How to read your Account Analysis statement 1

Eastern Bank
One Eastern Place
Account Information Pg 1 of 6
Lynn, MA 01901-1508
A
Statement Date: 10/12/10
Customer Service Composite Account Number: 555555555
1-800-333-8000 Analysis Period: 09/10
www.easternbank.com

SAMPLE COMPANY A 000001

1234 SAMPLE DRIVE
SAMPLE MA 56789-1234

B CORPORATE ANALYSIS STATEMENT – AVERAGE BALANCE AND SERVICES SUMMARY INFORMATION

Average Ledger 111,337.55
Less Average Float (66,891.20)
Average Collected Balance 44,446.35
Less Reserve Requirement 10% 4,444.00
Investable Balance 40,002.35
Less Balance Required for Services 1,576,952.06
Deficit Balance (1,532,505.71)

Earnings on Investable Balance .30% 51.14

Total Analyzed Charges (1,814.57)
Net Analyzed Result (1,763.43)

Fee Based Charges

Total Fee Based Charges 0.00

C SETTLEMENT INFORMATION
The excess earnings credit totaling $1,763.43 were transferred to account number 555555555 on November 15, 2010.

D RELATIONSHIP ACCOUNT SUMMARY

Account Number Client Name Average Collected Required Balance Excess/(Deficit) Balance
555555555 Sample Company A $40,570.00 $1,507,828.00 ($1,467,258.00)
666666666 Sample Company B $3,876.00 $69,124.00 ($65,248.00)

E SERVICE DETAIL
Service Volume Unit Price Total Price Balance Required
General Account Services
Local Items Deposited 1,137 0.11 125.07 108,692.08
Foreign Items Deposited 1,196 0.11 131.56 114,332.22

Introducing your New Statement

F We hope you find the new analysis statement easier to read.
If you have any questions, please call us at
1-800-333-8000.

00000A_BK_0000000000_TM001

00X5BD_STMT1.21 001CU002_OSM.PRE.025/000680/001175

A
n A
 ccount Information - which includes the analysis period C Settlement Information - shows either the excess
n

as well as the composite number if applicable. earnings credit amount or the deficit fee to be charged.
B Average Balance and Services Summary - lists average
n
 Relationship Summary - Accounts in relationship, there
D
n
ledger, average collected and investable balances along with respective average collected balance and excess or deficit balance.
the balance required to pay for services. This section also
E Service Detail - shows product and service detail, volume
n

includes the net result of the analyzed charges as well as the
and price of service (detail on next page).
Earnings Credit Rate. Refer to the Balances section for details
on each balance definition (detail breakdown on the next page). F Announcements - with monthly messages of importance.
n


Please note that the statements shown are for illustration purposes only.
How to read your Account Analysis statement continued 2

Balance Information
n
1 Average Ledger - The sum of each n
5 Investable Balance - Equals the n8 Earnings on Investable Balance -
days ledger balances at the close of average collected balance minus The amount of earnings credit after the
each business day, divided by the the reserve requirement. This is the Earnings Credit Rate was applied to the
number of days in the statement period. balance which the Earnings Credit Investable Balance. The calculation is
Rate is applied to. The result is the (Investable Balance * Earnings Credit
n
2 Average Float - The sum of all funds in Eastern Bank
Earnings Account InformationRate)/ 365 * (# of days in thePgmonth).
Credit used to offset 1 of 6
the process of collection, divided by the One Eastern Place
service
Lynn, charges.
MA 01901-1508 Note: This line on the analysis state-
number of days in the statement period. Statement Date: 10/12/10
ment also has the Earnings Credit Rate.
n
3 Average Collected Balance - The

n
6 Balance Required
Customer Service to PayComposite
for Account Number: 555555555
Services AnalysistoPeriod: n
- is the balance required
1-800-333-8000 9 Total Analyzed Charges - The09/10 total
average ledger balance minus the www.easternbank.com
offset the total price of services once price of services.
average float.
the earnings credit has been applied.
n
4 Reserve Requirement - The amount
n
10 Net Analyzed Result - The amount
n7 DeficitEastern
/ ExcessBank Balance - is the (if any) that will be automatically debited
of balances that Eastern Bank keeps
balance after all
One Eastern
Account
calculations have
Place
Information Pg 1 charges
for your account for the service of 6
on reserve with the Federal Reserve Lynn, MA 01901-1508
Statement Date:
been applied. The deficit balance not covered by the Earnings on Invest-
10/12/10
Bank to comply with regulations set by
shows the additional
Customer Service balances that Account able
Composite Balances.
Number: 555555555
the Federal Reserve Board. If a rate is
SAMPLE would1-800-333-8000
be 000001
required to avoidAnalysis
a servicePeriod: 09/10
displayed onCOMPANY A
your analysis statement www.easternbank.com
n
11 Total Fee Based Charges - The sum
charge, excess balances show
that1234 SAMPLE
is the DRIVE
rate that is applied to your of all services that are not eligible to be
SAMPLE MA 56789-1234 balances in over what was required
balances. If there is no rate displayed, offset by Earnings Credit.
to pay for services.
then Eastern Bank is not assessing a
reserve requirement.

