Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated.

Size: px
Start display at page:

Download "Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated."

Transcription

1 Itroducig Your New Wells Fargo Trust ad Ivestmet Statemet. Your Accout Iformatio Simply Stated. We are pleased to itroduce your ew easy-to-read statemet. It provides a overview of your accout ad a complete list of all assets, recet trasactios ad portfolio chage iformatio. It is orgaized to display summary iformatio first with supportig details o subsequet pages. The statemet also provides market commetary ad several graphical aalyses of your portfolio. This guide will familiarize you with the cotet ad format of your statemet. If you would like additioal accout iformatio or clarificatio of ay item i your statemet, please cotact your relatioship maager. 1 RECIPIENT NAME XXXXX XXXXX XXXXX XXX ADDRESS XXXXX XXXXX XXXXX XXXXX XXXX ADDRESS XXXXX XXXXX XXXXX XXXXX XXXX CITY STATE ZIP ACCOUNT NAME XXXXX XXXXX XXXXX BRANCH NAME XXXXX XXXXX XXXXX XXXXX XXXX BRANCH NAME 2 XXXXX XXXXX XXXXX XXXXX XXXX ADDRESS XXXXX XXXXX XXXXX XXXXX XXXXXXXX ADDRESS 2 XXXXX XXXXX XXXXX XXXXX XXXXXXXX CITY STATE ZIP 9999A NEW STATEMENT ENHANCEMENTS We re pleased to aouce the followig features, which are ew to your Ivestmet Maagemet & Trust statemet: The Accout Summary sectio has bee simplified ad Year-to-Date iformatio is ow available. For more details, please refer to the followig pages. Your statemet has adopted a ew look used exclusively for cliets of Wells Fargo Private Bak. This is oe of the first of a series of accout statemets that will be updated with this exclusive treatmet. As a cliet of The Private Bak, your statemet ow icludes the cotact iformatio for The Private Bak Service Team, which is dedicated solely to servicig the bakig ad ivestmet eeds of cliets of The Private Bak. The Private Bak Service Team ca be reached toll-free, 24 hours a day, 7 days a week, at (999) Total Accout Value $99,999,999, WELLS FARGO BANK, N.A. ACCOUNT STATEMENT FOR: ACCOUNT NAME XXXX XXXX XXXX XX RELATIONSHIP TEAM Mary Joes, Relatioship Maager (999) Tom Smith, Ivestmet Officer (999) TABLE OF CONTENTS Cosolidated Accout List 2 Accout Summary 3 Asset Allocatio 3 Accout Recociliatio 4 Cash Summary 4 Realized Gai/Loss Summary 4 Icome Summary 4 Asset Summary 5 Fixed Icome Aalysis 7 Equity Aalysis 9 Asset Detail 11 Liability Detail 20 Trasactio Detail 21 Wells Fargo Bak Fees 27 Realized Gai/Loss Detail 28 Usettled Trades 28 Cash Sweep Activity Detail 29 Commo Trust Fud Cost Basis Adjustmet Summary 29 Disclosure Messages 30 Itroductory Page. 1 The itroductory page icludes your address, accout ame, accout umber ad curret total accout value. A table of cotets directs you to specific accout iformatio i the statemet. Refer to the timely otices for updates o relevat accout ad service iformatio. For your coveiece, the ames, s ad phoe umbers of your relatioship team are listed. Please otify them if you have ay chages or updates. 2 3 Cosolidated CONSOLIDATED ACCOUNT LIST This cosolidated statemet cotais, as applicable, the asset, liability, ad trasactio detail for the followig accouts: ACCOUNT VALUE NET CHANGE ACCOUNT VALUE UNREALIZED ACCOUNT NUMBER ACCOUNT NAME AS OF 12/31/09 THIS PERIOD AS OF 01/31/10 COST BASIS GAIN/LOSS ACCOUNT LONG NAME XXXXX XXXXX XXXXX $9,999,999, $9,999,999, $9,999,999, $999, $9,999,999, ACCOUNT LONG NAME XXXXX XXXXX XXXXX 9,999,999, ,999,999, ,999,999, , ,999,999, CONSOLIDATED ACCOUNT LONG NAME XXX 9,999,999, ,999,999, ,999,999, , ,999,999, Cosolidated Accout Total $99,999,999, $99,999,999, $99,999,999, $999, $99,999,999, RELATIONSHIP SUMMARY ACCOUNT NUMBER % ALLOCATION 89.79% % Percetage of total market value by accout. Accouts 100% represetig less tha 1% of the total relatioship are combied i a sigle segmet. Percetages may ot be exact due to roudig. Cosolidated Accout List. 2 If you receive a cosolidated statemet, this sectio displays the accout umber, accout ame, previous balace, et chage, curret balace, cost basis ad urealized gai/loss for each accout icluded i the statemet. Relatioship Summary. 3 The Relatioship Summary shows the percetage of the total market value by accout ad is illustrated with a pie chart

