TITAN was founded on a commitment – to provide investors, large and small, with excellent returns, security and simplicity. From the beginning, I pledged to establish and maintain a business that would provide outstanding real estate investment opportunities, previously available only to large investors and now to smaller ones as well.

Thus, our Pooled Mortgage Investment product, or PMI, is available for investment for as little as $25,000. Our PMI is truly unique, offering a fully funded interest reserve held by a third party. Our TREAD Note is a retail investment product for sophisticated investors interested in double-digit returns. Secured by a pledge against the real estate, it’s the leading product in its field.

We have a wide variety of products – offering stable generous returns – for a diverse clientele. From the outset, TITAN has operated with a focus on trust, tenacity and transparency. We take the lead in all of the projects in which we participate, giving us autonomy and full control, and providing us with the power and flexibility to structure our products in favour of the investor. We’re absolutely tenacious in acquiring the best real estate opportunities. In fact, we’ve become the partner of choice for mid-size and small builders who are often overlooked by other firms. As a result, we have some of the most attractive locations in the GTA, and across Ontario. Transparency is integral to the way we do business. It’s the only way to do business!

Investing in real estate should be a relatively straightforward affair. However, over the years, it’s become unnecessarily complex and complicated for potential investors, especially smaller investors. TITAN has changed all that. Our investments are an open book, and we welcome you to turn the pages.

We’ve long believed in the value and opportunity in real estate. That belief, and the commitment to give back to the communities in which we invest, represents the core of what – and who – we are.

as the President of TITAN Equity Group Ltd., I’m proud to tell the story of our innovative real estate investment and development company.

Lance KottonPresident & C.E.O

Sincerely,

has been a vision of our founder for well over a decade and was finally established in May 2012. It is wholly owned by Executive Leasing Capital Corp. During this time, TITAN Equity Group has been recognized within the mortgage industry as the go-to source for pooled mortgage investments. The extensive editori-al published in CMP Magazine (the industry standard publication) has been well received and regularly referenced.

Our mission is to provide profitable growth through:

TRUSTTRANS-

PARENCYTENACITY

What TITAN brings to the table is:

customer service

TITANEQUIT YGROUP

commitment

superior real estate investment

innovation

Develop and execute a comprehensive marketing and editorial campaign with the help of industry & consumer publications.

Further secure existing and new clientele with a combination of industry leading prod-ucts and lucrative development projects.

Adopt and embrace social media best practices, within daily business activives, helping to keep the brand top of mind.

Conduct frequent educational seminars for industry professionals concentrating in areas such as:

product compliance

industry standards

productexcellence

To bring increased awareness and edu-cation to the pooled mortgage investment product as a viable and healthy investment alternative for Canadian familes

To further develop and bring to the market additional asset backed investment vehicles to service a diverse base of clientele

To broaden existing presence in the UK and parts of Europe and China

To capture additional Canadian market share:- 20% per year for the next 5 years.

To heighten the recognition of the TITAN brand nationally and globally.

GOALS &OBJECTIVES

BUSINESSSTRATEGIES

TITAN’s Pooled Mortgage Investment (PMI) is confidently the most secure investment found in real estate today. Offering contractual returns and defined terms, we’re confident that the more you learn, the more excited you’ll be with TITAN PMI.

Here’s a peek at the features that come with a TITAN PMI:

• Contractual returns •Nomarketdependantreturns •Project’sreturnvaryonyourchoiceofproject.Generally offer between 8 and 12% annual interest

• Defined terms •Projectsoffertermsbetween1and5years

• Cash and Registered funds eligible •RRSP,RESP,LIRA,LIF,RIF,andTFSAeligible

• Fully funded interest reserve held in 3rd party trust •Wearetheonly company offering an interest reserve for the •entire duration of a project

• 3rd party administrator retained to ensure all interest payments are made on time

•Administratoractsonbehalfofinvestors,notTITAN

• Direct mortgage registration, on title at the land registry •Eachparticpantislistedindividuallyontitleasapartialowner •of the mortgage

• Interest paid monthly, offering clients a monthly cash flow

• Complimentary Independent Legal Advisory session prior to clients signing their documents

• Closed by a licensed mortgage agent

• No setup or management fees with TITAN Equity Group

PRODUCTS

PooledMortgage

Investment

There are generally two kinds of people in the investment arena, those who want to maximize investment security, and those looking to maximize return-on-investment. At TITAN Equity Group, investors can have both. TITAN is proud to offer a suite of products to suit all investors by providing “true” security, rather than the “perceived” security that is often found in the marketplace… and the proof is in the fine print.

