The Opportunity

THE OPPORTUNITY WWW.PYRAMINEINVESTMENT.COM

WWW.PYRAMINEINVESTMENT.COM

Specializes in Home Co-Investment

35+ Years Real Estate Expertise

Investing Since 1988

Engineering Foundation for Realty Success

Projects Across Canada, Egypt

Founder of Makaan Wealth Companies

Leads Hany Adam Homes Group

CEO of Youmerit Holdings

Key Real Estate Investment Player

Focuses on Property Co-Finance

HANY ADAM

the information contained herein is intended for information purposes only and does not constitute an offer to sell or a solicitation to buy securities. no securities regulatory authority or regulator has assessed the merits of the information herein or reviewed the information contained herein. the income trust has prepared an offering memorandum for delivery to prospective investors that describes certain terms, conditions and risks of the investment and certain rights that you may have. you should review the om with your professional adviser(s) before making any investment decision. this email and the offering materials provided are intended for delivery only to, and participation in the investment is restricted to, investors who are able to make the representations set as described in the om and subscription agreement. use of projections the financial information on this page are management prepared financial forecasts of the trust. no independent party has reviewed, these projections or expressed an opinion or provided any other form of assurance with respect thereto for the purpose of this deck. these projections are for illustrative purposes only and should not be relied upon as being necessarily indicative of future results. The assumptions and estimates underlying the prospective financial information are inherently uncertain and are subject to a wide variety of significant business, economic and competitive risks and uncertainties that could cause actual results to differ materially from those contained in the prospective financial information. projections are inherently uncertain due to a number of factors outside of the partnership’s control. while all financial projections, estimates and targets are necessarily speculative, the partnership believes that the preparation of prospective financial information involves increasingly higher levels of uncertainty the further out the projection, estimate or target extends from the date of preparation. accordingly, there can be no assurance that the prospective results are indicative of future performance of the partnership or that actual results will not differ materially from those presented in the prospective financial information. inclusion of the prospective financial information in this deck should not be regarded as a representation by any person that the results contained in the prospective financial information will be achieved.

WHAT DOES INVESTMENT MEAN?

Understanding the Basics

Investment involves allocating resources, usually money, with the expectation of generating an income or profit. It's the act of committing funds or capital to an endeavor with the expectation of obtaining additional income or profit over time.

THE HISTORY OF INVESTMENT

A Brief Overview

Investment practices date back to ancient times, evolving from simple trade and barter systems to sophisticated financial instruments and markets. The concept of investing for profit has been a cornerstone of economic development throughout history.

Let’s Assume we have 2 scenarios!

Scenario 1 The client went to the bank Requesting a $10,000 loan to invest in BANK-OWNED MUTUAL FUNDS, such as the RBC Canadian Money Market Fund, Scotia Selected Portfolios, or CIBC Global Technology Fund.

Scenario 2 The same client is requesting an $800K - $1M mortgage for a house purchase.

What is the Banks' Responses to Different Loan Purposes: Scenario 1 Investment in Mutual Funds: Banks are likely to DECLINE a loan request meant for investing in their OWN mutual funds, even for relatively small amounts like $10,000.

Scenario 2 Mortgage for House Purchase: Banks are more inclined to approve larger loans, such as $800K - $1M, for the purpose of buying a house.

FACTS A Federal Reserve survey in 2020 found that 60% of banks reported tighter standards for securities-backed loans, versus only 15% reporting tighter standards for residential real estate loans.

Data from S&P Global shows banks are much more likely to turn down consumer loans for stock/mutual fund investing versus real estate investing. Approval rates for stock investing loans can be under 50%, compared to over 80% for real estate investment loans.

Nature of Investment

Reason

Investing in mutual funds carries a higher risk due to market volatility, while a property is a tangible asset that the bank can use as collateral.

Return and Security:

Mortgages provide a stable, long-term return for the bank and are secured by the property, minimizing the bank’s risk.

Risk Assessment & Management:

Banks adhere to strict lending regulations that favor SECURED loans like mortgages over UNSECURED investment loans.

Loans for mutual fund investments are seen as RISKIER, Mortgages are backed by real estate, offering banks a clear recovery path in case of default, unlike mutual fund investments.

Note: This analysis is based on general banking practices and may vary by institution. Always consult directly with a bank for specific lending criteria and financial advice.

