CT Real Estate Investment Trust
Annual Report 2023

Plain-text annual report

2023 ANNUAL REPORT reliable. durable. growing. TEN YEARS1 OF STEADY GROWTH & FINANCIAL STABILITY ADDED 117 PROPERTIES TOTALLING 11.4M SQUARE FEET INVESTED APPROXIMATELY $2.6B ACROSS 126 ACQUISITIONS 22 DEVELOPMENT/ REDEVELOPMENT PROJECTS 108 INTENSIFICATIONS AND ONGOING DEVELOPMENTS 7.03% CAGR NET OPERATING INCOME (NON-GAAP)2 5.67% CAGR AFFO PER UNIT DILUTED (NON-GAAP)3 4.66% CAGR NET ASSET VALUE (NAV) PER UNIT4 LEVERAGE FROM 49.8% TO 41.1% AND IMPROVED CREDIT METRICS 131.2% TOTAL RETURN EXCEEDED THE TOTAL RETURN OF THE TSX COMPOSITE OF 99.7% AND THE TSX CAPPED REIT INDEX OF 62.2% RATE OF DISTRIBUTIONS BY 38% AFFO PAYOUT RATIO3 FROM 95% TO 74.8% DESPITE INCREASING DISTRIBUTIONS AT LEAST ONCE EVERY YEAR SINCE IPO 1 From IPO October 23, 2013, to September 30, 2023. 2 Non-GAAP fnancial measure. Refer to Section 10.1 of the REIT’s 2023 Management s Discussion & Analysis included in this Annual Report. ’ 3 Non-GAAP ratio. Refer to Section 10.2 of the REIT’s 2023 Management s Discussion & Analysis included in this Annual Report. ’ 4 NAV/unit is equivalent to GAAP book value per unit. COVER PHOTO: New 350,000 square foot net zero distribution centre in Calgary, AlbertaFEATURED ON THIS PAGE: Canadian Tire Store, Orillia, Ontario I ANNUAL REPORT 2023 MA NAGEMENT’ S D I SCU SSI O N AN D ANALYSIS Table of Contents CT REIT Q4 AND FULL YEAR 2023 Forward-looking Disclaimer 1.0 Preface 1.1 Basis of Presentation 1.2 Defnitions 1.3 Accounting Estimates and Assumptions 1.4 Quarterly and Annual Comparisons in this MD&A 1.5 Currency and Rounding 1.6 Key Operating Performance Measures and Specifed Financial Measures 1.7 Review and Approval by the Board of Trustees 1.8 Nature and Formation 2.0 Growth Strategy and Objectives 3.0 Summary of Selected Financial and Operational Information 4.0 Portfolio Overview 2023 Investment Activities 4.1 Portfolio Profle 4.2 Revenue by Region 4.3 Six Largest Urban Markets 4.4 Fair Value of Portfolio of Properties 4.5 4.6 Development Activities 4.7 4.8 Lease Maturities 4.9 Top 10 Tenants Excluding CTC Related Tenancies 4.10 Leasing Activities 4.11 Recoverable Capital Costs Investment and Development Funding 5.0 Results of Operations 5.1 Financial Results for the Three Months and Year Ended December 31, 2023 5.2 Non-GAAP Financial Measures and Non-GAAP Ratios 6.0 Liquidity and Financial Condition 6.1 Liquidity 6.2 Discussion of Cash Flows 6.3 Credit Ratings 6.4 6.5 6.6 6.7 Class C LP Units Indebtedness and Capital Structure Interest Coverage Ratio Indebtedness Ratio 1 2 2 2 2 2 3 3 3 3 4 5 6 6 8 8 9 11 12 13 14 15 15 15 16 16 20 22 22 23 23 24 26 27 27 II ANNUAL REPORT 2023 MA NAGEMENT’ S D I SCU SSI O N AN D ANALYSIS Table of Contents CT REIT Q4 AND FULL YEAR 2023 CONTINUED 6.0 Liquidity and Financial Condition (continued) 6.8 Debentures 6.9 Mortgages Payable 6.10 Credit Facilities 6.11 Capital Strategy 6.12 Commitments and Contingencies 6.13 Base Shelf Prospectus 6.14 Normal Course Issuer Bid 6.15 At-the-Market Program 7.0 Equity 7.1 Authorized Capital and Outstanding Units 7.2 Equity 7.3 Distributions 7.4 Book Value Per Unit 8.0 Related Party Transactions 9.0 Accounting Policies and Estimates 9.1 Signifcant Areas of Estimation 9.2 Standards, Amendments and Interpretations Issued and Adopted 9.3 Standards, Amendments and Interpretations Issued but Not Yet Adopted 10.0 Specifed Financial Measures 10.1 Non-GAAP Financial Measures 10.2 Non-GAAP Ratios 11.0 Selected Quarterly Consolidated Information 12.0 Enterprise Risk Management 13.0 Internal Controls and Procedures 13.1 Disclosure Controls and Procedures 13.2 13.3 Changes in Internal Control Over Financial Reporting Internal Control Over Financial Reporting 14.0 Forward-looking Information 28 29 29 30 31 31 31 31 32 32 33 34 35 36 38 38 38 38 40 40 47 51 52 57 57 57 58 58 MANAGEMENT'S DISCUSSION AND ANALYSIS CT REAL ESTATE INVESTMENT TRUST MANAGEMENT’S DISCUSSION AND ANALYSIS YEAR ENDED DECEMBER 31, 2023 Forward-looking Disclaimer This Management’s Discussion and Analysis (“MD&A”) contains statements that are forward-looking. Actual results or events may differ materially from those forecasted in this disclosure because of the risks and uncertainties associated with the business of CT Real Estate Investment Trust® and its subsidiaries, (referred to herein as “CT REIT”, “Trust” or “REIT”, unless the context requires otherwise), and the general economic environment. CT REIT cannot provide any assurance that any forecasted financial or operational performance will actually be achieved or, if achieved, that it will result in an increase in the price of CT REIT’s Units. See section 14.0 in this MD&A for a more detailed discussion of the REIT’s use of forward-looking statements. CT REIT 2023 ANNUAL REPORT 1 MANAGEMENT'S DISCUSSION AND ANALYSIS 1.0 PREFACE 1.1 Basis of Presentation The following MD&A is intended to provide readers with an assessment of the performance of CT REIT® for the year ended December  31, 2023 and should be read in conjunction with the REIT’s audited consolidated financial statements (“consolidated financial statements”) and accompanying notes for the year ended December  31, 2023 which have been prepared in accordance with International Financial Reporting Standards (“IFRS”). In addition, the following MD&A should be read in conjunction with CT REIT’s forward-looking information found in section 14.0 of this MD&A. Information about CT REIT, including the Annual Information Form for the year ended December  31, 2023 (“AIF”), the consolidated financial statements as at and for the period ending December 31, 2023 and all other continuous disclosure documents required by the Canadian securities regulators, can be found on the System for Electronic Document Analysis and Retrieval (“SEDAR+”) website at www.sedarplus.ca and on CT REIT’s website at www.ctreit.com under the tab “Investors” in the Financial Reporting section. 1.2 Definitions In this document, the terms “CT REIT”, “REIT” and “Trust” refer to CT Real Estate Investment Trust® and its subsidiaries unless the context requires otherwise. In addition, “CTC” refers to Canadian Tire Corporation, Limited, entities that it controls and their collective businesses unless the context requires otherwise. This document contains certain trade-marks and trade names of CTC and is the property of CTC. Solely for convenience, the trade-marks and trade names referred to herein may appear without the ® or ™ symbol. Any term not defined in this MD&A shall be defined in the Glossary of Terms in the AIF filed on SEDAR+ at www.sedarplus.ca and on CT REIT’s website at www.ctreit.com under the tab Investors in the Financial Reporting section. 1.3 Accounting Estimates and Assumptions The preparation of the consolidated financial statements in accordance with IFRS requires management to make judgments and estimates that affect the application of accounting policies and the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenue and expenses during the reporting period. Refer to section 9.0 in this MD&A for further information. Financial data included in this MD&A includes material information as of February  13, 2024. Disclosure contained in this document is current to that date, unless otherwise indicated. 1.4 Quarterly and Annual Comparisons in this MD&A Unless otherwise indicated, all comparisons of results for three months ended December  31, 2023 (“Q4 2023”) are against results for three months ended December 31, 2022 (“Q4 2022”) and comparisons of results for the year ended December 31, 2023 are against results for the year ended December 31, 2022. 2 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS 1.5 Currency and Rounding All amounts in this MD&A are in thousands of Canadian dollars, except per unit, unit, per square foot and square foot amounts or unless otherwise indicated. Rounded numbers are used in this MD&A and, as such, totals may not add up to 100 percent. 1.6 Key Operating Performance Measures and Specified Financial Measures The key operating performance measures used by management may not be comparable to similar measures presented by other real estate investment trusts or enterprises. Net income and comprehensive income prepared in accordance with IFRS is also subject to varying degrees of judgment, and some meaningful differences in accounting policies exist between publicly traded entities in Canada. Accordingly, net income and comprehensive income as presented by CT REIT may not be comparable to net income and comprehensive income presented by other real estate investment trusts or enterprises. 1.7 Review and Approval by the Board of Trustees The Board of Trustees (the “Board”), on the recommendation of its Audit Committee, approved this MD&A for issuance on February 13, 2024. 1.8 Nature and Formation CT REIT is an unincorporated, closed-end real estate investment trust established on July 15, 2013 pursuant to a declaration of trust as amended and restated as of October 22, 2013 and as further amended and restated as of April 5, 2020 and as may be further amended from time to time (“Declaration of Trust”). CT REIT commenced operations on October 23, 2013. The principal, registered and head office of CT REIT is located at 2180 Yonge Street, Toronto, Ontario, M4P 2V8. CTC owned a 68.4% effective interest in CT REIT as at December  31, 2023, consisting of 33,989,508 of the issued and outstanding units of CT REIT (“Units”) and all of the issued and outstanding Class B limited partnership units (“Class B LP Units”) of CT REIT Limited Partnership (the “Partnership”), which are economically equivalent to and exchangeable for Units. The holders of Units and Class B LP Units are collectively referred to as “unitholders”. CTC also owns all of the issued and outstanding Class C limited partnership units (“Class C LP Units”) of the Partnership. The Units are listed on the Toronto Stock Exchange (“TSX”) and are traded under the symbol CRT.UN. CT REIT has one segment for financial reporting purposes which comprises the ownership and management of primarily net lease single tenant retail investment properties located across Canada. CT REIT 2023 ANNUAL REPORT 3 MANAGEMENT'S DISCUSSION AND ANALYSIS 2.0 GROWTH STRATEGY AND OBJECTIVES The following section contains forward-looking information and readers are cautioned that actual results may vary. The principal objective of CT REIT, as a real estate investment trust investing primarily in net lease, single tenant assets, is to create unitholder value over the long-term by generating reliable, durable and growing monthly distributions on a tax-efficient basis. To achieve this objective, management is focused on expanding the REIT’s asset base while also increasing its AFFO per unit. Future growth is expected to continue to be achieved from a number of sources including: 1. the portfolio of Canadian Tire leases, which generally contain contractual rent escalations of approximately 1.5% per year, on average, and have a weighted average remaining lease term of 8.6 years; 2. contractual arrangements with CTC whereby CT REIT has a right of first offer (“ROFO”) 1 on all CTC properties which meet the REIT’s investment criteria and through preferential rights, subject to certain exceptions, to participate in the development of, and to acquire, certain new retail and industrial properties; and 3. its relationship with CTC, which CT REIT will continue to leverage in order to obtain insights into potential real estate acquisitions and development opportunities in markets across Canada. 1 CT REIT’s ROFO under the ROFO Agreement continues in effect until the later of October 2023 and such time as CTC ceases to hold a majority of the Voting Units. 