The concept of combining the buying power of collective investors is not new. For decades, investment opportunities have been available exclusively to higher-income earners able to invest in large amounts. We introduce a retail investment product for the more knowledgeable investor interested in double-digit returns on AAA Canadian real estate development projects - the TREAD note by TITAN Equity Group. With that, only one question remains: “Are you TREADing towards your financial goals?”

Here are a few key characteristics on the TREAD note:

• Contractual returns •Notmarketdependantreturns •Project’sreturnvarywiththeprojectyouchoose.Generallyoffer between 12 and 14% annual interest

• Defined terms •Someshorttermprojects,somewithlongerterms •Dependingontheproject,wegenerallyofferbetweenterms •that are 1-5 years in length

• Cash and Registered funds eligible (RRSP, RESP, LIRA, LIF, RIF, TFSA)

• Interest and principal paid at maturity

• Ability to combine cash and registered funds into one investment vehicle

• Accredited Investors may invest $50,000 minimum• Non-accredited investors may meet the exemption with $150,000

minimum.

• Closed by a licensed Exempt Market Dealer

• No setup or management fees with TITAN Equity Group

TREADNote

How safe is a pooled mortgage investment? What are the risks?

Like anything in life, an element of risk is present. With TITAN’s products, we follow a stringent due diligence process in order to ascertain if a project is worthy of presenting to our valued clients. Measures are taken to mitigate risk including: project appraisals, performed by independent, industry certified consultants, fully funded interest reserves, and 3rd party fund management.

What are the fees involved?

TITAN charges no fees. A schedule of the Trustee fees associated with having a self-directed account for your registered funds can be found online at olympiatrust.ca or in their account opening package; however, if investing with cash, you will not have these fees.

The Independent Legal Advice (ILA) service is provided to you at no cost and you are also welcome to utilize your own legal services to guide you through the documentation.

Where is the interest coming from?

At the onset of the project, TITAN sets aside an interest reserve fully funded for the full term of the project in a 3rd party trust account. This reserve allocates sufficient funds to pay the interest due to all participants of the pooled mortgage of that project for the entire term of the mortgage.

What is an ILA?

ILA is an acronym for Independent Legal Advice. After submitting an application to be part of a pooled mortgage raise for any one of our projects, your legal documentation is sent to you for your own personal review. An ILA appointment is then set up at a location of your convenience to review all the legal documentation and provide answers to any questions you may have. This service is provided for all participants of our pooled mortgages at no cost to you.

What does Loan to Value (LTV) mean?

LTV is an acronym for Loan-To-Value and it is a ratio measuring the total mortgages as a percentage of the total current appraised value of the property. For example, if a property is appraised at $100,000 and has a mortgage of $80,000, the property has a 80% LTV.

LTV is one of the factors an investor should be looking at when assessing risk and if the investment is the right fit for them.

When and how will I get my money back on/after the maturity date?

Investors will get a notification that their investment is up for maturity well before the end of term. At that point, investors will be presented with several options including the opportunity to re-invest their money in another TITAN project. Generally if an investor chooses to be paid out, they will receive their money within 30 days of the maturity date.

This applies to both PMI & TREAD Notes.

Who and what is an EMD?

An EMD is an acronym for “Exempt Market Dealer”. EMD’s are provincially registered to complete transactions in the exempt market. Such as a mortgage agent finalizes a mortgage transaction, an EMD finalizes an exempt market product transaction. Given that our TREAD Note is an exempt market product, we have collaborated with a collection of highly reputable EMD’s to ensure proper compliance and due diligence is realized by each of our investors throughout the process.

What is an Accredited Investor?

