Amber Financial Services Corp. ("Amber Financial") is the management company of Amber MIC. Amber Financial Services Corp. is the industry's leading innovative financial company and loan brokerage firm. It connects more than 30 financial institutions across Canada and leverages its platform to provide borrowers with flexible and affordable mortgage and consumer loan solutions. Ample Financial Services and Ample MIC have always been firmly committed to providing quick and flexible loan services for borrowers and high yield and stable investment opportunities for investors.

安泊金融服务公司 (Amber Financial Services Corp. 简称“安泊金融”) 是安泊MIC的管理公司。安泊金融服务公司是业界领先的创新金融公司和贷款经纪公司。连接加拿大30多家金融机构，充分利用平台资源，为借款人提供灵活、合理的抵押贷款方案和消费贷款方案。安泊金融与安泊MIC始终坚定致力于为借款人提供快捷、灵活的贷款服务，为投资人提供高收益、稳定的投资机会。

Amber MIC

MIC, short for Mortaace Investment Corporation, is a Canadian chartered financial institution established in 1973 under section 130.1 of the Income Tax Act. MIC pools investors' funds and invests them in a diversified portfolio of residential and commercial property loans. Investors invest through the purchase of preferred shares of Amboy MIC. The MIC makes loans to borrowers who have a need for credit and use their properties as collateral. AmberMIC collects principal and interest from the borrower and returns 100% of the net proceeds to the investor after deducting fees. AmberMIC has no retained earnings. All net earnings of AmberMIC are distributed to shareholders on a quarterly basis. Investors can choose to withdraw their quarterly earnings in cash or continue to invest the earnings to achieve higher returns. All loan collateral is held in the name of AmberMIC.

AmberMIC is exempt from corporate income tax under the tax laws. All net proceeds are distributed to investors, who are required to report dividend income as interest income for tax purposes.

安泊MIC

MIC是Mortaace Investment Corporation的简称，即“房屋抵押贷款投资公司〞，是1973年加拿大根据《所得税法》第130.1节设立的特许金融机构。MIC将投资者的资金汇集，投资于多元化住宅及商业房产贷款组合。投资者通过购买安泊MIC的优先股来进行投资。安泊MIC向有贷款需求的借款人发放贷款，并将其房产作为抵押物。安泊MIC向借款人收取本金和利息，在扣除费用后，将100%的净收益返还给投资者。安泊MIC没有留存收益。所有安泊MIC的净收益都按季度分配给股东。投资者可以选择现金方式提取季度收益，也可以将收益继续投资，以实现更高回报。所有的贷款抵押物都在安泊MIC的名下。

安泊MIC根据税法享受企业所得稅豁免。所有的净收益都将分配到投资者手中，投资者须将股息收益按利息收入报税。

Expected Return

· With most Anpo clients having home loan rates between 9% and 12%, our goal is to generate an average return to our investors of over 8% after costs.

· Maximized returns: As part of our business model, Ampo MIC will distribute all net income to investors and expects to do so every quarter.

· Secure and stable: Each loan is secured by a Canadian property, primarily: a highly liquid property located in a central city hotspot, and the borrower must have a clear and viable exit plan to guarantee the source of repayment funds.

· High transparency: Ample MIC ensures that investors are regularly informed of the status of their investments. Dividends and investment reports are published on a quarterly basis. Audited financial reports are available to investors on an annual basis.

· Ongoing cash flow: quarterly dividend payments, stable, regular and legal source of Canadian income.

· Non-Canadian residents can invest: Both Canadian and non-Canadian companies and residents can invest.

· Registered accounts can also invest: Both RRSP/TFSA can invest

预期回报

大多数安泊客户的房屋贷款利率在9%到12%之间，我们的目标是在扣除成本后给投资者带来超过8%的平均收益。

收益最大化：作为我们商业模式的一部分，安泊MIC将把所有的净收入分配给投资者，并预期每一个季度都会有这样的分配。

保险且稳定：每笔贷款都有加拿大物业作抵押，主要为：位于中心城市热点区域的高流动性物业，且借款人必须要有明确可行的退出计划，保证还款资金来源。

高透明度：安泊MIC确保投资者定期了解他们的投资状况。股息和投资报告按季度发布。投资人每年都可获得经审计过的财务报告。

持续现金流：季度性派息，稳定、有规律、合法的加拿大收入来源。

非加拿大居民也可投资：加拿大和非加拿大的公司、居民都可以进行投资。

注册账户也可投：RRSP/TFSA皆可投资

Anchor Mortgage

· Security: All investments are restricted to housing goods use only, third party objective assessment of property market value, strict control of loan ratio to avoid market risk. Unlimited personal guarantee for the borrower.

· High efficiency: Banks are slow in approving loans, making it difficult to meet borrowers' short-term bridging lending needs, while Anpo MIC focuses on short-term property and project loans, with systematic and efficient decision-making capabilities, helping borrowers to obtain timely payments.

· Humanization: Banks have rigid regulations and strict requirements for local income, so many high net worth overseas Chinese who do not have local income or credit history find it difficult to get loans from banks. Therefore, it is difficult for many HNWI overseas Chinese without local income or lack of credit history to obtain a loan from a bank.

· Diversification: Banks have more restrictions on certain types of housing and financing types, such as second mortgages, recreational land, construction land, unexplored land and construction sites. Ample MIC is involved in more diversified loans to fill the market gap of certain loan types.

安泊房贷

安全性：所有投资只限于房屋货款用途，第三方客观评估物业市场价值，严格控制贷款比率，规避市场风险。借货人无限个人担保。

高效率：银行审批贷款速度慢，难以满足借款人的短期过桥性借贷需求，而安泊MIC专注短期物业和项目货款，有着系统化、高效率的决策能力，能帮助借款人及时获得货款。

人性化：银行货款规定死板，有诸多硬性统一标准，多对本地收入有严格要求，因此很多没有当地收入或缺乏信用记录的高净值海外华人很难通过银行货款。而安泊MIC会考察借款人的海外收入、资产及现金收入等资料，以便对申请人的还款能力进更合理，灵活，人性化的评估。

多元化：银行对某些房屋类型和货款类型局限较多，例如二次抵押的货款，娱乐用地、建筑用地、未开星的土地和施工场地等。安泊MIC参与更多元化的货款来填补某些货款类型的市场空缺。

官方网站：https://amberfinancial.com/en