4 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS 3.0 SUMMARY OF SELECTED FINANCIAL AND OPERATIONAL INFORMATION Readers are reminded that certain key performance measures may not have standardized meanings under GAAP. For further information on the REIT’s operating measures, non-GAAP financial measures and non-GAAP ratios, refer to section 1.6, section 10.1 and section 10.2. (in thousands of Canadian dollars, except unit, per unit and square footage amounts) For the periods ended December 31, Property revenue EBITFV 1 Net operating income 1 Net income Net income per unit - basic 2 Net income per unit - diluted 3 Funds from operations 1 FFO per unit - diluted (non-GAAP) 2,4,5 Adjusted funds from operations 1 AFFO per unit - diluted (non-GAAP) 2,4,5 Distributions per unit - paid 2 AFFO payout ratio 4 Excess of AFFO 1 over distributions: Excess of AFFO over distributions paid 1,6 Per unit - diluted (non-GAAP) 2,4,5 Cash generated from operating activities Adjusted cashflow from operations 1,7 Weighted average number of units outstanding 2 Basic Diluted 3 Diluted (non-GAAP) 5 Period-end units outstanding 2 Total assets Total non-current liabilities Total indebtedness Book value per unit 2 Closing market price per unit 2 OTHER INFORMATION Weighted average interest rate 8 Indebtedness ratio Interest coverage ratio 4,9 Weighted average term to debt maturity (in years) 8 Gross leasable area (square feet) 10 Occupancy rate 10,11 Year Ended 2023 2022 2021 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 552,772 421,958 438,956 229,434 0.976 0.870 307,914 1.308 283,389 1.203 0.883 73.4 % 75,773 0.322 425,055 279,352 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 532,795 406,459 419,818 324,613 1.387 1.185 296,204 1.264 268,783 1.147 0.854 74.5 % 69,084 0.295 399,273 268,379 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 514,537 393.557 401,079 456,859 1.969 1.635 287,565 1.238 256,504 1.104 0.822 74.5 % 66,002 0.284 407,201 271,948 235,159,596 234,017,377 232,026,661 337,339,769 328,011,845 318,507,219 235,485,646 234,305,809 232,324,806 235,515,483 $ 6,966,564 $ 2,785,861 234,695,777 $ 6,844,789 $ 2,738,956 233,185,145 $ 6,500,102 $ 2,518,598 $ 2,880,994 $ 2,787,634 $ 2,677,861 $ $ 16.34 14.65 $ $ 16.31 15.59 $ $ 15.77 17.32 4.07 % 41.4 % 3.69 5.4 3.99 % 40.7 % 3.67 6.2 3.84 % 41.2 % 3.72 6.8 30,833,056 30,078,518 29,105,050 99.1 % 99.3 % 99.3 % 1 Non-GAAP financial measure. Refer to section 10.1 for further information. 2 Total units means Units and Class B LP Units outstanding. 3 Diluted units determined in accordance with IFRS includes restricted and deferred units issued under various plans and the effect of assuming that all of the Class C LP Units will be settled with Class B LP Units. Refer to section 7.0. 4 Non-GAAP ratio. Refer to section 10.2 for further information. 5 Diluted units used in calculating non-GAAP measures include restricted and deferred units issued under various plans and exclude the effect of assuming that all of the Class C LP Units will be settled with Class B LP Units. Refer to section 7.0. 6 Refer to section 7.0 for further information. 7 Comparatives have been restated to conform with current year’s presentation. 8 Excludes the Credit Facilities. Refer to section 6.10 for definition. 9 Refer to section 6.5 for further information. 10 Excludes Development Properties and Properties Under Development. Refer to the Glossary of Terms in the 2023 AIF for definition. 11 Occupancy and other leasing key performance measures have been prepared on a committed basis, which includes the impact of lease agreements contracted on or before December 31, 2023, December 31, 2022 and December 31, 2021, and vacancies as at the end of those reporting periods. CT REIT 2023 ANNUAL REPORT 5 MANAGEMENT'S DISCUSSION AND ANALYSIS 4.0 PORTFOLIO OVERVIEW 4.1 Portfolio Profile The portfolio of Properties, as at December 31, 2023, consisted of 367 Retail Properties, five industrial properties, one mixed- use commercial property and one Development Property (collectively, “Properties”). The Properties are located in each of the provinces and in two territories across Canada. The Retail Properties, industrial properties and mixed-use commercial property contain approximately 30.8 million square feet of gross leasable area (“GLA”). CT REIT’s consolidated financial position, results of operations and portfolio metrics include the REIT’s one-half interest in Canada Square, a mixed-use commercial property with future re-development potential, in Toronto, Ontario. CTC is CT REIT’s most significant tenant. As at December  31, 2023, CTC, including Canadian Tire stores and Other CTC Banners, leased 28.4 million square feet, representing 92.1% of total GLA (December 31, 2022 - 92.3%) and 91.3% of total annualized base minimum rent (December  31, 2022 - 91.4%). Approximately 84.6% and 15.4% of the CTC’s total GLA are attributable to retail and mixed-use, and industrial properties, respectively. CT REIT’s occupancy, excluding Properties Under Development, is as follows: (in square feet) Property Type Retail Properties Industrial properties Mixed-use property 2 Total As at December 31, 2023 Occupied GLA Occupancy rate 1 GLA 26,074,585 25,871,514 4,557,632 200,839 4,557,632 138,406 30,833,056 30,567,552 99.2 % 100.0 % 68.9 % 99.1 % 1 Occupancy and other leasing key performance measures have been prepared on a committed basis, which includes the impact of lease agreements contracted on or before December 31, 2023, and vacancies as at the end of the reporting period. 2 Relates to the REIT's one-half interest in Canada Square. (in square feet) Property Type Retail Properties Industrial properties Mixed-use property 2 Total GLA As at December 31, 2022 Occupied GLA Occupancy rate 1 25,594,741 25,418,807 4,205,749 278,028 4,205,749 256,308 30,078,518 29,880,864 99.3 % 100.0 % 92.2 % 99.3 % 1Occupancy and other leasing key performance measures have been prepared on a committed basis, which includes the impact of lease agreements contracted on or before December 31, 2022, and vacancies as at the end of the reporting period. 2 Relates to the REIT's one-half interest in Canada Square. 6 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS The REIT’s Property portfolio consists of: As at Canadian Tire store single tenant properties Other single tenant properties Multi-tenant properties anchored by Canadian Tire store Multi-tenant properties not anchored by Canadian Tire store Industrial properties Mixed-use property Total operating properties Development Properties Total Properties As at Gas bars at Retail Properties December 31, 2023 December 31, 2022 263 27 69 8 5 1 373 1 374 262 27 68 8 4 1 370 3 373 December 31, 2023 December 31, 2022 112 112 Properties by region, as a percentage of total GLA, as of December 31, 2023 are as follows: Properties by Region ¹ ² (% of Total GLA) lantic Canada Atlantic Canada 8.8% 8.8% estern Canada Western Canada 27.1% 27.1% uebec Quebec 23.6% 23.6% Ontario 40.4% 40.4% 1 Excluding Development Properties and Properties Under Development. 2 Occupancy and other leasing key performance measures have been prepared on a committed basis, which includes the impact of lease agreements contracted on or before December 31, 2023, and vacancies as at the end of the reporting period. CT REIT 2023 ANNUAL REPORT 7 MANAGEMENT'S DISCUSSION AND ANALYSIS 4.2 Revenue by Region Properties by region, as a percentage of total annualized base minimum rent, as of December 31, 2023 are as follows: Properties by Region ¹ ² (% of Total Annualized Base Minimum Rent) lantic Canada Atlantic Canada 7.7% 7.7% estern Canada Western Canada 28.5% 28.5% uebec Quebec 20.6% 20.6% nt Ontario 43.1% 43.1% 1 Excluding Development Properties and Properties Under Development. 2 Occupancy and other leasing key performance measures have been prepared on a committed basis, which includes the impact of lease agreements contracted on or before December 31, 2023, and vacancies as at the end of the reporting period. 4.3 Six Largest Urban Markets A significant portion of the Properties are located in the following six largest urban markets: As at Vancouver Edmonton Calgary Toronto Ottawa Montreal Percentage of Total Annualized Base Minimum Rent 1, 2 1 Excluding Development Properties and Properties Under Development. December 31, 2023 December 31, 2022 3.3 % 4.5 % 3.5 % 19.2 % 3.6 % 10.9 % 45.0 % 3.3 % 4.7 % 2.9 % 19.6 % 3.8 % 11.0 % 45.3 % 2 Occupancy and other leasing key performance measures have been prepared on a committed basis, which includes the impact of lease agreements contracted on or before December 31, 2023 and December 31, 2022, and vacancies as at the end of those reporting periods. 8 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS 4.4 Fair Value of Portfolio of Properties The fair value of the Properties represents 99.6% of the total assets of CT REIT as at December 31, 2023. Year Ended December 31, 2023 Year Ended December 31, 2022 Properties Income- producing Under properties Development Total investment properties Properties Income- producing Under properties Development Total investment properties $ 6,703,462 $ 129,538 $ 6,833,000 $ 6,409,844 $ 79,156 $ 6,489,000 (in thousands of Canadian dollars) Balance, beginning of period Property investments Intensifications Developments Development land Capitalized interest and property taxes Transfers from PUD Transfers to PUD Right-of-use assets - lease amendments and additions Fair value adjustment on investment properties Straight-line rent Recoverable capital expenditures Dispositions Balance, end of period 2,087 — — — — 206,780 (14,405) (1,805) (78,636) (1,700) 34,276 (389) — 71,211 70,288 325 7,343 (206,780) 14,405 2,087 71,211 70,288 325 7,343 — — 27,375 — 27,375 136,674 136,674 — — — — 76,246 16,468 3,666 182,672 — (182,672) — — — — — — (1,805) 27,047 (78,636) (1,700) 34,276 (389) 27,845 1,844 26,835 — — — — — — 76,246 16,468 3,666 — — 27,047 27,845 1,844 26,835 — $ 6,849,670 $ 86,330 $ 6,936,000 $ 6,703,462 $ 129,538 $ 6,833,000 Investment properties are measured at fair value, determined using the discounted cash flow method. Under this methodology, discount rates are applied to the projected annual operating cash flows, generally over a minimum term of ten years, and include a terminal value based on a capitalization rate applied to the estimated net operating income (“NOI”) in the terminal year. The Property portfolio is internally valued each quarter with external appraisals performed for a portion of the portfolio on a semi-annual basis. Approximately 80% of the Property portfolio (by value) is appraised externally by independent national real estate appraisal firms over a four-year period. Included in CT REIT’s Property portfolio are 12 Properties which are situated on ground leases with remaining current terms of up to 32 years, and an average remaining current term of approximately 15 years. Assuming all extensions are exercised, the ground leases have, on average, approximately 31 years of remaining lease term. CT REIT 2023 ANNUAL REPORT 9 MANAGEMENT'S DISCUSSION AND ANALYSIS The significant inputs used to determine the fair value of CT REIT’s income-producing properties and Properties Under Development are as follows: Number of Properties Value at the period end Discount rate 1 Terminal capitalization rate 1 Hold period (years) 1 Weighted average rate. Year Ended December 31, 2023 Year Ended December 31, 2022 374 373 $ 6,936,000 $ 6,833,000 7.20 % 6.71 % 11 7.01 % 6.51 % 11 The estimates of fair value are sensitive to changes in the investment metrics and forecasted future cash flows for each Property. The sensitivity analysis in the table below indicates the approximate impact on the fair value of the Property portfolio resulting from changes in the terminal capitalization and discount rates assuming no changes in other inputs. Year Ended December 31, 2023 Change in fair value Fair value Year Ended December 31, 2022 Change in fair value Fair value $ 6,254,000 $ 6,466,000 6,692,000 (682,000) $ (470,000) (244,000) 6,166,000 $ 6,380,000 6,588,000 $ 6,936,000 $ — $ 6,833,000 $ 7,200,000 7,485,000 264,000 549,000 7,096,000 7,384,000 $ 7,796,000 $ 860,000 $ 7,701,000 $ (667,000) (453,000) (245,000) — 263,000 551,000 868,000 Rate sensitivity + 75 basis points + 50 basis points + 25 basis points Period ended - 25 basis points - 50 basis points - 75 basis points 10 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS 4.5 2023 Investment Activities The following table presents income-producing Properties acquired, intensified, developed, or redeveloped during the year ended December 31, 2023. (in thousands of Canadian dollars, except for GLA amounts) Property Location Moose Jaw, SK 1 Sherbrooke East, QC 1 Fergus, ON 2 Chambly, QC 3 Casselman, ON 3 Drummondville, QC 2, 3 Summerside, PEI 3 Toronto (Islington/401), ON 1, 4 Napanee, ON 2, 3 Sydney, NS 3 Bedford, NS 3 Kingston, ON 1, 4 Invermere, BC 2, 3 Calgary (Dufferin Distribution Centre), AB 1 Pad development 3 Total 1 Development Property. 