1929 THE GREAT CRASH

1945 POST WORLD WAR 2

1962 THE KENNEDY SLIDE

1970 S TECH-STOCK CRASH

1987 BLACK MONDAY

2008 FINANCIAL CRISIS

86% IN 23 LOSSES

MONTHS

30% IN 85 LOSSES

MONTHS

28% IN 39 LOSSES

MONTHS

36% IN 31 LOSSES

MONTHS

34% IN 113 LOSSES

MONTHS

57% IN 132 LOSSES

MONTHS

1937 S

FED TIGHTINING

1958

EISENHOWER RECESSION

1966 THE VIETNAM WAR

1970 S STAGFLATION

1990 THE GREAT CRASH

2020 CORONA

60% IN 49 MONTHS

LOSSES

22% IN 13 MONTHS

LOSSES

22% IN 25 MONTHS

LOSSES

48% IN 32 MONTHS

LOSSES

49% IN 60 MONTHS

LOSSES

??

LOSSES

IN

??

MONTHS

REAL ESTATE INVESTMENT VEHICLES

Pros & Cons

Direct Ownership: Pros: Full control, potential for high returns.

Cons: Requires significant capital, active management.

REITs: Pros: Liquidity, passive income.

Cons: Less control, subject to market volatility.

Real Estate Funds: Pros: Diversification, professional management.

Cons: Management fees, less direct investment.

PYRAMINE REAL ESTATE INVESTMENT SHARIAH COMPLIANCE

Halal and Shariah Compliance

Ensuring Ethical Investments: Our Real Estate Investment is structured to comply with Islamic finance principles, avoiding interest (riba) and ensuring investments are made in halal (permissible) ventures, making it an attractive option for investors seeking Shariah-compliant opportunities.

CANADIAN DEFERRED FUND INVESTMENTS

An Overview

Deferred Investment Options: Canada offers several deferred fund investment options, allowing investors to grow their savings tax-free or tax-deferred, including Registered Retirement Savings Plan (RRSP), Tax-Free Savings Account (TFSA), and Locked-In Retirement Account (LIRA).

Registered Retirement Savings Plan (RRSP)

Tax-Free Savings Account (TFSA)

Allows Canadians to save for retirement on a tax-deferred basis, reducing taxable income.

Offers tax-free growth and withdrawals, providing flexibility for various savings goals.

Locked-In Retirement Account (LIRA)

Designed to hold pension funds that cannot be withdrawn until retirement, offering tax-deferred growth

1 Year

Type of Investment

Avg Annual Return

CDN 3 Month T-bills

5 Years

Value

Avg Annual Return

4.8%

$1,048

CDN Govt Bonds 1 to 3 years*

4.3%

CDN Govt Bonds Over 10 Years* S&P/TSX (CDN) Composite TRI 3

1 0 Years Value

Avg Annual Return

1.3%

$1,142

$1,101

1.5%

2.2%

$1,112

$1,112

11.1%

19.2%

$1,192

S&P 500 (US) TRI In (CDN)

23.3%

European Stocks Gross TRI in (CDN)

Nikkei 225 TRI, Nikkei Inc. (CDN)

2

Emerging Markets Stocks Gross TRI in (CDN) Canadian Consumer Price Index All Items 4

1

Value

Avg Annual Return

1.9%

$1,098

$1,043

1.9%

3.3%

$1,033

11.2%

20 Years

Since DEC. 31, 1979 44 Years

Value

Avg Annual Return

1.6%

$1,382

$1,160

1.9%

2.2%

$1.239

$1,694

7.5%

6.8%

$1,992

$1,233

15.0%

17.8%

$1,178

7.7% 3.4%

50 Years

Value

Avg Annual Return

5.0%

$8,444

$1,460

5.3%

3.0%

$1,798

$2,068

7.8%

8.7%

$2,303

$2,009

14.5%

9.1%

$1,543

$1,077

3.4%

$1,034

3.5%

Since DEC. 31, 1949 74 Years

Value

Avg Annual Return

Value

5.4%

$13,868

4.8%

$31,541

$9,710

5.7%

$15,816

5.2%

$43,699

6.3%

$14,505

6.6%

$24,617

6.1%

$81,537

$4,456

8.8%

$40,146

9.2%

$81,350

n/a

n/a

6.3%

$3,409

6.7%

$17,166

n/a

n/a

n/a

n/a

$3,873

9.4%

$6,007

12.1%

$154,852

11.8%

$266,182

11.8% $3,853,444

7.1%

$1,1977

6.0%

$3,207

10.1%

$68,137

10.5%

$146,666

n/a

n/a

$1,184

5.3%

$1,679

6.9%

$3,793

n/a

n/a

n/a

n/a

n/a

n/a

1,187

2.6%

$1,290

2.2%

$1,534

3.2%

$3,957

3.9%

$6,704

3.5%

$12,991

* Note that the average annual return on bonds is the average yield if the bonds are held to maturity.

