"Cornerstone" Mutual Fund :

Our highly respected "in-house" Cornerstone Fund operates under its own label (administered by Crédit Suisse / Gibraltar) and is managed by Messrs. Peter Lehman and John L. Schroeder.

Mr. Lehman has over 20 years of experience managing portfolios for Merrill Lynch, Prudential Insurance and other leading firms. Mr Schroeder, a former president of Templeton and Axe Houghton Funds, has over 35 years in the investment business.

"The Cornerstone Fund" is a special long/short fund with a unique approach to investing which concentrates on health care/pharmaceutical, natural resources and energy issues---and it belongs in the investment portfolio of most concerned investor. These investment "universes" tend to provide a natural "hedge" against traditional stock market declines. Cornerstone's unique "long/short" fund has increased in Net Asset Value by 54.8% from 1/1/03 to 1/9/05---with minimal beta of 0.93 ("risk level") and an excellent Sharpe ratio of 1.94.