2 Acquisition of land adjacent to existing Property to facilitate the expansion of a CTR Store. 3 Intensification of an existing income-producing property. 4 Ground lease. Transaction date GLA Total investment cost March 2023 April 2023 April 2023 May 2023 May 2023 May 2023 July 2023 September 2023 October 2023 October 2023 October 2023 November 2023 November 2023 December 2023 December 2023 39,462 100,754 — 18,270 22,974 44,722 28,486 129,808 26,645 39,824 — — 33,015 351,883 2,850 838,693 $ 203,549 CT REIT 2023 ANNUAL REPORT 11 MANAGEMENT'S DISCUSSION AND ANALYSIS The following section contains forward-looking information and readers are cautioned that actual results may vary. 4.6 Development Activities The following table provides details of the REIT’s development activities as at December  31, 2023. The total “GLA” column represents the maximum anticipated area of the developments. The “Not committed to lease” column includes areas which may be under construction but not committed to lease. The “Committed additional investment” column represents the approximate financial commitment required to complete the “Committed to lease” areas and related site works. GLA (in square feet) Total investment (in thousands of Canadian dollars) Development Committed costs incurred 7 Total additional development costs investment Property 1 Granby, QC 2 Kirkland, QC 2 Martensville, SK 2 Victoria (View Royal), BC 2 Kingston, ON 3, 4 Peterborough, ON 2 Fort St John, BC — Phase 2 3 Brampton McLaughlin, ON 2 Burlington North, ON 2 Fergus, ON 2, 5 Port Hawkesbury, NS 2 Barrhaven, ON 2 Dryden, ON 2 Fenelon Falls, ON 2 London North, ON 2 Orleans, ON 2 Valleyfield, QC 2 Toronto (Canada Square), ON 4, 6 TOTAL Anticipated 69,000 12,000 26,000 113,000 to lease 27,000 32,000 — 32,000 Not date of Committed committed to lease — — — — — — 7,000 — — — — — — — — — — TBD completion Q2 2024 Q4 2024 Q4 2024 Q2 2025 Q2 2025 Q2 2025 Q4 2025 Q4 2025 Q4 2025 Q4 2025 Q2 2026 Q2 2026 Q2 2026 Q2 2026 Q2 2026 Q2 2026 Q2 2026 TBD 32,000 43,000 22,000 29,000 13,000 26,000 45,000 35,000 8,000 TBD 564,000 7,000 Total 27,000 69,000 26,000 12,000 113,000 32,000 7,000 32,000 29,000 22,000 13,000 8,000 43,000 26,000 32,000 45,000 35,000 TBD 571,000 $ 86,330 $ 171,513 $ 257,843 1 Properties Under Development under 5,000 square feet that are not anticipated to be completed within the next 12 months have not been included. The previously disclosed Stettler, AB and Milton, ON intensifications have been removed as the projects are no longer proceeding. 2 Intensification of an existing income-producing Property. 3 Development Property (including development land adjacent to an existing income-producing property). 4 Ground Lease. 5 Acquired development land for the intensification of an existing income-producing Property. 6 Redevelopment Property. Potential building area and investment costs to be determined ("TBD"). 7 Includes amounts related to projects in early stages of development. As at December 31, 2023, CT REIT had committed lease agreements for 564,000 square feet, representing 98.8% of total GLA under development, of which 100.0% has been leased to CTC. A total of $86,330 has been expended to date, and CT REIT anticipates investing an additional $171,513 to complete the developments, of which $163,042 is due to CTC. In the next 12 months, the REIT expects to spend approximately $43,000 on these development activities. These commitments do not include the future development costs related to Canada Square, other than previously approved pre-development consultant related costs. 12 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS The REIT’s 50% co-ownership interest in Canada Square is being managed by its co-owner in contemplation of its redevelopment. A development application for the redevelopment of the Canada Square site was originally submitted in December 2020, and in December 2022, the co-owners submitted an updated development application representing a revised master plan for the site that incorporated feedback from an extensive stakeholder engagement process. Declining occupancy and loss of revenue at the Canada Square property are expected to continue until the commencement of construction. 4.7 Investment and Development Funding Funding of investment and development activities for the year ended December 31, 2023 was as follows: (in thousands of Canadian dollars) Funded with working capital to CTC $ Funded with working capital to third parties Funded with Credit Facilities/cash Capitalized interest and property taxes Property investments Development land Developments Intensifications Total — $ 2,087 — — — $ 46,509 $ 70,904 $ 117,413 — 325 — 23,779 — 7,343 307 — — 26,173 325 7,343 Total costs $ 2,087 $ 325 $ 77,631 $ 71,211 $ 151,254 2023 Investment and Development Activity Funding of investment and development activities for the year ended December 31, 2022 was as follows: 2022 Investment and Development Activity Property investments Development land Developments Intensifications Funded with working capital to CTC $ 8,916 $ 3,918 $ 14,361 $ 70,822 $ Funded with working capital to third parties 1 Funded with Credit Facilities Capitalized interest and property taxes Issuance of Class B LP Units to CTC 10,488 2,324 — 5,647 6,324 6,226 — — 30,073 31,812 3,666 — 6,807 59,045 — — Total 98,017 53,692 99,407 3,666 5,647 Total costs $ 27,375 $ 16,468 $ 79,912 $ 136,674 $ 260,429 1 Includes $2,448 for the construction of Other CTC Banner stores. CT REIT 2023 ANNUAL REPORT 13 MANAGEMENT'S DISCUSSION AND ANALYSIS 4.8 Lease Maturities The weighted average lease term of the portfolio of leases with Canadian Tire is 8.6 years. The weighted average lease term of all leases in the REIT’s portfolio, excluding Properties Under Development, is 8.4 years. The following graph presents the lease maturity profile from 2024 to 2044 (assuming tenants do not exercise renewal options or termination rights, if any) as a percentage of total annualized base minimum rent and GLA as of the time of the lease expiry. Initial Term Lease Expiry by % of Total Annualized Minimum Rent and GLA1 Initial Term Lease Expiry by % of Total Annualized Minimum Rent and GLA1 Annualized Base Minimum Rent Annualized Base Minimum Rent Square Feet (millions) Square Feet (millions) 12.0% 12.0% 10.0% 10.0% 8.0% 8.0% 6.0% 6.0% 4.0% 4.0% 2.4% 2.4% 2.0% 2.0% 1.0% 1.0% 0.0% 0.0% 11.3% 11.3% 11.1% 11.1% 9.0% 9.0% 6.5% 6.5% 6.5% 6.5% 7.4% 7.4% 6.9% 6.9% 6.8% 6.8% 6.7% 6.7% 6.4% 6.4% 5.2% 5.2% 3.8% 3.8% 2.2% 2.2% 2.1% 2.1% 1.7% 1.7% 0.8% 0.8% 0.9% 0.9% 0.8% 0.8% 0.7% 0.7% '24 '24 '25 '25 '26 '26 '27 '27 '28 '28 '29 '29 '30 '30 '31 '31 '32 '32 '33 '33 '34 '34 '35 '35 '36 '36 '37 '37 '38 '38 '39 '39 '40 '40 '41 '41 '42 '42 '43 '43 '44 '44 Canadian Tire Store GLA Canadian Tire Store GLA Industrial Properties GLA Industrial Properties GLA Other GLA Other GLA Annualized Base Minimum Rent Annualized Base Minimum Rent 1 Excludes Properties Under Development. Total base minimum rent excludes future contractual escalations. Canada Square is included at the REIT’s one-half interest. Occupancy and other leasing key performance measures have been prepared on a committed basis, which includes the impact of lease agreements contracted on or before December 31, 2023, and vacancies as at the end of the reporting period. Excludes any lease renewal terms. 4.0 4.0 3.5 3.5 3.0 3.0 2.5 2.5 2.0 2.0 1.5 1.5 1.0 1.0 0.5 0.5 0.0 0.0 14 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS 4.9 Top 10 Tenants Excluding CTC Related Tenancies CT REIT’s 10 largest tenants, excluding all CTC related tenancies, as represented by the percentage of total annualized base minimum rent, are: Rank Tenant Name 1 2 3 4 5 6 7 8 9 Save-On-Foods/Buy-Low Foods Loblaws/No Frills/Shoppers Drug Mart Winners/Marshalls/HomeSense Bank of Montreal Canadian Imperial Bank of Commerce Sobeys/FreshCo/Farm Boy Tim Hortons/Burger King/Popeyes Dollarama Walmart 10 Best Buy Total Percentage of total annualized base minimum rent 1 0.65 % 0.58 % 0.51 % 0.46 % 0.41 % 0.41 % 0.33 % 0.28 % 0.28 % 0.22 % 4.13 % 1 Occupancy and other leasing key performance measures have been prepared on a committed basis, which includes the impact of lease agreements contracted on or before December 31, 2023, and vacancies as at the end of the reporting period. 4.10 Leasing Activities The future financial performance of CT REIT will be impacted by many factors including occupancy rates and renewing currently leased space. During the current quarter, the REIT completed one Canadian Tire lease extension. Year to date, CT REIT completed 28 Canadian Tire lease extensions in 2023. As at December 31, 2023, the REIT’s occupancy rate, excluding Development Properties and Properties Under Development, was 99.1% (Q4 2022 - 99.3%). Refer to section 4.1 for further details. 4.11 Recoverable Capital Costs Many of the capital costs incurred by CT REIT are recoverable from tenants pursuant to the terms of their leases. These recoveries occur either in the year in which such expenditures are incurred or, in the case of a major item of replacement or betterment, on a straight-line basis over the expected useful life thereof together with an imputed rate of interest on the unrecovered balance at any point in time. Capital expenditures of $17,782 and $34,276 (Q4 2022 - $14,903 and YTD 2022 - $26,835) were incurred during the three months and year ended December  31, 2023, respectively. Most of the REIT’s recoverable capital expenditures relate to parking lots, roofs and heating, ventilation and air conditioning equipment, the incurrence of which are typically seasonal in nature. As a result, the actual recoverable capital costs incurred may vary widely from period to period. CT REIT 2023 ANNUAL REPORT 15 MANAGEMENT'S DISCUSSION AND ANALYSIS 5.0 RESULTS OF OPERATIONS 5.1 Financial Results for the Three Months and Year Ended December 31, 2023 CT REIT’s financial results for the three months and year ended December 31, 2023 and December 31, 2022 are summarized below: (in thousands of Canadian dollars, except per unit amounts) Three Months Ended Year Ended For the periods ended December 31, 2023 2022 Change ¹ 2023 2022 Change ¹ Property revenue Property expense General and administrative expense Net interest and other financing charges Fair value adjustment on investment properties Net income and comprehensive income Net income per unit - basic Net income per unit - diluted ¹ NM - not meaningful. Property Revenue $ 139,968 $ 135,175 3.5 % $ 552,772 $ 532,795 3.7 % (28,842) (4,128) (29,425) (39,334) (27,833) 3.6 % (115,523) (111,133) 4.0 % (4,030) 2.4 % (15,237) (14,478) 5.2 % (27,703) 6.2 % (113,942) (110,416) 3.2 % (860) NM (78,636) 27,845 NM 38,239 $ 74,749 (48.8)% $ 229,434 $ 324,613 (29.3)% 0.162 $ 0.161 $ 0.319 (49.2)% $ 0.276 (41.7)% $ 0.976 $ 0.870 $ 1.387 (29.6)% 1.185 (26.6)% $ $ $ Property revenue includes all amounts earned from tenants pursuant to lease agreements including base rent, property taxes, operating costs and other recoveries. Many of CT REIT’s expenses are recoverable from tenants pursuant to the terms of their leases, with the REIT absorbing these expenses to the extent that vacancies exist. Total revenue for the three months ended December 31, 2023 was $139,968 which was $4,793 (3.5%) higher compared to the same period in the prior year, primarily due to the intensifications and developments completed during 2022 and 2023, higher recovery of capital expenditures and interest earned on the unrecovered balance and the contractual rent escalations from Canadian Tire leases, partially offset by vacancy at Canada Square. Total revenue for the three months ended December 31, 2023 also included property operating expense recoveries in the amount of $27,048 (Q4 2022 - $26,353). Total revenue for the year ended December 31, 2023 was $552,772 which was $19,977 (3.7%) higher compared to the same period in the prior year, primarily due to the intensifications and developments completed during 2022 and 2023, higher recovery of capital expenditures and interest earned on the unrecovered balance and the contractual rent escalations from Canadian Tire leases, partially offset by vacancy at Canada Square. Total revenue for the year ended December  31, 2023 also included property operating expense recoveries in the amount of $108,270 (Q4 2022 - $106,687). The total amount of base rent to be received from operating leases is recognized on a straight-line basis over the term of the lease. For the three months ended December 31, 2023, straight-line rent of $(386) (Q4 2022 - $579) was included in property revenue. For the year ended December 31, 2023, straight-line rent of $(1,707) (2022 - $1,844) was included in total property revenue. 16 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS Property Expense Property expense consists primarily of property taxes and operating costs. The majority of property expenses are recoverable from tenants with the REIT absorbing these expenses to the extent that vacancies exist. Property expense for the three months ended December 31, 2023, increased by $1,009 (3.6%) compared to the same period in the prior year primarily due to higher property taxes resulting from reassessed values associated with intensifications and developments completed in 2022 and 2023. Property expense for the year ended December  31, 2023, increased by $4,390 (4.0%) compared to the same period in the prior year primarily due to higher property taxes resulting from reassessed values associated with intensifications and developments completed in 2022 and 2023. General and Administrative Expense CT REIT has three primary categories of general and administrative expense, namely: (i) personnel costs; (ii) Service Agreement expense, which may fluctuate depending on when such costs are incurred; and (iii) public entity and other costs, including external audit fees, trustee compensation expense, legal and professional fees, travel and income tax expense (recovery) related to CT REIT GP Corp.’s (“GP”) activities. The personnel and public entity and other costs reflect the expenses related to ongoing operations of CT REIT. The Service Agreement expense costs are largely related to certain tax, treasury, internal audit and other support services provided by CTC to the REIT pursuant to the Services Agreement, as further described in section 8.0 of this MD&A. (in thousands of Canadian dollars) Three Months Ended Year Ended For the periods ended December 31, 2023 2022 Change 2023 2022 Change Personnel expense 1 Service Agreement expense Public entity and other 1 $ 2,912 $ 3,007 (3.2)% $ 9,825 $ 181 1,035 233 790 (22.3)% 31.0 % 1,094 4,318 9,708 1,094 3,676 General and administrative expense $ 4,128 $ 4,030 2.4 % $ 15,237 $ 14,478 1.2 % — % 17.5 % 5.2 % As a percent of property revenue Adjusted general and administrative expense as a percent of property revenue 2, 3 1 Includes unit-based awards, including loss (gain) adjustments as a result of the change in the fair market value of the Units of $523 (Q4 2022 - $276) and $(625) (YTD 2022 - $(866)) for 3.0 % 2.7 % 2.9 % 2.8 % 2.8 % 2.9 % 2.6 % 2.9 % the three months and year ended December 31, 2023. 2 Adjusted for fair value adjustments on unit-based awards. 3 Non-GAAP ratio. Refer to section 10.2 for further information. General and administrative expenses amounted to $4,128 or 2.9% of the property revenue for the three months ended December 31, 2023 which was comparable with the same period in the prior year. General and administrative expenses amounted to $15,237 or 2.8% of property revenue for the year ended December  31, 2023 which is $759 (5.2%) higher compared to the same period in the prior year primarily due to higher legal and professional fees, increased compensation costs due to the variable component of compensation awards; partially offset by decreased personnel costs from CEO retirement expenses in 2022. CT REIT 2023 ANNUAL REPORT 17 MANAGEMENT'S DISCUSSION AND ANALYSIS Net Interest and Other Financing Charges As at December 31, 2023 the Partnership had 1,451,550 Class C LP Units outstanding with a face value of $1,451,550 and bearing a weighted average distribution rate of 4.41% per annum. The Class C LP Units are subject to redemption rights. Accordingly, the Class C LP Units are classified as financial liabilities and distributions on the Class C LP Units are presented in the net interest and other financing charges in the consolidated statements of income and comprehensive income. Net interest and other financing charges are comprised of the following: (in thousands of Canadian dollars) Three Months Ended Year Ended For the periods ended December 31, 2023 2022 Change ¹ 2023 2022 Change ¹ Interest on Class C LP Units 2 $ 15,990 $ 15,990 — % $ 63,962 $ 63,962 Interest and financing costs - debentures Interest and financing costs - Credit Facilities 3 Interest on mortgages payable Interest on lease liabilities 11,677 1,965 42 1,384 9,853 1,011 797 752 18.5 % 94.4 % (94.7)% 84.0 % 41,240 39,968 8,905 938 5,201 2,042 2,377 3,964 $ 31,058 $ 28,403 9.3 % $ 120,246 $ 112,313 — % 3.2 % NM (60.5)% 31.2 % 7.1 % Less: capitalized interest (1,263) (660) 91.4 % (5,764) (1,641) NM Interest expense and other financing charges $ 29,795 $ 27,743 7.4 % $ 114,482 $ 110,672 3.4 % Less: interest income (370) (40) NM (540) (256) NM Net interest and other financing charges $ 29,425 $ 27,703 6.2 % $ 113,942 $ 110,416 3.2 % ¹ NM - not meaningful. 2 CTC elected to defer receipt of distributions on Series 3-9 and Series 16 and 19 of the Class C LP Units for the three months and year ended December 31, 2023 in the amount of $15,990 (Q4 2022 - $15,990) and $58,631 (YTD 2022 - $58,631), until the first business day following the end of the fiscal year. The deferred distributions have been netted against interest payable on Class C LP Units and are included under the heading “other liabilities” on the consolidated balance sheets. 3 See section 6.10 for details on Credit Facilities. Net interest and other financing charges for the three months ended December 31, 2023 was $1,722 (6.2%) higher compared to the same period in the prior year as a result of the issuance of $250,000 Series I senior unsecured debentures with a coupon of 5.828% per annum, which closed on November 17, 2023, and higher Credit Facilities utilization to fund 2023 developments and intensifications, partially offset by lower interest costs as a result of a mortgage which matured and was repaid in Q1 2023, and capitalized interest on Properties Under Development. Net interest and other financing charges for the year ended December 31, 2023 was $3,526 (3.2%) higher compared to the same period in the prior year as a result of higher Credit Facilities utilization to fund 2023 developments and intensifications, increase in the interest rate on the Credit Facilities, and the issuance of $250,000 Series I senior unsecured debentures with a coupon of 5.828% per annum, which closed on November 17, 2023, partially offset by capitalized interest on Properties Under Development, lower interest costs as a result of a mortgage which matured and was repaid in Q1 2023, and the prepayment cost of $744 related to the early redemption of the $150,000 Series A senior unsecured debentures with a coupon of 2.853%, which occurred in the first quarter of 2022. 18 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS Fair Value Adjustment on Investment Properties The fair value adjustment on investment properties for the three months ended December 31, 2023 was $(39,334), a decrease of $38,474 compared to the adjustment in the same period in the prior year. The decrease in the fair value adjustment on investment properties is primarily driven by changes to underlying investment metrics for certain Retail Properties and one industrial property within the portfolio, offset by changes to underlying cash flow assumptions for Retail Properties. The fair value adjustment on investment properties for the year ended December  31, 2023 was $(78,636), a decrease of $106,481 compared to the adjustment in the same period in the prior year. The decrease in the fair value adjustment on investment properties is primarily driven by changes to underlying investment metrics for certain Retail Properties and one industrial property within the portfolio, offset by changes to underlying cash flow assumptions for Retail Properties. Income Tax Expense Management operates CT REIT in a manner that enables the REIT to continue to qualify as a real estate investment trust pursuant to the Income Tax Act (Canada) (“ITA”). CT REIT distributes 100% of its taxable income to unitholders and therefore does not incur income tax expense in relation to its activities. The REIT only records income tax expense or recovery in relation to the GP activities. If CT REIT fails to distribute the required amount of taxable income to unitholders, or if CT REIT fails to qualify as a “real estate investment trust” under the ITA, substantial adverse tax consequences may occur. Refer to section 12.0 for further information. Net Income (in thousands of Canadian dollars, except per unit amounts) Three Months Ended Year Ended For the periods ended December 31, Net income and comprehensive income Net income per unit - basic Net income per unit - diluted 2023 2022 Change 2023 2022 Change 38,239 $ 74,749 (48.8)% $ 229,434 $ 324,613 (29.3)% 0.162 $ 0.319 (49.2)% $ 0.976 $ 1.387 (29.6)% 0.161 $ 0.276 (41.7)% $ 0.870 $ 1.185 (26.6)% $ $ $ Net income decreased by $36,510 (48.8%) for the three months ended December 31, 2023 compared to the same period in the prior year due to the decrease in the fair value adjustment on investment properties, an increase in the interest rate on the Credit Facilities and higher Credit Facilities utilization to fund 2023 developments and intensifications, partially offset by higher property revenue from intensifications and developments completed in 2022 and 2023. Net income decreased by $95,179 (29.3%) for the year ended December 31, 2023 compared to the same period in the prior year due to the decrease in the fair value adjustment on investment properties, an increase in the interest rate on the Credit Facilities and higher Credit Facilities utilization to fund 2023 developments and intensifications, partially offset by higher property revenue from intensifications and developments completed in 2022 and 2023. CT REIT 2023 ANNUAL REPORT 19 MANAGEMENT'S DISCUSSION AND ANALYSIS 5.2 Non-GAAP Financial Measures and Non-GAAP Ratios In addition to the GAAP measures previously described, management uses non-GAAP financial measures and non-GAAP ratios in assessing the financial performance of CT REIT. Refer to section 1.0 and section 10.0 in this MD&A for further information. (in thousands of Canadian dollars, except per unit amounts) For the periods ended December 31, Net operating income 1 Same store NOI 1 Same property NOI 1 Funds from operations 1 FFO per unit - basic 2 FFO per unit - diluted (non-GAAP) 2 Adjusted funds from operations 1 AFFO per unit - basic 2 AFFO per unit - diluted (non-GAAP) 2 AFFO payout ratio 2 ACFO 1,3 EBITFV 1 Three Months Ended Year Ended 2023 2022 Change 2023 2022 Change $ $ $ $ $ $ $ $ $ $ $ 111,512 107,552 109,694 77,704 0.330 0.330 71,474 0.304 0.303 74.3 % 72,851 107,263 $ $ $ $ $ $ $ $ $ $ $ 106,763 105,210 105,875 75,570 0.322 0.322 4.4 % $ 438,956 2.2 % $ 421,694 3.6 % $ 432,982 2.8 % $ 307,914 2.5 % $ 2.5 % $ 1.309 1.308 68,515 4.3 % $ 283,389 0.292 0.292 4.1 % $ 3.8 % $ 1.205 1.203 74.3 % — % 73.4 % 89,461 (18.6)% $ 279,352 103,133 4.0 % $ 421,958 $ $ $ $ $ $ $ $ $ $ $ 419,818 411,478 414,999 296,204 1.266 1.264 268,783 1.149 1.147 4.6 % 2.5 % 4.3 % 4.0 % 3.4 % 3.5 % 5.4 % 4.9 % 4.9 % 74.5 % (1.1)% 268,379 406,459 4.1 % 3.8 % 1 Non-GAAP financial measure. Refer to section 10.1 for further information. 