Disclosure: CORE ACCOUNT SWEEP PROGRAMS

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

Bank Deposit Sweep Program Interest Rates as of January 17, 2020

BANK ACCOUNT BALANCE RANGE
INTEREST RATE
APY
$0-$24,999 0.25% 0.25%
$25,000-$99,999 0.25% 0.25%
$100,000-$249,999 0.25% 0.25%
$250,000-$499,999 0.30% 0.30%
$500,000-$999,999 0.30% 0.30%
$1,000,000-$1,999,999 0.35% 0.35%
$2,000,000 or more 0.45% 0.45%

Advisory Retirement Sweep Program Interest Rates
The interest rate for your Deposit Accounts in the ARSP as of February 21, 2020, is 0.17%. Future interest rates may be obtained from Commonwealth at www.commonwealth.com/clients/deposit-sweep-program.aspx or from your financial advisor.


Program Bank List as of January 17, 2020

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 Goldman Sachs Bank American Express National Bank Goldman Sachs Bank Manufacturers and Traders Trust
2 Bank of China Bank of China New York Community Bank Bank of China
3 State Bank of India - NY Branch Boston Private Bank Manufacturers and
Traders Trust
BancorpSouth Bank
4 BancorpSouth Bank Bank of the West East West Bank Boston Private Bank
5 Bank of the West East West Bank Boston Private Bank American Express National Bank
6 Umpqua Bank Goldman Sachs Bank Bank of China Goldman Sachs Bank
7 American Express National Bank Trustmark National Bank Bank of the West Cadence Bank, N.A.
8 Wells Fargo Bank, N.A. New York Community Bank U.S. Bank National Association Bank of the West
9 East West Bank U.S. Bank National Association American Express National Bank Trustmark National Bank
10 Manufacturers and Traders Trust WEX Bank Capital One (USA), N.A Umpqua Bank
11 New York Community Bank BancorpSouth Bank Bank of Baroda U.S. Bank National Association
12 Trustmark National Bank State Bank of India - NY Branch First Tennessee Bank East West Bank
13 Bank of Baroda Manufaturers and Traders Trust Wells Fargo Bank, N.A. New York Community Bank
14 The Bank of East Asia, Ltd Capital One (USA), N.A WEX Bank Capital One (USA), N.A.
15 Capital One (USA), N.A. Bank of Baroda The Bank of East Asia, Ltd State Bank of India - NY Branch
16 WEX Bank The Bank of East Asia, Ltd State Bank of India - NY Branch Bank of Baroda
17 Boston Private Bank Cadence Bank, N.A. Trustmark National Bank The Bank of East Asia, Ltd
18 U.S. Bank National Association Wells Fargo Bank, N.A. Cadence Bank, N.A. Wells Fargo Bank, N.A.
19 Cadence Bank, N.A. Umpqua Bank BancorpSouth Bank WEX Bank
20 Synchrony Bank Synchrony Bank Synchrony Bank Synchrony Bank
21 First Tennessee Bank, N.A. First Tennessee Bank Umpqua Bank First Tennessee Bank
Excess Banks
1 U.S. Bank National Association,
N.A.
U.S. Bank National Association,
N.A.
U.S. Bank National Association,
N.A.
U.S. Bank National Association,
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 Synchrony Bank Bank of the West Goldman Sachs Bank U.S. Bank National Association
2 The Bank of East Asia, Ltd Manufacturers and Traders Trust Frist Tennessee Bank Bank of Baroda
3 Bank of China Boston Private Bank Boston Private Bank New York Community Bank
4 American Express National Bank Bank of China Bank of China East West Bank
5 Bank of Baroda First Tennessee Bank, N.A. Manufacturers and Traders Trust Wells Fargo Bank, N.A.
6 Umpqua Bank New York Community Bank New York Community Bank Boston Private Bank
7 Boston Private Bank East West Bank Wells Fargo Bank, N.A Capital One (USA), N.A.
8 U.S. Bank National Association Wells Fargo Bank, N.A. WEX Bank Manufacturers and Traders Trust
9 BancorpSouth Bank Bank of Baroda East West Bank Manufacturers and Traders Trust
10 Cadence Bank, N.A. The Bank of East Asia, Ltd U.S. Bank National Association Cadence Bank, N.A.
11 East West Bank U.S. Bank National Association American Express National Bank WEX Bank
12 Capital One (USA), N.A. American Express National Bank Bank of the West Bank of the West
13 State Bank of India - NY Branch Capital One (USA), N.A. Capital One (USA), N.A Trustmark National Bank
14 New York Community Bank State Bank of India - NY Branch The Bank of East Asia, Ltd American Express National Bank
15 Goldman Sachs Bank Cadence Bank, N.A. State Bank of India - NY Branch Goldman Sachs Bank
16 Trustmark National Bank WEX Bank Bank of Baroda First Tennessee Bank, N.A.
17 Bank of the West Goldman Sachs Bank Trustmark National Bank Synchrony Bank
18 WEX Bank Trustmark National Bank Cadence Bank, N.A. BankcorpSouth Bank
19 Manufacturers and Traders Trust Synchrony Bank Synchorny Bank Umpqua Bank
20 Wells Fargo Bank, N.A. BancorpSouth Bank BancorpSouth Bank  
21 First Tennessee Bank, N.A Umpqua Bank Umpqua Bank  
Excess Banks
EXCESS BANKS
1 U.S. Bank National Association,
N.A.
U.S. Bank National Association,
N.A.
U.S. Bank National Association,
N.A.
U.S. Bank National Association,
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.