KeyBank understands the importance of providing you with clear, easy-to-follow reports for your treasury functions. This guide provides a detailed description of all sections in your Account Analysis
Statement. KeyBank’s Account Analysis provides the convenience of having comprehensive information at your fingertips.
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CS68095 ©2006 KeyCorp Form No. 54-6163

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The Relationship Overview provides monthly totals across all accounts in your treasury relationship; it also provides a trend analysis of historical information.
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Term
Balance
Deficiency for Eligible
Services
Service
Charges
Due
Trend
Analysis
Section
Simple Definition
Represents the net between
Balances Available to Support
Services and Balance Needed.
A negative (or positive) number illustrates a deficit (or excess) balance.
Total charges due for the settlement period across all accounts.
Provides historical information for the year to date.

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The Relationship Summary presents a summary of all of the account information.
Simple Definition Term
Balance
Summary
Section
The relevant balance iniformation for the relationship.
Average Ledger
Balance
Average
Float
The sum of the daily ledger balance divided by the number of days in the statement period for each account. The Average Ledger
Balance for the relationship summary is the aggregate of this figure for each account.
The sum of the daily float divided by the number of days in the statement period for each account. The Average Float for the relationship summary is the aggregate of this figure for each account.
Average
Negative/
Positive
Collected
Balance
The sum of the collected balances for all days when collected balances were positive
(or negative), divided by the total number of days in the month for each account.
Reserve
Requirement
The amount in balances the Federal Reserve requires to be held in deposits.
Balances
Available to
Support Eligible
Services
Service Charge
Summary Section
Also known as Investable Balances, these are the balances that are used to calculate the Earnings Credit Allowance.
The relevant service charge values for your relationship.
Service Charges
Eligible for
Earnings Credit
The total dollar amount of service charges that can be offset by an earnings allowance.
The discount earned based on the balances maintained for the month and the Earnings
Credit Rate applied to these balances.
Earnings Credit
Allowance
Billing
Information
Section
Accounts
Analyzed
Section
Service Activity
Summary
Section
Service Activity
Details Section
Details related to the billing profile.
Presents an overview of information for each account in the treasury relationship.
Provides the total service charges across the
AFP family categories.
Detailed information for each service in your relationship.

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The Account Detail provides information related to each account in the relationship. All calculations occur at the individual account level and are then rolled-up to the relationship summary.
Term Simple Definition
Rate Information
Section
The rate information associated with the account.
Earnings Credit
Rate
Service Charge
Multiplier
Uncollected
Funds Rate
Reserve
Requirement
(Rate)
Service
Charges Due
The rate used to calculate the Earnings
Credit Allowance, which offsets eligible service charges.
The amount in balances that must be maintained to offset one dollar in eligible fees.
Used to calculated the uncollected funds charge on any negative balances associated with the account.
Rate applied to the average positive collected balances to calculate the
Federal Reserve requirement.
Net service charges for the account.
Service Activity
Details
The breakdown for each service in an account.
Earnings Credit Allowance Calculation:
Earnings Credit Rate divided by 100
(to create decimal) 3.24/100
Multiplied by days in month (31)
Divided by days in year (365)
0.0324
1.0044
0.002751781
Truncated at 5 decimals 0.00275
Multiplied by the Balance Available to Support Services ($10,152.30) 28.908825
Equals the Earnings Credit Allowance
(Truncated at 2 decimals) 28.90