www.capitalmortgages.com

A GREAT PLACETO PURSUE YOUR FUTURE.

Make an appointment with one of our team members today.careers@capitalmortgages.com

STEFAN KREPSKIOWNER - CPMB (MORTGAGE BROKER)Phone: 613-627-1055

PO KREPSKIOWNER - CPMB (MORTGAGE BROKER)Phone: 613-627-1056

RICHARD MORGANOWNER - CPMB (MORTGAGE BROKER)Phone: 613-627-1040

JASON KELLYSALES, TRAINING & RECRUITMENT MGRPhone: 613-627-1063

Brokerage #10575

Who is Capital Mortgages?Capital Mortgages Inc., part of the Verico Mortgage Broker Net-work, is one of Ontario’s leading real estate mortgage brokerag-es, with our head office located in Ottawa. Capital Mortgages Inc was opened in January 1999 by current owners Po and Stefan Krepski and Richard Morgan.

A service-oriented brokerage that prides itself on integrity above all else, Capital Mortgages Inc has maintained a service level second to none in the industry. Our team of mortgage brokers and agents offer seamless solutions for all mortgage needs - whether commercial, the purchase of a principal residence, a revenue producing property or refinancing existing loans and mortgages.

Our mandate is to offer the best financing products for our clients’ needs. While we take pride in delivering the best possible rate, we also realize that mortgages today involve so much more. Today’s consumer is looking for optimum mortgage solutions with minimum inconvenience to them - solutions that we strive for each and every day by providing knowledge, the ability to reduce borrowing costs, to increase personal wealth and of course create peace of mind.

Our ever increasing number of satisfied clients is a clear indication that focusing on relationships, ethics and being a personal mortgage broker for life, as well as rates, is the correct path. A path you want to go down.

WELCOME

“Every day brings renewed excitement - new leads, new deals, and a superior team to help get the work done.”

Andrew Walters, Mortgage Agent

MISSIONAt Capital Mortgages Inc. we believe that you’re more than a salesperson. You’re a business owner, an essential services provider dedicated to providing legendary experience to your clients by protecting, educating and caring for each of them.

We’ve made it our mission to invest the time and resources that target your needs in order to help you reach the ultimate level of service and success, by using the most up-to-date technology, training venues, group and one-on-one coaching, as well as coordinating regular presentations by both local and national lenders and institutions.

OUR VISIONAt Capital Mortgages Inc. our vision is to create a stage where people are willing and able to share and combine their talents and passions. We strive to create a community where you want to belong, and where all voices can speak up and be heard.

Our success is demonstrated in both human and financial terms that are ultimately passed on to your clients – giving them 100% peace of mind knowing that they’ve chosen to work with a Capital Mortgages agent.

Who is Capital Mortgages?Capital Mortgages Inc., part of the Verico Mortgage Broker Net-work, is one of Ontario’s leading real estate mortgage brokerag-es, with our head office located in Ottawa. Capital Mortgages Inc was opened in January 1999 by current owners Po and Stefan Krepski and Richard Morgan.

A service-oriented brokerage that prides itself on integrity above all else, Capital Mortgages Inc has maintained a service level second to none in the industry. Our team of mortgage brokers and agents offer seamless solutions for all mortgage needs - whether commercial, the purchase of a principal residence, a revenue producing property or refinancing existing loans and mortgages.

Our mandate is to offer the best financing products for our clients’ needs. While we take pride in delivering the best possible rate, we also realize that mortgages today involve so much more. Today’s consumer is looking for optimum mortgage solutions with minimum inconvenience to them - solutions that we strive for each and every day by providing knowledge, the ability to reduce borrowing costs, to increase personal wealth and of course create peace of mind.

Our ever increasing number of satisfied clients is a clear indication that focusing on relationships, ethics and being a personal mortgage broker for life, as well as rates, is the correct path. A path you want to go down.

WELCOME

“Every day brings renewed excitement - new leads, new deals, and a superior team to help get the work done.”

Andrew Walters, Mortgage Agent

MISSIONAt Capital Mortgages Inc. we believe that you’re more than a salesperson. You’re a business owner, an essential services provider dedicated to providing legendary experience to your clients by protecting, educating and caring for each of them.

We’ve made it our mission to invest the time and resources that target your needs in order to help you reach the ultimate level of service and success, by using the most up-to-date technology, training venues, group and one-on-one coaching, as well as coordinating regular presentations by both local and national lenders and institutions.

