key Features,
Services, & Benefits

COMMAND
Key Features, Services and Benefits
Automatic Investment Sweep
• puts your money to work faster
• reviews your account daily for all free
cash credits
• automatically invests these credits into the
Money Market Fund 1 you choose
State-of-the-Art Statement
• at-a-glance summary page
• asset-allocation pie chart
• recap of your account’s total net worth
• realized & unrealized gains (losses)
• portfolio detail and account activity
• year-end complete recap of the past 12 months’
account activity for assistance in tax preparation 2
COMMAND Checkwriting 3
• unlimited number of checks per month
• personalized expense codes to help summarize
your expenses on your statement
• free copies of cancelled checks
• payees listed on monthly and
yearly statements
Funding Options
• direct deposit 8
• free deposit slips and
postage-paid envelopes
• incoming Federal Funds wires accepted
COMMAND Visa ® Platinum
Debit Card 8
• delayed debit on all purchases
• no-fee ATM access 4
• concierge service and purchase insurance
• worldwide acceptance
Cash Transfer Service (CTS)
• transfer money between your COMMAND
Account and your outside bank account(s)
• simple, convenient, toll-free phone call, or just
point and click through via the internet
• 20 free transfers per month
COMMAND Rewards SM 8
• earn one point for every dollar spent on
COMMAND Visa Platinum Card purchases 5
• redeem points for travel, merchandise,
gift certificates and 1% Cash Back
• points do not expire 6
Automatic Investment Plan 7
• easy method to save for a child’s education,
vacation or down payment on a house
• monthly automatic purchase of mutual funds
• multiple fund family choices
• convenient funding methods
COMMAND BillPay
• pay bills automatically to virtually anyone
in the U.S.
• easy access by phone or via the Internet,
24 hours a day, 7 days a week
• no more checkwriting, postage stamps
or envelopes
Dividend Reinvestment
• puts your dividends back to work for you
• automatically purchases more shares of the
same stock
• helps build your equity positions over time
• enrollment in this program is easy and free
Information Is Power
• Client Service Representatives and our Voice
Response Unit is available 7 days a week
• access account balances, checking and
Visa activity, 24 hours a day via any
touch-tone phone
Online Account Access
• secure access to account information
via the internet
• online cash management
• access to research reports and analyst notes
• real-time quotes and interactive
charting capabilities
• real-time account activity, including Visa,
deposit and checking
• copy of your statement available online within 24 hours
of month’s end
COMMAND Travel Service
• Receive a 5% rebate 9 when you use the
COMMAND Travel Service and pay using
your COMMAND Visa Platinum Debit Card. 10
• Simply call 1-877-755-8222 or log onto
www.prufn.com to make reservations. The
5% rebate will be posted to your account
30-60 days after your travel has been completed.
1
For more complete information about the COMMAND Funds, including charges,
expenses and automatic sweep procedures, please call for a current prospectus. Read
the prospectus carefully before you invest or send money. An investment in the Funds is
neither insured nor guaranteed by the Federal Deposit Insurance Corporation (FDIC)
or any other government agency. Although the Funds seek to preserve the value of your
investment at $1.00 per share, it is possible to lose money by investing in the Funds.
2
For more information, please consult your tax advisor.
3
Not available for COMMAND IRA clients unless they are 59 1 /2 or older or permanently
disabled.
4
Prudential provides ATM access at no charge and will waive the first five (5) ATM surcharges
that are imposed by third parties and that clients incur in a given calendar month.
An annual fee may apply for the COMMAND Account. Please speak to your Prudential
representative for more details.
5
ATM/Cash advances excluded.
6
Provided you remain enrolled in the program.
7
Dollar cost averaging does not assure a profit or protect against loss in declining markets.
Because such a strategy involves periodic investment, you should consider your financial
ability and willingness to continue purchases through periods of low price levels.
8
Not available for COMMAND IRA clients.
9
You must use a COMMAND Visa Debit Card to pay for your reservations in order to be eligible
for the 5% rebate. Redemptions processed through the COMMAND Rewards Program are
not eligible for the 5% rebate.
10
5% rebate is made on all commissionable air, cruise and tour travel (excluding taxes).
Special discounts apply to hotel and auto-rental reservations. COMMAND Travel Service is
not responsible for lower fares that may become available after ticketing.