2 4 Cosolidated CONSOLIDATED ACCOUNT SUMMARY CASH & FIXED COMPLEMENTARY REAL ACCOUNT NUMBER EQUIVALENTS INCOME EQUITIES STRATEGIES ASSETS MISCELLANEOUS LIABILITIES XXXXXXXXXXXXXXX $9,999, $9,999, $9,999, $9,999, $9,999, $9,999,999,999 $9,999, XXXXXXXXXXXXXXX 9,999, ,999, ,999, ,999, ,999, ,999,999,999 9,999, XXXXXXXXXXXXXXX 9,999, ,999, ,999, ,999, ,999, ,999,999,999 9,999, Total $9,999, $9,999, $9,999, $9,999, $9,999, $9,999, $9,999, Cosolidated Accout Summary. 4 If you receive a cosolidated statemet, this sectio displays the market value for each asset category held i every accout withi the cosolidatio. ACCOUNT SUMMARY ASSET ALLOCATION 5 6 ACCOUNT VALUE AS OF 01/31/10 % ALLOCATION % ALLOCATION Assets Cash & Equivalets $9,999,999, Cash & Equivalets % Fixed Icome 9,999,999, Fixed Icome Equities 9,999,999, Equities Complemetary Strategies 9,999,999, Complemetary Strategies Real Assets 9,999,999, Real Assets Miscellaeous 9,999,999, Miscellaeous Total Assets $99,999,999, Total Assets 100% Total Liabilities -$99,999,999, Percetages may ot be exact due to roudig. Amouts less tha.50 are ot displayed ACCOUNT VALUE $99,999,999, o graphs. Accrued Icome -$99,999,999, A ivestmet objective message goes here. A ivestmet objective message Accout Value ad Accrued Icome $99,999,999, goes here. A ivestmet objective message goes here. A ivestmet objective message goes here. A ivestmet objective message goes here. A ivestmet objective message goes here. A ivestmet objective message goes This is a disclosure or regulatory message. This is a disclosure or regulatory message. This is a disclosure or regulatory message. This is a disclosure or regulatory message. This is a disclosure or regulatory message. This is a disclosure or regulatory message. here. A ivestmet objective message goes here. A ivestmet objective message goes here. A ivestmet objective message goes here. 7 MARKET ANALYSIS A Market Aalysis message goes here. A Market Aalysis message goes here. A Market Aalysis message goes here. A Market Aalysis message goes here. A Market Aalysis message goes here. A Market Aalysis message goes here. A Market Aalysis message goes here. A Market Aalysis message goes here. A Market Aalysis message goes here. A Market Aalysis message goes here. A Market Aalysis message goes here. A Market Aalysis message goes here. A Market Aalysis message goes here. A Market Aalysis message goes here. A Market Aalysis message goes here. A Market Aalysis message goes here. A Market Aalysis message goes here. A Market Aalysis message goes here. A Market Aalysis message goes here. A Market Aalysis message goes here. Accout Summary. 5 This sectio categorizes the accout assets ad liabilities ad provides curret reportig period values for each category. For accouts that display accruals, the Accrued Icome is listed after the Accout Value. Accout Value is the amout displayed as Edig Accout Value o the followig page. 6 7 The Asset Allocatio sectio features a graph of each asset category s percetage share of the total asset balace followed by a descriptio of the ivestmet objective for the accout. A brief Market Aalysis, highlightig importat ecoomic ad market evets, is icluded o this page. 8 9 ACCOUNT VALUE CHANGE THIS PERIOD YEAR TO DATE Begiig Accout Value $99,999,999, $99,999,999, Cash Receipts 9,999,999, ,999,999, Cash Disbursemets -9,999,999, ,999,999, Assets Received 9,999,999, ,999,999, Assets Disbursed -9,999,999, ,999,999, Miscellaeous 9,999,999, ,999,999, Fees -9,999,999, ,999,999, Chage i Value 9,999,999, ,999,999, Edig Accout Value $99,999,999, $99,999,999, REALIZED GAIN/LOSS SUMMARY SHORT TERM LONG TERM This Period -$9,999,999, $9,999,999, Year to Date -$9,999,999, $9,999,999, This is a disclosure or regulatory message related to somethig o this page. This is a disclosure or regulatory message related to somethig o this page. This is a disclosure or regulatory message related to somethig o this page. This is a disclosure or regulatory message related to somethig o this page. This is a disclosure or regulatory message related to somethig o this page. CASH SUMMARY PRINCIPAL CASH INCOME CASH Begiig Balace $99,999,999, $99,999,999, Purchases -9,999,999, ,999,999, Sales 9,999,999, ,999,999, Cash Receipts 9,999,999, ,999,999, Cash Disbursemets -9,999,999, ,999,999, Cash Sweep Activity 9,999,999, ,999,999, Miscellaeous 9,999,999, ,999,999, Trasfers Withi Accout 9,999,999, ,999,999, Wells Fargo Bak Fees -9,999,999, ,999,999, Edig Balace $99,999,999, $99,999,999, INCOME SUMMARY THIS PERIOD YEAR TO DATE Taxable Iterest $9,999,999, $9,999,999, Divideds 9,999,999, ,999,999, Real Assets 9,999,999, ,999,999, Other 9,999,999, ,999,999, Total Taxable $99,999,999, $99,999,999, Tax Exempt Iterest $9,999,999, $9,999,999, Divideds 9,999,999, ,999,999, Real Assets 9,999,999, ,999,999, Other 9,999,999, ,999,999, Total Tax Exempt $99,999,999, $99,999,999, TOTAL INCOME $99,999,999, $99,999,999, This is a disclosure or regulatory message related to somethig o this page. This is a disclosure or regulatory message related to somethig o this page. This is a disclosure or regulatory message related to somethig o this page. Accout Activity. 8 The Accout Value Chage displays the activity ad chage i value of your accout sice your last statemet ad for year-to-date The Realized Gai/Loss Summary captures the realized short ad log-term gais ad/or losses resultig from accout activity for the statemet period, as well as year-to-date reportig. The Cash Summary idetifies additios to ad subtractios from your cash balace by type of activity. For accouts with separate portfolios for Pricipal ad Icome Cash, both are itemized. The Icome Summary reports the accout s taxable ad tax-exempt icome for the statemet period, as well as year-to-date reportig. (For accouts with a sigle portfolio, this sectio is titled Cash Receipt Summary).

3 ASSET SUMMARY ACCOUNT VALUE % OF UNREALIZED ESTIMATED ACCRUED AS OF 01/31/10 ASSETS GAIN/LOSS ANNUAL INCOME INCOME Cash & Equivalets Moey Market $9,999,999, % 9,999,999, $99,999,999 $99,999,999 Total Cash & Equivalets $99,999,999, % $99,999,999, $999,999,999 $999,999,999 Equities Cosumer Discretioary $9,999,999, % $9,999,999, $99,999,999 $99,999,999 Eergy 9,999,999, ,999,999, ,999,999 99,999,999 Fiacials 9,999,999, ,999,999, ,999,999 99,999,999 Idustrials 9,999,999, ,999,999, ,999,999 99,999,999 Iteratioal Equities 9,999,999, ,999,999, ,999,999 99,999,999 Total Equities $9,999,999, % $9,999,999, $99,999,999 $99,999,999 Total Assets $9,999,999, % $9,999,999, $99,999,999 $99,999,999 Total Icome $9,999,999, Total Pricipal $9,999,999, Asset Summary. 12 The Asset Summary categorizes the accout holdigs by asset type ad provides periodedig balaces, the percet of total assets, urealized gais or losses, ad estimated aual icome for each asset type. Accrued icome is listed if the accout is set to show accruals. For accouts havig separate Pricipal ad Icome portfolios, there is a summary of the total value i each at the ed of the asset summary. FIXED INCOME ANALYSIS Fixed Icome by Type Bod Maturity Schedule % OF MARKET VALUE PAR VALUE PAR VALUE AS OF 01/31/10 Less tha 1 year $9,999,999, % $9,999,999, Years 9,999,999, ,999,999, Years 9,999,999, ,999,999, Years 9,999,999, ,999,999, Years 9,999,999, ,999,999, Years 9,999,999, ,999,999, Over 20 Years 9,999,999, ,999,999, Total 100% $99,999,999, Percetages may ot be exact due to roudig. MARKET VALUE AS OF 01/31/10 % OF FIXED INCOME Govermet Obligatios $9,999,999, % Mortgage Backed Securities 9,999,999, Muicipal Bods 9,999,999, Corporate Obligatios 9,999,999, Iteratioal Obligatios 9,999,999, Preferred Securities 9,999,999, All Other Fixed Icome 9,999,999, Total Fixed Icome $99,999,999, % Percetages may ot be exact due to roudig. Amouts less tha.50 are ot displayed o graphs. All Other Fixed Icome 3% Preferred Securities 10% Iteratioal Obligatios 2% Corporate Obligatios 9% Muicipal Obligatios 39% Par Value 9,999,999,999 20,000,000 15,000,000 10,000,000 5,000,000 1,000, , ,000 0 Govermet Obligatios 25% Mortgage Backed Securities 12% Less tha Over 20 1 year Years Years Years Years Years Years Years to Maturity Fixed Icome Aalysis. 13 The Fixed Icome Aalysis is preseted whe a accout has more tha oe type of fixed icome ivestmet: Fixed Icome by Type shows a quatitative ad graphical display of fixed icome ivestmets by type. Bod Maturity Schedule categorizes ad summarizes bods held i the accout by remaiig years to maturity. Data is preseted umerically ad graphically. EQUITY ANALYSIS Idustry Sector Aalysis MARKET VALUE % OF AS OF 01/31/10 EQUITIES Cosumer Discretioary $9,999,999, % Cosumer Staples 9,999,999, Eergy 9,999,999, Fiacials 9,999,999, Health Care 9,999,999, Idustrials 9,999,999, Iformatio Techology 9,999,999, Materials 9,999,999, Telecommuicatio Services 9,999,999, Utilities 9,999,999, All Other Equities 9,999,999, Total Equities $9,999,999, % Cosumer Discretioary 6% All Other Equities 17% Cosumer Staples 8% Utilities 3% Eergy 10% Telecommuicatio Services 2% Materials 7% Fiacials 14% Iformatio Techology 8% Idustrials 12% Health Care 13% Percetages may ot be exact due to roudig. Amouts less tha.50 are ot displayed o graphs. Largest Idividual Equities MARKET VALUE % OF % OF % OF ASSET DESCRIPTION INDUSTRY SECTOR QUANTITY AS OF 01/31/10 SECTOR EQUITIES ASSETS PLAINS EXPL & PRODTN CO COM Eergy 9,999,999, $9,999,999, % % % AMERICAN EXPRESS CO Fiacials 9,999,999, ,999,999, BRISTOL MEYERS SQUIBB CO Health Care 9,999,999, ,999,999, ASSET SHORT NAMEXX XXXX XXXX XXXX X Materials 9,999,999, ,999,999, CHARACTERS XXXX XXXX XXXX XXXX X Other 9,999,999, ,999,999, XXXX XXXX XXXX XXXX XXXX XXXX XXXX X Eergy 9,999,999, ,999,999, XXXX XXXX XXXX XXXX XXXX XXXX XXXX X Utilities 9,999,999, ,999,999, XXXX XXXX XXXX XXXX XXXX XXXX XXXX X Telecommuicatio Services 9,999,999, ,999,999, XXXX XXXX XXXX XXXX XXXX XXXX XXXX X Cosumer Staples 9,999,999, ,999,999, XXXX XXXX XXXX XXXX XXXX XXXX XXXX X Materials 9,999,999, ,999,999, Total Largest Idividual Equities $9,999,999, % % Equity Aalysis. 14 The Equity Aalysis is preseted whe a accout has equity ivestmets i more tha oe idustry sector or at least oe idividual equity: Idustry Sector Aalysis presets a quatitative ad graphical display of equities by idustry sector type. Largest Idividual Equities lists the 10 largest idividual equity holdigs i order of market value.

