For more information, please review the link below or contact your financial advisor.

Disclosure Document

Bank Deposit Sweep Program Interest Rates as of November 28, 2025.

Bank Account Balance Range	Interest Rate	APY
$0–$24,999	0.10%	0.10%
$25,000–$99,999	0.20%	0.20%
$100,000–$249,999	0.30%	0.30%
$250,000–$499,999	0.45%	0.45%
$500,000–$999,999	0.75%	0.75%
$1,000,000–$1,999,999	1.50%	1.51%
$2,000,000 or more	2.00%	2.01%

Advisory Retirement Sweep Program Interest Rates

The interest rate for your Deposit Accounts in the ARSP as of November 28, 2025 is 1.05%. The most current interest rates may be obtained from Commonwealth on this page or from your financial advisor.

Fees Retained by Commonwealth

Commonwealth's fees for its CASP services are based on factors that include the Federal Funds Effective Rate. For more information about Commonwealth's fees, refer to the section of the above referenced CASP Disclosure Document titled "Benefits to Commonwealth and Others".

Federal Funds Effective Rate

The federal funds rate as of October 31, 2025, is 3.87%.

Program Bank List as of December 1, 2025.

Please note: A client's state of residence determines their priority list.

Position	Region 1	Region 2	Region 3	Region 4
	MA, ME, NH, RI, VT	CT, NY	AK, CO, HI, ID, KS, MT, NE, NM, NV, OR, UT, WA, WY	CA
1	U.S. Bank National Association	American Express National Bank	Goldman Sachs Bank USA	U.S. Bank National Association
2	American Express National Bank	U.S. Bank National Association	Wells Fargo Bank, National Association	American Express National Bank
3	State Street Bank and Trust Company	UBS Bank USA	UBS Bank USA	The Bank of East Asia Ltd.
4	JPMorgan Chase Bank, National Association	Goldman Sachs Bank USA	U.S. Bank National Association	JPMorgan Chase Bank, National Association
5	Synchrony Bank	JPMorgan Chase Bank, National Association	JPMorgan Chase Bank, National Association	State Street Bank and Trust Company
6	Deutsche Bank Trust Company Americas	Deutsche Bank Trust Company Americas	Deutsche Bank Trust Company Americas	Deutsche Bank Trust Company Americas
7	Barclays Bank Delaware	The Huntington National Bank	American Express National Bank	Manufacturers and Traders Trust Company
8	The Bank of East Asia Ltd.	Barclays Bank Delaware	Synchrony Bank	Synchrony Bank
9	State Bank of India	Capital One, National Association	Barclays Bank Delaware	Barclays Bank Delaware
10	The Huntington National Bank	Synchrony Bank	State Street Bank and Trust Company	Capital One, National Association
11	Capital One, National Association	Bank of China	Manufacturers and Traders Trust Company	Bank of China
12	Goldman Sachs Bank USA	State Bank of India - NY Branch	BMO Bank National Association	PNC Bank, National Association
13	Bank of China	Manufacturers and Traders Trust Company	The Bank of East Asia Ltd.	Bank of Baroda
14	UBS Bank USA	Bank of Baroda	State Bank of India	State Bank of India
15	PNC Bank, National Association	The Bank of East Asia Ltd.	Bank of China	The Huntington National Bank
16	Bank of Baroda	Wells Fargo Bank, National Association	PNC Bank, National Association	BMO Bank National Association
17	BMO Bank National Association	State Street Bank and Trust Company	The Huntington National Bank	Wells Fargo Bank, National Association
18	Wells Fargo Bank, National Association	PNC Bank, National Association	Capital One, National Association	UBS Bank USA
19	Manufacturers and Traders Trust Company	BMO Bank National Association	Cadence Bank	Cadence Bank
20	Cadence Bank	Cadence Bank	Bank of Baroda	Citibank, National Association
21	Citibank, National Association	Citibank, National Association	Citibank, National Association	Goldman Sachs Bank USA
Excess Bank List
1	U.S. Bank National Association	U.S. Bank National Association	U.S. Bank National Association	U.S. Bank National Association
2	Citibank, National Association	Citibank, National Association	Citibank, National Association	Citibank, National Association

