TILCO FINANCIAL SERVICES LTD.
( A HUB ASSOCIATED COMPANY )

Oct 1/03

To Whom It May Concern:

Re: Best Plans – Mr. Kyle Dunn
      BestPlans.ca – Horizon Planning Group Inc

With respect to the future success of this business. I believe that providing a leading edge, technology based referral-generating service, fills a huge hole in the financial services industry. Having spent almost thirty years in the industry myself, I know the importance of referrals and leads as does anyone in marketing. I believe that this can be a very viable business going forward and based upon Kyle’s business plan, website positioning, product knowledge and commitment, I am sure it will be.

Sincerely,

Ray Clarke
Marketing Director
Tilco Financial Services Ltd.
(a HUB Financial Associated Company)

Hub Financial Inc. is a division of HUB International, which is one of the largest and most diverse financial service companies in Canada. HUB International is a NYSE and a TSE listed company (HBG) with over 100 licensed offices across Canada.