OUR VISIONAt Capital Mortgages Inc. our vision is to create a stage where people are willing and able to share and combine their talents and passions. We strive to create a community where you want to belong, and where all voices can speak up and be heard.

Our success is demonstrated in both human and financial terms that are ultimately passed on to your clients – giving them 100% peace of mind knowing that they’ve chosen to work with a Capital Mortgages agent.

Sue Hameed, Mortgage AgentSue Hameed, Mortgage Agent

MORTGAGES

iQ Insurance ServicesEvery mortgage requires home insurance, and this step in the mort-gage process can sometimes cause unnecessary delays. Working with iQ Insurance will eliminate time spent looking for, and acquiring good home insurance coverage. By referring your clients, they will get the protection they need so the mortgage funds without delay. As a mortgage broker partnering with iQ Insurance Services, you have that competitive advantage to help and retain your clients for future opportunities.

Benefits:• No need to shop around to find home insurance, we save your clients time

• Professional insurance advice, as well as a diversity of options to meet your client’s needs

• Paperless transactions & electronic signatures means clients can sign electronically

• Upfront referral fees paid to mort-gage brokers

Insurance Products:• Home, Condo, Tenant & Renters, Income & Vacation Property Insurance• Travel Insurance• Commercial Insurance• Private Auto Insurance

Brinco Insurance Brinco Financial provides flexible insurance products that are tailored to meet your client’s specific needs. These products are available through a simple referral process, and pays referral fees to you when you refer. Insurance products can help provide coverage should your clients have short term needs, or want to supplement their creditor insurance.

Benefits:• A complete life insurance product offering to suit any client’s needs

• Easy referral process with referral fees going to the mortgage broker

• Leverage and work with insurance professionals who understand your client’s specific needs and challenges

• A fast initial application done via the phone so clients can talk on the road, at home, or at the office

Products:• Life Insurance• Critical Illness• Disability Insurance• Term Insurance

CAPITAL IDEALIt is a given that the business we are all in is mortgage origination. We provide to the public a service that is so important it could – and often does – affect their lives for years to come.

In order to provide this service all must act with honesty and integrity. The ability to listen, to learn and to grow is of utmost importance and Capital Mortgages Inc. is dedicated to providing the training, tools and coaching you need to make that happen.

The desire and passion to succeed are within you. We’re here to help you along your journey, and in turn your knowledge and direction will help others to grow in the same ideals of profes-sionalism, respect, cooperation and fellowship.

At Capital Mortgages our commitment to our clients is paramount. Each client represents not only the lifeblood of our industry, but also our future. We believe that by providing the best customer experience even unsuccessful transactions can lead to future associations.

We listen to every story, empathize with each unique client, get to the bottom of every situation and then act to the fullest of our abilities to give our clients – each and every one - the best possible results, and the peace of mind knowing they are heard and cared for.

“I am truly blessed to be part of the Capital Mortgages Team. The ongoing training and support has helped me grow my business in just 2 years to a level beyond what I imagined.

It is reassuring to know that advice, knowledge and encouragement are always just a phone call away.”

“I am truly blessed to be part of the Capital Mortgages Team. The ongoing training and support has helped me grow my business in just 2 years to a level beyond what I imagined.

It is reassuring to know that advice, knowledge and encouragement are always just a phone call away.”

Sue Hameed, Mortgage AgentSue Hameed, Mortgage Agent

MORTGAGES

iQ Insurance ServicesEvery mortgage requires home insurance, and this step in the mort-gage process can sometimes cause unnecessary delays. Working with iQ Insurance will eliminate time spent looking for, and acquiring good home insurance coverage. By referring your clients, they will get the protection they need so the mortgage funds without delay. As a mortgage broker partnering with iQ Insurance Services, you have that competitive advantage to help and retain your clients for future opportunities.

Benefits:• No need to shop around to find home insurance, we save your clients time

• Professional insurance advice, as well as a diversity of options to meet your client’s needs

• Paperless transactions & electronic signatures means clients can sign electronically

• Upfront referral fees paid to mort-gage brokers

Insurance Products:• Home, Condo, Tenant & Renters, Income & Vacation Property Insurance• Travel Insurance• Commercial Insurance• Private Auto Insurance

Brinco Insurance Brinco Financial provides flexible insurance products that are tailored to meet your client’s specific needs. These products are available through a simple referral process, and pays referral fees to you when you refer. Insurance products can help provide coverage should your clients have short term needs, or want to supplement their creditor insurance.