Position	Region 5	Region 6	Region 7	Region 8	Business
	AL, AR, AZ, KY, LA, MO, OK, TN, TX	DC, DE, FL, GA, MD, MS, NC, SC	IA, IL, IN, MI, MN, ND, OH, SD, WI	NJ, PA, VA, WV All Other
1	U.S. Bank National Association	U.S. Bank National Association	Wells Fargo Bank, National Association	Wells Fargo Bank, National Association	Wells Fargo Bank, National Association
2	Synchrony Bank	PNC Bank, National Association	Cadence Bank	Goldman Sachs Bank USA	U.S. Bank National Association
3	American Express National Bank	State Bank of India	U.S. Bank National Association	UBS Bank USA	Synchrony Bank
4	State Street Bank and Trust Company	American Express National Bank	Synchrony Bank	Synchrony Bank	JPMorgan Chase Bank, National Association
5	Deutsche Bank Trust Company Americas	JPMorgan Chase Bank, National Association	JPMorgan Chase Bank, National Association	Deutsche Bank Trust Company Americas	Barclays Bank Delaware
6	Goldman Sachs Bank USA	Manufacturers and Traders Trust Company	Capital One, National Association	U.S. Bank National Association	State Bank of India NY Branch
7	Wells Fargo Bank, National Association	Synchrony Bank	PNC Bank, National Association	JPMorgan Chase Bank, National Association	Capital One, National Association
8	UBS Bank USA	UBS Bank USA	Deutsche Bank Trust Company Americas	American Express National Bank	PNC Bank, National Association
9	Capital One, National Association	The Bank of East Asia Ltd.	UBS Bank USA	Manufacturers and Traders Trust Company	Bank of China
10	Manufacturers and Traders Trust Company	Goldman Sachs Bank USA	Goldman Sachs Bank USA	State Bank of India	Bank of Baroda
11	State Bank of India	Deutsche Bank Trust Company Americas	Manufacturers and Traders Trust Company	Capital One, National Association	State Street Bank and Trust Company
12	JPMorgan Chase Bank, National Association	Wells Fargo Bank, National Association	BMO Bank National Association	State Street Bank and Trust Company	BMO Bank National Association
13	The Bank of East Asia Ltd.	BMO Bank National Association	Barclays Bank Delaware	The Bank of East Asia Ltd.	The Bank of East Asia Ltd.
14	Barclays Bank Delaware	The Huntington National Bank	American Express National Bank	Bank of China	Deutsche Bank Trust Company Americas
15	The Huntington National Bank	Cadence Bank	Bank of Baroda	The Huntington National Bank	Cadence Bank
16	Bank of China	Capital One, National Association	Bank of China	Cadence Bank	Citibank, National Association
17	Bank of the West	State Street Bank and Trust Company	The Bank of East Asia Ltd.	PNC Bank, National Association
18	Bank of Baroda	Barclays Bank Delaware	State Bank of India	Barclays Bank Delaware
19	PNC Bank, National Association	Bank of Baroda	State Street Bank and Trust Company	Bank of the West
20	Cadence Bank	Bank of China	The Huntington National Bank	Bank of Baroda
21	Citibank, National Association	Citibank, National Association	Citibank, National Association	Citibank, National Association
Excess Bank List
1	U.S. Bank National Association	U.S. Bank National Association	U.S. Bank National Association	U.S. Bank National Association	PNC Bank, National Association
2	Citibank, National Association	Citibank, National Association	Citibank, National Association	Citibank, National Association	Citibank, National Association

Eligible Accounts	Eligible Accounts (Cont.)	Ineligible Accounts
Committee (not incorporated)	Trust Under Agreement	Money Purchase Keogh (Premiere Select)
Conservator (estate)	Trust Under Will	Voluntary Money Purchase Keogh (Premiere Select)
Uniform Gifts to Minors Act	Bank	Profit-Sharing Keogh (Premiere Select)
Uniform Transfers to Minors Act	Church	Voluntary Profit-Sharing Keogh (Premiere Select)
Guardian	Corporate	Keogh MP BDA
Individual	Investment Club	Keogh PS BDA
Traditional IRA (Premiere Select)	Professional Association
Roth IRA (Premiere Select)	Professional Corporation
Rollover IRA (Premiere Select)	Unincorporated Association
SEP IRA (Premiere Select)	Limited Liability Corporation
SIMPLE IRA (Premiere Select)	Administrator
IRA BDA	Executor
Roth BDA	Partnership
Non-Prototype IRA
Non-Prototype Retirement Plan (401(a) plans)
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)

*Please contact your financial advisor for more information.

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