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 April 12, 2019, is 0.90%. 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 February 27, 2019

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