Fisgard Capital Investment Booklet

8/9/2019 Fisgard Capital Investment Booklet

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Fisgard.a growing Famil

oF satisFied investors

Fisgard has a awless track record o super

returns on secure investments, and a reputat

or honest, riendly and courteous serv


2/14

Heres wHa

Fisgard is an investment or everyone, at every

income level students, new parents, hard-

working amilies, grandparents and retirees.

Its an investment you can count on, year ater

year; one where your money grows consistently

and saely with returns other investors only

dream o. With Fisgard you can:

Start really small. You dont need a lot o money

to start an investment. With Fisgard you can

open an account with just $1,000.

Get great retrs. Every single quarter since

1995, our investors have experienced consistent

above-average returns on their investments.

A better way to ivest:Pttig secrity rst.


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makes us diFFerent:

Fisgard is tHe best

investment decision

ive ever made.

Stephanie Ustina, investor since 1995

Stephanie Usti

The returns on investment

dependable, statements are e

to read and the people at Fisg

are riendly and proessio

always ready to help in sim

English! Over the years I hmoved other investment

Fisgard, because there, I can

sure that every quarter, my mo

is making money. For me, its

perect investment: sure res

and ease o doing business

down to earth setting. Thank

Fisgard, Ive been able to get

my eet nancially, buy a ho

and start an RRSave moey. Our Registered Retirement Savings Plans,Tax-Free Savings Accounts and Registered Education Savings

Plans are the most economical way to go, with our trustee

ees being among the lowest in Canada.

Stay fexible. Make a 1-year or 5-year investment or both!

You can take cash dividends on part o your investment

and reinvest the rest or growth. With a phone call

you can also switch rom receiving cash dividends to

reinvesting your dividends.

Sleep easy. Keeping your investment secure is our highest

priority. Your investment is secured by Canadian real estate

so you dont have to worry about what the stock market is

doing. You get the income and growth you want - without

the sleepless nights.


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How it works:secure investments incanadian mortgages.

What is Fisgard?

Fisgard is a tax-exempt Mortgage Investment

Corporation. We distribute 100% o our net proft to

investors in the orm o dividends and, since dividends

paid to investors are treated as expenses or tax

purposes, our company is not taxed. That means

superior returns or our investors.

Investors place cash and/or registered unds like RRSPs,

TFSAs or RESPs in our 5 or 1-year terms. We invest that

capital in mortgages secured by quality Canadian real

estate property. The mortgages produce cash ow, which

we pass on to you as dividends every quarter. You can

take your dividends in cash or income, or reinvest your

dividends so your money grows more quickly.

Fd Capital $ 229,467,178

5 Year term $ 201,128,151

1 Year term $ 28,339,027

Debt $ 0

Debt-to-Capital Ratio 0%

Registered Pla Ivestmets $ 113,432,219

Cash ivestmets $ 116,034,958

Average sigle ivestmet $ 60,007

Fisgard ivestors 3,824

Registered Pla holders 2,662

Mortgage Secrities 345

Mortgage Assets $ 250,959,898

Note: Above numbers are time-sensitive and may change

* Data as o 20-Apr-10

5.12% 5.21%2010 net cash rur 2010 net growh


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Bob H

Fisgards principle objec

is the nancial well-be

o its investors. I have o

35 years experience in r

estate, banking and mortg

lending and I admire what Iat Fisgard. I like the secu

and consistency o ret

the simplicity, openness a

accountability o managem

and the culture o kindn

and respect. Its great to

involved with a comp

whose investment decisi

are based on sou

business princip

and good

common sen

How is my moey secred?

Fisgard is not a stock or mutual und; it is a simple

uncomplicated investment not driven by ees, and secured

by tangible real estate property that appreciates in value

over time. We invest only in mortgages secured by quality

residential and commercial properties in Canada. We choose

these sound investments because security o your capital

is our highest priority.

How ca I ivest with Fisgard?

You can invest cash or unds rom the ull array o

Canadian Registered Plans. I you are making TFSA or RRSP

contributions or transerring an existing investment rom

another institution, Fisgard qualifes or the ollowing plans:

RegisteredRetirementSavingsPlan(RRSP)

Tax-FreeSavingsAccount(TFSA) RegisteredEducationalSavingsPlan(RESP)

RegisteredRetirementIncomeFund(RRIF)

LifeIncomeFund(LIF)

Locked-inRetirementIncomeFund(LRIF)

Locked-inRetirementAccount(LIRA)

IndividualPensionPlan(IPP)

i like tHe security

and consistency

oF return.