2 Non-GAAP ratio. Refer to section 10.2 for further information. 3 Comparatives have been restated to conform with current year’s presentation. Net Operating Income Same store NOI for the three months ended December 31, 2023 increased by $2,342 (2.2%), when compared to the prior year primarily for the following reasons: • • contractual rent escalations of 1.5% per year, on average, contained within the Canadian Tire leases, which are generally effective January 1st, contributed $1,611 to NOI growth; and increased recovery of capital expenditures and interest earned on the unrecovered balance contributed $886 to NOI. Same property NOI for the three months ended December 31, 2023, increased $3,819 (3.6%) compared to the prior year due to the increase in same store NOI noted above, as well as an increase in NOI of $1,477 from the intensifications completed in 2023 and 2022. NOI for the three months ended December 31, 2023 increased by $4,749 (4.4%) compared to the same period in the prior year primarily due to an increase in same property NOI, coupled with an increase in NOI due to developed properties. 20 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS Same store NOI for the year ended December 31, 2023 increased $10,216 (2.5%), when compared to the prior year primarily for the following reasons: • • • contractual rent escalations of 1.5% per year, on average, contained within the Canadian Tire leases, which are generally effective January 1st, contributed $5,997 to NOI growth; and increased recovery of capital expenditures and interest earned on the unrecovered balance contributed $5,512 to NOI; partially offset by recovery adjustment to operating expenses and property taxes, which reduced NOI by $1,302. Same property NOI for the year ended December 31, 2023 increased $17,983 (4.3%) compared to the prior year due to the increase in same store NOI noted above, as well as an increase in NOI of $7,767 from the intensifications completed in 2023 and 2022. NOI for the year ended December  31, 2023 increased by $19,138 (4.6%) compared to the same period in the prior year primarily due to an increase in same property NOI, coupled with an increase in NOI due to developed properties. Funds From Operations FFO for the three months ended December 31, 2023 was $77,704 which was $2,134 (2.8%) higher than the same period in 2022 primarily due to the impact of NOI variances, partially offset by increased interest costs on the public debentures, and an increase in costs related to the Credit Facilities due to higher utilization and a higher rate of interest. FFO per unit - diluted (non-GAAP) for the three months ended December 31, 2023 was $0.330, which was $0.008 (2.5%) higher than the same period in 2022 due to the growth of FFO exceeding the growth in the weighted average units outstanding - diluted (non- GAAP). FFO for the year ended December 31, 2023 was $307,914 which was $11,710 (4.0%) higher than the same period in 2022, primarily due to the impact of NOI variances, partially offset by increased interest costs on the public debentures, and an increase in costs related to the Credit Facilities due to higher utilization and a higher rate of interest. FFO per unit - diluted (non-GAAP) for the year ended December 31, 2023 was $1.308, which was $0.044 (3.5%) higher than the same period in 2022 due to the growth of FFO exceeding the growth in the weighted average units outstanding - diluted (non-GAAP). Adjusted Funds From Operations AFFO for the three months ended December 31, 2023 was $71,474 which was $2,959 (4.3%) higher than the same period in 2022, primarily due to the impact of NOI variances, partially offset by increased interest costs on the public debentures, and an increase in costs related to the Credit Facilities due to higher utilization and a higher rate of interest. AFFO per unit - diluted (non-GAAP) was $0.303, which was $0.011 (3.8%) higher than the same period in 2022 due to the growth of AFFO exceeding the growth in the weighted average units outstanding - diluted (non-GAAP). AFFO for the year ended December 31, 2023 was $283,389 which was $14,606 (5.4%) higher than the same period in 2022, primarily due to the impact of NOI variances, partially offset by increased interest costs on the public debentures, and an increase in costs related to the Credit Facilities due to higher utilization and a higher rate of interest. AFFO per unit - diluted CT REIT 2023 ANNUAL REPORT 21 MANAGEMENT'S DISCUSSION AND ANALYSIS (non-GAAP) was $1.203, which was $0.056 (4.9%) higher than the same period in 2022 due to the growth of AFFO exceeding the growth in the weighted average units outstanding - diluted (non-GAAP). Adjusted Funds From Operations Payout Ratio The AFFO payout ratio for the three months ended December 31, 2023 was 74.3%, which is consistent with the same period in 2022. The AFFO payout ratio for the year ended December 31, 2023 was 73.4%, a decrease of 1.1% from the same period in 2022 due to the rate of increase in AFFO per unit exceeding the increase in the monthly distributions. Adjusted Cashflow From Operations ACFO for the three months ended December 31, 2023 decreased by $16,610 or 18.6% over the same period in 2022 primarily due to the decrease in cash generated from operating activities and a decrease in non-operating adjustments to changes in working capital and other. ACFO for the year ended December 31, 2023 increased by $10,973 or 4.1% over the same period in 2022 primarily due to an increase in cash generated from operating activities, partially offset by a decrease in non-operating adjustments to changes in working capital and other and higher interest expense. Earnings Before Interest and Other Financing Costs, Taxes and Fair Value Adjustments EBITFV for the three months ended December 31, 2023 increased by $4,130 (4.0%) over the same period in 2022, primarily due to the impact of NOI variances, discussed earlier. EBITFV for the year ended December 31, 2023 increased by $15,499 (3.8%) over the same period in 2022, primarily due to the impact of NOI variances, discussed earlier. 6.0 LIQUIDITY AND FINANCIAL CONDITION The following section contains forward-looking information and readers are cautioned that actual results may vary. 6.1 Liquidity CT REIT intends to fund capital expenditures for acquisitions and development activities through a combination of (i) cash on hand, (ii) issuances of Class B LP Units and/or Class C LP Units, (iii) draws on the Credit Facilities, (iv) assumption of debt, and/or (v) new public or private issuance of debt or equity. (in thousands of Canadian dollars) As at Cash and cash equivalents Unused portion of available Bank Credit Facility 1 Liquidity 1 See section 6.10 for details on Credit Facilities. 22 CT REIT 2023 ANNUAL REPORT December 31, 2023 December 31, 2022 $ $ 20,766 $ 296,868 317,634 $ 2,611 195,117 197,728 MANAGEMENT'S DISCUSSION AND ANALYSIS Cash flow generated from operating the Property portfolio represents the primary source of liquidity to service debt and to fund planned maintenance expenditures, leasing costs, general and administrative expenses and distributions. Other sources being interest income, as well as cash on hand. (in thousands of Canadian dollars) For the periods ended December 31, Three Months Ended Year Ended 2023 2022 Change ¹ 2023 2022 Change ¹ Cash generated from operating activities $ 118,316 $ 123,937 (4.5)% $ 425,055 $ 399,273 6.5 % Cash used for investing activities Cash used for financing activities (55,591) (89,108) (37.6)% (186,529) (219,617) (15.1)% (59,017) (38,300) 54.1 % (220,371) (180,600) 22.0 % Cash generated/(used) in the period $ 3,708 $ (3,471) NM $ 18,155 $ (944) NM ¹ NM - not meaningful. 6.2 Discussion of Cash Flows Cash generated in the three months ended December 31, 2023 of $3,708 was primarily the result of cash generated from the issuance of the Series I senior unsecured debentures and operating activities, partially offset by cash used for repayment on the Credit Facilities, distribution payments, development and intensification of investment properties, capital expenditure and interest payments. Cash generated in the year ended December 31, 2023 of $18,155 was primarily the result of cash generated from operating activities and the issuance of the Series I senior unsecured debentures, partially offset by cash used for distribution payments, development and intensification of investment properties, repayment on the Credit Facilities, repayment of a mortgage which matured, interest payments on the debentures and capital expenditure. 6.3 Credit Ratings The senior unsecured debt of CT REIT is rated by S&P Global Ratings (“S&P”) and by Morningstar DBRS, two independent credit rating agencies which provide issuer credit ratings and credit ratings of debt securities of an issuer. A credit rating generally provides an indication of the risk that the borrower will not fulfill its full obligations in a timely manner with respect to both interest and principal commitments. Rating categories range from highest credit quality (generally “AAA”) to default in payment (generally “D”). The credit ratings of CT REIT are related to and currently equivalent to those of CTC, as CTC holds a significant ownership position in CT REIT and CTC is CT REIT’s most significant tenant. The following table sets out CT REIT’s issuer and senior unsecured debenture credit ratings: Issuer Rating Senior unsecured debentures Morningstar DBRS S&P Credit Rating BBB BBB Trend Stable Stable Credit Rating BBB BBB Outlook Stable - CT REIT 2023 ANNUAL REPORT 23 MANAGEMENT'S DISCUSSION AND ANALYSIS 6.4 Indebtedness and Capital Structure CT REIT’s indebtedness and capital structure is as follows: (in thousands of Canadian dollars) As at Class C LP Units Mortgages payable Debentures Credit Facilities 1 Total indebtedness Unitholders’ equity Non-controlling interests Total capital under management 1 See section 6.10 for details on Credit Facilities. December 31, 2023 December 31, 2022 $ 1,451,550 $ 1,451,550 9,131 1,420,313 — 2,880,994 $ 1,707,336 2,140,433 6,728,763 $ 65,295 1,170,905 99,884 2,787,634 1,698,250 2,128,923 6,614,807 $ $ CT REIT’s total indebtedness as at December 31, 2023 was higher than December 31, 2022 primarily due to the issuance of Series I senior unsecured debentures, partially offset by the repayments of amounts drawn on the Bank Credit Facility and a mortgage which matured in Q1 2023. Refer to section 6.6 of this MD&A for further details. CT REIT’s unitholders’ equity and non-controlling interests as at December 31, 2023 increased as compared to December 31, 2022 primarily as a result of net income exceeding distributions. Future payments in respect of CT REIT’s indebtedness as at December 31, 2023 are as follows: (in thousands of Canadian dollars) 2024 2025 2026 2027 2028 and thereafter Total contractual obligation Unamortized portion of mark to market on mortgages payable assumed on the acquisition of properties Unamortized transaction costs 1 Refer to section 6.8. Mortgages payable Principal Amortization Maturities Class C LP Units Debentures 1 Total $ 391 $ — $ 200,000 $ — $ 200,391 403 103 — — — 7,967 — — 251,550 — — 200,000 200,000 375,000 451,953 208,070 375,000 1,000,000 650,000 1,650,000 $ 897 $ 7,967 $ 1,451,550 $ 1,425,000 $ 2,885,414 — — 267 — — — — (4,687) 267 (4,687) $ 897 $ 8,234 $ 1,451,550 $ 1,420,313 $ 2,880,994 Interest rates on CT REIT’s indebtedness range from 2.37% to 5.83%. The maturity dates on the indebtedness range from May 2024 to May 2038. Total indebtedness as at December 31, 2023 had a weighted average interest rate of 4.07% and a weighted average term to maturity of 5.4 years, excluding the Credit Facilities. 