July 24, 2000

To Whom It May Concern:

     I have known Kyle since 1984 and entrust him with my retirement planning and disability insurance needs since 1995.

     Forthright, insightful, well-informed, accurate and responsive best describe Kyle and his approach to client service. I'm not the most hands-on person when it comes to overseeing my investments, but I can rely on Kyle to call and let me know when a change in strategy - such as a shifting of funds between two mutual funds two years ago - can lead to greater tax protection and returns.

     And what returns I've seen! My managed acount has maintained a solid record of capital protection and growth that suits the moderately aggressive style in which I like to invest, yet well exceeds the TSE 300.

     Insurance-wise, I believe you can rely on Kyle to keep up on the latest developments in coverage, like critical illness, and to find you the best deal with a dependable company. When I was a contractor, I thought I had all the bases covered - until Kyle raised the spectre of my motorbiking, mountain biking and other outdoor pursuits posing a danger to my livelihood. Now, I really am covered.

     In short, I would - and do - recommend Kyle to my closet friends for sound investment and insurance advice.

Sincerely,

Ian Indridson
Writer/Editor