4 ASSET DETAIL MARKET VALUE UNREALIZED ESTIMATED CURRENT OF 01/31/10 GAIN/LOSS ANNUAL INCOME YIELD ASSET DESCRIPTION QUANTITY PRICE AS COST BASIS Cash & Equivalets CASH PRINCIPAL $9,999,999, $9,999,999, $9,999,999, INCOME 9,999,999, ,999,999, ,999,999, Total Cash $99,999,999, $99,999,999, $99,999,999, MONEY MARKET ASSET LONG NAME 9,999,999, $9,999,999, $9,999,999, $9,999,999, $9,999,999, $9,999,999, % Total Moey Market $99,999,999, $99,999,999, $99,999,999, $9,999,999, % OTHER ASSET LONG NAME 9,999,999, $9,999,999, $9,999,999, $9,999,999, $9,999,999, $9,999,999, % Total Other $99,999,999, $99,999,999, $99,999,999, $9,999,999, % Total Cash & Equivalets $99,999,999, $99,999,999, $99,999,999, $9,999,999, % Asset Detail. 15 This sectio displays the idividual ivestmets held at the ed of the statemet period by asset type. The asset categories ad their totals are easily idetified i bold prit. The colum headigs chage based o the ivestmet category, icludig Quatity or Par Value, Price, Value Carried (if assets are ot scheduled for moth ed pricig) or Market Value, Cost Basis, Urealized Gai/Loss, Estimated Aual Icome or Accrued Icome (for accouts set to display accruals) ad Curret Yield or Yield to Maturity for bods. If you receive a cosolidated statemet, the descriptio of each asset will iclude the sub-accout umber i which the asset is held. For accouts holdig liabilities, Liability Detail is listed just before the Total Accout Value. TRANSACTION DETAIL (by category idicator for prototype oly) DATE QUANTITY DESCRIPTION PRINCIPAL CASH INCOME CASH COST BASIS Begiig Balace $99,999,999, $99,999,999, $99,999,999, Purchases 99/99/99 9,999,999, CHARACTER-DESCRIPTIONXXXXXXXXXXXXX -$9,999,999, $9,999,999, CUSIP_XXXXXXXXXXXX COMMISSION_XXXXXXXXXXXXXX TRADE PRICE: XXXXXXXXXXXXX 50 CHARACTER EXPLANATION_XXXX Total Purchases -$99,999,999, $99,999,999, Sales 99/99/99 9,999,999, CHARACTER-DESCRIPTIONXXXXXXXXXXXXX $9,999,999, $9,999,999, Total Sales $99,999,999, $99,999,999, Cash Receipts TAXABLE INCOME - Iterest 99/99/99 60CHARACTER-DESCRIPTIONXXXXXXXXXXXXX $9,999,999, Total Taxable Icome - Iterest $99,999,999, INCOME - Divideds 99/99/99 60CHARACTER-DESCRIPTIONXXXXXXXXXXXXX $9,999,999, Total Taxable Icome - Divideds $99,999,999, INCOME - Real Assets 99/99/99 60CHARACTER-DESCRIPTIONXXXXXXXXXXXXX $9,999,999, Total Taxable Icome - Real Assets $99,999,999, Trasactio Detail. 16 Trasactio Detail is preseted categorically by trasactio type. Alteratively, you may request trasactios be displayed chroologically by trasactio date. Whether preseted by trasactio type or date, the detail icludes the begiig ad edig cash balaces (for both Pricipal ad Icome portfolios as appropriate), the trasactio descriptio, the trasactio amout ad the cost basis (where appropriate). If you receive a cosolidated statemet, the descriptio of each trasactio will iclude the sub-accout umber i which the trasactio occurred. The Wells Fargo Bak Fees are show at the ed of the Trasactio Detail sectio for easy idetificatio. Please cotact a member of your relatioship team if you wish to chage the type of trasactio detail you receive.

