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 November 24, 2023, is 1.63%. 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 July 28, 2023, is 5.33%.

Program Bank List as of June 30, 2023.

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