A bank holding is a company that owns one or more banks. The term PLASMA refers to a type of financial instrument that allows for the transfer of funds between two parties. ESCROW is a contractual arrangement in which a third party holds and regulates payment of the funds required for two parties involved in a given transaction. An ACCOUNT is a record of financial transactions maintained by a bank or other financial institution. MONEY is a medium of exchange that can be used to purchase goods and services. A LIEN is a legal claim or right on a person's property, such as real estate, to secure the payment of a debt or performance of an obligation.