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					MACQUARIE FINANCIAL




Advantages
Macquarie Financial Ltd., a member of the Macquarie                                          I      Unconditional approvals
Group, is a Canadian financial services company focused                                             Unconditional approvals occur within 24 hours
on funding and servicing insured conventional and                                                   after all documentation has been received.
high-ratio residential mortgages originated through
mortgage brokers.                                                                            I      Rate Hold Period
                                                                                                    Once a fixed-rate application is received, we
Superior service plus preferred rates equals                                                        guarantee the rate for 90 days.
a higher percentage of renewals
At Macquarie Financial, we believe our application and                                       I     Taxes
ongoing processes to be some of the most user-friendly in                                           At Macquarie Financial, we don’t collect taxes on
the marketplace. Our brokers and your customers agree!                                              behalf of the borrower. We don’t require the borrower
Here’s why:                                                                                         to establish a tax account. This eliminates those
                                                                                                    phone calls to you from the lawyer indicating the
I      Committed to the Preferred Rate Mortgage                                                     borrower is short of funds for closing, or the after-
       We don't play the “Posted Rate game” with your                                               closing call from the borrowers complaining that the
       clients. They get our Preferred Rate all the time – at                                       mortgage company is deducting double the monthly
       time of application and at time of renewal – and you                                         tax portion. At Macquarie Financial, the borrower
       also have the option to buy down our rates.                                                  simply pays their own taxes.

I      Preferred Rate Pricing                                                                I    Prompt lawyer instruction and no bank
       Macquarie Financial not only offers all of your clients                                    account needs to be opened
       our competitive Preferred Rate, we now offer further
                                                                                             I
       savings on larger loans!
                                                                                                   ARM Qualifications
       High Ratio and Conventional 5 year fixed term                                                Your client can qualify for an Adjustable Rate
       mortgages will benefit from “Preferred Rate Pricing”                                         Mortgage on our 3-year preferred rate! At any time
       based on loan sizes of 500-999K and 1Million plus.                                           your client can convert to a closed fixed rate mortgage
                                                                                                    of equal or greater term at no additional cost.
I      Faster approvals
       Faster approvals mean higher client and realtor                                       I     No Nonsense Renewals
       retention, resulting in improved satisfaction and overall                                    Our model aims at getting you low rates so your
       more referral business. Files completed in a timely                                          client renews with you each and every time.
       manner allow you to get on with your next deal.
                                                                                             I     We’re on your side!
                                                                                                    Build your book of business, through trailer and
                                                                                                    renewal fees, and get paid on refinancing.


The Macquarie Financial Service Centre
The Macquarie Financial Service Centre provides one point                                    Brokers with questions about their deals are advised as
of contact for the caller on issues relating to Sales,                                       to their status, and lawyers with questions can call the
Servicing and Underwriting.                                                                  Centre for timely information.

The Service Centre specialists have direct access to                                         Examples of services provided:
all the computer systems that Macquarie Financial uses.                                      I  Special promotions
                                                                                             I Information on our products and features
This means a borrower calling to change their payment
or convert their mortgage from an ARM to a fixed rate
                                                                                             I Basic mortgage underwriting criteria
product can be taken care of immediately by a Service
Centre specialist.                                                                           I The status of your deal
                                                                                             I Modifications to mortgage


Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other
liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise.
MFL is not regulated as a bank or other financial institution or as a holding company thereof.                                                             MFL_BkrKit_EN_051509
MACQUARIE FINANCIAL




Broker Compensation –
Trailer Fees
Build Your Relationships                                                                     Trailer Compensation Model
                                                                                                                            I 75 bps Origination Fee
Mortgage brokers own 30% of the market and it’s time you
                                                                                              Five Year
                                                                                                                            I 8 bps Trailer Fee (4X)
took advantage of the important role you’re playing in the
                                                                                                                            I 50 bps Renewal Fee
industry. That’s why Macquarie Financial is changing the
                                                                                                                            I 8 bps Trailer Fee (4X)
broker model. The Macquarie Financial Customer Retention
model means that the borrower will always be your
customer, and we help you build lifelong client relationships.                                Three Year                    I 60 bps Origination Fee
                                                                                                                            I 8 bps Trailer Fee (2X)
Build Your Revenues                                                                                                         I 25 bps Renewal Fee
Most importantly, Macquarie Financial will reward you for                                                                   I 8 bps Trailer Fee (2X)

                                                                                                                            I 60 bps Origination Fee
building these relationships through our innovative trailer                                   One Year
                                                                                                                            I Full Origination Fee for
fee model. We pay you a fee at origination, a trailer fee
during the term and a straight forward renewal fee and                                                                          First Renewal Term
trailer during the renewal term. The Macquarie Financial
compensation model lets you build an annuity revenue
stream over the life of your customer’s loan.




Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other
liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise.
MFL is not regulated as a bank or other financial institution or as a holding company thereof.                                                             MFL_BkrKit_EN_051509
MACQUARIE FINANCIAL




Broker Compensation –
Upfront Fees
Build Your Relationships                                                                     Upfront Compensation Model
Mortgage brokers who deal with Macquarie Financial
                                                                                              Five Year                     I   100 bps Origination Fee
have the flexibility to manage their cash flow by selecting
                                                                                                                            I   50 bps Renewal Fee
the compensation option that suits them best for each
                                                                                                                            I   8 bps Trailer Fee (4X)
mortgage they finalize.
                                                                                              Three Year                    I   65 bps Origination Fee
                                                                                                                            I   25 bps Renewal Fee
Macquarie Financial’s Upfront Fee option offers brokers
                                                                                                                            I   8 bps Trailer Fee (2X)
a lump sum origination commission payment and, unlike
other financial institutions, Macquarie Financial pays a                                      One Year                      I   60 bps Origination Fee
straightforward renewal fee, as well as trailer fees over                                                                   I   Full Origination Fee for
the renewal period.                                                                                                             First Renewal Term




Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other
liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise.
MFL is not regulated as a bank or other financial institution or as a holding company thereof.                                                             MFL_BkrKit_EN_051509
MACQUARIE FINANCIAL




High Ratio Mortgage
The Macquarie Financial High Ratio Mortgage                                                 High Ratio Highlights
offers your clients mortgages with as little as
5% down. Fixed and ARM options are available                                                I    Loans up to $2 million for purchases
with flexible payment privileges.                                                                and refinances
                                                                                            I    LTV up to 95%
                                                                                            I    Fixed Rate mortgage terms of 1, 3 and 5 years
                                                                                            I    Adjustable Rate mortgage term of 5 years
                                                                                            I    Extended amortization up to 35 years
                                                                                            I    Worry-free Preferred Rate Pricing on new and
                                                                                                 renewal mortgages
                                                                                            I    Up to 4 units owner occupied; must be
                                                                                                 borrower's primary residence
                                                                                            I    20/20 prepayment privileges
                                                                                            I    Flexible payment frequencies
                                                                                            I    Portable and Assumable
                                                                                            Note: All Macquarie Financial products and their features are subject to
                                                                                                  change without notice.




                                                                                            Now it's easier than ever to get a mortgage!

                                                                                                For detailed information on all Macquarie Financial
                                                                                                mortgages, visit the “forms & guidelines” section of
                                                                                                our website under “brokers”.

                                                                                                Toll Free 877 462 3788
                                                                                                MacquarieFinancial.com
                                                                                                We’re on your side.




Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other
liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise.
MFL is not regulated as a bank or other financial institution or as a holding company thereof.                                                             MFL_BkrKit_EN_051509
MACQUARIE FINANCIAL




Conventional Mortgage
With as little as 20% down, the Macquarie                                                   Conventional Highlights
Financial Conventional Mortgage offers your
clients a product free of mortgage insurance                                                I    Loans up to $1.5 million for purchases and
premiums.                                                                                        refinances
                                                                                            I    LTV up to 80%
                                                                                            I    Fixed Rate mortgage terms of 1, 3 and 5 years
                                                                                            I    Adjustable Rate mortgage term of 5 years
                                                                                            I    No insurance premiums
                                                                                            I    Extended amortization up to 35 years
                                                                                            I    Worry-free Preferred Rate Pricing on new and
                                                                                                 renewal mortgages
                                                                                            I    Up to 4 units owner occupied; must be
                                                                                                 borrower's primary residence
                                                                                            I    20/20 prepayment privileges
                                                                                            I    Flexible payment frequencies
                                                                                            I    Portable and Assumable
                                                                                            Note: All Macquarie Financial products and their features are subject to
                                                                                                  change without notice.




                                                                                            Now it's easier than ever to get a mortgage!

                                                                                                For detailed information on all Macquarie Financial
                                                                                                mortgages, visit the “forms & guidelines” section of
                                                                                                our website under “brokers”.

                                                                                                Toll Free 877 462 3788
                                                                                                MacquarieFinancial.com
                                                                                                We’re on your side.




Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other
liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise.
MFL is not regulated as a bank or other financial institution or as a holding company thereof.                                                             MFL_BkrKit_EN_051509
MACQUARIE FINANCIAL




Business for Self
Mortgage
The Macquarie Financial Business for Self                                                   Business for Self (ALT A) Highlights
Mortgage offers your self-employed clients,
who may not typically qualify for a mortgage,                                               I    Loans up to $1 million; purchases and refinances
the opportunity to own a home.                                                              I    LTV up to 95%
                                                                                            I    Fixed Rate mortgage terms of 1, 3 and 5 years
                                                                                            I    Adjustable Rate mortgage term of 5 years
                                                                                            I    Extended amortization up to 35 years
                                                                                            I    Worry-free Preferred Rate Pricing on new and
                                                                                                 renewal mortgages
                                                                                            I    “Stated Income” used to qualify debt servicing
                                                                                                 ratios; income verification documents are required
                                                                                            I    Up to 2 units owner occupied; must be
                                                                                                 borrower's primary residence
                                                                                            I    Portable and Assumable
                                                                                            Note: All Macquarie Financial products and their features are subject to
                                                                                                  change without notice.




                                                                                            Now it's easier than ever to get a mortgage!

                                                                                                For detailed information on all Macquarie Financial
                                                                                                mortgages, visit the “forms & guidelines” section of
                                                                                                our website under “brokers”.

                                                                                                Toll Free 877 462 3788
                                                                                                MacquarieFinancial.com
                                                                                                We’re on your side.




Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other
liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise.
MFL is not regulated as a bank or other financial institution or as a holding company thereof.                                                             MFL_BkrKit_EN_051509
MACQUARIE FINANCIAL




New to Canada
Mortgage
The Macquarie Financial New to Canada                                                       New to Canada Highlights
Mortgage makes it possible for clients
relocating to Canada to own their first home.                                               I    Loans up to $2 million for High Ratio and $1.5
                                                                                                 million for Conventional purchases
                                                                                            I    LTV up to 95%
                                                                                            I    Fixed Rate mortgage terms of 1, 3 and 5 years
                                                                                            I    Adjustable Rate mortgage term of 5 years
                                                                                            I    Worry-free Preferred Rate Pricing on new
                                                                                                 and renewal mortgages
                                                                                            I    New relocates and immigrants qualify with no
                                                                                                 credit history in Canada
                                                                                            I    Only 3 months full time employment history in
                                                                                                 Canada required to qualify
                                                                                            I    Up to 2 units; at least one must be owner occupied
                                                                                            I    Extended amortization available up to 35 years
                                                                                            I    Portable and Assumable
                                                                                            Note: All Macquarie Financial products and their features are subject to
                                                                                                  change without notice.




                                                                                            Now it's easier than ever to get a mortgage!

                                                                                                For detailed information on all Macquarie Financial
                                                                                                mortgages, visit the “forms & guidelines” section of
                                                                                                our website under “brokers”.

                                                                                                Toll Free 877 462 3788
                                                                                                MacquarieFinancial.com
                                                                                                We’re on your side.




Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other
liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise.
MFL is not regulated as a bank or other financial institution or as a holding company thereof.                                                             MFL_BkrKit_EN_051509
MACQUARIE FINANCIAL




Large Loan Program
Macquarie Financial not only offers all of your                                             Large Loans Highlights
clients our competitive Preferred Rate, we now
offer further savings on larger loans!                                                      I    Fixed Rate mortgage terms of 1, 3 and 5 years
                                                                                            I    Adjustable Rate mortgage term of 5 years
High Ratio and Conventional 5 year Fixed Term                                               I    High Ratio, Conventional, Business for Self and
mortgages will benefit from “Preferred Rate                                                      Investment mortgages
Pricing” based on loan sizes of $500-999K and                                               I    Worry-free Preferred Rate Pricing
$1 Million plus.                                                                            I    Extended amortization up to 35 years
                                                                                            I    Up to 4 units owner occupied; must be
                                                                                                 borrower's primary residence
                                                                                            I    20/20 Prepayment privileges
                                                                                            I    Flexible payment frequencies
                                                                                            I    Portable and Assumable


                                                                                            Note: All Macquarie Financial products and their features are subject to
                                                                                                  change without notice.




                                                                                            Now it's easier than ever to get a mortgage!

                                                                                                For details and rates on all Macquarie Financial
                                                                                                Mortgages, visit the “brokers” section of our website.

                                                                                                Toll Free 877 462 3788
                                                                                                MacquarieFinancial.com
                                                                                                We’re on your side.




Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other
liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise.
MFL is not regulated as a bank or other financial institution or as a holding company thereof.                                                             MFL_BkrKit_EN_051509
MACQUARIE FINANCIAL




Investment
(Rental) Mortgage
With the Macquarie Financial Investment                                                     Investment (Rental) Highlights
(Rental) Mortgage, clients can enter the
attractive and growing real estate market for                                               I    Loans up to $1 million; purchases and refinances
residential investment properties.                                                          I    LTV up to 90%
                                                                                            I    Up to 4 units non-owner occupied
                                                                                            I    Fixed Rate mortgage terms of 1, 3 and 5 years
                                                                                            I    Adjustable Rate mortgage term of 5 years
                                                                                            I    Extended amortizations up to 35 years
                                                                                            I    Portable and Assumable
                                                                                            Note: All Macquarie Financial products and their features are subject to
                                                                                                  change without notice.