Benefits:• A complete life insurance product offering to suit any client’s needs

• Easy referral process with referral fees going to the mortgage broker

• Leverage and work with insurance professionals who understand your client’s specific needs and challenges

• A fast initial application done via the phone so clients can talk on the road, at home, or at the office

Products:• Life Insurance• Critical Illness• Disability Insurance• Term Insurance

CAPITAL IDEALIt is a given that the business we are all in is mortgage origination. We provide to the public a service that is so important it could – and often does – affect their lives for years to come.

In order to provide this service all must act with honesty and integrity. The ability to listen, to learn and to grow is of utmost importance and Capital Mortgages Inc. is dedicated to providing the training, tools and coaching you need to make that happen.

The desire and passion to succeed are within you. We’re here to help you along your journey, and in turn your knowledge and direction will help others to grow in the same ideals of profes-sionalism, respect, cooperation and fellowship.

At Capital Mortgages our commitment to our clients is paramount. Each client represents not only the lifeblood of our industry, but also our future. We believe that by providing the best customer experience even unsuccessful transactions can lead to future associations.

We listen to every story, empathize with each unique client, get to the bottom of every situation and then act to the fullest of our abilities to give our clients – each and every one - the best possible results, and the peace of mind knowing they are heard and cared for.

“I am truly blessed to be part of the Capital Mortgages Team. The ongoing training and support has helped me grow my business in just 2 years to a level beyond what I imagined.

It is reassuring to know that advice, knowledge and encouragement are always just a phone call away.”

“I am truly blessed to be part of the Capital Mortgages Team. The ongoing training and support has helped me grow my business in just 2 years to a level beyond what I imagined.

It is reassuring to know that advice, knowledge and encouragement are always just a phone call away.”

MORE THAN MORTGAGES

Are you ready to go a step further?

Teneda is a cloud-based platform designed specifically for the mortgage professional to enhance client engage-ment, boost your productivity and maxi-mize cross-sell and up-sell opportunities, and it’s available as a customized, month-to-month subscription for all Capital Mortgages Agents and Brokers.

The Teneda platform is a full customer lifecycle management solution, which allows you to manage all business activi-ties and customer interactions in one place – from lead capture to fulfillment, and post-fulfillment. Teneda integrates with D+H, Email, SMS and more, allow-ing you to fully manage and monitor every part of the process.

Teneda’s powerful tools and dashboard allow you to generate reports, measure your business growth, set up events and calendars, and provide a portal for your clients to load documents and access important information at any hour, wher-ever they are – and wherever you are.

BrokerBaseBrokerBase Automated Marketing Program (BAMP) is a new way of collab-oration between our Mortgage Broker / Agents and Lenders that will help drive business to you.

The BrokerBase system offers the most robust suite of marketing tools, which wraps your clients in customized and branded marketing that will keep you top of mind. The integrated platform strate-gically captures cross-sell opportunities that earn you more revenue streams and integrates seamlessly with your D+H account.

Everything is automated, and main-tained and updated by a dedicated team, allowing you to invest more of your energy and time into your clients and your business.

DO MORE. OWN MORE. KEEP MORE.Over 80% of customers renew their mortgage with the same lender – how does a mortgage broker keep that relationship? Just as importantly, how can we attract new relationships?

At Capital Mortgages Inc., we can provide you with an opportunity to become indispensable by offering your clients more than mortgages – while growing your business at the same time.

CANADIAN FIRST FINANCIAL CENTRES

We believe that one way to add more is by partnering with CFFG (Canadian First Financial Group) and offering more than mortgages by becoming a Canadian First Financial Centre.

Being a CFFC offers opportunities to start new conversations with existing and new clients by offering banking and financial services for short and long term needs, and personal banking products and investment options that they are typically getting at other financial institutions. They have an entire product line of investment and savings tools to help you provide comprehensive solutions aligned with your clients financial plans – like TSFAs, GICs, HISAs and RSPs!

GROUPLEND PERSONAL LOANS brought to you by VERICO

Another way to do more for your clients is by introducing Grouplend. Grouplend is Canada’s leading online lending platform, which offers a convenient and affordable way for qualified clients to access unsecured credit. So-called “Marketplace” or peer-to-peer lending has found immense success in the United States and abroad, and now Grouplend is bringing it to Canada – and you can bring it to your clients.

Being able to use Grouplend to facilitate debt consolidation, home renovations or a major purchase means being able to help your clients, and at the same time allows you to bring in more revenue from existing customers.

As a part of the Capital Mortgages team, you will be able to offer more value to your customers to help them save, invest and grow their wealth -- and that's good for your business.

