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 8, 2019

BANK ACCOUNT BALANCE RANGE
INTEREST RATE
APY
$1-$24,999 0.55% 0.55%
$25,000-$99,999 0.55% 0.55%
$100,000-$249,999 0.60% 0.60%
$250,000-$499,999 0.65% 0.65%
$500,000-$999,999 0.75% 0.75%
$1,000,000-$1,999,999 0.85% 0.85%
$2,000,000 or more 1.05% 1.05%

Advisory Retirement Sweep Program Interest Rates
The interest rate for your Deposit Accounts in the ARSP as of February 22, 2019, is 0.99%. 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 December 24, 2018

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


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.