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

Disclosure Document

Bank Deposit Sweep Program Interest Rates as of November 29, 2022.

Bank Account Balance Range	Interest Rate	APY
$0–$24,999	0.50%	0.50%
$25,000–$99,999	0.50%	0.50%
$100,000–$249,999	0.75%	0.75%
$250,000–$499,999	1.00%	1.00%
$500,000–$999,999	1.25%	1.25%
$1,000,000–$1,999,999	1.50%	1.50%
$2,000,000 or more	2.00%	2.00%

Advisory Retirement Sweep Program Interest Rates

The interest rate for your Deposit Accounts in the ARSP as of January 6, 2023, is 2.33%. The most current interest rates may be obtained from Commonwealth on this page or from your financial advisor.

Program Bank List as of September 7, 2022.

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	Goldman Sachs Bank	American Express National Bank	Goldman Sachs Bank	Goldman Sachs Bank
2	U.S. Bank National Association	Citibank, N.A.	JPMorgan Chase Bank, N.A.	JPMorgan Chase Bank, N.A.
3	The Bank of East Asia, Ltd	U.S. Bank National Association	Deutsche Bank Trust Company Americas	Citibank, N.A.
4	Deutsche Bank Trust Company Americas	Deutsche Bank Trust Company Americas	Citibank, N.A.	Deutsche Bank Trust Company Americas
5	JPMorgan Chase Bank, N.A.	JPMorgan Chase Bank, N.A.	New York Community Bank	U.S. Bank National Association
6	Pinnacle Bank	Pinnacle Bank	U.S. Bank National Association	American Express National Bank
7	Citibank, N.A.	Bank of Hope	American Express National Bank	State Street Bank and Trust Co
8	Bank of Hope	Synchrony Bank	Synchrony Bank	Pinnacle Bank
9	American Express National Bank	Bank of China	Pinnacle Bank	Synchrony Bank
10	Synchrony Bank	PNC Bank, N.A.	Manufacturers and Traders Trust	Bank of Hope
11	Bank of China	New York Community Bank	PNC Bank, N.A.	PNC Bank, N.A.
12	PNC Bank, N.A.	State Bank of India – NY Branch	Bank of China	Bank of China
13	State Bank of India – NY Branch	East West Bank	State Bank of India – NY Branch	The Bank of East Asia, Ltd
14	Bank of Baroda	Bank of Baroda	The Bank of East Asia, Ltd	State Bank of India – NY Branch
15	State Street Bank and Trust Co.	Bank of the West	Bank of Hope	Umpqua Bank
16	New York Community Bank	Manufacturers and Traders Trust	Bank of Baroda	Manufacturers and Traders Trust
17	Bank of the West	Umpqua Bank	Bank of the West	First Horizon Bank
18	East West Bank	Goldman Sachs Bank	East West Bank	East West Bank
19	Umpqua Bank	The Bank of East Asia, Ltd	State Street Bank and Trust Co	Bank of the West
20	Capital One (USA), N.A.	State Street Bank and Trust Co	Umpqua Bank	Bank of Baroda
21	First Horizon Bank	First Internet Bank of Indiana	First Internet Bank of Indiana	Capital One (USA), N.A.
22	First Internet Bank of Indiana	Capital One (USA), N.A.	WEX Bank	First Internet Bank of Indiana
23	WEX Bank	WEX Bank	First Horizon Bank	Wells Fargo Bank, N.A.
24	Manufacturers and Traders Trust	First Horizon Bank	Capital One (USA), N.A.	New York Community Bank
25	Cadence Bank, N.A.	Cadence Bank, N.A.	Wells Fargo Bank, N.A.	Cadence Bank, N.A.
26	Wells Fargo Bank, N.A.	Wells Fargo Bank, N.A.	Cadence Bank, N.A.	WEX Bank
27	SouthEast Bank	SouthEast Bank	SouthEast Bank	SouthEast Bank
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, N.A.	Citibank, N.A.	Citibank, N.A.	Citibank, N.A.
Please note: A client's state of residence determines his or her priority list.