                                                                                            Now it's easier than ever to get a mortgage!

                                                                                                For detailed information on all Macquarie Financial
                                                                                                mortgages, visit the “forms & guidelines” section of
                                                                                                our website under “brokers”.

                                                                                                Toll Free 877 462 3788
                                                                                                MacquarieFinancial.com
                                                                                                We’re on your side.




Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other
liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise.
MFL is not regulated as a bank or other financial institution or as a holding company thereof.                                                             MFL_BkrKit_EN_051509
MACQUARIE FINANCIAL




Switch
Mortgage Program
Now transferring your clients mortgage is as                                                Switch/Transfer Highlights
easy as flipping a switch.
                                                                                            I    Conventional and High Ratio mortgages
                                                                                            I    Fixed Rate mortgage terms of 1, 3 and 5 years
                                                                                            I    Adjustable Rate mortgage term of 5 years
                                                                                            I    No appraisal fees
                                                                                            I    Minimum mortgage amount $100,000
                                                                                            I    No legal fees
                                                                                            I    Worry-free Preferred Rate Pricing on new and
                                                                                                 renewal mortgages
                                                                                            I    Available in Ontario, British Columbia and Alberta
                                                                                            I    Borrower discharge/admin fees capitalized up to
                                                                                                 $500 CAD
                                                                                            I    Required Documentation*
                                                                                                 I Request for Statement form signed by all
                                                                                                    borrowers
                                                                                                 I Regular Macquarie Financial credit documents
                                                                                                 * Required documents must be recieved a minimum of 10 days
                                                                                                     prior to renewal date.

                                                                                            Note: 1. Please inform the borrower that First Canadian Title will
                                                                                                  be contacting them to facilitate the transfer.
                                                                                                  2. All Macquarie Financial products and their features are subject to
                                                                                                  change without notice.



                                                                                            Now it's easier than ever to switch a mortgage!

                                                                                                For detailed information on all Macquarie Financial
                                                                                                mortgages, visit the “forms & guidelines” section of
                                                                                                our website under “brokers”.

                                                                                                Toll Free 877 462 3788
                                                                                                MacquarieFinancial.com
                                                                                                We’re on your side.




Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other
liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise.
MFL is not regulated as a bank or other financial institution or as a holding company thereof.                                                             MFL_BkrKit_EN_051509
MACQUARIE FINANCIAL




No Fee Refinance
The Macquarie Financial No Fee Refinance Program                                            Free set up service:
offers your clients the opportunity to build wealth and                                     I Convenient in-home or in-office document
save money too!                                                                                signing service
                                                                                            I Standard legal fees1
Help your clients refinance their home faster, more efficiently                             I Required title searches
and with no legal fees1. Whether they refinance for home                                    I Applicable payout statements
improvements, debt consolidation, education or investment                                   I Disbursement payout
purposes, the Macquarie Financial No Fee Refinance                                          I Automatic deal status email updates
Program will help make their dreams a reality.                                              Applicable terms & mortgages:
                                                                                            I 3 and 5 year fixed rate terms
                                                                                            I 5 year adjustable rate term
                                                                                            I High Ratio, Conventional and Business for Self

                                                                                            Maximum equity take out:
                                                                                            I 75% of equity up to $200k
                                                                                            I Maximum up to 90% LTV

                                                                                            All other mortgage features apply:
                                                                                            I Worry-free preferred rate pricing
                                                                                            I Extended amortization of 35 years
                                                                                            I Flexible payment frequencies
                                                                                            I Portable and Assumable

                                                                                             Note:   1. The No Fee Refinance program does not include: any required
                                                                                                        independent legal advice, associated borrower penalties, discharge,
                                                                                                        administration fees or refinances not processed by First Canadian Title.
                                                                                                     2. All Macquarie Financial products and their features are subject to change
                                                                                                        without notice. Product terms and conditions apply.




                                                                                                Now it's easier than ever to refi your home!

                                                                                                For detailed information on all Macquarie Financial
                                                                                                mortgages, visit the “broker” section of our website.

                                                                                                1 877 462 3788
                                                                                                MacquarieFinancial.com
                                                                                                We’re on your side.


Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other
liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise.
MFL is not regulated as a bank or other financial institution or as a holding company thereof.                                              CODE: MFL_NoFeeRefi_EN_042309