Urby - How much do you know?

1. What can you do on Urby?

• 1. Buy entire properties 

• 1. Buy bite-sized profit-share contracts of the property

• 1. Invest in a REIT

• 1. Get a home loan

What does Property Notes represent? 

• 1. A share of profits when the property is sold or bought back

• 1. A share of the property itself (i.e., equity)

• 1. A share of a home loan that entitles you to some of its monthly repayments

• A share of an asset holding company that holds the property

When you own Property Notes through Urby, which of the following statements best describes your rights and liabilities?

• I have the right to live in the property, receive rental income, and I am responsible for any maintenance or property taxes.

• 1. I do not have the right to live in the property or receive rental income, but I share in the profits when the property is sold or when the homeowner buys back the equity. I am not liable for property-related risks such as maintenance or taxes.

• 1. I am a part-owner of the property, meaning I have partial rights to the property and am partially responsible for its upkeep and any associated costs.

• 1. I can profit from it when the property is rented out, and I am liable for the rental agreement and renovation costs.

1. How can you make money on Urby? 

• 1. By holding onto the shares until the property is sold

• 1. By selling the shares on Urby’s secondary market

• 1. By renting out the property 

• By selling it for a higher price on other investment platforms

1. What happens if you sell your shares on Urby’s secondary market? 

• 1. You’re guaranteed to make a profit

• 1. You might make a profit 

• Your sale is unaffected by market conditions

• 1. You might sell at a loss

1. Is Urby regulated by the Securities Commission?

• 1. No, and they don’t plan to be

• 1. No, but they are pursuing regulation

• 1. Yes, Urby is regulated by the SC!

1. Where is your money held when you deposit into Urby?

• 1. In a trustee account

• 1. In Urby’s corporate account

• 1. In Chaly's bank account

• 1. In high-interest savings accounts

1. What are the risks involved in investing with Urby?

• 1. You may not be able to sell your shares immediately.

• 1. You may have to hold your shares for an extended period before realizing any profits, as the decision to sell or buy back the property lies with the homeowner, not UrbanWave.

• 1. Urby is not regulated by the Securities Commission.