WEALTH MANAGEMENT GLOSSARY

A Shares

ADRS

Abatement

Accrued Income

Accrued Interest

Active Trust

Administrative Provisions

Administrator

Administrator Cum Testamento Annexo (Also Known As Administrator CTA)

Administrator Cum Testamento Annexo De Bonis Non (Also Known As Administrator CTA)

Administrator With The Will Annexed

Agency

American Depository Receipts

Amortization

Annual Gift Tax Exclusion

Annuity

Apportionment

Appraisal

Asset

Attorney In Fact

Authenticated Copy

Interest that has been earned but not paid. This might include the interest calculated as due this month for a bond with a semi-annual payment normally paid next month. Because our accounts are maintained on a 'cash basis,' customers are not able to use the accrued interest until it is actually received. Accruals are therefore information totals only, intended to help the customer understand the earnings potentials of his or her account.