Bob Herr, investor since 1995


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Fisgard helps you save or the important things in lie.

Here are some great ideas:

Tax-Free Savig. Canadas new Tax-Free Savings Account

(TFSA)isthemostimportantdevelopmentinsavingssince

the Registered Retirement Savings Plan was introduced in

1957. It is an easy way or Canadians to invest their money

without paying tax. You can contribute up to $5,000

a year into a TFSA and, unlike stressul ee-based stocks

and mutual unds that require constant attention and are

subject to unpredictable market uctuations, with Fisgard

your money grows steadily and securely tax-ree.

Need another reason to choose Fisgard? Since 1995

we have outperormed GICs, bonds, savings accounts

and term deposits by over 3%.

Savig or Retiremet. Saving or retirement is

important or everyone. The best way to ensure that

you have the money you need to enjoy your retirement

is to stick to a simple consistent investment plan. Thats

where Fisgards Registered Retirement Savings Plan(RRSP)comesin.Getataxdeferralatthefront,

and count on steady dependable growth along

the way building a retirement nest egg that is

ready when you are.

Savig or Edcatio. As a parent, aunt, uncle,

grandparent or riend, you can help a student o

your choice pay or his or her post-secondary education

by investing in a Fisgard Registered Education Savings

Plan(RESP).

Combining the Fisgard compound interest investment

with the $7,200 Canada Education Savings Grant you

can grow a substantial post-secondary education und

over time. With an adequately unded RESP the student

(beneciary)willnotbeburdenedwithanexpensive

and oten unmanageable student loan.

Reapig the beets. An investment in Fisgard provides

many benefts including regular income i you take

your dividends in cash, steady growth i you reinvest

your dividends, reliable above-average returns, and the

riendliest service you could wish or.

How to save money tax-Free:great ideas From Fisgard.


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Above-average Retrs

Ivsm Priod 5-Yr Annual

Dividend

(Cash)

5-Yr Annual

Reinvestment

(Growth)

1-Yr Annual

Dividend

(Cash)

1-Yr Annual

Reinvestment

(Growth)

2010 5.120% 5.219% 3.120% 3.157%

2009 6.000% 6.136% 4.000% 4.060%

2008 9.262% 9.588% 7.262% 7.462%

2007 10.474% 10.893% 8.474% 8.748%

2006 10.974% 11.434% 8.974% 9.281%

2006-2010 8.939% 8.654% 6.939% 6.541%

2004-2010 9.732% 9.586% 7.732% 7.460%

2002-2010 10.217% 10.180% 8.217% 8.045%

1999-2010 10.656% 10.737% 8.656% 8.594%1995-2010 11.068% 11.536% 9.068% 9.381%

perFormance tHat speaks For itse

Here you can see Fisgards perormance separated into

5-year and 1-year term investments. Please note that these

are net returns ater all costs have been deducted. What

you see is what you get.

You can also see what our investors have received as cash

dividends and the growth theyve experienced when they

reinvested their dividends. We are confdent you will fnd

Fisgards dividend perormance both reassuring and exciting.


cHoose tHe rigHt investment For you.

Cash & Registered Pla Fds

51% in cash investments

49% in Registered

Plan Funds

Below yoll d charts illstratig the most poplar ivestmet optios amogst or shareholders.

Many Fisgard investors make combination

investments o both cash and registered unds,

investing some in 5-year and some in 1-year,

and taking cash dividends on some o the

investment or income and reinvesting

the rest o their dividends or growth.

All chart data based on dollar volume.


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ear aFter year, quarter by quarter.

Icome & Growth every qarter

Yar 1st Qtr 2nd Qtr 3rd Qtr 4th Qtr Yearly Ave.

Cash

Dividend

Yearly Ave.