(1) For Emerging Markets, the earliest data that we have is December 31, 1987. The average annual return in Canadian dollars for emerging markets for the 36 years from 1987 to 2023 is 9.5%. $1,000 invested at the end of 1987 would have a value of $26,340 Canadian at the end of 2023.

(2) The Nikkei 225 Total Return Index (TRI) year end factors in yen are used with the permission of Nikkei Inc. to calculate the above results. Recent Nikkei year end factors are available on the Nikkei website. The earliest data that we have is December 1979, when the Nikkei 225 TRI was started. The average annual return in yen for the Nikkei 225 TRI for the 43 years from 1979 to 2023 is 5.1%. 1,000 yen invested at the end of 1979 would have a value of 8,936 yen at the end of 2023.

(3) Some of the earlier S&P/TSX Composite Index Total Return data is from Libra Investment Management Inc., sourced from the Canadian Institute of Actuaries. Data for recent years is from the Financial Times website. Historical data is also available from Investing.com.

(4) Now using December 2023 CPI of 158.3. The November 2023 CPI was 158.8. The Annual CPI increase is not the average increase per year, but is the increase from December to December.

Starting Amount

70000.00

Principal Return of Investment

60000.00

Balance

Duration

50000.00 Return Rate

Total Contributions

40000.00 30000.00 Starting Amount Total Contribution

20000.00 Total Return on Investment End Balance

Return on investment

10000.00 0.00

0Y

2.5 Y

5Y

7.5 Y

10 Y

Starting Amount

100000.00

Principal Return of Investment

Duration

80000.00

Return Rate

60000.00

Total Contributions

40000.00

Balance

Starting Amount Total Contribution

Total Return on Investment End Balance

Return on investment

20000.00

0.00

0Y

2.5 Y

5Y

7.5 Y

10 Y

Starting Amount

200000.00

Principal Return of Investment Balance

Duration

150000.00

Return Rate

100000.00 Total Contributions

Starting Amount Total Contribution

Total Return on Investment End Balance

50000.00

0.00

Return on investment

0Y

2.5 Y

5Y

7.5 Y

10 Y

REAL ESTATE INCOME TRUST (REIT) Secured by Physical Assets

Introduction to REITs REITs allow individuals to invest in large-scale, income-producing real estate. A key advantage of REITs is that they are backed by real, tangible assets, providing a layer of security to investments.

ABOUT PYRAMINE INVESTMENT www.pyramineinvestment.com

Introducing Pyramine Investment Pyramine Investment Inc. specializes in real estate investment, offering innovative solutions like equity shared, co-finance, and development funds.

Our approach targets substantial returns on investment, focusing on sustainable and profitable real estate projects.

PYRAMINE'S INVESTMENT FUNDS

EQUITY SHARED AND CO-FINANCE FUNDS These funds allow investors to participate in real estate projects with shared equity or through co-financing arrangements, spreading risk and potential rewards.

DEVELOPMENT FUND Focused on financing the development of new real estate projects, offering investors the opportunity to contribute to and benefit from the growth of the property market.

EQUITY SHARED AND CO-FINANCE FUNDS

Purchasing a house is a major financial choice that you'll probably encounter in your life. It's crucial to grasp all the stages of this process, and copurchasing with Pyramine is no exception.

As your Equity Financing associate, we aim to ensure that you comprehend the implications of our joint investment both presently and in the future when you opt to sell. Let's go through a hypothetical scenario together.