5 REALIZED GAIN/LOSS DETAIL DATE SHORT TERM LONG TERM SOLD QUANTITY ASSET DESCRIPTION COST BASIS PROCEEDS REALIZED GAIN/LOSS REALIZED GAIN/LOSS 99/99/99 9,999,999, AMGEN INC -$9,999,999, $9,999,999, $9,999,999, UNITS ACQUIRED 9,999,999, ,999,999, ,999,999, ON 11/29/ UNITS ACQUIRED ON 11/29/02 9,999,999, ,999,999, ,999,999, UNITS ACQUIRED ON 11/29/02 9,999,999, ,999,999, ,999,999, /99/99 9,999,999, ANHEUSER BUSCH COS INC -9,999,999, ,999,999, ,999,999, UNITS ACQUIRED ON 11/27/02 9,999,999, ,999,999, ,999,999, /99/99 9,999,999, GENERAL DYNAMICS CORP -9,999,999, ,999,999, ,999,999, ,999,999, UNITS ACQUIRED ON 12/06/02 9,999,999, ,999,999, ,999,999, UNITS ACQUIRED ON 12/06/02 9,999,999, ,999,999, ,999,999, UNITS ACQUIRED ON 12/06/02 9,999,999, ,999,999, ,999,999, /99/99 9,999,999, ASSET SHORT NAMEXXXXXXXXXXXXXXXXXXX -9,999,999, ,999,999, ,999,999, UNITS ACQUIRED ON 99/99/99 9,999,999, ,999,999, ,999,999, /99/99 9,999,999, ASSET SHORT NAMEXXXXXXXXXXXXXXXXXX -9,999,999, ,999,999, ,999,999, UNITS ACQUIRED ON 99/99/99 9,999,999, ,999,999, ,999,999, Total This Period -$99,999,999, $99,999,999, $99,999,999, $99,999,999, Federal Tax Disclosure Message goes here. UNSETTLED TRADES DESCRIPTION QUANTITY TRADE DATE SETTLEMENT DATE ACCRUED INTEREST AMOUNT Purchases ASSET LONG NAMEXXXXXXXXXXXXXXXXXXXXXX 9,999,999, /99/99 99/99/99 -$99,999, $9,999,999, UP_TO_10LINESXXXXXXXXXXXXXXXXXXXXXXXX ASSET LONG NAMEXXXXXXXXXXXXXXXXXXXXXX 9,999,999, /99/99 99/99/99-99,999, ,999,999, UP_TO_10LINESXXXXXXXXXXXXXXXXXXXXXXXX Total Purchases -$99,999,999, $99,999,999, Sales ASSET LONG NAMEXXXXXXXXXXXXXXXXXXXXXX 9,999,999, /99/99 99/99/99 $99,999, $9,999,999, UP_TO_6LINESXXXXXXXXXXXXXXXXXXXXXXXX Total Sales $99,999,999, $99,999,999, Realized Gai/Loss Detail. 17 Realized Gai/Loss Detail lists the short- ad log-term realized gais or losses resultig from the trasactios durig the reportig period. The asset descriptio for each sale icludes the acquisitio date ad quatity of every idividual lot sold withi the trasactio. If you receive a cosolidated statemet, the descriptio of each sale will iclude the sub-accout umber i which the trasactio occurred. (Realized Gai/Loss iformatio is provided as a plaig aid, but is ot provided for tax preparatio purposes.) Usettled Trades. 18 Usettled Trades reflects purchases ad sales that have occurred, but will settle after the close of this reportig period. The quatity, amout ad accrued iterest details are provided for each usettled trade. CASH SWEEP ACTIVITY DETAIL DATE QUANTITY DESCRIPTION PRINCIPAL CASH INCOME CASH COST BASIS Purchases 99/99/99 9,999,999, CHARACTERSXXXXXXXXXXXXXXXXXXXXXXXX -$9,999,999, $9,999,999, /99/99 9,999,999, DESCRIPTION OF FUND -9,999,999, ,999,999, /99/99 9,999,999, DESCRIPTION OF FUND -9,999,999, ,999,999, Total Purchases -$99,999,999, $99,999,999, $99,999,999, Sales 99/99/99 9,999,999, DESCRIPTION OF FUND $9,999,999, $9,999,999, /99/99 9,999,999, DESCRIPTION OF FUND 9,999,999, ,999,999, /99/99 9,999,999, DESCRIPTION OF FUND 9,999,999, ,999,999, Total Sales $99,999,999, $99,999,999, $99,999,999, COMMON TRUST FUND COST BASIS ADJUSTMENT SUMMARY BEGINNING COST BASIS ENDING DESCRIPTION COST BASIS PURCHASES SALES ADJUSTMENTS COST BASIS 36CHARACTERSXXXXXXXXXXXXXXXXXXXXXXXX $9,999,999, $9,999,999, $9,999,999, $9,999,999, $9,999,999, COMMON TRUST FUND NAME 9,999,999, ,999,999, ,999,999, ,999,999, ,999,999, COMMON TRUST FUND NAME 9,999,999, ,999,999, ,999,999, ,999,999, ,999,999, COMMON TRUST FUND NAME 9,999,999, ,999,999, ,999,999, ,999,999, ,999,999, COMMON TRUST FUND NAME 9,999,999, ,999,999, ,999,999, ,999,999, ,999,999, Disclosure message goes here. Disclosure message goes here. Disclosure message goes here. Disclosure message goes here. Disclosure message goes here. Disclosure message goes here. Disclosure message goes here. Disclosure message goes here. Cash Sweep Activity Detail. 19 You may request that your statemet iclude detailed cash-sweep activity i additio to the summary iformatio provided i the Trasactio Detail sectio. This sectio lists every cash maagemet trasactio to (Purchase) or from (Sale) the desigated sweep ivestmet vehicle. Please cotact a member of your relatioship team if you wish to chage the level of Cash Sweep Activity Detail you receive. Commo Trust Fud Cost Basis Adjustmet Summary. 20 This summary lists the begiig cost basis, the cost of additioal uits purchased ad the cost of uits sold durig the period for each commo trust fud held i the accout. The cost basis adjustmet may also iclude gais or losses take whe securities are sold withi the commo trust fuds. The last colum shows the edig cost basis. Disclosure Messages. The fial statemet page cotais importat Disclosure iformatio relevat to your accout. Also ote that some disclosure messages may appear withi the statemet to highlight iformatio about a specific sectio of the statemet. These messages are provided to assist you i uderstadig both the beefits ad limitatios of the accout iformatio cotaied i this statemet.

6 Comprehesive plaig ad solutios to help you reach your fiacial goals. You have access to a team of experieced professioals to help you idetify your objectives ad tolerace for risk, moitor ad measure your progress, ad provide ogoig guidace. Your dedicated relatioship maager ca brig together a team of people from a variety of fiacial disciplies at coveiet locatios across the coutry to assist you with: Ivestmets. Trust. Bakig. Wealth Plaig. Isurace. Please cotact your relatioship maager to discuss the best solutios for meetig your short ad log-term objectives. Wells Fargo Wealth Maagemet provides products ad services through Wells Fargo Bak, N.A. ad its various affiliates ad subsidiaries. TPB-IM27008 ( /10)

How to read A Mutual Fund shareholder report

How to read A Mutual Fund shareholder report Ivestor BulletI How to read A Mutual Fud shareholder report The SEC s Office of Ivestor Educatio ad Advocacy is issuig this Ivestor Bulleti to educate idividual ivestors about mutual fud shareholder reports.

More information

INVESTMENT PERFORMANCE COUNCIL (IPC)

INVESTMENT PERFORMANCE COUNCIL (IPC) INVESTMENT PEFOMANCE COUNCIL (IPC) INVITATION TO COMMENT: Global Ivestmet Performace Stadards (GIPS ) Guidace Statemet o Calculatio Methodology The Associatio for Ivestmet Maagemet ad esearch (AIM) seeks

More information

INVESTMENT PERFORMANCE COUNCIL (IPC) Guidance Statement on Calculation Methodology

INVESTMENT PERFORMANCE COUNCIL (IPC) Guidance Statement on Calculation Methodology Adoptio Date: 4 March 2004 Effective Date: 1 Jue 2004 Retroactive Applicatio: No Public Commet Period: Aug Nov 2002 INVESTMENT PERFORMANCE COUNCIL (IPC) Preface Guidace Statemet o Calculatio Methodology

More information

How to use what you OWN to reduce what you OWE

How to use what you OWN to reduce what you OWE How to use what you OWN to reduce what you OWE Maulife Oe A Overview Most Caadias maage their fiaces by doig two thigs: 1. Depositig their icome ad other short-term assets ito chequig ad savigs accouts.

More information

CHAPTER 3 THE TIME VALUE OF MONEY

CHAPTER 3 THE TIME VALUE OF MONEY CHAPTER 3 THE TIME VALUE OF MONEY OVERVIEW A dollar i the had today is worth more tha a dollar to be received i the future because, if you had it ow, you could ivest that dollar ad ear iterest. Of all

More information

TIAA-CREF Wealth Management. Personalized, objective financial advice for every stage of life

TIAA-CREF Wealth Management. Personalized, objective financial advice for every stage of life TIAA-CREF Wealth Maagemet Persoalized, objective fiacial advice for every stage of life A persoalized team approach for a trusted lifelog relatioship No matter who you are, you ca t be a expert i all aspects

More information

Enhance Your Financial Legacy Variable Annuities with Death Benefits from Pacific Life

Enhance Your Financial Legacy Variable Annuities with Death Benefits from Pacific Life Ehace Your Fiacial Legacy Variable Auities with Death Beefits from Pacific Life 9/15 20188-15C FOR CALIFORNIA As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three

More information

Enhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life

Enhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life Ehace Your Fiacial Legacy Variable Auity Death Beefits from Pacific Life 7/15 20172-15B As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three death beefits that

More information

Best of security and convenience

Best of security and convenience Get More with Additioal Cardholders. Importat iformatio. Add a co-applicat or authorized user to your accout ad you ca take advatage of the followig beefits: RBC Royal Bak Visa Customer Service Cosolidate

More information

Statement of cash flows

Statement of cash flows 6 Statemet of cash flows this chapter covers... I this chapter we study the statemet of cash flows, which liks profit from the statemet of profit or loss ad other comprehesive icome with chages i assets

More information

5.4 Amortization. Question 1: How do you find the present value of an annuity? Question 2: How is a loan amortized?

5.4 Amortization. Question 1: How do you find the present value of an annuity? Question 2: How is a loan amortized? 5.4 Amortizatio Questio 1: How do you fid the preset value of a auity? Questio 2: How is a loa amortized? Questio 3: How do you make a amortizatio table? Oe of the most commo fiacial istrumets a perso

More information

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form Please complete usig BLOCK CAPITALS ad retur the completed form

More information

My first gold holdings. My first bank. Simple. Transparent. Individual. Our investment solutions for clients abroad.