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	Synchrony Bank	PNC Bank, N.A.	Goldman Sachs Bank	Goldman Sachs Bank	Bank of the West
2	American Express National Bank	U.S. Bank National Association	U.S. Bank National Association	Citibank, N.A.	JPMorgan Chase Bank, N.A.
3	Citibank, N.A.	The Bank of East Asia, Ltd	New York Community Bank	U.S. Bank National Association	Citibank, N.A.
4	Pinnacle Bank	American Express National Bank	JPMorgan Chase Bank, N.A.	State Bank of India – NY Branch	U.S. Bank National Association
5	Deutsche Bank Trust Company Americas	Pinnacle Bank	Deutsche Bank Trust Company Americas	Bank of Baroda	Synchrony Bank
6	U.S. Bank National Association	Citibank, N.A.	Citibank, N.A.	American Express National Bank	Pinnacle Bank
7	Bank of Hope	Deutsche Bank Trust Company Americas	American Express National Bank	Bank of Hope	Bank of Hope
8	The Bank of East Asia, Ltd	JPMorgan Chase Bank, N.A.	Synchrony Bank	New York Community Bank	East West Bank
9	New York Community Bank	State Bank of India - NY Branch	Pinnacle Bank	Synchrony Bank	Deutsche Bank Trust Company Americas
10	Bank of China	Synchrony Bank	Bank of Baroda	Pinnacle Bank	Bank of China
11	JPMorgan Chase Bank, N.A.	Bank of China	Bank of China	Deutsche Bank Trust Company Americas	First Horizon Bank
12	PNC Bank, N.A.	New York Community Bank	PNC Bank, N.A.	Bank of China	PNC Bank, N.A.
13	State Street Bank and Trust Co	Bank of the West	East West Bank	JPMorgan Chase Bank, N.A.	Bank of Baroda
14	Bank of Baroda	Bank of Baroda	Bank of the West	PNC Bank, N.A.	New York Community Bank
15	Manufacturers and Traders Trust	Bank of Hope	The Bank of East Asia, Ltd	Capital One (USA), N.A.	First Internet Bank of Indiana
16	Goldman Sachs Bank	East West Bank	State Bank of India - NY Branch	Bank of the West	State Street Bank and Trust Co
17	State Bank of India - NY Branch	Capital One (USA), N.A.	Bank of Hope	The Bank of East Asia, Ltd	The Bank of East Asia, Ltd
18	Capital One (USA), N.A.	State Street Bank and Trust Co	First Internet Bank of Indiana	Umpqua Bank	State Bank of India - NY Branch
19	First Horizon Bank	First Horizon Bank	Manufacturers and Traders Trust	East West Bank	WEX Bank
20	Umpqua Bank	Wells Fargo Bank, N.A.	State Street Bank and Trust Co	First Horizon Bank	Wells Fargo Bank, N.A.
21	Bank of the West	WEX Bank	Umpqua Bank	Wells Fargo Bank, N.A.	Umpqua Bank
22	First Internet Bank of Indiana	Goldman Sachs Bank	First Horizon Bank	State Street Bank and Trust Co	Capital One (USA), N.A.
23	East West Bank	Manufacturers and Traders Trust	Capital One (USA), N.A.	Manufacturers and Traders Trust	Cadence Bank, N.A.
24	WEX Bank	Umpqua Bank	Wells Fargo Bank, N.A.	WEX Bank	SouthEast Bank
25	Cadence Bank, N.A.	First Internet Bank of Indiana	WEX Bank	Cadence Bank, N.A.
26	Wells Fargo Bank, N.A.	Cadence Bank, N.A.	Cadence Bank, N.A.	First Internet Bank of Indiana
27	SouthEast Bank	SouthEast Bank	SouthEast Bank	SouthEast Bank
Excess Bank List
1	U.S. Bank National Association	U.S. Bank National Association	U.S. Bank National Association	U.S. Bank National Association	U.S. Bank National Association
2	Citibank, N.A.	Citibank, N.A.	Citibank, N.A.	Citibank, N.A.	Citibank, N.A.

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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