This guide provides detailed information to aid you in better understanding

your account analysis. Each month you receive a detailed account analysis

statement for each individual account that pertains to your business financial

activity. For businesses with multiple accounts, you will receive a summary

account analysis statement for your entire billing relationship.

Account Analysis Statement GuideUse this handy reference guide to read and understand your business analysis statement

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9. Net Available Funds:Sum of average positive collected balances less reserve requirements,less balances required. Balance onwhich earnings credit rate is applied.

10. Description:This column lists all services used during the month.

11. Quantity Actual:This column measures the actual number of units used for each service.

12. Quantity Charge:This column measures the number ofunits charged for each service.

13. Per Item Charge:This column lists the price for eachservice.

14. Charge Amount:This column displays the total chargefor each service. The charge is calculated by multiplying the QuantityCharge by the Per Item Charge.

15. Amount Paid:This column displays any service that have already been paid for bydebiting the account.

16. Required Balance:The balance required to offset servicecharges. This amount is calculated bydividing the charge for service by theearnings credit rate then multiplyingthe number of days in the year anddividing by the number of days in the month.

17. Total Charges & Fees:This amount represents the sum of allservice charges for the month.

18. Less Charges & Fees Paid:This amount is the sum of all fees that have been paid in advance bydebiting the account. This amount is subtracted from the Total Charges & Fees.

19. Net Charges & Fees:This amount is the result of subtracting Charges & Fees Paid from Total Charges & Fees.

20. Weighted Uncollected Funds:Sum of daily negative collected balances for the month divided by the number of days in the month.

21. Weighted Earnings Credit:The calculated value of balancesmaintained during the month whichcan be used to offset balance compensated service charges. The earnings credit rate is displayedon each analysis statement. The earnings credit is calculated by theNet Available Funds X Earnings CreditRates x (Days in month/Days in year).

22. Analysis Fee BeforeAdjustments & Tax:Amount owed, if any before anyadjustments or taxes.

23. Adjusted Analysis Fee:Amount of any adjustments.

24. Weighted Taxes (State & Local):State and local taxes if applicable.

25. Analysis Fee:Charge for Services after deducting the total charge from services from the earnings credit.

1. Account Number:Your checking account number.

2. Statement Period:Beginning and ending of the statement.

3. Personal Banker:Your Commonwealth Bank BusinessBanker.

4. Average Ledger Balance:End of day balance after all debits andcredits have been posted to account;net sum of the daily positive and negative ledger balances for themonth divided by the number of daysin the month. (Balances of the lastpreceding business days are used forweekends and holidays.)

5. Less Average Float:Difference between average ledgerbalance and average collected balancefor the month.

6. Average Collected Balance:Ledger balance less the float; net sumof the daily positive and negative col-lected balances for the month dividedby the number of days in the month.

7. Less Reserve Requirement:Portion of the positive balancesCommonwealth Bank keeps ondeposit at the Federal Reserve. (Not used to offset service charges.)

8. Less Balance Required:Total balances needed for servicesrendered.

Account Analysis Statement

The Account Analysis Statement summarizes your average monthly balances, average float, reserverequirement, required balance, and net available funds. It is a step-by-step review of all services usedduring the month, product volumes, service charges and required balances. It displays how your netavailable funds and earnings credit are calculated.

To better understand the Account Analysis Statement, simply follow the numbers and their corresponding descriptions on the adjacent sample statement.

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