Howard, Barclay is built on 4 principles:

1) Client Care - a commitment to superior levels of service.

2) Experience - a seasoned team of investment professionals.

3) Focus - a concentration on a reasonable number of quality companies.

4) Investment Philosophy - driven by long term objectives of wealth preservation and capital accumulation.

To achieve superior performance, we carefully balance risk and reward in our search for quality because, in the end, we are not in the performance business. We are in the trust business.