Another crash is inevitable. It's cyclical. When will it be? No one knows for sure, they just know it's coming. They say there are only two certainties in life, death and taxes. You can add financial market crashes to that. So how can you crash proof your RRSP investment? Tier1 Capital Management is leading the way through safe, secure high yield Principal Secured Mortgage investments with FIXED returns. No fluctuation. The attached brochure is a sample of what we do, and information on our latest project. Review the info, and call for a FREE consultation to find out how you can crash proof your RRSP and be better protected against the next crash.

1. Carino and Lally Developments
Rivers Edge Bancroft, Ontario
30 Nicklaus Drive, Bancroft, ON K0L 1C0
Rivers Edge
Bancroft, ON
John Lally – Developer of Rivers Edge
John Lally is the owner and operator of Lally Golf and brings years of experience to these projects and has extensive
knowledge of the Ontario golf market and the development of lands around golf courses. He currently owns and operates the
White Pine Shores Golf Club Community Resort, located in Harcourt, Ontario.
The Lally family and Lally Golf brings in over 40 years of experience and knowledge in golf course development with the
design, development, housing construction, project management and ownership of Golf Courses and adult lifestyle golf
retirement communities in Ontario. The Lally’s have designed and built every type of Golf Course from high-end premier
challenging courses to executive "short-game practice" and walking friendly facilities. The Lally’s are currently building "Adult
Lifestyle" retirement golf communities creating executive retreats.
The project is located in a picturesque setting of Bancroft, in the northerly
sector of the county at the cross roads of Hwys. #28 and #60 close to
Haliburton, Apsley, Peterborough and Belleville. This 18 hole golf course
winds through 500 acres of wooded terrain, surrounded by the Canadian
Shield hills, along the banks of the historic York River and includes
numerous ponds and creeks that strategically come into play.

2. Surrounding the golf course, intertwining amongst
some of the holes on the back 9 and bordering along
the historic York River are a number of serviced lots
(96) of which 32 have been sold already that have
both golf course frontage and stunning views of the
Canadian Shield hills. Located adjacent to the
Hastings Heritage Trail, the River’s Edge planned
community allows for easy access to the region’s
varied attractions and scenic wonders including
Eagles Nest Lookout for nature lovers.
The funds raised will be used for servicing costs and
building five model homes.
The project will be completed in several phases as
there are currently 120 lots with 100ft frontage to be
converted to 240 lots with 50 ft frontage. This funding
will include costs for this conversion.
Tier 1 Capital investors participated in the financing of
the 78 lot lifestyle community development. All 19
suites of the hotel have been fully renovated. White
Pine Shores Golf and Country Club Resort will begin
build out in April 2013. Tier 1 Capital clients are
receiving quarterly interest payments of 9 per cent per
year.
Visit the website: www.whitepineshores.ca to view
the resort’s amenities, site plan, renderings and floor
plans for this project.
White Pine Shores Estates, just south of magnificent
Algonquin Provincial Park, between Haliburton and
Bancroft, and minutes to Wilberforce and Cardiff, is
your four seasons wonderland community.
Previous Offering with Lally Developments:
White Pine Shores
Harcourt, ON

3. Mortgage Information Summary
Borrower: Carino and Lally Developments
Lenders: Bare Trustee (Lawyer) holding charge for
all account holders.
Project Status: Site Plan Approval
Funding Request: $ 1,575,000
Mortgage Rank: Second Mortgage
Mortgage Term: 2 Years
Mortgage Type: Closed Mortgage with
monthly interest payments. Principal
repayment at end of term.
Simple Interest Rate: 9% per year
Payment Frequency: Quarterly
Affordable: No management fees to be paid
by client other than annual trustee fees.
Current Appraisal: $ 5,500,000
Appraiser: Robert W. Gowdy of KMJ &
Associates Ltd.
Loan to Current Appraised Value: 65%
Security included but not limited to the
following:
• Mortgage over land and buildings
• Funds Escrowed in lawyer’s account
• General Security Agreement
Due Diligence: Tier 1 Capital Management
Law Firm: Fletcher Park Crichlow Associates.
Registered and Non-registered Account
Custodian: Olympia Trust. No funds are held
by Tier 1 Capital Management.
Trustee: Will act on behalf of each lender/
investor. J. Paul Fletcher of Fletcher Park Crichlow
Associates.
Independent Legal Advice offered to each lender/
investor at no additional cost.
Developer Lawyer: Christian Piersanti
Loan Monitoring: The Glynn Group and Tier 1
Capital Management
Innovative Growth Solution: No market
fluctuations. Fixed Income with scheduled
quarterly interest payments. Principal is
secured. Your investment is professionally
managed.
Minimum Investment: $25,000 CDN
Eligible for Cash, RRSP, RIF, LIRA, LIF & TFSA
Disclosure: Nothing in this material should be considered personalized financial advice. Although our staff may answer your general client service
questions, they are not licensed under mortgage or securities laws to address your particular investment or mortgage situation. No
communication by our staff to you should be deemed as personalized financial advice. Any investments or mortgages recommended in this
material should be made only after consulting with your investment or mortgage advisor and only after reviewing the mortgage documents or
offering memorandum of the syndicated mortgage. All syndicated mortgage investments are sold by licensed mortgage agents or Exempt Market
Agents in Ontario and various provinces in Canada.

4. Tier 1 Capital is a federally registered
corporation that specializes in the
origination, underwriting, servicing and
monitoring of Syndicated Mortgage
Investments for everyday Canadian
investors. As a leader in its field, Tier 1
Capital is proud in pioneering many of the
new developments and standards for the
mortgage syndication industry today, thus
making it possible for investors’ capital to
be secure while producing substantially
above average returns.
At Tier 1 Capital, we create outstanding
investments to help investors achieve their
financial goals by focusing on capital
preservation through direct collateral to
real property. Tier 1 Capital syndicated
mortgages provide an attractive annual
interest payout rate of 9 % derived from
syndicated mortgage lending to Real
Estate developers.
Tier 1 Capital generally works on behalf of
its investors, brokerages and developers.
Tier 1 Capital Management Inc.
3601 Highway 7 E. Suite 400
Markham, Ontario L3R 0M3
Tel: 905-477-7964
Fax: 416-907-1773
Email: admin@tier1capitalcorp.com
www.tier1capitalcorp.com
To Book Your Confidential
Appointment with a
Licensed Mortgage Advisor
please contact:
Limited Time Offering:
Once the entire raise is completed River’s
Edge will be closed to new investors.
Eligible for Cash, RRSP, RIF, LIRA,
LIF and TFSA
Minimum Investment: $25,000
Terri M Valstar
RVP - Business Development
905-323-5486 - Mobile
289-273-5881 - Direct