Create Your Own Investment Funds PRESENTED WITH OUR BUSINESS PARTNERS AUGUST 2006

Investment Fund Overview >Investment funds have traditionally been offered by larger asset management firms >There are several, distinct components in the creation, operation and ongoing management of investment fund programs >Setting up an investment fund program requires the orchestration of several different support skill sets and service providers HIGHVIEW FINANCIAL GROUP PARTNERS | CREATE YOUR OWN INVESTMENT FUNDS 2

Investment Fund Components HIGHVIEW FINANCIAL GROUP PARTNERS | CREATE YOUR OWN INVESTMENT FUNDS Investment Fund Structure Investment Management Investment Fund Operations Business Management Investment Fund Governance Professional Services > Trust > Corporation > Limited Partnership > In-house > Proprietary > Multiple Managers > Custodian > Fund Valuation > Unitholder Recordkeepi ng > Sponsor/ Fund Manager > Fund Administratio n > Trustee > Board of Directors > Legal > Audit > Investment Manager Search Structural design to satisfy client needs Investment solution design Integrated operational support services Efficient and effective managemen t of fund business Prudent oversight of fund business and client assets Specialized professional expertise

Traditional Operational Environment >Traditional operational support firms, providing services such as custody, fund accounting and recordkeeping, are typically aligned to the needs of large, asset management firms >As a result, customized solutions and pricing can sometimes be issues for small/medium-sized asset management firms HIGHVIEW FINANCIAL GROUP PARTNERS | CREATE YOUR OWN INVESTMENT FUNDS 4

Recent Developments >Rapid technology advancement and standardization has commoditized and driven down the cost of many of the operational support components > Over the past few years, new specialized operational support providers have entered the Canadian marketplace with a focus on small/medium-sized asset management firms ($50 Million - $2 Billion AUM) HIGHVIEW FINANCIAL GROUP PARTNERS | CREATE YOUR OWN INVESTMENT FUNDS 5

The Opportunity >It is possible to combine all investment fund program components into a customized, cost-effective offering >HighView Financial Group and its Partners have reverse-engineered the entire support process related to investment fund programs specifically for independent wealth management firms >Independent wealth management firms can now have their own privately-branded investment funds, with modest set-up costs and reasonable operating fees HIGHVIEW FINANCIAL GROUP PARTNERS | CREATE YOUR OWN INVESTMENT FUNDS 6

HighView’s Offering >HighView Financial Group and its Partners can offer a complete solution for the creation and ongoing management of investment fund programs >HighView will orchestrate all the operational components and service providers required to create and maintain a distinct, specialized investment fund offering HIGHVIEW FINANCIAL GROUP PARTNERS | CREATE YOUR OWN INVESTMENT FUNDS 7

HighView Investment Fund Partners HIGHVIEW FINANCIAL GROUP PARTNERS | CREATE YOUR OWN INVESTMENT FUNDS 8

Who Can Create Their Own Investment Fund? >There are regulatory restrictions on the distribution and portfolio management of investment funds. >However, many different types of wealth management firms can “sponsor” their own investment funds: > IDA Firms > Investment Counselors > MFDA Firms > Insurance Firms > Multiple Family Offices HIGHVIEW FINANCIAL GROUP PARTNERS | CREATE YOUR OWN INVESTMENT FUNDS 9

Benefits of Your Own Investment Funds 1.Broaden your client relationships 2.Segment your clients 3.Enhance your firm’s operational efficiencies 4.Lower cost of investment fund ownership for clients 5.Extend your firm’s brand through other distribution channels HIGHVIEW FINANCIAL GROUP PARTNERS | CREATE YOUR OWN INVESTMENT FUNDS10

How Can HighView & Its Partners Help? >HighView Financial Group and its Strategic Partners can help in two broad areas: HIGHVIEW FINANCIAL GROUP PARTNERS | CREATE YOUR OWN INVESTMENT FUNDS11 Investment Fund Set-upInvestment Fund Governance and Management Design Sourcing of all operational support and professional services providers Project management and implementation Act as professional advisor to investment fund governance bodies Provide ongoing oversight and management of investment fund operations

Why HighView Financial Group? 1.Experienced Partners 2.Customized Solutions 3.Integrated Solutions 4.Access To Specialists 5.Cost Advantages 6.Complete Objectivity HIGHVIEW FINANCIAL GROUP PARTNERS | CREATE YOUR OWN INVESTMENT FUNDS12

To Learn More Capstream Inc. David Erickson Phone: (416) HighView Financial Group Inc. Mark Barnicutt Phone: (905) HIGHVIEW FINANCIAL GROUP PARTNERS | CREATE YOUR OWN INVESTMENT FUNDS13