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 October 12, 2018

BANK ACCOUNT BALANCE RANGE
INTEREST RATE
APY
$1-$24,999 0.45% 0.45%
$25,000-$99,999 0.45% 0.45%
$100,000-$249,999 0.50% 0.50%
$250,000-$499,999 0.55% 0.55%
$500,000-$999,999 0.65% 0.65%
$1,000,000-$1,999,999 0.75% 0.75%
$2,000,000 or more 0.90% 0.90%

Advisory Retirement Sweep Program Interest Rates
The interest rate for your Deposit Accounts in the ARSP as of December 14, 2018, is 0.94%. 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 November 15, 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 Boston Private Bank Bank of the West First Tennessee Bank, N.A.
3 State Bank of India - NY Branch Bank of the West Boston Private Bank Boston Private Bank
4 First Tennessee Bank, N.A. East West Bank U.S. Bank National Association American Express National Bank
5 Bank of the West KeyBank N.A. American Express National Bank Goldman Sachs Bank
6 KeyBank N.A. Goldman Sachs Bank Goldman Sachs Bank Cadence Bank, N.A.
7 American Express National Bank Trustmark National Bank KeyBank N.A. Bank of the West
8 Wells Fargo Bank, N.A. New York Community Bank Manufacturers and Traders Trust Trustmark National Bank
9 East West Bank U.S. Bank National Association WEX Bank Bank of China
10 Manufacturers and Traders Trust WEX Bank First Tennessee Bank, N.A. KeyBank N.A.
11 New York Community Bank First Tennessee Bank, N.A. East West Bank U.S. Bank National Association
12 Trustmark National Bank State Bank of India - NY Branch Capital One (USA), N.A. East West Bank
13 Bank of Baroda Manufacturers and Traders Trust Bank of Baroda New York Community Bank
14 The Bank of East Asia, Ltd Wells Fargo Bank, N.A. 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 Bank of Baroda
2 The Bank of East Asia, Ltd U.S. Bank National Association U.S. Bank National Association Boston Private Bank
3 KeyBank N.A. The Bank of East Asia, Ltd American Express National Bank State Bank of India - NY Branch
4 American Express National Bank American Express National Bank Boston Private Bank Manufacturers and Traders Trust
5 Bank of Baroda KeyBank N.A. WEX Bank Wells Fargo Bank, N.A.
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.