Sam Himyary, Dealing Representative

We're now online with Exempt Edge, an online portal for exempt market products and dealers. Our clients (including those who are invested in Advanced Mortgage Investment Corporation) are now able to retrieve their up-to-date account information via Exempt Edge's secure portal. Contact me for more information about the portal.

Here at Advanced, we are proud to report that our MIC continues to perform. Advanced Mortgage Investment Corporation has ended another quarter with consistent income and with 100% of interest income collected. Advanced MIC (which is related and connected to Advanced Capital Corporation by virtue of common ownership and control) reports that as at May 31, 2020, 100% of the regular interest payments have been made by borrowers. Read more about it via the link below. Some highli...ghts: While the Ottawa unemployment rate has risen from 6.3% to 7.7% it remains one of the lowest in the country. 29.3% of AMIC's borrowers are employed in the public sector. The fundamentals of the Ottawa real estate market continue to hold with the year-to-date average value of a residential home resold via the MLS hovering around $546k. Routine activities like new fundings, discharges and renewals continue to occur. AMIC has not experienced a significant business disruption due to COVID-19. So far, we do not see a limitation of our borrowers' ability to achieve their exit strategies. AMIC is still accepting new issuance during Fiscal 2020 with closings scheduled for July 1 and August 1. If you have contribution room or cash in your RRSP, TFSA, RIF or LIRA, consider AMIC shares. As always, I am available to assist you. https://advancedmortgageinvestmentcorp.ca/amic-performanc/

Advanced Group CEO Michael Hapke has recorded and released his latest podcast about Advanced Mortgage Investment Corporation. The podcast is about 12 minutes lo...ng but it packs in a lot of information about our Ottawa lending area. From the most recent employment and real estate market statistics to the MIC's actual performance through to the end of Q3, it's an interesting listen. Please reach out to your dealing representative for more information about Advanced MIC. Jenn Anderson, Isabelle Durand, Sam Himyary, Dealing Representative and Anisa Lancione, Dealing Representative are all available to answer your questions.

Click the link below to listen to the latest #podcast from our CEO Michael Hapke as he discusses how Advanced Mortgage Investment Corporation has continued to perform during the pandemic. In the podcast, Mike discusses the #Ottawa real estate market, current portfolio performance and qualitative #data, and what he thinks is coming in the weeks and months ahead. This podcast can also be found on our web site as well as on Spotify and Google Podcasts.... Please let me know if you have any questions!

How can a mortgage investment corporation make its way through this pandemic? Listen to this update from Advanced Mortgage Investment Corporation president and CEO Michael Hapke. Mike provides an update on how the MIC is approaching its lending operations during the COVID-19 pandemic. Contact me if you have any questions or would like more information.... https://soundcloud.com//final-amic-update-a/s-P4BvtnI2gHG

The Advanced Capital Corp. team has taken a close look at the Advanced MIC portfolio in order to assess how it holds up during the business conditions triggered... by Covid-19. The starting point of the report (Feb 29, 2020, the end of the MIC's second quarter) is solid: at that date, the MIC was well-secured and had no default. Now that Advanced MIC has completed the March and April payment cycles, we can confirm that the portfolio continues to perform. At the same time, while the local resale market's transaction volume is down, current data from the Ottawa Real Estate Board shows that resale values held in March. Read the whole report here: https://advancedmortgageinvestmentcorp.ca/amic-performance/ #ottcity #mortgageinvestment #realestate

It is more evident than ever that what makes a #mortgage #investment corporation thrive is the #teamwork between investors, MIC staff, and borrowers. We're a te...am. As a team, even at the best of times, we have to work together to succeed. Today, our team is facing a new opponent: uncertainty related to Covid-19. And like any team, we will face it together. We have to prepare. We have to communicate. We have to rely on each other and share our strength. Our team will stay focused in the coming weeks. We will continue to accept new investments. We will continue to lend. We will continue to work together. So far, our staff and families are safe. We are fully equipped to work remotely. We've invested time & resources into ensuring that our business continuity plan is ready. To date, our investors have been very satisfied with our approach. We have proactively taken the time to reach out to AMIC shareholders by phone to discuss current market conditions, AMIC's current position & how we will be responding to today's challenges. So far, our borrowers are communicative and proactive when they think they will need relief. AMIC remains a lender that they can approach with a problem and from whom they can expect a pragmatic and fair solution. Your Team @ Advanced Group of Companies

