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*Average projected gross annual returns represent the average projected gross annual return for each funded offering to date. Projected “gross current return” represents the portion of the projected gross annual return that is projected to be paid current, while the remainder of the projected gross annual return is projected to accrue. Past performance is no guarantee of future results and may not reflect potential deductions for fees which may reduce actual realized returns. Any historical returns may not reflect actual future performance and any investor on Totem may experience different results from those shown. Projected Terms are based upon the anticipated redemption or maturity date of the corresponding project investment. All securities offered on Totem involve risk and may result in loss. This overview does not constitute an offer to sell or a solicitation of an offer to make an investment (the “Investment”) herein. No such offer or solicitation will be made prior to the delivery of definitive documentation relating to the matters herein. Before making an investment decision with respect to the Investment, potential investors are advised to carefully read the related subscription and offering memorandum documents (the “Documents”). Further, potential investors are advised to consult with their tax, legal and financial advisors. This overview contains a preliminary summary of the purpose and principal business terms of the Investment. This summary does not purport to be complete and is qualified in its entirety by reference to the more detailed discussion contained in the actual text of the Documents. Some of the statements contained herein are forward-looking statements. You should not rely upon forward-looking statements as predictions of future events. These statements involve known and unknown risks, uncertainties, and other factors that may cause the project’s actual results, levels of activity, performance, or achievements to be materially and adversely different from any future results, levels of activity, performance, or achievements expressed or implied by these forward-looking statements. Investors should factor in a projected default rate of 5-10% over a portfolio with a minimum of 20 investments. In some cases, you can identify forward-looking statements by terminology such as “may,” “will,” “should,” “expects,” “plans,” “anticipates,” “believes,” “targeted,” “projected,” “underwritten,” “estimates,” “predicts,” “potential,” or “continue” or the negative of these terms or other comparable terminology. These forward-looking statements include, but are not limited to, statements concerning the company, property, risk factors, plans and projections. Although the issuer believes that the expectations reflected in the forward-looking statements are reasonable, guarantees of future results, levels of activity, performance or achievements cannot be made. Moreover, neither the issuer nor any other person or entity assumes responsibility for the accuracy and completeness of forward-looking statements. No person or entity is under any duty to update any of the forward-looking statements to conform them to actual results. Except as required by law, neither we nor any other person assumes responsibility for the accuracy and completeness of the forward-looking statements. We undertake no obligation to update publicly any forward-looking statements for any reason to conform these statements to actual results or to changes in our expectations. Disclaimer: Neither the SEC nor any federal/provincial securities commission or regulatory authority approved, passed upon or endorsed the merits of any offering from Totem.