My first gold holdings. My first bank. Simple. Transparent. Individual. Our investment solutions for clients abroad. My first gold holdigs. My first bak. Simple. Trasparet. Idividual. Our ivestmet solutios for cliets abroad. The perfect basis for workig together successfully The wheel of time is turig faster tha ever

More information

5/gallon. Earn. Then save. Cash Management. Control. Must Apply by 6/30/16. Save 25 /gallon on fuel purchases for the first 2 billing periods * ; then

5/gallon. Earn. Then save. Cash Management. Control. Must Apply by 6/30/16. Save 25 /gallon on fuel purchases for the first 2 billing periods * ; then Ear The save 25/gallo for the first 2 billig periods o fuel purchases with the ExxoMobil Busiess Card. * No miimum purchase requiremets ad o maximum savigs cap. Limited-time offer. Must apply by 6/30/16.

More information

WHAT IS YOUR PRIORITY?

WHAT IS YOUR PRIORITY? MOVE AHEAD The uderlyig priciples of soud ivestmet should ot alter from decade to decade, but the applicatio of these priciples must be adapted to sigificat chages i the fiacial mechaisms ad climate. BENJAMIN

More information

Grow your business with savings and debt management solutions

Grow your business with savings and debt management solutions Grow your busiess with savigs ad debt maagemet solutios A few great reasos to provide bak ad trust products to your cliets You have the expertise to help your cliets get the best rates ad most competitive

More information

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form Please complete usig BLOCK CAPITALS ad retur the completed form

More information

Financial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address:

Financial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address: Fiacial Services Guide Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparatio: 21/11/2005 Head Office Address: Fiacial Wisdom Limited (ABN 70 006 646 108) Australia Fiacial Services Licece No. 231138

More information

Amendments to employer debt Regulations

Amendments to employer debt Regulations March 2008 Pesios Legal Alert Amedmets to employer debt Regulatios The Govermet has at last issued Regulatios which will amed the law as to employer debts uder s75 Pesios Act 1995. The amedig Regulatios

More information

Bond Valuation I. What is a bond? Cash Flows of A Typical Bond. Bond Valuation. Coupon Rate and Current Yield. Cash Flows of A Typical Bond

Bond Valuation I. What is a bond? Cash Flows of A Typical Bond. Bond Valuation. Coupon Rate and Current Yield. Cash Flows of A Typical Bond What is a bod? Bod Valuatio I Bod is a I.O.U. Bod is a borrowig agreemet Bod issuers borrow moey from bod holders Bod is a fixed-icome security that typically pays periodic coupo paymets, ad a pricipal

More information

.04. This means $1000 is multiplied by 1.02 five times, once for each of the remaining sixmonth

.04. This means $1000 is multiplied by 1.02 five times, once for each of the remaining sixmonth Questio 1: What is a ordiary auity? Let s look at a ordiary auity that is certai ad simple. By this, we mea a auity over a fixed term whose paymet period matches the iterest coversio period. Additioally,

More information

FACTSHEET 1: DEVELOPING A STRATEGIC MANAGEMENT PLAN

FACTSHEET 1: DEVELOPING A STRATEGIC MANAGEMENT PLAN FACTSHEET 1: DEVELOPING A STRATEGIC MANAGEMENT PLAN THIS FACTSHEET RELATES TO QUESTION 2.3 OF THE MSPI (MUSEUM STANDARDS PROGRAMME FOR IRELAND) 1. Itroductio Writig a Strategic Maagemet Pla ca provide

More information

FM4 CREDIT AND BORROWING

FM4 CREDIT AND BORROWING FM4 CREDIT AND BORROWING Whe you purchase big ticket items such as cars, boats, televisios ad the like, retailers ad fiacial istitutios have various terms ad coditios that are implemeted for the cosumer

More information

I. Why is there a time value to money (TVM)?

I. Why is there a time value to money (TVM)? Itroductio to the Time Value of Moey Lecture Outlie I. Why is there the cocept of time value? II. Sigle cash flows over multiple periods III. Groups of cash flows IV. Warigs o doig time value calculatios

More information

TIAA-CREF WEALTH MANAGEMENT A HIGHLY PERSONALIZED, SOPHISTICATED SERVICE DESIGNED TO MATCH ONE OBJECTIVE: YOURS

TIAA-CREF WEALTH MANAGEMENT A HIGHLY PERSONALIZED, SOPHISTICATED SERVICE DESIGNED TO MATCH ONE OBJECTIVE: YOURS TIAA-CREF WEALTH MANAGEMENT A HIGHLY PERSONALIZED, SOPHISTICATED SERVICE DESIGNED TO MATCH ONE OBJECTIVE: YOURS TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD. OUR HISTORY We are TIAA-CREF. A full-service

More information

Introducing International Investment Advisory Services. Your global needs, our international expertise

Introducing International Investment Advisory Services. Your global needs, our international expertise Itroducig Iteratioal Ivestmet Advisory Services Your global eeds, our iteratioal expertise Stregth ad Stability from RBC For over 140 years, ivestors have tured to Royal Bak of Caada (which operates globally

More information

Preserving Your Financial Legacy with Life Insurance Premium Financing.

Preserving Your Financial Legacy with Life Insurance Premium Financing. Preservig Your Fiacial Legacy with Life Isurace Premium Fiacig. Prepared by: Keeth M. Fujita, Natioal Director, The Private Bak Specialty Fiace Group Life Isurace Premium Fiace. James Mosrie, Seior Wealth

More information

Contents. 1 Scalable Business Management Software. 2 Overview of Benefits. 3 Choosing the right Sage Accpac ERP Edition for your Business

Contents. 1 Scalable Business Management Software. 2 Overview of Benefits. 3 Choosing the right Sage Accpac ERP Edition for your Business Accpac ERP Cotets 1 Scalable Busiess Maagemet Software 2 Overview of Beefits 3 Choosig the right Sage Accpac ERP Editio for your Busiess 4 Sage Accpac ERP Feature Compariso 5 A Breakdow of Core Modules

More information

Current Year Income Assessment Form

Current Year Income Assessment Form Curret Year Icome Assessmet Form Academic Year 2015/16 Persoal details Perso 1 Your Customer Referece Number Your Customer Referece Number Name Name Date of birth Address / / Date of birth / / Address

More information

Withdrawals with SunAmerica Income Plus 6% SM

Withdrawals with SunAmerica Income Plus 6% SM Guaratee cliets Withdrawals with SuAmerica Icome Plus 6% SM More Now More Later More Flexibility Growth with SuAmerica Icome Builder 8% SM For fiacial professioal use oly. Not for distributio to the public.

More information

For customers Key features of the Guaranteed Pension Annuity

For customers Key features of the Guaranteed Pension Annuity For customers Key features of the Guarateed Pesio Auity The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide whether

More information

Investing in Stocks WHAT ARE THE DIFFERENT CLASSIFICATIONS OF STOCKS? WHY INVEST IN STOCKS? CAN YOU LOSE MONEY?