24 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS As at December 31, 2023, variable rate and fixed rate indebtedness were nil and $2,880,994, respectively. As at Variable rate indebtedness Total indebtedness Variable rate indebtedness / total indebtedness December 31, 2023 December 31, 2022 $ — $ 2,880,994 155,584 2,787,634 0.00 % 5.58 % CT REIT’s variable rate debt-to-total indebtedness ratio as at December 31, 2023 decreased as compared to December 31, 2022 primarily due to repayment on the Bank Credit Facility and a mortgage which matured. The following table presents the contractual obligations of CT REIT: Class C LP Units 1 Debentures Future payments on Class C LP Units 1 Future interest on debentures Future undiscounted lease liabilities payments Mortgages payable Future payment other liabilities Distributions payable 2 Payable on Class C LP Units, net of loans receivable Future interest payments on mortgages payable Total 2024 2025 2026 2027 2028 2029 and thereafter Total $ 200,000 $ 251,550 $ — $ — $ 200,000 $ 800,000 $ 1,451,550 — 200,000 200,000 375,000 250,000 400,000 1,425,000 58,712 53,132 6,067 391 100,039 17,628 5,331 51,484 49,605 6,425 403 5,198 — — 280 267 49,000 42,789 6,550 8,070 — — — 65 49,000 36,464 43,750 236,667 488,613 17,759 14,686 214,435 6,568 6,551 217,096 249,257 — — — — — — — — — — — — — — — 8,864 105,237 17,628 5,331 612 $ 441,580 $ 564,932 $ 306,474 $ 467,032 $ 518,060 $ 1,668,449 $ 3,966,527 1 Assumes redemption on Current Fixed Rate Period for each series. 2 On Units and Class B LP Units. The table below presents CT REIT’s interest in investment properties at fair value that are available to it to finance and/or refinance its debt as at December 31, 2023: (in thousands of Canadian dollars) Unencumbered investment properties Encumbered investment properties Total investment properties Number of properties Fair value of investment Percentage of total assets properties Mortgages payable Loan to value ratio 373 $ 6,915,699 1 20,301 374 $ 6,936,000 99.3 % $ 0.3 % 99.6 % $ — 9,131 9,131 — 45.0 % 0.1 % CT REIT 2023 ANNUAL REPORT 25 MANAGEMENT'S DISCUSSION AND ANALYSIS The table below presents CT REIT’s secured debt as a percentage of total indebtedness: (in thousands of Canadian dollars) As at Secured debt Total indebtedness Secured debt / total indebtedness December 31, 2023 December 31, 2022 $ 9,131 $ 2,880,994 65,295 2,787,634 0.32 % 2.34 % CT REIT’s secured debt-to-total indebtedness ratio as of December 31, 2023 decreased as compared to December 31, 2022 primarily due to the repayment of a secured mortgage that matured. Indebtedness to EBITFV ratios are used to measure an entity’s ability to meet its debt obligations. Generally, the lower the ratio, the less an entity is leveraged which increases its ability to pay off its debts. The table below presents CT REIT’s indebtedness to EBITFV ratio: (in thousands of Canadian dollars) As at Total indebtedness EBITFV 1 Total indebtedness / EBITFV 2 1 Non-GAAP financial measure. Refer to section 10.1 for further information. 2 Non-GAAP ratio. Refer to section 10.2 for further information. December 31, 2023 December 31, 2022 $ 2,880,994 $ 421,958 6.83 2,787,634 406,459 6.86 CT REIT’s indebtedness to EBITFV ratio as at December 31, 2023 was in line with December 31, 2022. 6.5 Interest Coverage Ratio Interest coverage ratios are used to measure an entity’s ability to service its debt. Generally, the higher the ratio is, the lower the risk of default on debt. The ratio is calculated as follows: (in thousands of Canadian dollars) For the periods ended December 31, EBITFV 1 (A) Interest expense and other financing charges (B) Interest coverage 2 ratio (A)/(B) 1 Non-GAAP financial measure. Refer to section 10.1 for further information. 2 Non-GAAP ratio. Refer to section 10.2 for further information. Three Months Ended Year Ended 2023 2022 2023 $ $ 107,263 $ 103,133 $ 421,958 $ 29,795 $ 27,743 $ 114,482 $ 3.60 3.72 3.69 2022 406,459 110,672 3.67 The decrease in interest coverage ratio for the three months ended December 31, 2023, as compared to the same period in 2022, is primarily due to the growth in interest expense exceeding the growth of EBITFV. The increase in interest coverage ratio for the year ended December 31, 2023, as compared to the same period in 2022, is primarily due to the growth of EBITFV exceeding the growth in interest expense. 26 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS 6.6 Indebtedness Ratio CT REIT has adopted an indebtedness ratio guideline which management uses as a measure to evaluate its leverage and the strength of its equity position, expressed as a percentage of total assets. This ratio can help investors determine the REIT’s risk levels. CT REIT’s Declaration of Trust and the Trust Indenture limit its indebtedness (plus the aggregate par value of the Class C LP Units) to a maximum of 60% of the gross book value, excluding convertible debentures, and 65% including convertible debentures. Gross book value is defined as total assets as reported on the latest consolidated balance sheets. CT REIT calculates its indebtedness ratio as follows: (in thousands of Canadian dollars) As at Total indebtedness 1 (A) Total assets (B) Indebtedness ratio (A)/(B) December 31, 2023 December 31, 2022 $ $ 2,880,994 6,966,564 $ $ 2,787,634 6,844,789 41.4 % 40.7 % 1 Total indebtedness reflects the value of the Class C LP Units, mortgages payable, debentures and draws on the Credit Facilities. The indebtedness ratio as at December 31, 2023 increased compared to the indebtedness ratio as at December 31, 2022 primarily due to issuance of the Series I senior unsecured debentures, as well as a decrease in fair value on investment properties. 6.7 Class C LP Units As at December 31, 2023, there were 1,451,550 Class C LP Units outstanding, all of which were held by CTC. The Class C LP Units are designed to provide CTC with an interest in the Partnership that entitles holders to a fixed cumulative monthly payment, during the fixed rate period for each series of Class C LP Units (the “Current Fixed Rate Period”). Such payments are made in priority to distributions made to holders of Class B LP Units and units representing an interest in the GP (subject to certain exceptions) if, as and when declared by the Board of Directors of the GP and are payable monthly at an annual distribution rate for each series as set out in the table below. In addition, the Class C LP Units are entitled to receive Special Voting Units, in certain limited circumstances. Refer to section 7.0 for further details. On expiry of the Current Fixed Rate Period applicable to each series of Class C LP Units, and each five-year period thereafter, each such series of Class C LP Units is redeemable at par (together with all accrued and unpaid payments thereon) at the option of the Partnership or the holder, upon giving at least 120 days’ prior notice. The Partnership also has the ability to settle any of the Class C LP Units at any time at a price equal to the greater of par and a price to provide a yield equal to the then equivalent Government of Canada bond yield plus a spread, so long as such redemption is in connection with a sale of properties. During the five-year period beginning immediately following the completion of the initial fixed rate period, and each five-year period thereafter, if not redeemed, the fixed payment rate for Class C LP Units will be reset, and the holders of Class C LP Units will be entitled, subject to certain conditions, to elect either a fixed rate or variable rate option. Such redemptions of Class C LP Units (other than upon a change of control of CT REIT) can be settled at the option of the Partnership, in cash or Class B LP Units of equal value. CT REIT 2023 ANNUAL REPORT 27 MANAGEMENT'S DISCUSSION AND ANALYSIS The following table presents the details of the Class C LP Units: $ $ $ Series of Class C LP Units Series 3 Series 4 Series 5 Series 6 Series 7 Series 8 Series 9 Series 16 Series 17 Series 18 Series 19 Total / weighted average Current Non-current Total 6.8 Debentures Series B, 3.53%, June 9, 2025 D, 3.29%, June 1, 2026 E, 3.47%, June 16, 2027 F, 3.87%, December 7, 2027 G, 2.37%, January 6, 2031 H, 3.03%, February 5, 2029 I, 5.83%, June 14, 2028 Total Subscription 200,000 200,000 200,000 200,000 200,000 200,000 200,000 Annual distribution rate during Current price Fixed Rate Period 2.37 % 4.50 % 4.50 % 5.00 % 5.00 % 5.00 % 5.00 % 2.37 % 2.37 % 2.37 % 2.37 % 4.41 % 4,900 16,550 18,500 11,600 1,451,550 Expiry of Current Fixed Rate % of Total Class C LP Units 13.78 % 13.78 % 13.78 % 13.78 % 13.78 % 13.78 % 13.78 % 1.14 % 1.27 % 0.34 % 0.79 % 100.0 % Period May 31, 2025 (1.4 years) May 31, 2024 (0.4 years) May 31, 2028 (4.4 years) May 31, 2031 (7.4 years) May 31, 2034 (10.4 years) May 31, 2035 (11.4 years) May 31, 2038 (14.4 years) May 31, 2025 (1.4 years) May 31, 2025 (1.4 years) May 31, 2025 (1.4 years) May 31, 2025 (1.4 years) 6.9 years 200,000 1,251,550 1,451,550 December 31, 2023 December 31, 2022 Face value Carrying amount Face value Carrying amount $ 200,000 $ 199,752 $ 200,000 $ 199,581 200,000 175,000 200,000 150,000 250,000 250,000 199,672 174,602 199,479 149,320 248,912 248,576 200,000 175,000 200,000 150,000 250,000 — 199,537 174,487 199,346 149,223 248,731 — $ 1,425,000 $ 1,420,313 $ 1,175,000 $ 1,170,905 Debentures as at December 31, 2023 had a weighted average interest rate of 3.73% (December 31, 2022 - 3.28%). On November 17, 2023, CT REIT completed the issuance of $250,000 of Series I unsecured debentures with a 4.6-year term and a coupon of 5.828% per annum. The net proceeds were used to repay short term indebtedness and for general business purposes. For the three months and year ended December  31, 2023, amortization of transaction costs of $263 (Q4 2022 - $213) and $905 (YTD 2022 - $900) was included in net interest and other financing charges on the consolidated statement of income and comprehensive income. 28 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS The debentures are rated “BBB” by S&P and “BBB” by Morningstar DBRS. The debentures are direct senior unsecured obligations of CT REIT. Refer to section 6.3 for further details. 6.9 Mortgages Payable Mortgages payable include the following: (in thousands of Canadian dollars) As at Current Non-current Total December 31, 2023 Carrying amount Face value December 31, 2022 Carrying amount Face value $ $ 391 $ 508 $ 56,078 $ 8,473 8,623 8,864 8,864 $ 9,131 $ 64,942 $ 56,167 9,128 65,295 Mortgages payable as at December 31, 2023 have an interest rate of 3.24% (December 31, 2022 weighted average interest rate – 5.49%). In Q1 2023, CT REIT repaid a mortgage which matured in March 2023 for $55,700. 