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

Disclosure Document

Bank Deposit Sweep Program Interest Rates as of March 27, 2023.

Bank Account Balance Range	Interest Rate	APY
$0–$24,999	0.75%	0.75%
$25,000–$99,999	0.75%	0.75%
$100,000–$249,999	1.10%	1.11%
$250,000–$499,999	1.25%	1.26%
$500,000–$999,999	1.50%	1.51%
$1,000,000–$1,999,999	1.75%	1.76%
$2,000,000 or more	2.50%	2.53%

Advisory Retirement Sweep Program Interest Rates

The interest rate for your Deposit Accounts in the ARSP as of June 9, 2023, is 1.91%. The most current interest rates may be obtained from Commonwealth on this page or from your financial advisor.

Federal Funds Effective Rate

The federal funds rate as of May 5, 2023, is 5.08%.

Program Bank List as of March 16, 2023.

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