With the publicly-traded markets experiencing #volatility, we took a new look at how Advanced Mortgage Investment Corporation (or "AMIC") is faring in comparison. Shares in an exempt market product like #Ottawa's own AMIC are not exchange-traded (and do not share all of the features of shares trades on exchanges, like liquidity and transparency). Our opinion is that AMIC shares offer diversification for portfolios that are exposed to the daily fluctuations of the public marke...ts - along with steady monthly income. We do not use the Dow and TSX/S&P as benchmarks for AMIC's performance but we know that potential investors are always interested in how AMIC perform when compared to the public markets. We updated the charts here to show how AMIC (with DRIP) compares to index investments (with dividends): https://advancedmortgageinvestmentcorp.ca/amic-how-to-inve/ Contact me for more information about AMIC.

Our March 26 webinar will provide useful information to investors who are looking for alternatives at this volatile time. It's an educational session to show how a MIC (like Advanced MIC) generates income and manages risk. To reserve your spot, visit http://bit.ly/OttawaMIC. #ottawa #investment #alternatives

With the March 2 RRSP contribution deadline fast approaching, dealing representative Anisa Lancione took to the CTV airwaves today to talk about alternative investment options that investors can review (like shares in Advanced Mortgage Investment Corporation) when deciding how to allocate those registered plan dollars. #mortgage #investment #ottawa #RRSP

Today's data post: 41% of Advanced MIC shareholders are women, while 50% of its board members are women.

On the radio last week, ACC's Anisa Lancione, Dealing Representative was asked about Advanced MIC redemptions. Since inception, only 7 shareholders have fully redeemed their shares in Advanced MIC. (One had two accounts so their were 8 transactions.) Why did they redeem? One did it to fund a new business venture. Another two (husband and wife) redeemed to build a house, while another redeemed to fund repairs to the family cottage. One redeemed his RESP shares as his child was... starting school. What's interesting is that the timelines from the request dates to the settlement dates were significantly less than what Advanced MIC's offering memorandum ("OM") stipulates. The redemption policy in the OM allows for settlement up to the end of the quarter following the quarter in which the request is made - that could be up to half a year. In 4 instances, the redemptions were honoured at the end of the quarter in which the request was made, with cash settlement dates 51, 51, 57 and 103 days after the requests were received. However, in the other 4 instances, the MIC had sufficient liquidity to settle the redemptions quickly: 9, 12, 20 and 23 days after the requests were received. (Partial redemptions, transfers and management group transaction timelines were not included in this analysis.)

Last Saturday, Anisa Lancione, Dealing Representative was on 580 CFRA's The Real Estate and Mortgage Show (with Steve Gregory, Paul Rushforth and Barb Kramer) talking about investments in Advanced Mortgage Investment Corporation. AMIC shares are eligible for RRSPs: in fact, right now 49.27% of AMIC shares are held in RRSP, TFSA, RESP, RDSP, RIF, LIF and LIRA accounts. But did you know that AMIC shares can also be held in a corporate or family trust account? As of today, 17.84...% of AMIC shares are held by non-individuals. Contact me to determine if holding AMIC shares in your corporation or trust would be a suitable strategy. The next AMIC closing is on February 1, 2020. #ottawa #rrsp #financialplanning #wealthmanagement #rdsp #entrepreneur #familyoffice #tfsa #resp

It's #RRSP season again. Before you make a contribution to your existing registered plan accounts, consider a registered plan investment with Advanced MIC, a local #Ottawa mortgage investment corporation. AMIC shares are eligible to be held in an RRSP, RESP, RDSP, TFSA, RIF or LIRA account. Ask me about how AMIC can easily process your trade as a contribution in kind.

