our community vision future 2001 annual review 1905 1970s 1990s 1996 2002 hi alta agencies is founded in high river alberta to provide insurance loans and asset management increasing competition requires greater specialization narrows its focus only winds of change blow through the financial services sector insurers begin consolidating europe integrated offering investments banking spring up canada small town brokers feel pressure grow capital inc goes public goal create western s largest network starting with one agency just five short years has grown be group created transforming into providing combining advantages local offices towns cities buying power influence networks hopes build a secure for shareholders customers employees timeline as generation matures