The Opportunity

35+ Years Real Estate Expertise

Engineering Foundation for Realty Success

Founder of Makaan Wealth Companies

CEO of Youmerit Holdings

Focuses on Property Co-Finance

Specializes in Home Co-Investment

Investing Since 1988

Projects Across Canada, Egypt

Leads Hany Adam Homes Group

Key Real Estate Investment Player

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.

Reason

Nature of Investment

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.

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

Return and Security: 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.

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)

Locked-In Retirement Account (LIRA)

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.

Designed to hold pension funds that cannot be withdrawn until retirement, offering tax-deferred growth

*

that

(1) For Emerging Markets, the earliest data that we have s December 31, 1987 The average annual return n Canadian dollars for emerging markets for the 36 years from 1987 to

is 9 5% $1,000 invested at the end of 1987 would have a value of $26,340 Canad an at the end of 2023

(2) The Nikkei 225 Total Return Index (TR ) year end factors n yen are used with the permission of N kke nc to calculate the above results Recent N kke year end factors are available on the Nikkei website The earliest data that we have s December 1979, when the N kkei 225 TRI was started The average annual return in yen for the N kke 225 TRI for the 43 years from 1979 to 2023 s 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 Canad an Institute of Actuaries Data for recent years is from the Financial T mes website Histor cal data is also available from nvest ng.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

Total Contribution

Starting Amount

Total Contribution

Return on investment

Starting

Total Contribution

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.

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

P u r c h a s i n g a h o u s e i s a m a j o r f i n a n c i a l c h o i c e t h a t y o u ' l l p r o b a b l y e n c o u n t e r i n y o u r l i f e . I t ' s c r u c i a l t o g r a s p a l l t h e s t a g e s o f t h i s p r o c e s s , a n d c op u r c h a s i n g w i t h P y r a m i n e i s n o e x c e p t i o n . A s y o u r E q u i t y F i n a n c i n g a s s o c i a t e , w e a i m t o e n s u r e t h a t y o u c o m p r e h e n d t h e i m p l i c a t i o n s o f o u r j o i n t i n v e s t m e n t b o t h p r e s e n t l y a n d i n t h e f u t u r e w h e n y o u o p t t o s e l l . L e t ' s g o t h r o u g h a h y p o t h e t i c a l s c e n a r i o t o g e t h e r .

$1,000,000

(20%OFTHEHOMEVALUE)

$200,000 (8%OFTHEHOMEVALUE)

IFYOUCONTRIBUTE $80,000

PYRAMINECONTRIBUTES $120,000

(12%OFTHEHOMEVALUE)

$800,000 YOURMORTGAGEWILLBEFOR THEDOWNPAYMENT

(80%OFTHEHOME’SVALUE)

40 : 60

EQUITYSPLITINTHEHOME’SFUTURE

4 0 %

6 0 %

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.

DEVELOPMENT FUND

CHATHAM - KENT

460 KEIL DR S COMMISSIONERBUILDING

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