BMO Nesbitt Burns
3985 Highway 7 East
Suite 301
Markham, ON
L3R 2A2

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December 19, 2006
I am truly grateful to Michael Lem. Recently, I found myself unexpectedly widowed. I had relied on my husband totally to run household finances. I knew nothing about such things and was devastated not only by the loss of my longtime partner and best friend but also by my lack of experience with money affairs. My brother introduced me to his friend and financial advisor, Michael. Lem. Michael spent many hours with me over the course of the next couple of months, informing me about matters which I would need to know.

Patient, encouraging and compassionate, not only did he help me sort out a very complicated situation, but began providing me with the skills I would need to start attending to the financial aspects of my life.

Michael is an excellent listener and a most understanding person and I feel confident that with his guidance, abundant knowledge and resources I will, in time, be able to establish appropriate goals and strategies for conducting my personal financial affairs on my own. Something I had never, ever envisioned myself doing.

Thank you very much, Mike.

Jane E. Mulcahey
December 27, 2006
We have known this dedicated team led by Financial Advisor Michael Lem for ten years. Their insight and advice has been invaluable and we are extremely pleased and gratified. They have formulated for us a long-term strategy that is consistent with our life-style. The ultimate goal is to live comfortably as we age and to be financially secure is truly life-enhancing. They have a geniune generosity of spirit - always managing to sound pleased to hear from us.

Irene Rumble