Investing in Stocks WHAT ARE THE DIFFERENT CLASSIFICATIONS OF STOCKS? WHY INVEST IN STOCKS? CAN YOU LOSE MONEY? Ivestig i Stocks Ivestig i Stocks Busiesses sell shares of stock to ivestors as a way to raise moey to fiace expasio, pay off debt ad provide operatig capital. Ecoomic coditios: Employmet, iflatio, ivetory

More information

INTERNATIONAL BUSINESS PLAN EVENT 2016

INTERNATIONAL BUSINESS PLAN EVENT 2016 INTERNATIONAL BUSINESS PLAN EVENT 2016 The Iteratioal Busiess Pla Evet ivolves the developmet of a proposal to start a ew busiess veture i a iteratioal settig. Ay type of busiess may be used. The purpose

More information

Comparing Credit Card Finance Charges

Comparing Credit Card Finance Charges Comparig Credit Card Fiace Charges Comparig Credit Card Fiace Charges Decidig if a particular credit card is right for you ivolves uderstadig what it costs ad what it offers you i retur. To determie how

More information

DC College Savings Plan Helping Children Reach a Higher Potential

DC College Savings Plan Helping Children Reach a Higher Potential 529 DC College Savigs Pla Helpig Childre Reach a Higher Potetial reach Sposored by Govermet of the District of Columbia Office of the Mayor Office of the Chief Fiacial Officer Office of Fiace ad Treasury

More information

rs e n i n Discuss various financial products for savers and nvestors Understand various types of personalities and their financial needs

rs e n i n Discuss various financial products for savers and nvestors Understand various types of personalities and their financial needs e-learig ad referece solutios for the global fiace professioal Fiacial Plaig A comprehesive e-learig co u rs e o Fi acial P la i g The themes of this product are: Kow basic cocepts i fiacial plaig Discuss

More information

Chapter 5 Unit 1. IET 350 Engineering Economics. Learning Objectives Chapter 5. Learning Objectives Unit 1. Annual Amount and Gradient Functions

Chapter 5 Unit 1. IET 350 Engineering Economics. Learning Objectives Chapter 5. Learning Objectives Unit 1. Annual Amount and Gradient Functions Chapter 5 Uit Aual Amout ad Gradiet Fuctios IET 350 Egieerig Ecoomics Learig Objectives Chapter 5 Upo completio of this chapter you should uderstad: Calculatig future values from aual amouts. Calculatig

More information

Anti-Money Laundering

Anti-Money Laundering Ati-Moey Lauderig Over the last year, moey-lauderig crimes siphoed a estimated $1.3 trillio out of the global ecoomy.* I light of this staggerig statistic, the resultig striget legislatio is uderstadable.

More information

Shareholder Information Brochure

Shareholder Information Brochure The Ivestor Service ad Automatic Divided Reivestmet Program for Shareholders of Johso & Johso Shareholder Iformatio Brochure The Program is sposored ad admiistered by Computershare Trust Compay, N.A.,

More information

FLEXIBLE GUARANTEE BOND SERIES 2

FLEXIBLE GUARANTEE BOND SERIES 2 FLEXIBLE GUARANTEE BOND SERIES 2 Key features of the Flexible Guaratee Bod Series 2 The Fiacial Coduct Authority is a fiacial services regulator. It requires us, LV=, to give you this importat iformatio

More information

Trusteed IRAs. Integrate and simplify your retirement and estate plans

Trusteed IRAs. Integrate and simplify your retirement and estate plans Trusteed IRAs Itegrate ad simplify your retiremet ad estate plas Trusteed IRAs from Merrill Lych Trust Compay To create the legacy of your dreams, you may eed more tha a Idividual Retiremet Accout ad a

More information

INDEPENDENT BUSINESS PLAN EVENT 2016

INDEPENDENT BUSINESS PLAN EVENT 2016 INDEPENDENT BUSINESS PLAN EVENT 2016 The Idepedet Busiess Pla Evet ivolves the developmet of a comprehesive proposal to start a ew busiess. Ay type of busiess may be used. The Idepedet Busiess Pla Evet

More information

PAYG instalments how to complete your activity statement

PAYG instalments how to complete your activity statement Istructios for busiesses ad ivestors PAYG istalmets how to complete your activity statemet For more iformatio visit www.ato.gov.au NAT 7393-11.2012 Our commitmet to you We are committed to providig you

More information

Sole trader financial statements

Sole trader financial statements 3 Sole trader fiacial statemets this chapter covers... I this chapter we look at preparig the year ed fiacial statemets of sole traders (that is, oe perso ruig their ow busiess). We preset the fiacial

More information

MainStay Funds IRA/SEP/Roth IRA Distribution Form

MainStay Funds IRA/SEP/Roth IRA Distribution Form MaiStay Fuds IRA/SEP/Roth IRA Distributio Form Do ot use for IRA Trasfers or SIMPLE IRA INSTRUCTIONS Before completig this form, please refer to the applicable Custodial Agreemet ad Disclosure Statemet

More information

ODBC. Getting Started With Sage Timberline Office ODBC

ODBC. Getting Started With Sage Timberline Office ODBC ODBC Gettig Started With Sage Timberlie Office ODBC NOTICE This documet ad the Sage Timberlie Office software may be used oly i accordace with the accompayig Sage Timberlie Office Ed User Licese Agreemet.

More information

Enhancing Oracle Business Intelligence with cubus EV How users of Oracle BI on Essbase cubes can benefit from cubus outperform EV Analytics (cubus EV)

Enhancing Oracle Business Intelligence with cubus EV How users of Oracle BI on Essbase cubes can benefit from cubus outperform EV Analytics (cubus EV) Ehacig Oracle Busiess Itelligece with cubus EV How users of Oracle BI o Essbase cubes ca beefit from cubus outperform EV Aalytics (cubus EV) CONTENT 01 cubus EV as a ehacemet to Oracle BI o Essbase 02

More information

International Delegation A summary for financial advisers

International Delegation A summary for financial advisers Iteratioal Delegatio A summary for fiacial advisers Cotets Please ote For fiacial adviser use oly. It should ot be distributed to, or relied upo by, retail cliets. AXA Wealth Iteratioal is the brad used

More information

PFF2 2015/16. Assessment of Financial Circumstances For parents and partners of students. /SFEngland. /SF_England SFE/PFF2/1516/B

PFF2 2015/16. Assessment of Financial Circumstances For parents and partners of students. /SFEngland. /SF_England SFE/PFF2/1516/B PFF2 2015/16 Assessmet of Fiacial Circumstaces For parets ad parters of studets SFE/PFF2/1516/B /SF_Eglad /SFEglad Who should complete this form? Complete this form if you are: The studet s atural or adoptive

More information

Flexible Spending Account

Flexible Spending Account Health Care Flexible Spedig Accout 800522 d 08/10 what is a health care flexible spedig accout? A health care flexible spedig accout is a easy, coveiet way to get more out of your paycheck. It allows you

More information

Savings and Retirement Benefits

Savings and Retirement Benefits 60 Baltimore Couty Public Schools offers you several ways to begi savig moey through payroll deductios. Defied Beefit Pesio Pla Tax Sheltered Auities ad Custodial Accouts Defied Beefit Pesio Pla Did you

More information

Geometric Sequences and Series. Geometric Sequences. Definition of Geometric Sequence. such that. a2 4

Geometric Sequences and Series. Geometric Sequences. Definition of Geometric Sequence. such that. a2 4 3330_0903qxd /5/05 :3 AM Page 663 Sectio 93 93 Geometric Sequeces ad Series 663 Geometric Sequeces ad Series What you should lear Recogize, write, ad fid the th terms of geometric sequeces Fid th partial

More information

Salon Hair Care Global Series: Market Analysis and Opportunities

Salon Hair Care Global Series: Market Analysis and Opportunities Cosumer Products I-Depth Report Series ad Iteractive Database Salo Hair Care Global Series: Market Aalysis ad Opportuities 15th Editio Data Published 1st Quarter 2013 Reports Published Jue, July, ad August

More information

Eckart Wealth Management Group

Eckart Wealth Management Group Eckart Wealth Maagemet Group A broad rage of capabilities desiged to build ad erich your fiacial life. ADVICE AND GUIDANCE RETIREMENT BANKING SOLUTIONS FOR BUSINESS TRACKING PROGRESS CREDIT AND LENDING

More information

leasing Solutions We make your Business our Business

leasing Solutions We make your Business our Business if you d like to discover how Bp paribas leasig Solutios Ca help you to achieve your goals please get i touch leasig Solutios We make your Busiess our Busiess We look forward to hearig from you you ca

