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It refers to the applicant's first name, middle name and last name.

For names like "AnnaLee," the consensus is to use the first letter of the name as the first letter in the monogram. If AnnaLee's full name were "AnnaLee Caroline Smith," her monogram would be "ACS" in block style or "ASC" with the "S" in a larger font.

Traditionally, a monogram reads First Name Initial, Last Name Initial, Middle Name or Maiden Name Initial. With the Last Name Initial being the larger Middle Initial. For example, if you had the name Kelsie Elizabeth Vogds, her monogram would read KVE.

In the U.S., the middle name is often abbreviated to the middle initial (e.g. Mary Lee Bianchi becomes Mary L. Bianchi). This is usually standard for signatures or omitted entirely in everyday use (e.g. just Mary Bianchi). An individual may have more than one middle name, or none.

Initials are the capital letters which begin each word of a name. For example, if your full name is Michael Dennis Stocks, your initials will be M. D.

Traditionally, a monogram reads First Name Initial, Last Name Initial, Middle Name or Maiden Name Initial. With the Last Name Initial being the larger Middle Initial. For example, if you had the name Kelsie Elizabeth Vogds, her monogram would read KVE.

For names like "AnnaLee," the consensus is to use the first letter of the name as the first letter in the monogram. If AnnaLee's full name were "AnnaLee Caroline Smith," her monogram would be "ACS" in block style or "ASC" with the "S" in a larger font.

The first letter of your name is your initial. The first thing you say to someone is your initial greeting. Initial is something that occurs first or at the beginning. If someone asks you to initial a form, they're asking you to sign by writing your initials on it.