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. cou9 0t AneAhN sVs De& in I10onC'I and Ir a_�d+�v,bI vlL� �f'�a,r:;f This listing of terms and defirtitwans is provided so that you can easily review how the Account Analysis figures were calculated. Average Collected Balance: The net sum of the dallq ending positive and nrgatilve, collected balances for the rnwrth, divided by the number of [days in the rmonth. The average collected balance tls the average Ie% „er balance, lass average hbaR. Average Float: 'ffre difteranc'e be wovn the average ledger balance and the average roIpected balance far ^the month I Fria nrgan chase assigns float on deposited Items based on our published availability srhedules. Average Investable Balance: The average positive; collected balance, less reserve requirement (less loan compeeahng/ halanres, if applicable), This is the balance on which the ECR is applied_ Average Ledger Balance: The net sun of the culy positive and negative ledger balances for the month, divided by the number of days in the month. Average Negative Collected Balance: The early negative collected balances for the month, divided by the number of days rn the month. This balance is used in determining the negative collected balance fee. Average Positive Collected Balance: The daily positive collected balances fog the month divided bathe number of days in the month. Average Year to Date: The balance analysis lino tale, ulations averaged for the calendar year. When an account is opened during the year, this column represents th�c average since the account was opened. Balance-Based Service Charges: Service charges that can be offset by the ear nings ¢redllt allowance. 10 Balance Required: Balance required to offset the current month's balance based service charges. This amount is calculated by dividing the trial charge f' err services by the ECR, their multiplying, by the number of days in the year ainadl dividing by the nurnber of days in the month. Balances Brought Forward: For accounts on a settlement cycle other than monthly, this represents the excess balances carded over from prior goners to be accumulated Within the current month. Balances Taken Forward:: For accounts on a settlement cycle other than monthly, this represents the excess balances accu nulated within thennalysis cycle, which wif be carried omertothe next month. Charges Brought Forward: For accounts on a settlement cycle other than monthly, this represents the amount of service charges carried aver from prior months to be accumulated within the analysis cycle. Charges Taken Forward: For accounts on a settlement cycle other than monthly, this represents the amount or service charges m( Militated within the analysis cycle, which will be carried over to the next month. Collected Balance: Ledger ha,lance less float. Credit Requirement: If required, the collected balance that must be maintained for credit services. The balance has been adjusted by the LIA reserve am¢unt- 55A -109 Earnings Credit Allowance: Calculated value of balances maintained during the month, which can be used to onset balance -based tervae charges, This, anerunt 15 calculated by multiplying, the ,ave,rave investable balance. time tht; F.C10, Times the number of days in the month, divided by the number of days in the Tear. Earnings Credit Rate: The mate used to value your average Investable balance. Excess (Deficit) Earnings Allowance: Difference between the earnings t:redit allowance and the balance- based service fringes. Excess (Dell Investable Balance: Tine excess or deficit In balances remaining after the balances required to offset the current month's ba me -based servkp charges have barn deducted. FDIC Assessment: A pass-through fee based on each $1,00o of the monthly average ledger balance, times the current Premium rate. Fee -Based Service Charges: Service charges that cannot he offset by the earnings credit allowance. Impact to Average Balance: The balance adjustment amount mullipfcvcl hnaes the number of effective days then dlvidlerl by the total number of days in the period. Impact Earnings Allowance: The amununt that is added or subtracted frorn the E'arning's Allowance as a result of balance adjustments. (c .o n t n ued)