An accredited investor is recognized as having high investment knowledge due to their financial achievements or otherwise suitable criteria as outlined in National Instrument 45-106. There are many ways for an individual or a corporation to qualify as an accred-ited investor. The most common are 1) Net worth of $1,000,000 financial assets (not including real estate), 2) Net worth of $5,000,000 of fixed and financial assets (including real estate), 3) Personal income of at least $200,000 for the past two years, with rea-sonable expectation for the income to remain for the following year, 4) Personal income including spousal income of $300,000 for the past two years, with reasonable expecta-tion for the income to remain for the following year, and/or 5) A person registered under the securities legislation of a jurisdiction of Canada, as an adviser or dealer. Please refer back to instrument 45-106.

Why does the TREAD Note offer a higher return?

The TREAD Note is considered a higher risk than PMI investments because of two primary reasons; firstly, because the investment is not secured by way of a mortgage; and secondly, because there is no interest reserve set aside for the interest payments. It’s important to note that while the TREAD note typically is not secured by a mortgage, it falls second only to mortgages secured against the property, which includes the TITAN PMI, and the construction financing, so this investment could be reasonably considered as a 3rd position on the property and takes priority over all subsequent positions or charges. Also, the interest payable on the TREAD note is paid at maturity. As such; there is no need for an interest reserve, as an investor’s interest and principle will be returned in full upon the maturity of their investment.

Locating properties in which to invest can involve substantial work and competition:

• Identifying the property• TITAN due diligence: •EnvironmentalReports-both

level I and II •Soiltests •Municipaldiscussions •Preliminaryzoningandsiteplans •Applicationfees •3rd party appraisal• Acquire the property if due diligence

results are positive

Rarely will real estate investors pay the entire amount of the purchase price of a property in cash. Usually, a large portion of the purchase price will be financed using some sort of financial instrument or debt, such as TITAN’s Pooled Mortgage Investment - a mortgage loan secure by the property itself; or TITAN’s TREAD Notes, a debt instrument secured against the property.

The amount financed by TITAN’s own capital, is referred to as equity and makes up the portion of the purchase price not financed through the PMI nor TREAD Notes.

• Official re-zoning & site plan application• Work with architects, designers, and engineers to

ensure the architecture is properly designed• Traffic studies• Density maximization

6-12 months:• Preparation of materials for site plan application• Submission and circulation of site plan application• Submission and circulation of zoning bylaw• Toronto and Region Conservation Authority (TRCA)

submissions

12-18 months:• Preparation of draft plan of subdivision for application• Public meetings• Final application of zoning bylaw• Registration of site plan

• Begins when full approved zoning and site plans have been obtained

• Pre-Sales now open to the public• Construction financing is secured

• Occupancy has begun• All investors are paid out in full• TITAN earns the profit and re-invest

capital into the next project

SOFT COSTS:

These costs are incurred by the project owners, consultants and contractors. They are also referred to as indirect costs:

• Finance Charges• Taxes• Insurance• Building Permit/Municipal Charges• Consultant Fees• Legal & Administration application fees• Environmental Report• Preliminary Zoning• Tarion• Sales Commissions• Sales Office• Financing: o Construction interest o Construction financing commitment fee o Construction financing broker fee o Legal - financing (Borrower) o Legal - financing (Lender) o Mezzanine financing fee & interest o Project monitoring o Other financing charges o Letters of credit (fees)• Development Management Fees • Marketing & Advertising

HARD COSTS:

These costs are directly related to construction:

• Labour• Materials• Equipment• Construction• Appliances• Site Work and Services• Demolition• Soil Remediation• Neighbour Inducement• Construction Management• Construction Bonding• Residential Warranty Provision• Cost Sharing of site services outside site boundary• Widening of Street• Municipal Connections• Hydro Installation Charges• Construction Contingency

TITAN Gives Back was created to encourage the support of charities, not-for-profit organizations and community groups. Having charity awareness creates a desire to help others and by this, enables us to think of ways and means to build bridges to deliver the mission and thus, reach a certain goal of fulfillment and hope to improve and change lives by giving back.

Our objective at TITAN Gives Back is to bring awareness and understanding of the various charities and foundations within the GTA and abroad. Programs that target children, families and communities, education, and animal rescue are a top priority for us. We encourage all those in the TITAN community to be inspired as we jointly give time, hope and a hand up.

For further information, please visit www.titangivesback.com