FMIC reserves the right to cap the Fund at any time without notice. Indicated returns are net of management fee, which is 1.0% plus expenses, and net of mortgage administration fee of 1.0%. Please read the Fund’s Prospectus before investing (available at www.sedar.com). These are historical compounded returns. They do not take into account income taxes payable by any holder. Pooled funds are not guaranteed; their values change frequently and past performance may not be repeated.