Commonwealth Financial Network

BROKERAGE ACCOUNT BANK DEPOSIT SWEEP PROGRAM

Additions to cash balances awaiting reinvestment within clients’ eligible brokerage accounts are automatically swept into Commonwealth’s Brokerage Account Bank Deposit Sweep Program providing Federal Deposit Insurance Corporation (FDIC) insurance. For more information, please review the links below or contact your financial advisor.

Program Interest Rates as of February 1, 2012

Bank Account Balance Range
Interest Rate
APY
$1–$24,999 0.01% 0.01%
$25,000–$99,999 0.01% 0.01%
$100,000–$249,999 0.01% 0.01%
$250,000–$499,999 0.01% 0.01%
$500,000–$999,999 0.01% 0.01%
$1,000,000–$1,999,999 0.01% 0.01%
$2,000,000 or more 0.01% 0.01%


Program Bank List as of February 1, 2012

Position
Region 1
MA, ME, NH, RI, VT
Region 2
CT, NY
Region 3
AK, CO, HI, ID, KS, MT, NE, NM, NV, OR, UT, WA, WY
Region 4
CA
1 BMO Harris Bank N.A. Bank of China Manufacturers and Traders Trust Bank of China
2 Bank of China Wells Fargo Bank, N.A. Capital One (USA), N.A. GE Captial Retail Bank
3 New York Community Bank Capital One (USA), N.A. Wells Fargo Bank, N.A. New York Community Bank
4 GE Capital Retail Bank First Tennessee Bank, N.A. GE Capital Retail Bank BMO Harris Bank N.A.
5 Capital One (USA), N.A. East West
Bank		 Bank of China The Bank of East Asia, Ltd
6 Bank of the West Bank of the West First Tennessee Bank, N.A. Bank of the West
7

First Tennessee Bank, N.A.

 New York Community Bank East West Bank Wells Fargo Bank, N.A.
8 Manufacturers and Traders Trust Zions FNB New York Community Bank Zions FNB
9 First Niagara First Niagara Bank of the West First Tennessee Bank, N.A.
10 East West Bank BMO Harris Bank N.A. First Niagara First Niagara
11 Wells Fargo Bank, N.A. GE Capital Retail Bank Boston Private Bank Manufacturers and Traders Trust
12 The Bank of East Asia, Ltd State Bank
of India-NY Branch		 The Bank of East Asia, Ltd Capital One (USA), N.A.
13 State Bank
of India-NY Branch		 Manufacturers and Traders Trust State Bank
of India-NY Branch		 East West Bank
14 Zions FNB The Bank of East Asia, Ltd Trustmark Bank State Bank
of India-NY Branch
15 Boston Private Bank Boston Private Bank BMO Harris Bank N.A. Trustmark Bank
16 Trustmark Bank Trustmark Bank Zions FNB Boston Private Bank
Excess Banks
1 Capital One
(USA), N.A.		 Capital One
(USA), N.A.		 Capital One
(USA), N.A.		 Capital One
(USA), N.A.
2 Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. Wells Fargo Bank, N.A.
Please note: A client's state of residence determines his or her priority list.

Position
Region 5
AL, AR, AZ, KY, LA, MO, OK, TX, TN
Region 6
DC, DE, FL, GA, MD, MS, NC, SC
Region 7
IA, IL, IN, MI, MN, ND, OH, SD, WI
Region 8
NJ, PA, VA, WV, Others
1 New York Community Bank GE Capital Retail Bank Boston Private Bank BMO Harris Bank N.A.
2 Bank of China Bank of China BMO Harris Bank N.A. GE Capital Retail Bank
3 GE Capital Reatil Bank First Tennessee Bank, N.A. GE Capital Retail Bank Manufacturers and Traders Trust
4 The Bank of East Asia, Ltd Zions FNB Bank of China Bank of China
5 Capital One (USA), N.A. Bank of the West Wells Fargo Bank, N.A. Trustmark Bank
6 Zions FNB First Niagara The Bank of East Asia, Ltd New York Community Bank
7 Boston Private Bank Capital One (USA), N.A. New York Community Bank Bank of the West
8 BMO Harris Bank N.A. BMO Harris Bank N.A. First Tennessee Bank, N.A. East West Bank
9 Wells Fargo Bank, N.A. New York Community Bank Capital One (USA), N.A. State Bank
of India-NY Branch
10 East West Bank East West Bank Trustmark Bank Boston Private Bank
11 First Niagara Boston Private Bank Bank of the West Zions FNB
12 Bank of the West Trustmark Bank State Bank
of India-NY Branch		 First Niagara
13 Manufacturers and Traders Trust Manufacturers and Traders Trust East West Bank First Tennessee Bank, N.A.
14 State Bank
of India-NY
Branch		 State Bank
of India-NY Branch		 Zions FNB Capital One (USA), N.A.
15 Trustmark Bank The Bank of East Asia, Ltd Manufacturers and Traders Trust The Bank of East Asia, Ltd
16 First Tennessee Bank, N.A. Wells Fargo Bank, NA First Niagara Wells Fargo Bank, N.A.
Excess Banks
1 Capital One
(USA), N.A.		 Capital One
(USA), N.A.		 Capital One
(USA), N.A.		 Capital One
(USA), N.A.
2 Wells Fargo Bank, N.A.  Wells Fargo Bank, N.A. Wells Fargo Bank, N.A.   Wells Fargo Bank, N.A. 
Please note: A client's state of residence determines his or her priority list.


 Eligible Accounts

Committee (not incorporated)
Conservator (estate)
Uniform Gifts to Minors Act
Uniform Transfers to Minors Act
Guardian
Individual
Traditional IRA (Premiere Select)
Roth IRA (Premiere Select)
Rollover IRA (Premiere Select)
SEP-IRA (Premiere Select)
SIMPLE-IRA (Premiere Select)
Non-Prototype IRA
Sole Proprietorship (not incorporated)
Joint Community Property
Joint Tenants in Common
Joint Tenants in Entirety
Joint Usufruct
Joint with Rights of Survivorship
Person Representative
Transfer on Death (Individual)
Transfer on Death (Joint tenants)
Transfer on Death (Joint entity)


Ineligible Accounts

Bank
Church
Corporate
Investment Club
Professional Association
Professional Corporation
Unincorporated Association
Limited Liability Corporation
Money Purchase Keogh (Premiere Select)
Voluntary Money Purchase Keogh (Premiere Select)
Profit-Sharing Keogh (Premiere Select)
Voluntary Money Purchase Keogh (Premiere Select)
Voluntary Profit-Sharing Keogh (Premiere Select)
Keogh MP BDA
Keogh PS BDA
Administrator
Executor
Partnership


Conditionally Eligible Accounts*

Non-Prototype Retirement Plan
(401(a) plans)
IRA BDA
ROTH BDA
Trust Under Agreement
Trust Under Will


*Please contact your financial advisor for more information. 		 

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