OVERVIEW
Mortgage investments are qualified for all Canadian Registered Savings and Pension Plans, therefore giving an excellent alternative to fee-driven income options such as stocks or mutual funds. Since Currencia MIC pays 100% of its net income to investors, the company has no profit on which to be taxed. This results in above average returns for all shareholders of Currencia MIC. All mortgage investments are backed by valuable Canadian real estate security that enables continuous flow of income.

• Attractive and stable returns expected to average 9.5% and better
• Professional management
• No initial commission fee
• RRSP/RRIF eligible
• Real estate security
• Quarterly income
• Minimal volatility in real estate
• Diversified (by location and type of mortgages)
• Compounding through reinvestment of dividends

How a mortgage investment works
Currencia MIC provides a private mortgage funded by a group of investors instead of traditional banks or trust companies. The mortgage generates interest paid by the borrowers, and in turn, are transferred to investors as quarterly income. Lenders in the private market follow similar legal procedures as with bank mortgages. All documentation, security registration and disbursement of funds are prepared and handled by a lawyer.

MORTGAGE POOL
Money is collected from investors through the sale of shares in a company called Currencia Mortgage Investment Corp. (Currencia MIC). The fund created will be invested in pools of mortgages. Shareholders will receive their dividends based on their percentage in the Currencia MIC and the profits generated will be split accordingly. MICs create diversity in an investor's portfolio through lending to different mortgages at different interest rates. These benefits can all be provided without risking your money in the volatile stock market; instead the healthy Canadian real state market will secure your investment.

Each mortgage will have a different interest rate; therefore Currencia MIC shareholders will receive an average of all the interest rates as their rate of return. New mortgages will be continuously introduced to the Currencia MIC in order to replace the maturing ones, therefore giving the investor an effortless way to receive constant residual income. Quarterly statements will be provided to ensure your investments are handled with care and your income can be automatically deposited into your account.