EAFE- the index created by Morgan Stanley comprised of shares issued by companies in 21 countries in Europe, Asia and the Far East with developed market economies. It  excludes and the . For more, see the site www.mscibarra.com .

EM- the index created by Morgan Stanley comprised of shares issued by companies in countries with emerging market economies. For more see the site www.mscibarra.com .

Equity (Équité) - a common share or other security which provides a return to its holder which fluctuates in proportion to the dividends which the issuer pays to the holders out of the profits of the issuer. In the liquidation of the issuer the holders of the equity are generally paid last. See in general the section Equity – General.

ETF (FNB)- An exchange traded fund is a collective investment vehicle or fund in which investors purchase units or shares on the stock exchange and which in turns invests the funds so received. Unless otherwise indicated, it is not actively managed but rather invests across broad markets in similar fashion to a MF-I or index mutual fund. See section Index Funds (ETF’s and Index Mutual Funds) for a discussion. In Europe, ETF's are sometimes referred to as trackers and ETF sector funds as active ETF's; see description Euronext doc.718.