Assante Private Client Services are provided by Assante Asset Management Ltd. ("AAM") AAM provides portfolio management and investment advisory services as a registered advisor under securities legislation. This document has been prepared for use by AAM and is intended solely by information purposes.

Advantages of Assante Private Client

1. INDIVIDUAL CUSTOMIZATION

• Portfolios are designed unique to the needs of each and every client, rather than using "cookie cutter" portfolios.

2. INVESTMENT POLICY STATEMENT

• Acts as a written road map on how the assets will be invested.
• Ensures management team fully understands goals and objectives of the client.
• Provides a measurable and realistic expected rate of return (Managed Account Premium)

3. ASSET ALLOCATION

• Diversification in up to 8 separate asset classes (including REIT and Global Fixed Income.

4. DOWNSIDE RISK MODEL

• Objective is to preserve capital and minimize downside fluctuations.
• Uses correlation between asset classes to achieve the portfolio growth the client needs at the lowest risk possible.
• Very effective in turbulent markets where dangerous client behavior is most likely.

5. MULTI-MANAGER

• Some of the world's best investment managers are hired to manage money for each client portfolio.
• Specialists are hired to manage each individual asset class.
• Manager review process

6. PURE POOL

• Strict investment mandate to ensure that all investment managers stick to their discipline, while remaining invested at all times.

7. AUTOMATIC REBALANCING

• As each portfolio begins to drift from the asset mix outlined within the Investment Policy Statement, the are automatically rebalanced to the target asset mix weightings to maintain their risk profile.

8. COMPREHENSIVE PORTFOLIO REPORTING

• Focuses on total portfolio rather than individual asset class performance.
• 3 areas of measurement - 1) Market value vs. Net Invested Capital; 2) Net rate of return over last 12 months and annualized since inception; 3) how much have I paid.

9. INTEGRATED WEALTH PLANNING SERVICES

• Financial Analysis, Risk Management, Tax and Financial Planning Strategies and Wealth Transfer.

10. OTHER BENEFITS

• Tax efficient allocations, daily income allocation, detailed tax reporting, full fee disclosures and tax deductibility of fees on open accounts. In addition, all Assante Private Clients have access to a Private Client Manager to discuss the portfolio, wealth planning and any other that the advisor and client deem important.