6.10 Credit Facilities Bank Credit Facility CT REIT has a committed, unsecured $300,000 revolving credit facility with a syndicate of Canadian banks (“Bank Credit Facility”) maturing in September 2027. The Bank Credit Facility bears interest at a rate based on a stipulated bank prime rate or bankers’ acceptance plus a margin. A standby fee is charged on the Bank Credit Facility. As of December 31, 2023, the REIT had no draws on the Bank Credit Facility (December 31, 2022 - $99,884, at the weighted average interest rate of 6.16%), and $3,132 (December 31, 2022 – $4,999) of outstanding letters of credit. CTC Credit Facility CT REIT has an uncommitted, unsecured $300,000 revolving credit facility with CTC (“CTC Credit Facility”) maturing in December 2024. The CTC Credit Facility bears interest at a rate based on a stipulated bank prime rate or bankers’ acceptance plus a margin. As of December 31, 2023, the REIT had no draws on the CTC Credit Facility (December 31, 2022 – nil). The Bank Credit Facility and the CTC Credit Facility are herein collectively referred to as the “Credit Facilities”. CT REIT 2023 ANNUAL REPORT 29   MANAGEMENT'S DISCUSSION AND ANALYSIS The table below summarizes the details of the Credit Facilities as at December 31, 2023: (in thousands of Canadian dollars) Bank Credit Facility CTC Credit Facility 1 1Uncommitted facility subject to CTC discretion. Maximum draw amount Cash advances Letters of credit Available to be drawn $ $ 300,000 $ 300,000 $ — $ — $ 3,132 $ 296,868 — $ — The following section contains forward-looking information and readers are cautioned that actual results may vary. 6.11 Capital Strategy Management expects the REIT’s future debt will be in the form of: • Class C LP Units (treated as debt for accounting purposes); • • • funds drawn on the Credit Facilities; unsecured public debt; and secured debt. Management’s objectives are to access an optimal cost of capital with the most flexible terms, to have a maturity/redemption schedule (for fixed term obligations) spread over a time horizon so as to manage refinancing risk and to be in a position to finance acquisition and development opportunities when they become available. The Declaration of Trust and the Trust Indenture limit the REIT’s overall indebtedness ratio to 60% of total aggregate assets, excluding convertible debentures, and 65% including convertible debentures. As at December 31, 2023, CT REIT’s indebtedness ratio was 41.4%. Refer to section 6.6 of this MD&A for the definition and calculation of CT REIT’s indebtedness ratio. As at December 31, 2023, CT REIT was in compliance with the financial covenants contained in the Declaration of Trust, the Trust Indenture and the Credit Facilities. For the year ended December 31, 2023, CT REIT’s interest coverage ratio was 3.69 times. Refer to section 6.5 of this MD&A for the definition and calculation of CT REIT’s interest coverage ratio. Assuming a future economic environment that is stable, management does not foresee any material impediments to refinancing future debt maturities. 30 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS The following section contains forward-looking information and readers are cautioned that actual results may vary. 6.12 Commitments and Contingencies As at December 31, 2023, CT REIT had obligations of $171,513 (December 31, 2022 - $245,547) in future payments for the completion of developments, as described in section 4.6 of this MD&A. Included in the commitment is $163,042 due to CTC. CT REIT believes it has sufficient liquidity to fund these future commitments as a result of (i) its conservative use of leverage on the balance sheet; (ii) liquidity on hand; (iii) its Credit Facilities; (iv) an investment grade credit rating; (v) significant unencumbered assets; and (vi) sufficient operating cash flow retained in the business. 6.13 Base Shelf Prospectus On May 25, 2023, CT REIT renewed its short form base shelf prospectus (the “Base Shelf Prospectus”) under which it may issue debt and/or equity (including the sale of Units by CTC) over the 25-month period ending June 25, 2025. 6.14 Normal Course Issuer Bid On November 25, 2022, CT REIT received approval from the TSX to purchase up to 3,300,000 Units during the 12-month period commencing November 29, 2022, and ending November 28, 2023 by way of a normal course issuer bid (“NCIB”). During the year ended December 31, 2023, CT REIT acquired and cancelled 452,141 Units at a weighted average purchase price of $13.99 per Unit, for a total cost of $6,332. On November 27, 2023, a renewal of the NCIB (“2023-2024 NCIB”) was approved by the TSX to purchase up to 3,500,000 Units during the 12-month period commencing November 29, 2023, and ending November 28, 2024. On November 27, 2023, the TSX approved an automatic purchase plan (“APP”) in connection with the 2023-2024 NCIB which allows the REIT’s designated broker to periodically purchase Units during the REIT’s blackout periods, subject to pre-defined parameters in accordance with the rules of the TSX and applicable securities laws. As of December 31, 2023, the maximum obligation to repurchase Units under the APP of $12,300 was recognized in other liabilities. 6.15 At-the-Market Program On May 25, 2023, CT REIT established an at-the-market program (the “ATM Program”) that allows the REIT to issue up to $100,000 of Units from treasury to the public from time to time, at the REIT's discretion. During the three months and year ended December 31, 2023, no Units were issued under the ATM Program. CT REIT 2023 ANNUAL REPORT 31 MANAGEMENT'S DISCUSSION AND ANALYSIS 7.0 EQUITY 7.1 Authorized Capital and Outstanding Units CT REIT is authorized to issue an unlimited number of Units. As at December 31, 2023, CT REIT had a total of 108,321,650 Units outstanding, 33,989,508 of which were held by CTC, and 127,193,833 Class B LP Units outstanding (together with a corresponding number of Special Voting Units, as hereinafter defined), all of which were held by CTC. Class B LP Units are economically equivalent to Units, are accompanied by a special voting unit (“Special Voting Unit”) and are exchangeable at the option of the holder for Units (subject to certain conditions). Holders of the Class B LP Units are entitled to receive distributions when declared by the Partnership equal to the per unit amount of distributions payable on the Units. However, Class B LP Units have limited voting rights over the Partnership. The following tables summarize the total number of units issued: Total outstanding at beginning of year Units issued under Distribution Reinvestment Plan Units repurchased and cancelled Total outstanding at end of period Total outstanding at beginning of year Units issued under Distribution Reinvestment Plan Total outstanding at end of year Units 107,501,944 1,271,847 As at December 31, 2023 Class B LP Units 127,193,833 Total 234,695,777 — 1,271,847 (452,141) 108,321,650 — 127,193,833 (452,141) 235,515,483 As at December 31, 2022 Units Class B LP Units Total 106,304,288 126,880,857 233,185,145 1,197,656 312,976 1,510,632 107,501,944 127,193,833 234,695,777 Each Unit is transferable and represents an equal, undivided beneficial interest in the REIT and in any distributions from the REIT. Each Unit entitles the holder to one vote at all meetings of Voting Unitholders. Special Voting Units are only issued in tandem with Class B LP Units or in limited circumstances to holders of the Class C LP Units and are not transferable separately from the Class B LP Units or Class C LP Units to which they relate. Each Special Voting Unit entitles the holder thereof to one vote at all meetings of Voting Unitholders or with respect to any written resolution of Voting Unitholders. Except for the right to attend meetings and vote on resolutions, Special Voting Units do not confer upon the holders thereof any other rights. 32 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS Net income attributable to unitholders and weighted average units outstanding used in determining basic and diluted net income per unit are calculated as follows: (in thousands of Canadian dollars, except unit amounts) For the Year ended December 31, 2023 Units Class B LP Units Total Net income attributable to unitholders - basic $ 105,287 $ 124,147 $ 229,434 Income effect of settling Class C LP Units with Class B LP Units Net income attributable to unitholders - diluted Weighted average units outstanding - basic Dilutive effect of other unit plans Dilutive effect of settling Class C LP Units with Class B LP Units Weighted average number of units outstanding - diluted 63,962 $ 293,396 107,965,763 127,193,833 235,159,596 326,050 101,854,123 337,339,769 For the Year ended December 31, 2022 (in thousands of Canadian dollars, except unit amounts) Units Class B LP Units Total Net income attributable to unitholders - basic $ 148,264 $ 176,349 $ 324,613 Income effect of settling Class C LP Units with Class B LP Units Net income attributable to unitholders - diluted Weighted average units outstanding - basic Dilutive effect of other unit plans Dilutive effect of settling Class C LP Units with Class B LP Units Weighted average number of units outstanding - diluted 7.2 Equity (in thousands of Canadian dollars) As at Equity - beginning of period, as previously reported Net income and comprehensive income for the period Issuance of Class B LP Units, net of issue costs Distributions to non-controlling interests Distributions to Unitholders Issuance of Units under Distribution Reinvestment Plan and other Units repurchased and cancelled Automatic purchase plan Equity - end of the period 63,962 $ 388,575 106,893,856 127,123,521 234,017,377 288,433 93,706,035 328,011,845 December 31, 2023 December 31, 2022 $ 3,827,173 $ 3,678,149 229,434 — (112,637) (95,635) 18,066 (6,332) (12,300) 324,613 5,617 (108,827) (91,537) 19,158 — — $ 3,847,769 $ 3,827,173 CT REIT 2023 ANNUAL REPORT 33 MANAGEMENT'S DISCUSSION AND ANALYSIS The following section contains forward-looking information and readers are cautioned that actual results may vary. 7.3 Distributions CT REIT’s primary business goal is to accumulate a portfolio of high-quality real estate assets and deliver the benefits of such real estate ownership to Unitholders. The primary benefit to Unitholders is expected to be reliable, durable and growing distributions over time. In determining the amount of the monthly distributions paid to Unitholders, the Board applies discretionary judgment to forward-looking cash flow information, such as forecasts and budgets, in addition to many other factors including provisions in the Declaration of Trust, the macro-economic and industry-specific environment, debt maturities, covenants and taxable income. The Board regularly reviews CT REIT’s rate of distributions to ensure an appropriate level of distributions. The Board has discretion over the determination of monthly and annual distributions. On December 15, 2023, a distribution of $0.07485 per unit payable on January 15, 2024 was declared to holders of Units and Class B LP Units of record on December 29, 2023. On January 15, 2024, a distribution of $0.07485 per unit payable on February 15, 2024 was declared to holders of Units and Class B LP Units of record on January 31, 2024. One of CT REIT’s objectives is to grow monthly distributions. The distribution payments and increases since January 1, 2014 are as follows: Year 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 Effective date 1 Monthly distribution per unit % increase July July July $0.075 $0.072 $0.070 3.5 % 3.4 % 4.5 % Annualized distribution per unit $0.898 $0.868 $0.839 Annualized distribution increase per unit $0.030 $0.029 $0.036 January / September $0.066 / $0.067 4.0 % / 2.0 % $0.787 / $0.803 $0.030 / $0.016 January January January January January January $0.063 $0.061 $0.058 $0.057 $0.055 $0.054 4.0 % 4.0 % 2.9 % 2.6 % 2.0 % — $0.757 $0.728 $0.700 $0.680 $0.663 $0.650 $0.029 $0.028 $0.020 $0.017 $0.013 — 1 Month upon which the payment of the monthly distribution increase became effective. 