Chartered Financial Services Inc. ("CFSI"), a company affiliated with A.S.H. Management Group Inc., has been providing advice to real estate investors and mortgage lenders/insurers across Canada and the United States since 1986. During that time, CFSI has become recognized as a company that utilitizes a hands-on approach to real property, providing objective counsel that results in practical, profitable solutions

CFSI currently is responsible for over $250 million in real estate under active asset management. Properties in which CFSI acts as Trustee/General Partner/Asset Manager/Advisor.

In addition to its asset management function, CFSI negotiates mortgage financing on behalf of its clients, with new or existing lenders in order to acquire the most favourable terms and conditions possible; renegotiates existing mortgages with lenders, mortgage insurers and owners; and, negotiates deficit-funding agreements with Canada Mortgage and Housing Corporation ("CMHC").

Other areas of property/portfolio asset management in which CFSI is active on behalf of its clients include:

• coordination of property tax appeals and provision of expert testimony to process;
  
  
• preparation of feasibility studies of properties, including income tax implications and alternate courses of action;
  
  
• property disposition and acquisition of widely held income-producing assets; and,
  
  
• conversion of residential rental properties to owner-occupied condominiums