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Generation Mining Limited Fund Information / Factsheet 2025
47559_rns_2025-06-17_b13190b7-e4f9-4bdb-a09c-b88f813d726c.pdf
Fund Information / Factsheet
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ROYAL CANADIAN
MORTGAGE INVESTMENT CORPORATION
INVESTOR OVERVIEW SHEET
JUNE 16, 2025
ROYAL CANADIAN
COMPANY OVERVIEW
Royal Canadian MIC was established in 2013. We are a private lender that specializes in providing loans on residential real estate properties across Ontario. Royal Canadian MIC offers eligible investors an opportunity to participate in a diversified portfolio with long-term, consistent returns.
HISTORICAL RETURNS
OUR PORTFOLIO
- Lending Areas GTA, Ontario
- Maximum Lending Value 85%
- Maximum Mortgage Amount 10% of Portfolio
Effective June 1, 2025
- Total Mortgage Portfolio $58,640,942.99
- Average Mortgage Rate 10.88%
- Average Mortgage amount $297,669.76
- Average Lending Value 64.90%
INVESTMENT STRATEGY
- Our real estate portfolio is exclusively focused on properties in areas that are considered highly marketable, primarily lending within the GTA/surrounding.
- 1st and 2nd mortgages. Interest only, primarily one year terms.
- We only deal with licensed mortgage agents/brokers.
- We work with a select group of appraisers from our approved list to ensure assessments are of fair market value. Property appraisals must be no more than 30 days old.
- All mortgages must be approved by a minimum of 2 signing officers, mortgage managers.
- All mortgages must have title insurance coverage.
- By each of our Principals investing alongside our shareholders, we have a vested interest in carefully managing the risks associated with the mortgages we choose to invest in.
TYPICAL BORROWER
- Self-employed
- New immigrants that have limited credit history in Canada
- Borrowers looking to consolidate debt
- Bridge financing
USE OF PROCEEDS
All proceeds from the Offering (after deducting the costs of issue, described under "The Offering") will be used by the Company to acquire Authorized Investments. See "Use of Proceeds".
ROYAL CANADIAN
RRSP, LIRA, TFSA Eligible
Stable investments with lower volatility
Monthly Cash Distributions
Shareholders Are Our Partners
Capital Preservation
COMMON INVESTMENT OFFERING
| Issuer | Royal Canadian Mortgage Investment Corporation |
|---|---|
| Securities Offered | CAD $ Common Class A, B |
| Price Per Security | $1.00 |
| Minimum Subscription | Class B $25,000 or Class A $250,000 |
| Maximum Subscription | CAD $100,000,000 (100,000,000 Shares) |
| Eligible For Registered Plans | RRSP, TFSA, RRIF, Spousal RRSP |
COMMON INVESTOR RETURNS
| Investor Target Return Effective June 1, 2024 | 8.50% (Please note, this is dependent on market rate/conditions and may be adjusted accordingly) |
|---|---|
INVESTMENT SUMMARY
| Asset Type | 1st and 2nd Residential Mortgages |
|---|---|
| Distributions | Monthly |
| Distribution Taxation | Interest Income |
| Dividend Reinvestment | Available |
FEE SCHEDULE
| Mortgage Manager Administration Fees | 2% Per Annum, Paid Monthly |
|---|---|
| Early Redemption | The Early Redemption schedule is provided on the following page. |
| Redemption Fee | $200 - Applicable to all redemption requests |
ROYAL CANADIAN
SHAREHOLDER EARLY REDEMPTION SCHEDULE
| Common Class | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| Class A | 4.00% | 2.70% | 1.40% | 0.00% | 0.00% |
| Class B | 6.00% | 4.80% | 3.60% | 2.40% | 1.20% |
*Please refer to the Offering Memorandum for full redemption terms and rights.
ROYAL CANADIAN MORTGAGE INVESTMENT CORPORATION
📞 647-360-0783
📧 [email protected]
🌐 www.royalcanadianmortgage.com
📍 6 Ronrose Dr. Suite #301
Vaughan, Ontario L4K 4R3
DISCLAIMER & FORWARD-LOOKING STATEMENTS
This brochure is for general information purposes and does not constitute a solicitation to buy or an offer to sell securities, nor shall it form the basis of an act as any inducement to enter into a contract or commitment. Any offerings of securities will be conducted using applicable provincial security offering documentation. Private Capital Market securities are considered high risk and for qualified investors only. Investors must consult one of our registered Dealing Representative for product suitability and receipt of the applicable securities Confidential Offering Document. This document is provided for information purposes only, you are notified that disclosing, copying, distributing, or taking any action in reliance on the contents of this information is strictly prohibited. This document does not provide disclosure of all information required for an investor to make an informed investment decision. Investors should read the offering memorandum, especially the risk factors relating to the securities offered, before making an investment decision." An additional legend to the following effect is recommended: "No securities regulatory authority or regulator has assessed the merits of the Shares offered in this Offering. You may lose all of your investment. You are advised to consult with your own legal and financial advisors as to the complete details of the Shares, the Offering, this Offering Memorandum and the Subscription Agreement."
Any forward-looking statements that are contained herein involve a number of risks and uncertainties. Should one or more of these risks materialize, or should assumptions underlying the forward-looking statements prove incorrect, actual events or results might differ materially from events or results projected or suggested in these forward-looking statements. Prospective investors should review the risks relating to an investment in the Offering with their legal and financial advisors.