“My decision to join the Capital Mortgages Family was based on the experience of the Broker Owners in the industry, their open communication with the

agents, and the fair compensation split. Since joining Capital Mortgages, our Broker Owners have provided us with a broad range of not only Mortgage

Services, but other financial services as well - that allow us to provide more assistance to our customers, and creates multiple income streams for us.

Joining Capital Mortgages has been a great move!”

“My decision to join the Capital Mortgages Family was based on the experience of the Broker Owners in the industry, their open communication with the

agents, and the fair compensation split. Since joining Capital Mortgages, our Broker Owners have provided us with a broad range of not only Mortgage

Services, but other financial services as well - that allow us to provide more assistance to our customers, and creates multiple income streams for us.

Joining Capital Mortgages has been a great move!” Samantha Matthews, Mortgage Broker

Introducing Teneda

MORE THAN MORTGAGES

Are you ready to go a step further?

Teneda is a cloud-based platform designed specifically for the mortgage professional to enhance client engage-ment, boost your productivity and maxi-mize cross-sell and up-sell opportunities, and it’s available as a customized, month-to-month subscription for all Capital Mortgages Agents and Brokers.

The Teneda platform is a full customer lifecycle management solution, which allows you to manage all business activi-ties and customer interactions in one place – from lead capture to fulfillment, and post-fulfillment. Teneda integrates with D+H, Email, SMS and more, allow-ing you to fully manage and monitor every part of the process.

Teneda’s powerful tools and dashboard allow you to generate reports, measure your business growth, set up events and calendars, and provide a portal for your clients to load documents and access important information at any hour, wher-ever they are – and wherever you are.

BrokerBaseBrokerBase Automated Marketing Program (BAMP) is a new way of collab-oration between our Mortgage Broker / Agents and Lenders that will help drive business to you.

The BrokerBase system offers the most robust suite of marketing tools, which wraps your clients in customized and branded marketing that will keep you top of mind. The integrated platform strate-gically captures cross-sell opportunities that earn you more revenue streams and integrates seamlessly with your D+H account.

Everything is automated, and main-tained and updated by a dedicated team, allowing you to invest more of your energy and time into your clients and your business.

DO MORE. OWN MORE. KEEP MORE.Over 80% of customers renew their mortgage with the same lender – how does a mortgage broker keep that relationship? Just as importantly, how can we attract new relationships?

At Capital Mortgages Inc., we can provide you with an opportunity to become indispensable by offering your clients more than mortgages – while growing your business at the same time.

CANADIAN FIRST FINANCIAL CENTRES

We believe that one way to add more is by partnering with CFFG (Canadian First Financial Group) and offering more than mortgages by becoming a Canadian First Financial Centre.

Being a CFFC offers opportunities to start new conversations with existing and new clients by offering banking and financial services for short and long term needs, and personal banking products and investment options that they are typically getting at other financial institutions. They have an entire product line of investment and savings tools to help you provide comprehensive solutions aligned with your clients financial plans – like TSFAs, GICs, HISAs and RSPs!

GROUPLEND PERSONAL LOANS brought to you by VERICO

Another way to do more for your clients is by introducing Grouplend. Grouplend is Canada’s leading online lending platform, which offers a convenient and affordable way for qualified clients to access unsecured credit. So-called “Marketplace” or peer-to-peer lending has found immense success in the United States and abroad, and now Grouplend is bringing it to Canada – and you can bring it to your clients.

Being able to use Grouplend to facilitate debt consolidation, home renovations or a major purchase means being able to help your clients, and at the same time allows you to bring in more revenue from existing customers.

As a part of the Capital Mortgages team, you will be able to offer more value to your customers to help them save, invest and grow their wealth -- and that's good for your business.

“My decision to join the Capital Mortgages Family was based on the experience of the Broker Owners in the industry, their open communication with the

agents, and the fair compensation split. Since joining Capital Mortgages, our Broker Owners have provided us with a broad range of not only Mortgage

Services, but other financial services as well - that allow us to provide more assistance to our customers, and creates multiple income streams for us.

Joining Capital Mortgages has been a great move!”

“My decision to join the Capital Mortgages Family was based on the experience of the Broker Owners in the industry, their open communication with the

agents, and the fair compensation split. Since joining Capital Mortgages, our Broker Owners have provided us with a broad range of not only Mortgage

Services, but other financial services as well - that allow us to provide more assistance to our customers, and creates multiple income streams for us.

