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 September 2, 2014

    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 September 2, 2014

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