Disclosure: 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 May 1, 2015

    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 May 1, 2015

    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 Barclays Bank Delaware Barclays Bank Delaware Goldman Sachs Bank
    2 Capital One (USA), N.A. Capital One (USA), N.A. Bank of the West Bank of the West
    3 WEX Bank First Tennessee Bank, N.A. Boston Private Bank First Tennessee Bank, N.A.
    4 Bank of the West New York Community Bank Mizuho Bank (USA) Barclays Bank Delaware
    5 Boston Private Bank WEX Bank The Bank of East Asia, Ltd Bank of Baroda
    6 Talmer Bank Talmer Bank First Tennessee Bank, N.A. Mizuho Bank (USA)
    7 First Niagara Bank of Baroda Bank of Baroda Boston Private Bank
    8 The Bank of East Asia, Ltd Mizuho Bank (USA) Bank of China Cadence Bank, N.A.
    9 Barclays Bank Delaware Goldman Sachs Bank First Niagara Bank of China
    10 Bank of China Bank of the West Talmer Bank Talmer Bank
    11 Bank of Baroda Bank of China WEX Bank New York Community Bank
    12 East West Bank Boston Private Bank Manufacturers and Traders Trust Synchrony Bank
    13 First Tennessee Bank, N.A. State Bank of India - NY Branch Capital One (USA), N.A. WEX Bank
    14 New York Community Bank East West Bank Synchrony Bank State Bank of India - NY Branch
    15 Synchrony Bank First Niagara Cadence Bank, N.A. BMO Harris Bank N.A.
    16 Cadence Bank, N.A. BMO Harris Bank N.A. Goldman Sachs Bank The Bank of East Asia, Ltd
    17 Mizuho Bank (USA) Synchrony Bank Wells Fargo Bank, NA Wells Fargo Bank, NA
    18 Manufacturers and Traders Trust Cadence Bank, N.A. East West Bank First Niagara
    19 State Bank of India - NY Branch Manufacturers and Traders Trust BMO Harris Bank N.A. Manufacturers and Traders Trust
    20 BMO Harris Bank N.A. The Bank of East Asia, Ltd New York Community Bank Capital One (USA), N.A.
    21 Trustmark Bank Trustmark Bank State Bank of India - NY Branch East West Bank
    22 Wells Fargo Bank, NA Wells Fargo Bank, NA Trustmark Bank Trustmark 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, NA Wells Fargo Bank, NA Wells Fargo Bank, NA Wells Fargo Bank, NA
    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 Barclays Bank Delaware Synchrony Bank Goldman Sachs Bank Manufacturers and Traders Trust
    2 Bank of Baroda Bank of the West Boston Private Bank Goldman Sachs Bank
    3 Cadence Bank, N.A. New York Community Bank Bank of the West Barclays Bank Delaware
    4 New York Community Bank Bank of China Barclays Bank Delaware New York Community Bank
    5 Bank of the West Barclays Bank Delaware The Bank of East Asia, Ltd Bank of Baroda
    6 Boston Private Bank Capital One (USA), N.A. Mizuho Bank (USA) The Bank of East Asia, Ltd
    7 The Bank of East Asia, Ltd The Bank of East Asia, Ltd Trustmark Bank Mizuho Bank (USA)
    8 Bank of China First Tennessee Bank, N.A. Bank of Baroda Bank of the West
    9 Mizuho Bank (USA) Mizuho Bank (USA) Talmer Bank Talmer Bank
    10 Talmer Bank Cadence Bank, N.A. State Bank of India - NY Branch Bank of China
    11 Goldman Sachs Bank Bank of Baroda Manufacturers and Traders Trust East West Bank
    12 Synchrony Bank First Niagara Synchrony Bank Synchrony Bank
    13 Capital One (USA), N.A. Goldman Sachs Bank Bank of China Cadence Bank, N.A.
    14 WEX Bank Talmer Bank New York Community Bank First Tennessee Bank, N.A.
    15 BMO Harris Bank N.A. State Bank of India - NY Branch Cadence Bank, N.A. Trustmark Bank
    16 Wells Fargo Bank, NA East West Bank BMO Harris Bank N.A. WEX Bank
    17 East West Bank WEX Bank First Tennessee Bank, N.A. State Bank of India - NY Branch
    18 First Niagara Boston Private Bank Capital One (USA), N.A. Boston Private Bank
    19 Manufacturers and Traders Trust Trustmark Bank East West Bank First Niagara
    20 State Bank of India - NY Branch Manufacturers and Traders Trust WEX Bank BMO Harris Bank N.A.
    21 Trustmark Bank BMO Harris Bank N.A. First Niagara Capital One (USA), N.A.
    22 First Tennessee Bank, N.A. Wells Fargo Bank, NA Wells Fargo Bank, NA Wells Fargo Bank, NA
    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.