More information

PRICE BAILEY CHARITIES & NOT FOR PROFIT THE RIGHT ADVICE FOR LIFE

PRICE BAILEY CHARITIES & NOT FOR PROFIT THE RIGHT ADVICE FOR LIFE PRICE BAILEY CHARITIES & NOT FOR PROFIT THE RIGHT ADVICE FOR LIFE OUR EXPERTISE To arrage a meetig with a member of for more iformatio about Price Bailey, At Price Bailey, we recogise that charity ad ot-for-profit

More information

RISK TRANSFER FOR DESIGN-BUILD TEAMS

RISK TRANSFER FOR DESIGN-BUILD TEAMS WILLIS CONSTRUCTION PRACTICE I-BEAM Jauary 2010 www.willis.com RISK TRANSFER FOR DESIGN-BUILD TEAMS Desig-builD work is icreasig each quarter. cosequetly, we are fieldig more iquiries from cliets regardig

More information

FI A CIAL MATHEMATICS

FI A CIAL MATHEMATICS CHAPTER 7 FI A CIAL MATHEMATICS Page Cotets 7.1 Compoud Value 117 7.2 Compoud Value of a Auity 118 7.3 Sikig Fuds 119 7.4 Preset Value 122 7.5 Preset Value of a Auity 122 7.6 Term Loas ad Amortizatio 123

More information

CREATIVE MARKETING PROJECT 2016

CREATIVE MARKETING PROJECT 2016 CREATIVE MARKETING PROJECT 2016 The Creative Marketig Project is a chapter project that develops i chapter members a aalytical ad creative approach to the marketig process, actively egages chapter members

More information

CCH Accounts Production

CCH Accounts Production CCH Accouts Productio accouts productio facig today s challeges Preparig statutory ad fiacial accouts is a core activity for our practice, as it is for may professioal firms. Although legislatio ad accoutig

More information

About our services and costs

About our services and costs About our services ad costs Cotets Whose products do we offer 2 Ivestmet 2 Isurace 2 Mortgages 2 Which services will we provide you with? 3 Ivestmet 3 Isurace 3 Mortgages 3 What will you have to pay us

More information

France caters to innovative companies and offers the best research tax credit in Europe

France caters to innovative companies and offers the best research tax credit in Europe 1/5 The Frech Govermet has three objectives : > improve Frace s fiscal competitiveess > cosolidate R&D activities > make Frace a attractive coutry for iovatio Tax icetives have become a key elemet of public

More information

PUBLIC RELATIONS PROJECT 2016

PUBLIC RELATIONS PROJECT 2016 PUBLIC RELATIONS PROJECT 2016 The purpose of the Public Relatios Project is to provide a opportuity for the chapter members to demostrate the kowledge ad skills eeded i plaig, orgaizig, implemetig ad evaluatig

More information

How To Find FINANCING For Your Business

How To Find FINANCING For Your Business How To Fid FINANCING For Your Busiess Oe of the most difficult tasks faced by the maagemet team of small busiesses today is fidig adequate fiacig for curret operatios i order to support ew ad ogoig cotracts.

More information

Flood Emergency Response Plan

Flood Emergency Response Plan Flood Emergecy Respose Pla This reprit is made available for iformatioal purposes oly i support of the isurace relatioship betwee FM Global ad its cliets. This iformatio does ot chage or supplemet policy

More information

Domain 1: Designing a SQL Server Instance and a Database Solution

Domain 1: Designing a SQL Server Instance and a Database Solution Maual SQL Server 2008 Desig, Optimize ad Maitai (70-450) 1-800-418-6789 Domai 1: Desigig a SQL Server Istace ad a Database Solutio Desigig for CPU, Memory ad Storage Capacity Requiremets Whe desigig a

More information

THE FAMILY BUSINESS. The Jones Family Business CASESTUDY

THE FAMILY BUSINESS. The Jones Family Business CASESTUDY THE FAMILY BUSINESS The Joes Family Busiess CASESTUDY Workig with cliets to trasitio a family busiess i the cotext of overall estate plaig ca be very emotioal ad dautig for a variety of reasos. It is ofte

More information

Information about Bankruptcy

Information about Bankruptcy Iformatio about Bakruptcy Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea What is the? The Isolvecy Service of Irelad () is a idepedet

More information

Computershare Investment Plan. Best Buy Co., Inc. Common Stock

Computershare Investment Plan. Best Buy Co., Inc. Common Stock Computershare Ivestmet Pla A Direct Stock Purchase ad Divided Reivestmet Pla for Best Buy Co., Ic. Commo Stock Best Buy Co., Ic. is listed o the New York Stock Exchage (Tradig Symbol BBY, CUSIP 086516101)

More information

A Guide to the Pricing Conventions of SFE Interest Rate Products

A Guide to the Pricing Conventions of SFE Interest Rate Products A Guide to the Pricig Covetios of SFE Iterest Rate Products SFE 30 Day Iterbak Cash Rate Futures Physical 90 Day Bak Bills SFE 90 Day Bak Bill Futures SFE 90 Day Bak Bill Futures Tick Value Calculatios

More information

Evidence requirements guide November 2016

Evidence requirements guide November 2016 INTERMEDIARIES & INVESTMENT PROFESSIONALS ONLY: NOT FOR PUBLIC DISTRIBUTION Page1of6 Evidece requiremets guide November 2016 The followig tables show our stadard documetatio requiremets for evidece. Sectio

More information

Voluntary Life and AD&D Insurance

Voluntary Life and AD&D Insurance Volutary Life ad AD&D Isurace Date: March 2014 To: All JMA beefit eligible members From: Wells Fargo Isurace Services Re: Volutary Life & Accidetal Death ad Dismembermet (AD&D) isurace If you choose to

More information

Create Income for Your Retirement. What You Can Expect. What to Consider. Page 1 of 7

Create Income for Your Retirement. What You Can Expect. What to Consider. Page 1 of 7 Page 1 of 7 RBC Retiremet Icome Plaig Process Create Icome for Your Retiremet At RBC Wealth Maagemet, we believe maagig your wealth to produce a icome durig retiremet is fudametally differet from maagig

More information

One Goal. 18-Months. Unlimited Opportunities.

One Goal. 18-Months. Unlimited Opportunities. 18 fast-track 18-Moth BACHELOR S DEGREE completio PROGRAMS Oe Goal. 18-Moths. Ulimited Opportuities. www.ortheaster.edu/cps Fast-Track Your Bachelor s Degree ad Career Goals Complete your bachelor s degree

More information

Institute of Actuaries of India Subject CT1 Financial Mathematics

Institute of Actuaries of India Subject CT1 Financial Mathematics Istitute of Actuaries of Idia Subject CT1 Fiacial Mathematics For 2014 Examiatios Subject CT1 Fiacial Mathematics Core Techical Aim The aim of the Fiacial Mathematics subject is to provide a groudig i

More information

where: T = number of years of cash flow in investment's life n = the year in which the cash flow X n i = IRR = the internal rate of return

where: T = number of years of cash flow in investment's life n = the year in which the cash flow X n i = IRR = the internal rate of return EVALUATING ALTERNATIVE CAPITAL INVESTMENT PROGRAMS By Ke D. Duft, Extesio Ecoomist I the March 98 issue of this publicatio we reviewed the procedure by which a capital ivestmet project was assessed. The

More information

he ABA Retirement Funds Program ( the Program ) leverages its size to offer its services with no out-of-pocket expenses1 to your firm.

he ABA Retirement Funds Program ( the Program ) leverages its size to offer its services with no out-of-pocket expenses1 to your firm. Program Fees T he ABA Retiremet Fuds Program ( the Program ) leverages its size to offer its services with o out-of-pocket expeses1 to your firm. HIGHE Cost Beefits VALU The Program brigs together more

More information

CCH Accountants Starter Pack

CCH Accountants Starter Pack CCH Accoutats Starter Pack We may be a bit smaller, but fudametally we re o differet to ay other accoutig practice. Util ow, smaller firms have faced a stark choice: Buy cheaply, kowig that the practice