As part of our quarterly review of Advanced MIC as an approved issuer on ACC's product shelf, we chose to take a look at the daily rate of mortgage impairment f...or the period, from the actual start date of the impairment, expressed as a percentage of total principal outstanding. What we found is that the percentage of mortgage principal in actual default (where the borrower failed to make an interest payment on time) at no point in the quarter exceeded 3.74% of the total principal outstanding. The average percentage of principal in actual default for Q1 was .88%, ending at .34% on Nov. 30. The thin red line at the bottom of the chart shows the actual impairment rate for the three months ending November 30, 2019. The MIC experienced some very minor impairment which, per the chart, was rapidly corrected without loss of income or principal. Technical default (where the borrower was in breach of a stipulation of the mortgage contract unrelated to failure to make an interest payment on time) was persistent through the quarter but did not exceed 3.49% of principal outstanding. AMIC reports to its board monthly and to shareholders quarterly regarding impairment and since inception has not experienced loss of principal or income due to default.

Today Advanced Capital Corp. received their portfolio valuation analysis from Brookfield Residential Property Services for the first quarter of Advanced MIC's 2020 fiscal year. According to the report, which analyzed 95% of the properties in the AMIC portfolio, "there was an increase in values of 9.02% over a 16.9 month period." For more about how this report is used (as one of several portfolio valuation tools) visit their web site.

We recently learned that the weighted average FICO score of the borrowers who make up the Advanced MIC mortgage portfolio as at Nov. 29, 2019, is 714. Per Equifax Canada's web site, "Although credit scoring models vary, generally, credit scores from 660 to 724 are considered good; 725 to 759 are considered very good; and 760 and up are considered excellent. Higher credit scores mean you have demonstrated responsible credit behaviour in the past, which may make potential lende...rs and creditors more confident about your ability to repay a debt when evaluating your request for credit." Equifax explains: "Lenders generally see those with credit scores 660 and up as acceptable or lower-risk borrowers." https://www.consumer.equifax.ca//what-is-a-good-credit-s/

With RRSP season approaching, now is a good time to think about how to allocate investments in your registered plan. Ottawa's own Advanced Mortgage Investment Corp. is a local investment returning over 7% per year that is also eligible for registered plans. Hear from actual investors about their experience with Advanced MIC. Advanced Capital Corp. (ACC), is a registered Exempt Market Dealer and is the Agent for Advanced Mortgage Investment Corporation (AMIC). Shares in AMIC a...re sold by ACC, which is a corporation incorporated under the federal laws of Canada and is registered as an exempt market dealer (EMD) pursuant to NI 31-103 Registration Requirements, Exemptions and Ongoing Registrant Obligations in the Province of Ontario. ACC is permitted to sell AMIC shares in accordance with prospectus exemptions, contained in NI 45-106. This video is not intended to be relied upon in connection with the purchase of securities. These highlights are for informational purposes only and do not constitute an offer to sell or solicitation to buy the securities referred to herein. The Manager (AAL), the Mortgage Brokerage (MBCI), and the Agent (ACC) are related to and connected to the Issuer (AMIC) by virtue of common ownership and control.

Advanced MIC returns 7.5% IRR for 2019F At a recent meeting, the Advanced MIC board of directors authorized the top-up #dividend for fiscal 2019 resulting in total annual distributions of $0.0736 per share. For Advanced MIC shareholders whose shares were invested for the full year and who reinvested 100% of their dividends, this resulted in an individual rate of return (IRR) of at least 7.5% for fiscal 2019.... Advanced MIC is a #mortgage #investment corporation that lends on residential properties in the greater #Ottawa real estate market. To learn more about Advanced MIC or to discuss the fiscal 2019 results, please contact me. Advanced Capital Corp. is an exempt market dealer that serves as agent for Advanced MIC which is a related and connected company by virtue of common ownership and control.

