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"�' d t.. i 11 <br />This guide is intended to provide information to help you understand each section of your Account <br />Analysis statement(s). Ail balance terms, column headings and summary line items are defined in <br />detail with clear cross references. <br />Information About Statements <br />Each month, you will receive a detailed Account Analysis statoment for your account. It <br />you have nudtIPle accounts, you will receive a summary Account Analysis statement for <br />your entire billing relationship In addition to a detailed Account Analysis statement for <br />each individual account. <br />Detailed Account Analysis Statement <br />The detailed Account Analysis statement contains three sections: <br />• Balance Analysis <br />A concise monthly and average year- to-date summary of your average balances, <br />service charges, and earnings allowance. This summary provides a step -by -step <br />I eview of how your investable balance and earnings allowance were calculated. <br />• Service Analysis <br />A review of all services used during the month and the resulting service charge <br />and balance equivalent. Services are grouped by product family. <br />• Adjustment Pages <br />1'0 provide summary and detailed Information related to your historical <br />adjustments and financial impacts to your bill. <br />Summary Account Analysis Statement <br />The summary Account Analysis Statement contains four sections. In addition to the <br />Balance Analysis, Service Analysis and Adjustment Anatysis sections, the summary <br />Account Analysis statement also contains a Relationship Account Summary, which <br />is a list of all accounts included in your relationship summary. <br />Account Analysis Definitions and Formulas <br />