Joining Capital Mortgages has been a great move!” Samantha Matthews, Mortgage Broker

Introducing Teneda

Earn more money?

Learn from your peers?

Let technology workfor you?

Generate more leads,referrals and repeatbusiness?

Explore new revenuestreams?

Be a part of something greater?

Work for yourself?

BUILDING SUCCESS

Do you want to...REASONS TO JOIN US• Part of the Verico Network – Not a franchise or Superbroker

• Status with Several Lenders

• Lender Incentives are Paid to Agents

• Weekly Direct Deposit to Agents

• FREE CRM & Marketing Program (Broker Base)

• FREE Personalized Website & Mobile App

• FREE – 1000 Business Cards

• Education & Training support from Verico Academy and Internal Coaching

• Mortgage, Life & Disability, Critical Illness, Accidental Death and Property Insurance

• Lender Learn Series

• Canadian First Financial Centre – Banking and Financial Services

“Best CRM and marketing support out there with Verico. If you take the time to learn the features available , you can’t fail.”

Brad Nemes, Mortgage Agent

Earn more money?

Learn from your peers?

Let technology workfor you?

Generate more leads,referrals and repeatbusiness?

Explore new revenuestreams?

Be a part of something greater?

Work for yourself?

BUILDING SUCCESS

Do you want to...REASONS TO JOIN US• Part of the Verico Network – Not a franchise or Superbroker

• Status with Several Lenders

• Lender Incentives are Paid to Agents

• Weekly Direct Deposit to Agents

• FREE CRM & Marketing Program (Broker Base)

• FREE Personalized Website & Mobile App

• FREE – 1000 Business Cards

• Education & Training support from Verico Academy and Internal Coaching

• Mortgage, Life & Disability, Critical Illness, Accidental Death and Property Insurance

• Lender Learn Series

• Canadian First Financial Centre – Banking and Financial Services

“Best CRM and marketing support out there with Verico. If you take the time to learn the features available , you can’t fail.”

Brad Nemes, Mortgage Agent

IF YOU COULD: Earn more revenue,Keep more of your commisions, Have more tools at your fingertips, Close more deals,

WOULD YOU?

ARE YOU READY?

JOIN US

Donna Mahoney, Mortgage Agent

Thanks for taking the time to glance through this booklet. Maybe you've spoken to one of our management team, or even one of our Agents. But where do you go from here?

It's easy: reach out to one of our management team to arrange a one-on one, confidential conversation regarding what Verico Capital Mortgages Inc. can do for you. Let us demon-strate the full set of tools available to you to enhance your future, and help you transition from where you are, to where you want to go- someplace where you can build a great future.

Making a move, transitioning, taking action - it's easy to put it off, slide into complacency, or "wait until a better time".

We get that.

That's why we're here to help every stepof the way. It's all about you - and yourfuture.

“I joined Capital Mortgages 4 years ago after brokering with another firm for over 18 years. The level of support, client retention programs and office environment is fantastic.

Should have made the move years ago!”

IF YOU COULD: Earn more revenue,Keep more of your commisions, Have more tools at your fingertips, Close more deals,

WOULD YOU?

ARE YOU READY?

JOIN US

Donna Mahoney, Mortgage Agent

Thanks for taking the time to glance through this booklet. Maybe you've spoken to one of our management team, or even one of our Agents. But where do you go from here?

It's easy: reach out to one of our management team to arrange a one-on one, confidential conversation regarding what Verico Capital Mortgages Inc. can do for you. Let us demon-strate the full set of tools available to you to enhance your future, and help you transition from where you are, to where you want to go- someplace where you can build a great future.

Making a move, transitioning, taking action - it's easy to put it off, slide into complacency, or "wait until a better time".

We get that.

That's why we're here to help every stepof the way. It's all about you - and yourfuture.

“I joined Capital Mortgages 4 years ago after brokering with another firm for over 18 years. The level of support, client retention programs and office environment is fantastic.

Should have made the move years ago!”

www.capitalmortgages.com

A GREAT PLACETO PURSUE YOUR FUTURE.

Make an appointment with one of our team members today.careers@capitalmortgages.com

STEFAN KREPSKIOWNER - CPMB (MORTGAGE BROKER)

613-627-1055

PO KREPSKIOWNER - CPMB (MORTGAGE BROKER)

613-627-1056

RICHARD MORGANOWNER - CPMB (MORTGAGE BROKER)

613-627-1040

JASON KELLYSALES, TRAINING & RECRUITMENT MGR

613-627-1063

Brokerage #10575