If you have never opened a Tax Free Savings/Investment Account before, you can shelter up to $63,500 for tax free growth! Advanced Mortgage Investment Corp is a perfect fit for this type of inventement account. Ask me how to get started. https://www.theglobeandmail.com//article-canadians-shoul/

Lianne Laing discusses with Jennifer McGahan, a current Advanced Mortgage Investment Corporation or AMIC borrower, the challenges a new entrepreneur faces when trying to get a mortgage and how AMIC was able to help her achieve her dream. For more about AMIC, ACC and the Advanced Group of Companies, visit http://advancedmic.com. Lianne Laing was compensated for her role as media personality/interviewer in this video. For more about Lianne, visit https://liannelaing.com.... Jennifer McGahan was not compensated for her appearance in this video. For more about Jennifer McGahan, visit http://www.jennifermcgahaninteriors.com/. Advanced Capital Corp. (ACC), is a registered Exempt Market Dealer and is the Agent for Advanced Mortgage Investment Corporation (AMIC). Shares in AMIC are sold by ACC, which is a corporation incorporated under the federal laws of Canada and is registered as an exempt market dealer (EMD) pursuant to NI 31-103 Registration Requirements, Exemptions and Ongoing Registrant Obligations in the Province of Ontario. ACC is permitted to sell AMIC shares in accordance with prospectus exemptions, contained in NI 45-106. This video is not intended to be relied upon in connection with the purchase of securities. These highlights are for informational purposes only and do not constitute an offer to sell or solicitation to buy the securities referred to herein. The Manager (AAL), the Mortgage Brokerage (MBCI), and the Agent (ACC) are related to and connected to the Issuer (AMIC) by virtue of common ownership and control.

We offer a truly alternative investment for eligible investors. Ask me about how preferred shares in Advanced MIC can help you balance your portfolio. #investmentportfolio #ottawa

Did you know that Advanced Capital Corp. has an ombudsman? Like other registered securities dealers in Ontario, we participate in the programs offered by the OBSI, or the Ombudsman for Banking Services and Investments. But what does the OBSI actually do? Check out this short video for more information.

Can an investment generate yield without volatility? With Frank Napolitano from Mortgage Brokers Ottawa on vacation this week, Advanced Capital Corp. took over the CTV Ottawa Morning Live Mortgage Minute to talk about a local investment that does just that. Leslie Roberts spoke with Anisa Lancione, Mortgage Broker (who is also a registered dealing representative with ACC) about how preferred shares of Advanced Mortgage Investment Corporation have generated steady, predictable returns over the last five years right here in #Ottawa.

Why does Advanced MIC focus its lending activities in Ottawa? Here's an example: PwC Canada ranked #Ottawa third for real estate prospects in a recent report on top real estate markets in Canada. The report explains: "Demand is so far outstripping supply, with nothing suggesting this will go away any time soon."

Advanced MIC's monthly dividends show a steady and sedate trend line. If you are interested in discussing Advanced MIC and how it compares to the returns generated by exchange-traded products, please contact me and we will set up a time to review if it is a suitable product for you.

If you would like to learn more, please contact me to set a time to get together to review this offering. It may not be suitable for all investors. In my opinion Advanced Mortgage Investment Corporation and its management team work hard to produce a solid yield within acceptable risk limits.

These survey results are of interest to me as a dealing representative for Advanced Capital Corp. as we continue to monitor the performance of Advanced Mortgage Investment Corporation on our approved product shelf.

One of the characteristics of exempt market products is that they lack the transparency of investments that are exchange-traded or sold on the public stock markets. Advanced Mortgage Investment Corporation ("AMIC" in #Ottawa is managing this risk by building a top-tier board of directors. This video is an introduction into how AMIC and its board view their governance duties. AMIC shares are sold by ACC, the exempt market dealer with which I am registered as a dealing representative. Please let me know if I can answer any of your questions about the company.

I am pleased to announce that I have recently joined the Advanced Capital Corp. team as a registered exempt market dealing representative. I look forward to hearing from you with questions about the alternative investment market here in Ottawa.