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Terms Account Analysis Definitions and Formulas Definitions and Formulas 07824 LCC 703 084 27015 - NN ALP Code Codes developed by the Association for Financial Professionals to stsuma Mize the reporting of Account Analysis data, Average Float Balance Average Net Ledger Balance- Average Net Collected Balance, Average Negative Collected Balance Sum of the daily ending Negative Collected Balances tlivitletl by the number of days in the analysis period. Average Net Collected Balance Average Net Ledger Balance- Average Float Balance, Average Net Ledger Balance Sum of the daily ending Ledger Balances (positive and negative) tlivitletl by the number of days in the analysis period, Average Positive Collected Balance Sum of the daily Positive Collected Balances tlivitletl by the number of days in the analysis period. Balance Compensable Service Charge Total dollar amount of Service Charges that can be offset by the Earnings Allowance, Balance Equivalent Total Service Charges Balance that is required to offsetthe Balance Compensable Service Charges in the analysis period, (Balance Compensable Service Charges x Multiplier) Charges Brought Forward For accounts on a settlement cycle other than monthly, this represents the amount of service charges carried overfeed 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 of service charge accumulated thus far which will be carried over to the next month. DDA Balance Reserve Requirement That portion of the Demand Deposit Account Balances that must be set aside by the bank to meet reserve requirements. Earnings Allowance The value of balances maintained during the analysis period which can be used to offset Balance Compensable Service Charges. (Investable Balance x Earnings Allowance Rate x (Days in Month i Days in Year)) Earnings Allowance Rate The rate used to value your Average Investable Balance. Bank designates the rate based on prevailing market and competitive rate conditions. Excess Credit Brought Forward For accounts on a settlement cycle other than monthly, this represents the amount of excess earnings credit carried over from prior months to be accumulated within the analysis cycle. Excess Credit Taken Forward For accounts on a settlement cycle other than monthly, this represents the amount of excess earnings credit accumulated thus far which will be canned over to the next month. Excess /(Deficit) Earnings Allowance The difference between the Earnings Allowance and the Balance Compensable Service Charges. (Earnings Allowance - Balance Compensable Service Charges) Excess i (Deficit) Investable Balance The excess or deficit in balances remaining after the Balances Required to offset the current analysis period's Balance Compensable Service Charges have been deduced, (Investable Balance - Balance Equivalent of Total Service Charges) Investable Balance The balance on which the Earnings Allowance Rate is applied, (Average Positive Collected Balance - DDA Balance Reserve Requirement) Multiplier The balance required to offset $1.00 of Balance Compensable Service Charges atthe prevailing Earnings Allowance Rate. (($1 00 x Days in Year) i (Earnings Allowance Rate x Days in Month)) Service Charge Amount Net charge (total Service Charge after offset of Earnings Allowance) which will be debited from your account (or invoiced if applicable). Unit Price Price per unit of service. PAGE 23 OF 24 55A -184