An Overview

Empowering Investors

Forever Earning Your Trust

Some Of The Realities Of Investing Today:

October 1, 2010 2

Global Economic Realities

Global Economic Interdependence

Vulnerable To Geopolitical

Events

Growth In Demand For Oil Is

Unsustainable

Financial Industry Realties

Continuous Proliferation of New Products

Markets Move At Lightening Speed

With Computerization

Significant Concentration of Assets Held With

Institutions

Individual Investor Realities

Lack the Skill, Desire and Time

to Fully Understand

Overwhelmed By Complexity

Have Been Conditioned to Think Equities

Corporate Realities

Profit Imperative At All Cost

Executive Compensation Tied to Stock Performance

Orientation Towards Short-Term Decision

Making

Bottom Line: Investors are unprepared for volatile financial markets and many are not receiving objective investment advice

Plus, The USA Is In A Big Mess

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• Housing Collapse• Afghanistan/Iraq War• Eroding Value of $• Price of Oil• Political Uncertainty• Debt Explosion

Exposed Mortgage Market Instability

Eroding Consumer Confidence and

Struggling GDP and Employment

Caused A Liquidity Crisis Within The Financial Industry

Banks Are Scrambling To Survive (More Will Go

Into Bankruptcy)

There Will Be Spill-Over Impacts for

Canada

Government Spending Out Of

Control

Inflation Is A HUGE Threat

Deflation Later

Equity Markets And The US

Dollar Further Downside Risks

•75%+ of Canadian Exports Go To The U.S.•US Multinationals May Reduce Canadian

Employment – Employment Protectionism•Resource Exports to Far East Fueled By US

Demand

Unfortunately, the current structure for investment advisors creates conflicts and bias, precluding sound prudent advice

Strategy/Advice

Execution/Asset Management

Products

Research and Analysis

October 1, 2010 4

Bias towards recommending areas where research capabilities is

strongest, and avoid areas where knowledge is weak

Bias towards products mandated to sell and those with preferred

pricing arrangements

Lack of an accountability creates an environment which tolerates poor

performance

Heavy emphasis on equityproducts due to higher fees

Can the IA and strategy be objective if the firm holds

the assets?

Compensation based on asset growth, or transaction volume, not meeting

customer needs

Long-term thinking is entrenched with investors

Biases Contribute To Clouded Thinking

October 1, 2010 5

Investment Strategy/IdeasInvestment Firm

and Advisor

Objectivity

Financial Goals/Risk Threshold

Tru

st

Financial Results

Clarity

Conflict and Bias Lead to Clouds of Uncertainty and

Doubt

Exposed to Wealth Erosion and Missed

Opportunities

Wealthy Customers

Fortrus Empowers Investors By Bringing Objectivity And Focus To Their Financial Affairs

October 1, 2010 6

Investment Strategy/Ideas

Empowered Informed Wealthy Customers

Investment Firm and Advisor

Objectivity

Financial Goals/Risk Threshold

Tru

st

Financial Results

Clarity

FORTRUS

Fortrus Creates an Alternate Approach

Fortrus

Strategy/

Advice

Research and Analysis

Products

Execution and Asset

Management

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Source insight from the brightest and most objective from around the world to develop a balanced and comprehensive point of view.

Fortrus helps the customer clarify their long term goals and objectives. In addition, we

recommend the appropriate strategy, and revisions that are required over time, plus provide a consolidated macro view on portfolio status and performance via portfolio performance tracking tool.

Fortrus advisor does not manage the assets. Compensation is tied to the range of services utilized and the complexity of the assistance required.Our goal is to provide strategies and education so that investors can make informed decisions.

Recommend clients utilize the highest quality and return potential products and execution tools - help them with education and advice as required.

The Fortrus Relationship

Fortrus Outcomes

Enhanced Performance Portfolio Protection Unbiased Advocate Peace of Mind

Fortrus Client Portfolio Communication

Portfolio Performance Personal Contact Market Commentaries/ Alerts Secure Online Website

Fortrus Portfolio Execution Oversight

Advisor Accountability Pricing Accountability Product Selection Execution Advice

Fortrus Client Portfolio Strategy/Recommendations

Enhanced Returns Strategy Risk Strategy Education Strategy

Client Input Research Input

Client Profile Personal Goals Risk Tolerance Threshold Investment Cycle Factor Economic/Tax Environment

October 1, 2010

88

Fortrus FinancialHelping to Stop the Leaks

October 1, 2010 9

We help to provide the accountability structure that minimizes “portfolio leakage”

How To Negotiate Better Rates On:

• GIC’s• T-Bills• Bonds• Foreign exchange

transactions

Select Better Products/Service Providers:

• Eliminate idle cash balances• Use low/no load mutual funds• Use EFTs and low MER mutual

funds• Go direct to money

managers/hedge fundsLower Fees:• Bond/stock transactions fees• Lower annual portfolio fees• Switch to discount brokerage

X X

X

$ $

There are times to be an equity investor, and there are times to be on the sidelines

October 1, 2010 10

25 years to recover 23 years of no growth

?? YearsGreat DepressionDecline of Over 80% in

2 years

Looking at a 10 Year Period

July 30, 2008 11

If an investor entered the US market in Feb.1999 and held a

DJIA index fund, their returns to date would be 0%. With exchange

rate changes, the performance would actuall be negative 34%.

NASDAQ was down 75% early this decade.

With Canadian markets so heavily resource based, there has been a

strong positive run over the 5 years prior to the 2008 correction. When commodity prices stabilize or decline, Canadian markets will

react accordingly as we saw during that period.

Decline of 22%

in 9 months

Gain of 116%

92% of gain

erased

Four Key Benefits

October 1, 2010 12

Meeting Client

Objectives

PORTFOLIO PROTECTION

ENHANCED PERFORMANCE

AN UNBIASED ADVOCATE

PEACE OF MIND

Lower fee strategies

Less downside exposure

Proactive allocation

methodologies

100% Objective

Insightful research

E-mail alerts

Clear reporting

Execution assistance

Less time consuming

No link to products

Preservation of capital is

paramount

Drawing on broad proven expertise

Full transparency

Fortrus FinancialComparing How the Customer Feels

Many investors today:

• Taken significant losses in the last 10 years – roller coaster

• Overwhelmed by complexity

• Unclear about strategy

• Uncomfortable about downside risk

• Think I am paying too much in fees, but really cannot tell

• Limited communication

• Confusing detailed reporting

• Nagging concerns about objectivity and motivations

After using Fortrus:

• Will provide proactive management to ensure downside protected

• Calm, confident with the plan

• Very clear on the direction and what needs to happen

• Feel downside is manageable

• Better transparency, feel good about low cost/ high value structure

• Lots of communication

• Clear summary reporting

• Complete faith and trust, know they’re on my side

October 1, 2010 13

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