LET’S SAY WE EQUITY FINANCING A

$1,000,000 HOME

$1,000,000 THE DOWN PAYMENT

YOUR MORTGAGE WILL BE FOR

$200,000

$800,000

(20% OF THE HOME VALUE)

(80% OF THE HOME’S VALUE)

IF YOU CONTRIBUTE $80,000 (8% OF THE HOME VALUE) PYRAMINE CONTRIBUTES $120,000 (12% OF THE HOME VALUE)

: 40 60 EQUITY SPLIT IN THE HOME’S FUTURE

Home buyer $80,000 8 %

DOWN PAYMENT

20%

PYRAMINE $120,000

12%

40%

MORTGAGE

80%

HOME PURCHASE PRICE $1,000,000

2D O0W% N

PAYMENT CONTRIBUTION

Home buyer

PYRAMINE

60%

Now, let’s fast forward a few years to when you decide you’d like to sell/refinance the home. The home value appraise for $1,500,000, and over the time you’ve lived in the home you’ve paid off $100,000 of the mortgage principal.

Once the home is sold/refinance, the bank will receive the first payment.

Subsequently, any mortgage principal payments made by the co-owner will be reimbursed to them from the sale proceeds.

It's worth noting that the co-owner will be accountable for the closing costs.

However, based on the home's appreciation rate, they might qualify for a selling bonus that can assist in covering a portion of their closing costs.

Upon completion of any final revisions, we will distribute the remaining funds based on our equity distribution. You will receive your mortgage payments along with the appreciated value of your initial down payment, while Pyramine will obtain the appreciated value of their down payment contribution.

*

$700K $1.5M Appraised value

less

$700K Remaining mortage

$800K net Proceeds less $100K Return of the Mortage Principal $700K Net Appreciation * **

Closing costs,less applicable Selling Bonus,are paid by the co-owner Net apreciation is shared according to the Equity Split

Net Appreciation*

40 : 60 $ 2 8 0 , 0 0 0 60% $ 4 2 0 , 0 0 0 40% equity split equity split + Mortgage Principal $100,000

= TOTAL

= TOTAL

FUND RECIEVED**

FUND RECIEVED

$380,000

$420,000

DEVELOPMENT FUND

CHATHAM - KENT 460 KEIL DR S

COMMISSIONER BUILDING

CHATHAM - KENT 460 KEIL DR S

Multi-family Units

M

M

M

M

M

CAR-FRIENDLY SCORE 100 TRANSIT SCORE

60

PARKS SCORE

90

71.5%

3.5

RETURN ON INVESTMENT6 (3.5 YEARS)

YEAR PROJECTED TIME FRAME

$25.000 FUNDS MINIMUM INVESTMENT

REGISTERED PLAN ELIGIBLE (RRSP, TFSA, RESP, LIRA, RRIF) COFFEE SHOP

270

GROCERY STORE

260 500

WALK SCORE

60

PHARMACY

DINING SCORE

88

MOVIE THEATRE

700

DOWN TOWN

900

COMMISSIONER BUILDING

CAR-FRIENDLY SCORE 100 TRANSIT SCORE

80

PARKS SCORE

90

WALK SCORE

90

DINING SCORE

88

71.5%

3.5

RETURN ON INVESTMENT6 (3.5 YEARS)

YEAR PROJECTED TIME FRAME

$25.000 FUNDS MINIMUM INVESTMENT

REGISTERED PLAN ELIGIBLE (RRSP, TFSA, RESP, LIRA, RRIF) COFFEE SHOP

270 M

GROCERY STORE

160 M

PHARMACY

1M

MOVIE THEATRE

7M

DOWN TOWN

10 M

TARGET RETURNS

18-20% ROI *

Aiming for an 18-20% return on investment, Pyramine Investment Inc. sets a high benchmark for performance, seeking to exceed investor expectations through strategic real estate investments.

We are accepting all kind of funds including RRSP, TFSA, LIRA,....etc *See OM for Details

Q&A

WWW.PYRAMINEINVESTMENT.COM

Canada Office

1-647-564-4000 Info@pyramineinvestment.com 201-30 Eglinton Ave W, Mississauga, ON L5R 3E7

UAE Office BOOK A FREE CONSULTATION

+971 056 842 1111 Info@pyramineinvestment.com AL KHABEESI BUILDING PLOT 128-246 - Unit M6-279, Dubai, UAE

THANK YOU WWW.PYRAMINEINVESTMENT.COM

Canada Office

1-647-564-4000 Info@pyramineinvestment.com 201-30 Eglinton Ave W, Mississauga, ON L5R 3E7

UAE Office BOOK A FREE CONSULTATION

+971 056 842 1111 Info@pyramineinvestment.com AL KHABEESI BUILDING PLOT 128-246 - Unit M6-279, Dubai, UAE