Reinvestment

Growth

5-yar trm

2010 YTD 5.120% 5.120% 5.219%

2009 7.000% 5.876% 6.020% 5.102% 6.000% 6.136%

2008 10.047% 10.000% 9.000% 8.000% 9.262% 9.588%

2007 10.589% 10.528% 10.381% 10.400% 10.474% 10.893%2006 11.070% 10.827% 11.000% 11.000% 10.974% 11.434%

2005 11.350% 11.345% 11.147% 11.300% 11.285% 11.772%

2004 11.472% 11.571% 11.666% 11.500% 11.552% 12.062%

2003 11.541% 11.495% 12.005% 12.010% 11.763% 12.292%

2002 11.773% 11.817% 11.596% 11.612% 11.700% 12.223%

2001 12.138% 12.091% 12.119% 11.681% 12.007% 12.559%

2000 8.072% 9.757% 7.952% 27.919% 13.425% 14.116%

1999 9.041% 10.296% 9.794% 11.512% 10.161% 10.555%

1998 10.917% 9.944% 10.166% 9.999% 10.257% 10.658%

1997 8.399% 9.651% 11.574% 12.620% 10.561% 10.987%

1996 15.070% 14.410% 13.500% 14.810% 14.448% 15.249%


5-year pays 2% more tha 1-year

88% invested or 5 years

12% invested or 1 year

67% reinvested or growth

33% cash or income

Reivest yor divideds or Growth

* Data as o 01-Jan-10


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a track record

you can count on.

Sperior retrs ad iterrpted divideds. We think

our track record speaks or itsel. Since 1995 we have provided

our investors with superior returns and quarter ater quarter

o steady reliable uninterrupted dividends.

The Power o Compod Iterest

Fisgard Investors achieve growth simply by reinvesting

their dividends.

$25,000 invested in Fisgards 5-year term starting January 1,

1995 grew to $130,301 by December 31, 2009 or an average

growth o $7,020 per year.

Helpig peopleachieve their goalsis what its all abot.

1995

1996

1997

1998

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

140,000

130,000

120,000

110,000

100,000

90,000

80,000

70,000

60,00050,000

40,000

30,000

20,000

10,000

0 *Dataasof01-Jan-10


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invest, dont speculatetrouble Free growtH

Are yo a ivestor or a speclator? Investing means

protecting your principal, avoiding worries, and growing

your money saely and patiently over time. When you

speculate on stocks and mutual unds you risk losing

not only any gains you might have made, but also

your principal. That means putting your hard earnedretirement and your uture comort in jeopardy.

At Fisgard we put the saety and security o your

principal frst. With regular modest additions to your

principal and the power o compound interest your

money grows steadily, consistently and reliably, building

the retirement or education und you can count on.

Scott Thompson

I eel sae with Fisgard. Ive been

part o the amily since 2005,

and every year my money has

made more money. Im saving

or my kids education and or

my retirement without having

to worry about fuctuations

in the stock market. I love

recommending Fisgard to my

riends because theyre honest

and trustworthy, and they

really care.

i Feel saFe witH Fisgard.

Scott Thompson, investor since 2005

2010 YTD NeT Cash

RETuRn

5.120%


11/14

Yudy and Suzanne L

Fisgard is very dierent th

other nancial instituti

Ive dealt with much m

approachable and easy to t

with. Weve invested with th

or over 10 years now, and h

been very happy. Weve ha

very good, very reliable ret

on our investment since

beginning. I never hesitat

recommend Fisg

to my rien

Compod iterest at work. I John opens a TFSA

when he is 18 years old, and contributes $50 every two

weeks until he is sixty, he will have invested $54,600.

Accelerated by the power o compound interest hissavings will grow to an incredible $184,543! I he

decides to leave the money in his tax-ree account he

will be able to withdraw $988 every month until his

90th birthday!

* The above calculation is based on a 5% return

or illustration purposes only.

tHrougH tHe power oFcompound interest.

i never Hesitate to

recommend Fisgard

to my Friends.

YudyandSuzanneLee,investorssince1995


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in good Handsyour Fisgard team

Hali Stradld, Presidet. Hali is a senior member o Fisgards

mortgage team. She analyzes mortgage investments and has

a well-earned reputation or her knowledge o real estate

values, construction and development. Hali brings recognition

and respect to the company and has spent her proessional

career since 1989 with Fisgard.

As well as being our president since 1994, Hali chairs the

12,000 member Canadian Association o Accredited Mortgage

Proessionals. She is a past president o the Mortgage Brokers

Association o BC and a ormer director o both the Mortgage

Investment Association o BC and the Canadian Home

Builders Association. Hali is a member o the Editorial Board

o Canadian Mortgage Proessional, Canadas leading

magazine or mortgage brokers and lenders, and has been

honoured with the prestigious CAAMP-MBABC Award or

Distinguished Service to the mortgage industry.