More information

CDs Bought at a Bank verses CD s Bought from a Brokerage. Floyd Vest

CDs Bought at a Bank verses CD s Bought from a Brokerage. Floyd Vest CDs Bought at a Bak verses CD s Bought from a Brokerage Floyd Vest CDs bought at a bak. CD stads for Certificate of Deposit with the CD origiatig i a FDIC isured bak so that the CD is isured by the Uited

More information

Evidence requirements guide June 2016

Evidence requirements guide June 2016 INTERMEDIARIES & INVESTMENT PROFESSIONALS ONLY: NOT FOR PUBLIC DISTRIBUTION Page1of6 Evidece requiremets guide Jue 2016 The followig tables show our stadard documetatio requiremets for evidece. Sectio

More information

Indexed Survivor Universal Life. Agent product guide 15887 7/10

Indexed Survivor Universal Life. Agent product guide 15887 7/10 Idexed Survivor Uiversal Life Aget product guide 15887 7/10 Idexed Survivor Uiversal Life is a flexible premium survivor uiversal life isurace policy with a idex-liked iterest creditig feature. Buildig

More information

Time Value of Money. First some technical stuff. HP10B II users

Time Value of Money. First some technical stuff. HP10B II users Time Value of Moey Basis for the course Power of compoud iterest $3,600 each year ito a 401(k) pla yields $2,390,000 i 40 years First some techical stuff You will use your fiacial calculator i every sigle

More information

Revised Special Terms & Conditions

Revised Special Terms & Conditions Call: 0191 505 0033* Lies are ope betwee 9am to 6pm Moday to Friday (excludig UK bak holidays) Email us: customerservice@highyieldaccout.co.uk** Write to us: High Yield Vaquis Bak, Freepost RSGY-CKJA-BKCS,

More information

BCP ABSOLUTE RETURN BOND 16

BCP ABSOLUTE RETURN BOND 16 AVAILABLE TO INVESTMENT PENSION ARF/AMRF INVESTORS BCP ABSOLUTE A CAPITAL SECURE, ACTIVELY MANAGED, ABSOLUTE RETURN BOND THAT AIMS TO ACHIEVE CONSISTENT, POSITIVE RETURNS Uderlyig Fud has a exceptioal

More information

Bond Pricing Theorems. Floyd Vest

Bond Pricing Theorems. Floyd Vest Bod Pricig Theorems Floyd Vest The followig Bod Pricig Theorems develop mathematically such facts as, whe market iterest rates rise, the price of existig bods falls. If a perso wats to sell a bod i this

More information

BLUE SKY SRA ALLIANCE FUND

BLUE SKY SRA ALLIANCE FUND BLUE SKY SRA ALLIANCE FUND ARSN 140 253 685 PRODUCT DISCLOSURE STATEMENT Ivestmet Sciece 4 Uits (APIR Code COL0018AU) Ivestmet Sciece 9 Uits (APIR Code COL0019AU) 3 JUNE 2014 Ivestmet Sciece 16E Uits (APIR

More information

optimise your investment in Microsoft technology. Microsoft Consulting Services from CIBER

optimise your investment in Microsoft technology. Microsoft Consulting Services from CIBER optimise your ivestmet i Microsoft techology. Microsoft Cosultig Services from Microsoft Cosultig Services from MICROSOFT CONSULTING SERVICES ca help with ay stage i the lifecycle of adoptig Microsoft

More information

(VCP-310) 1-800-418-6789

(VCP-310) 1-800-418-6789 Maual VMware Lesso 1: Uderstadig the VMware Product Lie I this lesso, you will first lear what virtualizatio is. Next, you ll explore the products offered by VMware that provide virtualizatio services.

More information

SECTION 1.5 : SUMMATION NOTATION + WORK WITH SEQUENCES

SECTION 1.5 : SUMMATION NOTATION + WORK WITH SEQUENCES SECTION 1.5 : SUMMATION NOTATION + WORK WITH SEQUENCES Read Sectio 1.5 (pages 5 9) Overview I Sectio 1.5 we lear to work with summatio otatio ad formulas. We will also itroduce a brief overview of sequeces,

More information

Bajaj Allianz General Insurance Company Limited

Bajaj Allianz General Insurance Company Limited Bajaj Alliaz Geeral Isurace Compay Limited Regd. Office & Head Office : GE Plaza, Airport Road, Yerawada, Pue - 411 006. PROPOSAL FORM FOR OFFICE COVER Importat : This proposal for isurace will be the

More information

PVA(DUE) n PMT { o 2.1 PVP PMT 2.2. PVCF n CF Equity multiplier ) Total assets Common equity. r Treasury r RF MRP [r* IP] MRP 5.

PVA(DUE) n PMT { o 2.1 PVP PMT 2.2. PVCF n CF Equity multiplier ) Total assets Common equity. r Treasury r RF MRP [r* IP] MRP 5. Chapter 2 Aalysis of Fiacial Statemets et cash et Depreciatio ad flow icome amortizatio ROA et profit margi turover et icome 2.1 2.2 PVADUE PMT { o t1 PVP PMT 1 r ] Equatio Card 1 1 r t ]1 r} 1 1 _ 1 r

More information

Agency Relationship Optimizer

Agency Relationship Optimizer Decideware Developmet Agecy Relatioship Optimizer The Leadig Software Solutio for Cliet-Agecy Relatioship Maagemet supplier performace experts scorecards.deploymet.service decide ware Sa Fracisco Sydey

More information

AT THE END OF THE DAY, IT S ALL ABOUT THE EXPERIENCE. Should your private banking be any different?

AT THE END OF THE DAY, IT S ALL ABOUT THE EXPERIENCE. Should your private banking be any different? AT THE END OF THE DAY, IT S ALL ABOUT THE EXPERIENCE Should your private bakig be ay differet? Service. E x p e r t i s e. Itegrity. At Norther Trust, we take a holistic approach to servig your fiacial

More information

Individually Managed Account Service APPLICATION FORM

Individually Managed Account Service APPLICATION FORM Idividually Maaged Accout Service APPLICATION FORM July 2015 Applicatio Idividually Maaged Accout Service? How to complete the applicatio form 1. Complete the iformatio required i the Applicatio Form o

More information

A Resource for Free-standing Mathematics Qualifications Working with %

A Resource for Free-standing Mathematics Qualifications Working with % Ca you aswer these questios? A savigs accout gives % iterest per aum.. If 000 is ivested i this accout, how much will be i the accout at the ed of years? A ew car costs 16 000 ad its value falls by 1%

More information

Confidence Intervals for One Mean with Tolerance Probability

Confidence Intervals for One Mean with Tolerance Probability Chapter 421 Cofidece Itervals for Oe Mea with Tolerace Probability Itroductio This procedure calculates the sample size ecessary to achieve a specified distace from the mea to the cofidece limit(s) with

More information

For customers Income protection the facts

For customers Income protection the facts For customers Icome protectio the facts We ve desiged this documet to give you more iformatio about our icome protectio beefits. It does t form part of ay cotract betwee you ad/or us. This iformatio refers

More information

Commercial Real Estate Women Network

Commercial Real Estate Women Network Commercial Real Estate Wome Network About CREW Network Fouded i 1989, CREW Network is the idustry s premier busiess etworkig orgaizatio dedicated to ifluecig the success of the commercial real estate idustry

More information

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place.

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place. PENSION ANNUITY Policy Coditios Documet referece: PPAS1(7) This is a importat documet. Please keep it i a safe place. Pesio Auity Policy Coditios Welcome to LV=, ad thak you for choosig our Pesio Auity.

More information

Terminology for Bonds and Loans

Terminology for Bonds and Loans ³ ² ± Termiology for Bods ad Loas Pricipal give to borrower whe loa is made Simple loa: pricipal plus iterest repaid at oe date Fixed-paymet loa: series of (ofte equal) repaymets Bod is issued at some

More information