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

Disclosure Document

Bank Deposit Sweep Program Interest Rates as of January 22, 2021

Bank Account Balance Range	Interest Rate	APY
$0–$24,999	0.01%	0.01%
$25,000–$99,999	0.01%	0.01%
$100,000–$249,999	0.01%	0.01%
$250,000–$499,999	0.01%	0.01%
$500,000–$999,999	0.01%	0.01%
$1,000,000–$1,999,999	0.01%	0.01%
$2,000,000 or more	0.01%	0.01%

Advisory Retirement Sweep Program Interest Rates

The interest rate for your Deposit Accounts in the ARSP as of May 7, 2021, is 0.02%. Future interest rates may be obtained from Commonwealth on this page (www.commonwealth.com/for-clients/disclosure/core-account-sweep-programs) or from your financial advisor.

Program Bank List as of March 24, 2021. Please contact your financial advisor or go to www.commonwealth.com for the most current Bank List and other information about the Programs.

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

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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