Waye Stradld, Foder & CEO.Wayne coordinates the

eorts o the investment and mortgage underwriting teams,

working with our mortgage underwriters to build a solid

mortgage portolio and our investment sta to ensure Fisgards

investors are rewarded with consistent above-average returns.

Wayne is Fisgards ounder and Chie Executive Ofcer.

An honors graduate o the University o Victoria, he hasspent his proessional career since 1967 in the real estate

and mortgage investment business. He is a governor o the

Notary Foundation o BC and a past president o the Victoria

Real Estate Board and the BC Real Estate Association. Wayne is

also a ormer member o the Real Estate Council o BC and a

ormer proessor at the Canadian College or Chinese Studies

where he lectured to oreign business delegations on the

subject o Canadian Securities.

Daw Paiz, Geeral Maager & CFO. Dawn is Fisgards General

Manager and Chie Financial Ofcer and has been with Fisgard

since 1994. She manages our cash, Registered Savings and

Registered Pension unds. As well as supervising all company

activity including securities reporting, audit procedures,

management o trusts and investment strategy, she also works

with Fisgards mortgage team ensuring our mortgages meet

the strict criteria investors expect.

She is respected by investors and borrowers, popular with her

business colleagues, and exemplifes the culture o teamwork

that is the cornerstone o Fisgards management philosophy.

Raer Stradld, Vice-Presidet. Raer is responsible or

management o the mortgage department and is the senior

mortgage underwriter. His role includes approving or declining

mortgage applications or Fisgard underwriters, training

department sta, directing investment policy to ensure

a balanced portolio, and maintaining proessional

underwriting guidelines, making adjustments as and where

required. Raer manages business relationships with Fisgards

many external partners.

Raer is a graduate o the British Columbia Institute o

Technology and has held positions with a Canadian chartered

bank and a British Columbia Credit Union. He is a membero the BC Mortgage Brokers Association, the Mortgage

Investment Association o British Columbia and the Urban

Development Institute.


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Frequentlyasked questions.

Experiece meas a lot ad we have plety o it.

How log has Fisgard bee i bsiess?Fisgard was incorporated in 1994, evolving

out o years o mortgage lending and

investing dating back to 1968.

How am I taxed? The returns you receive

as an investor are taxed as interest,

not dividends.

Ca I traser my crret registered pla

to Fisgard? Yes you can. We handle the

details or you. Just provide us with the

name o your current plan holder and plan

number and well take care o the rest.

How do I receive my divideds? Most o our

clients receive their dividends by Electronic

Funds Transer.

Is my moey locked i? Your unds are

committed or a 5-year or 1-year term,

depending on the term you choose. On joint

investments Fisgard oers a Compassionate

Early Redemption program that allows the

surviving spouse to redeem the investment

earlier than its maturity date, i needed.

Have Fisgard ivestors ever lost moey?No. None o our investors have ever lost

investment capital.

What kid o mortgages does Fisgard

ivest i? All o our mortgages are secured

by Canadian real estate property located

primarily in BC and Alberta. We base our

mortgage investments on the value o

property and credit-worthiness o the

borrower. Our mortgage portolio includes

both frst and second mortgages.

Do yo charge brokerage ees? We do not

broker mortgages or a ee. We lend money

to qualifed borrowers and decisions are not

made on the basis o fnders ees, but on

the quality and security o the mortgage.

Are ivestors otied o whe their

ivestmet is de? Yes, with each Quarterly

Dividend Statement investors are provided

ull details o investments that mature the

ollowing quarter.

Is the ivestmet garateed? No, the

underlying security is the Canadian real

estate property against which we have

mortgage charges plus the personal

guarantees o the owners o the property.

Does Fisgard have a sccessio pla?

Yes. An important eature o Fisgards

business plan is succession planning.

We have been in business or a long

time and will be or many years to come.

Fisgard has a policy o being 3-deep at

all company positions, including directors

and administration.


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Graham & Dorothy Cook

Everyone at Fisgard goes out o

their way to be orthright and

honest. They are entirely open,

accessible, and they never go

out on a limb or overvalue

the properties they invest in.Theyve turned a small pension

into a good income or us.

Were very impressed.

Graham & Dorothy Cook,investors since 1995

Fisgard Capital Investment Booklet

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