Waddell & Reed

Brokerage & Cash Management

Like most people, you probably maintain a number of accounts, each to handle a different aspect of your finances. Would you like a complete view of your investments and cash holdings so your finances are easier to control? Now there's a way to get organized.

Waddell & Reed provides a full-service brokerage platform designed to help you and your financial advisor manage your investments more efficiently. Through Waddell & Reed Brokerageyou'll have access to a Corestone® asset management account. Corestone® turns an ordinary investment account into a powerful asset management tool that consolidates your investing, checking, and Visa® debit services into one convenient account. Plus, all of your account activity is organized for you on one, comprehensive statement providing a complete picture of your portfolio — including your cash — empowering you to track and monitor your finances with ease.

Whether you invest in stocks, bonds, mutual funds, annuities, managed accounts or other investments, you will have all the power of an investment account plus the convenience of cash management features — resulting in easy money management. You'll see how much your money has earned, what your investments are worth, and where your money has been spent. Each quarter your realized investment gains and losses are reported to help you gauge your investment performance. And during tax season, you have all you need to prepare your taxes accurately and easily.

Corestone® offers four levels of service - Silver, Silver Plus, Gold, and Platinum - that provide a selection of features and money-saving benefits.

Unlimited Check Writing

Write an unlimited number of checks, in any amount, at any time, and earn money market fund yields until your checks clear.

Daily Cash Sweep

Uninvested cash is automatically swept into your Waddell & Reed Advisors Cash Management Account. 1

Direct Deposit

Checks from your employer, pension plan, or Social Security earn money faster when you utilize electronic direct deposit.

Telephone Access

Our automated voice response service gives you immediate, anytime access to account information, including balances, deposit and withdrawal activity, and checking and debit card transactions.

Excess Account Protection

Member of SIPC, which protects securities customer of its members up to $500,000 (including $100,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org or https://www.pershing.com/_global-assets/pdf/understanding-the-protection-of-client-assets.pdf.

EasyPay™ Funds Transfer System

This convenient, easy-to-use service allows you to transfer funds from other checking accounts to your Corestone® account, enabling you to promptly pay for the purchases of securities and transfer funds for future investments. 3

BillSuite™ Online Bill Payment and Presentment Service

View, manage, and pay your bills your Corestone® account online. 4

Visa® Convenience

Pay for goods and services with a Visa debit care wherever Visa is accepted. 5

Worldwide ATM Access

ATM fees are waived with your Visa debit cart at more than one million ATM locations around the world. 6

Visa Travel Assistance™ Services

While traveling, Visa has you covered with information on travel requirements and currency exchange rates, road assistance services, luggage recovery services, burglary coverage, and more.

Dividend Reinvestment

Increase your earning potential by automatically reinvesting dividends at no cost. Distributions also can be deposited into your money market account.

Consolidated Statement

Your Consolidated Statement provides the status of your finances, including investment transactions, portfolio holdings, cleared checks, Visa purchases, money market fund activity, and more. 7

SelectLink® Comprehensive Account Summary

Consolidates all your brokerage account statements into one package displaying the total value of the linked accounts in a clear, concise summary that includes the net worth of each account, as well as the total net worth of the household.

Year-End Account Summary Statement

This service maintains a record of your expenses by category – Tax deductible items, withdrawals and deposits, electronic transactions and year-end cost basis – when you write a simple code on your checks or use your Visa debit card for purchases.

Live Customer Support

Access our live 24-hour customer support team for Checkwriting any time.

RewardSuite™ Points-Based Loyalty Program

Offers reward options based on your Visa debit card usage, including gift cards to leading restaurants and stores, air travel with no restrictions, gift certificates for Hyatt® and Marriott® resorts and spas and cash back on eligible purchases deposited directly to your Corestone® account. 10

Not all account types may be available on all platforms. Some products & services may not be available with all accounts. Brokerage, investment and financial advisory services are made available through Waddell & Reed, Inc., in its capacity as a registered investment adviser. Brokerage accounts cleared through Pershing LLC. SEC-Required Report on Routing of Customer Orders.

1 Money market funds are sold by prospectus only. An investment in a money market fund is not insured by the Federal Deposit Insurance Corporation or any other governmental agency. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund.
2 SIPC does not protect against potential loss in value of securities held within an account.
3 EasyPay does not charge transaction fees. However, your bank may charge a transaction fee for each debit to your checking account.
4 Clients using BillSuite™ must abide by the terms and conditions noted for such application when accessed via NetXinvestor or their financial organization's online brokerage platform.
5 Please read the Visa® Guide to Benefits for complete details
6 Individual banks may charge a surcharge for use of their ATM.
7 Your personal statement may differ based on the options chosen by your financial organization. The Consolidated Statement will only reflect activity occurring within the brokerage account for which Pershing LLC is custodian.
9 10 Clients using RewardSuite must abide by the program's terms and conditions. For information, please visit www.myrewardsuite.com.

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