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

Disclosure Document

Bank Deposit Sweep Program Interest Rates as of August 22, 2025.

Bank Account Balance Range	Interest Rate	APY
$0–$24,999	0.25%	0.25%
$25,000–$99,999	0.30%	0.30%
$100,000–$249,999	0.35%	0.35%
$250,000–$499,999	0.45%	0.45%
$500,000–$999,999	0.75%	0.75%
$1,000,000–$1,999,999	1.50%	1.51%
$2,000,000 or more	2.00%	2.01%

Advisory Retirement Sweep Program Interest Rates

The interest rate for your Deposit Accounts in the ARSP as of August 22, 2025 is 0.24%. The most current interest rates may be obtained from Commonwealth on this page or from your financial advisor.

Fees Retained by Commonwealth

Commonwealth's fees for its CASP services are based on factors that include the Federal Funds Effective Rate. For more information about Commonwealth's fees, refer to the section of the above referenced CASP Disclosure Document titled "Benefits to Commonwealth and Others".

Federal Funds Effective Rate

The federal funds rate as of May 2, 2025, is 4.33%.

Program Bank List as of August 22, 2025.

Please note: A client's state of residence determines their priority list.

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 USA	American Express National Bank	Goldman Sachs Bank USA	Goldman Sachs Bank USA
2	U.S. Bank National Association	U.S. Bank National Association	Wells Fargo Bank, National Association	American Express National Bank
3	American Express National Bank	UBS Bank USA	UBS Bank USA	U.S. Bank National Association
4	UBS Bank USA	Goldman Sachs Bank USA	U.S. Bank National Association	UBS Bank USA
5	JPMorgan Chase Bank, National Association	JPMorgan Chase Bank, National Association	JPMorgan Chase Bank, National Association	JPMorgan Chase Bank, National Association
6	Synchrony Bank	Deutsche Bank Trust Company Americas	Deutsche Bank Trust Company Americas	State Street Bank and Trust Company
7	Deutsche Bank Trust Company Americas	The Huntington National Bank	American Express National Bank	Deutsche Bank Trust Company Americas
8	Barclays Bank Delaware	Barclays Bank Delaware	Synchrony Bank	Manufacturers and Traders Trust Company
9	The Bank of East Asia Ltd.	Capital One, National Association	Barclays Bank Delaware	Synchrony Bank
10	State Bank of India	Synchrony Bank	State Street Bank and Trust Company	Barclays Bank Delaware
11	The Huntington National Bank	Bank of China	Manufacturers and Traders Trust Company	Capital One, National Association
12	Capital One, National Association	State Bank of India - NY Branch	BMO Bank National Association	Bank of China
13	Bank of China	Manufacturers and Traders Trust Company	The Bank of East Asia Ltd.	PNC Bank, National Association
14	State Street Bank and Trust Company	Bank of Baroda	State Bank of India	Bank of Baroda
15	PNC Bank, National Association	The Bank of East Asia Ltd.	Bank of China	State Bank of India - NY Branch
16	Bank of Baroda	Wells Fargo Bank, National Association	PNC Bank, National Association	The Huntington National Bank
17	BMO Bank National Association	State Street Bank and Trust Company	The Huntington National Bank	BMO Bank National Association
18	First Horizon Bank	PNC Bank, National Association	Capital One, National Association	Wells Fargo Bank, National Association
19	Wells Fargo Bank, National Association	BMO Bank National Association	First Horizon Bank	The Bank of East Asia Ltd.
20	Manufacturers and Traders Trust Company	First Horizon Bank	Cadence Bank	First Horizon Bank
21	Cadence Bank	Cadence Bank	Bank of Baroda	Cadence Bank
22	Citibank, National Association	Citibank, National Association	Citibank, National Association	Citibank, National Association
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, National Association	Citibank, National Association	Citibank, National Association	Citibank, National Association

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 USA	Goldman Sachs Bank USA	Wells Fargo Bank, National Association	Wells Fargo Bank, National Association
2	Goldman Sachs Bank USA	U.S. Bank National Association	UBS Bank USA	Goldman Sachs Bank USA	U.S. Bank National Association
3	American Express National Bank	UBS Bank USA	U.S. Bank National Association	UBS Bank USA	Synchrony Bank
4	U.S. Bank National Association	PNC Bank, National Association	Synchrony Bank	Synchrony Bank	JPMorgan Chase Bank, National Association
5	Wells Fargo Bank, National Association	American Express National Bank	JPMorgan Chase Bank, National Association	Deutsche Bank Trust Company Americas	Barclays Bank Delaware
6	UBS Bank USA	JPMorgan Chase Bank, National Association	Capital One, National Association	U.S. Bank National Association	State Bank of India NY Branch
7	Capital One, National Association	Manufacturers and Traders Trust Company	PNC Bank, National Association	JPMorgan Chase Bank, National Association	Capital One, National Association
8	Manufacturers and Traders Trust Company	Synchrony Bank	Deutsche Bank Trust Company Americas	American Express National Bank	PNC Bank, National Association
9	State Bank of India NY Branch	State Bank of India	Manufacturers and Traders Trust Company	Manufacturers and Traders Trust Company	First Horizon Bank
10	JPMorgan Chase Bank, National Association	The Bank of East Asia Ltd.	Wells Fargo Bank, National Association	State Bank of India	Bank of China
11	Deutsche Bank Trust Company Americas	Deutsche Bank Trust Company Americas	Bank of the West	Capital One, National Association	Bank of Baroda
12	The Bank of East Asia Ltd.	Wells Fargo Bank, National Association	Barclays Bank Delaware	State Street Bank and Trust Company	State Street Bank and Trust Company
13	Barclays Bank Delaware	BMO Bank National Association	American Express National Bank	The Bank of East Asia Ltd.	BMO Bank National Association
14	State Street Bank and Trust Company	The Huntington National Bank	Bank of Baroda	Bank of China	The Bank of East Asia Ltd.
15	The Huntington National Bank	Cadence Bank	Bank of China	The Huntington National Bank	Deutsche Bank Trust Company Americas
16	Bank of China	Capital One, National Association	The Bank of East Asia Ltd.	Cadence Bank	Cadence Bank
17	BMO Bank National Association	State Street Bank and Trust Company	State Bank of India	First Horizon Bank	Citibank, National Association
18	Bank of Baroda	Barclays Bank Delaware	State Street Bank and Trust Company	PNC Bank, National Association
19	PNC Bank, National Association	First Horizon Bank	The Huntington National Bank	Barclays Bank Delaware
20	First Horizon Bank	Bank of Baroda	Cadence Bank	Bank of the West
21	Cadence Bank	Bank of China	First Horizon Bank	Bank of Baroda
22	Citibank, National Association	Citibank, National Association	Citibank, National Association	Citibank, National Association
Excess Bank List
1	U.S. Bank National Association	U.S. Bank National Association	U.S. Bank National Association	U.S. Bank National Association	PNC Bank, National Association
2	Citibank, National Association	Citibank, National Association	Citibank, National Association	Citibank, National Association	Citibank, National Association

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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