CORPORATE ANALYSIS
SAMPLE COMPANY A STATEMENT – AVERAGE BALANCE AND SERVICES SUMMARY INFORMATION
000001
1234 SAMPLE DRIVE
1 SAMPLE
Average MA 56789-1234
Ledger 111,337.55
2 Less Average Float (66,891.20)
3 Average Collected Balance 44,446.35
4 Less Reserve Requirement 10% 4,444.00
5 Investable Balance 40,002.35
6 Less Balance Required for Services 1,576,952.06
7 CORPORATE
Deficit Balance ANALYSIS STATEMENT – AVERAGE BALANCE AND SERVICES SUMMARY INFORMATION
(1,532,505.71)
Average Ledger 111,337.55
8 Earnings on Investable Balance .30% 51.14
Less Average Float (66,891.20)
9 Total Analyzed Charges (1,814.57)
Average Collected Balance 44,446.35
10 Net Analyzed Result (1,763.43)
Less Reserve Requirement 10% 4,444.00
Investable Balance 40,002.35
11 Fee Based Charges
Less Balance Required for Services 1,576,952.06
Total Fee Based Charges 0.00
Deficit Balance (1,532,505.71)

SETTLEMENT
Earnings INFORMATION
on Investable Balance .30% 51.14
Total Analyzed Charges (1,814.57)
The excess earnings
Net Analyzed Resultcredit totaling $1,763.43 were transferred to account number 555555555 on November 15, 2010. (1,763.43)

Fee Based Charges

RELATIONSHIP ACCOUNT
Total Fee Based Charges
SUMMARY 0.00
Account Number
Service Detail Client Name Average Collected Required Balance Excess/(Deficit) Balance
555555555 Sample Company A $40,570.00 $1,507,828.00 ($1,467,258.00)
SETTLEMENT
Products
666666666 INFORMATION
will be listed onSample
your updated statement
Company B in a different order and under the following categories:
$3,876.00 $69,124.00 ($65,248.00)
General
n The Account
excess Services
earnings credit totaling $1,763.43 Paper
n were Disbursement
transferred Services
to account n Information
number 555555555 on NovemberServices
15, 2010.
n SERVICE DETAIL
Compensation Information n Paper Disbursement / Reconciliation n Investment / Custody Services

RELATIONSHIP
n Service
Lockbox ACCOUNT SUMMARYn Volume
Automated Unit Price
Clearing House (ACH) n Total Price
Trust Services Balance Required

n General
Account
Payroll Account
Number
Card Services
ServicesClient Name n EDI Services Average Collected n Required
International Excess/(Deficit) Balance
Balance Services
Local Items Deposited 1,137 0.11 125.07 108,692.08
n 555555555
Depository Services Sample Company A n Wire Transfer $40,570.00 $1,507,828.00 ($1,467,258.00)
Foreign Items Deposited
Sample Company B 1,196 0.11 131.56 114,332.22
666666666 $3,876.00 $69,124.00 ($65,248.00)

SERVICE DETAIL
Service Volume Unit Price Total Price Balance Required
General Account Services
Local Items Deposited
Foreign Items Deposited
1,137
1,196
your New125.07
Introducing0.11
0.11
Statement108,692.08
131.56 114,332.22
We hope you find the new analysis statement easier to read.
If you have any questions, please call us at
1-800-333-8000.

00000A_BK_0000000000_TM001 Introducing your New Statement

We hope you find the new analysis statement easier to read.
00X5BD_STMT1.21
Please note that the statementsIfshown
you have anyillustration
are for questions, call us 001CU002_OSM.PRE.025/000680/001175
please only.
purposes at
1-800-333-8000.