34 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS (in thousands of Canadian dollars, except per unit amounts) Three Months Ended Year Ended For the periods ended December 31, Distributions before distribution reinvestment - paid Distribution reinvestment Distributions net of distribution reinvestment - paid Distributions per unit - paid 2023 2022 2023 2022 52,849 $ 50,873 $ 207,616 $ 199,699 4,699 4,745 18,509 19,158 48,150 $ 46,128 $ 189,107 $ 180,541 0.225 $ 0.217 $ 0.883 $ 0.854 $ $ $ Distributions for the three months and year ended December 31, 2023 are higher than the same period in the prior year due to the increase in distributions which became effective with the monthly distributions paid in July 2022 and July 2023, respectively. Net income prepared in accordance with IFRS recognizes certain revenues and expenses at time intervals that do not match the receipt or payment of cash. Therefore, in applying judgment, consideration is given to AFFO (a non-GAAP measure of recurring economic earnings used to assess distribution capacity, refer to section 10.0) and other factors when determining distributions to unitholders. CT REIT’s distributions for the three months and year ended December  31, 2023 are less than the REIT’s cash generated from operating activities, cash generated from operating activities reduced by net interest and other financing charges, and AFFO, a non-GAAP financial measure, which is an indicator of CT REIT’s distribution capacity. (in thousands of Canadian dollars, except per unit amounts) Three Months Ended Year Ended For the periods ended December 31, AFFO 1 Distributions before distribution reinvestment - paid Excess of AFFO over distributions paid (A) 1 Weighted average units outstanding - diluted (non-GAAP) (B) 2 Excess of AFFO over distributions paid per unit (A)/(B) 2 2023 2022 2023 2022 71,474 $ 68,515 $ 283,389 $ 268,783 52,849 $ 50,873 207,616 18,625 $ 17,642 $ 75,773 $ 199,699 69,084 235,723,101 234,836,723 235,485,646 234,305,809 0.079 $ 0.075 $ 0.322 $ 0.295 $ $ $ 1 Non-GAAP financial measure. Refer to section 10.1 for further information. 2 Non-GAAP ratio. Refer to section 10.2 for further information. 7.4 Book Value Per Unit Book value per unit represents total equity from the consolidated balance sheets divided by the sum of the period end Units and Class B LP Units outstanding. It is an indication of the residual book value available to unitholders. As well, book value per unit is compared to the REIT’s Unit trading price in order to measure a premium or discount. (in thousands of Canadian dollars, except for per unit amounts) As at Total equity (A) Period-end Units and Class B LP Units outstanding (B) Book value per unit (A)/(B) December 31, 2023 December 31, 2022 $ $ 3,847,769 $ 3,827,173 235,515,483 234,695,777 16.34 $ 16.31 CT REIT’s book value per unit as at December  31, 2023 increased from the book value per unit as at December  31, 2022 primarily due to net income exceeding distributions. CT REIT 2023 ANNUAL REPORT 35 MANAGEMENT'S DISCUSSION AND ANALYSIS 8.0 RELATED PARTY TRANSACTIONS On December  31, 2023, CT REIT’s controlling unitholder, CTC, held a 68.4% effective interest in the REIT, through the ownership of 33,989,508 Units and all of the issued and outstanding Class B LP Units. CTC also owns all of the Class C LP Units. Refer to section 6.7 of this MD&A for additional information on Class C LP Units. In addition to its ownership interest, CTC is CT REIT’s most significant tenant representing approximately 91.3% of the total annualized base minimum rent earned by CT REIT and 92.1% of total GLA as at December 31, 2023. In the normal course of its operations, CT REIT enters into various transactions with related parties that have been valued at amounts agreed to between the parties and recognized in the consolidated financial statements. Investment property transactions with CTC amounted to $117,738 (2022 - $203,071) for the year ended December 31, 2023. Refer to Note 4 to the consolidated financial statements for additional information. CT REIT entered into the CTC Credit Facility in December 2019. Refer to section 6.10 of this MD&A for additional information. CT REIT’s policy is to conduct all transactions and settle all balances, with related parties, on market terms and conditions. Pursuant to the Declaration of Trust, related party transactions are generally subject to the approval of the independent trustees of the Board. CT REIT and CTC are parties to a number of commercial agreements which govern the relationships among such parties, including the Services Agreement and the Property Management Agreement described below. Services Agreement Under the Services Agreement, as amended and restated as of August 8, 2023, CTC provides the REIT with certain administrative, information technology, internal audit and other support services as may be reasonably required from time to time (the “Services”). CTC provides these Services to the REIT on a cost recovery basis pursuant to which CT REIT reimburses CTC for all costs and expenses incurred by CTC in connection with providing the Services, plus applicable taxes. The Services Agreement is automatically renewable for one year terms, unless otherwise terminated in accordance with its terms. The Services Agreement was automatically renewed for 2024 and CTC will continue to provide such Services on a cost recovery basis. Property Management Agreement Under the Property Management Agreement, as amended and restated as of August 8, 2023, CTC provides the REIT with certain property management services (the ‘‘Property Management Services’’).  CTC provides these Property Management Services to the REIT on a cost recovery basis pursuant to which the REIT reimburses CTC for all costs and expenses incurred by CTC in connection with providing the Property Management Services, plus applicable taxes. The Property Management Agreement is automatically renewable for one year terms, unless otherwise terminated in accordance with its terms. The Property Management Agreement was automatically renewed for 2024 and CTC will continue to provide such Property Management Services on a cost recovery basis. 36 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS CTC Credit Facility CT REIT has a Credit Facility with CTC that was entered into on December 18, 2019 and which is automatically renewed for one year terms, unless otherwise terminated in accordance with its terms. The CTC Credit Facility was automatically renewed in December 2023 and expires on December 31, 2024. The CTC Credit Facility bears interest at a rate based on a stipulated bank prime rate or bankers’ acceptance, plus a margin. Refer to CT REIT’s 2023 AIF for additional information on related party agreements and arrangements with CTC. The following table summarizes CT REIT’s related party transactions for the period ended December  31, 2023, excluding acquisition, intensification and development activities which are contained in section 4.0: (in thousands of Canadian dollars) For the periods ended December 31, Rental revenue Property Management and Services Agreement expense Distributions on Units Distributions on Class B LP Units 1 Interest expense on Class C LP Units Interest expense on the CTC Credit Facility 1 Includes distributions deferred at the election of the holders of the Class B LP Units. The net balance due to CTC is comprised of the following: (in thousands of Canadian dollars) As at Tenant and other receivables Class C LP Units Amounts payable on Class C LP Units Loans receivable in respect of payments on Class C LP Units Other liabilities Distributions payable on Units and Class B LP Units 1 Loans receivable in respect of distributions on Class B LP Units Year Ended 2023 2022 494,321 $ 475,851 1,575 $ 30,100 $ 1,550 29,092 112,637 $ 108,827 63,962 $ 63,962 1,661 $ 958 $ $ $ $ $ $ December 31, 2023 December 31, 2022 $ (2,613) $ 1,451,550 63,962 (58,631) 50,514 37,363 (25,298) (1,331) 1,451,550 63,962 (58,631) 48,713 36,066 (24,409) Net balance due to CTC $ 1,516,847 $ 1,515,920 1 Includes distributions deferred at the election of the holders of the Class B LP Units. CT REIT 2023 ANNUAL REPORT 37 MANAGEMENT'S DISCUSSION AND ANALYSIS 9.0 ACCOUNTING POLICIES AND ESTIMATES 9.1 Significant Areas of Estimation The preparation of the consolidated financial statements requires management to apply judgments, and to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues and expenses. Estimates are based upon historical experience and on various other assumptions that are reasonable under the circumstances. The result of ongoing evaluation of these estimates forms the basis for applying judgment with regards to the carrying values of assets and liabilities and the reported amounts of revenues and expenses. Actual results may differ from estimates. CT REIT’s critical judgments and estimates in applying material accounting policies are described in Note 2 of the consolidated financial statements, the most significant of which is the fair value of investment properties. Fair Value of Investment Properties To determine fair value, CT REIT uses the discounted cash flow method. Fair value is estimated by capitalizing the cash flows that the property can reasonably be expected to produce over its remaining economic life. Properties Under Development are initially recorded at cost and are adjusted to fair value at each balance sheet date with the fair value adjustment recognized in earnings. 9.2 Standards, Amendments and Interpretations Issued and Adopted The following amendment was adopted for the fiscal year ended December  31, 2023, and accordingly, has been applied in preparing these consolidated financial statements. Improving accounting estimates (Amendments to IAS 8) In February 2021, the International Accounting Standards Board (“IASB”) issued narrow-scope amendments to IAS 8 Accounting Policies, Changes in Accounting Estimates and Errors. Amendments to IAS 8 clarify how companies should distinguish changes in accounting policies from changes in accounting estimates. That distinction is important because changes in accounting estimates are applied prospectively only to future transactions and other future events, whereas changes in accounting policies are generally applied retrospectively to past transactions and other past events. The implementation of these amendments did not have a significant impact on CT REIT. 9.3 Standards, Amendments and Interpretations Issued but Not Yet Adopted The following new standards, amendments and interpretations have been issued but are not effective for the fiscal year ended December 31, 2023, and, accordingly, have not been applied in preparing these consolidated financial statements. CT REIT is assessing the potential impact of these amendments. In January 2020, the IASB issued an amendment to IAS 1, Presentation of Financial Statements to clarify its requirements for the presentation of liabilities in the statement of financial position. The amendment clarified that the classification of liabilities as current or non-current is based on rights that are in existence at the end of the reporting period and that classification is unaffected by expectations about whether an entity will exercise its right to defer settlement of a liability. It also introduced a 38 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS definition of ‘settlement’ to make clear that settlement refers to the transfer to the counterparty of cash, equity instruments, other assets or services. On October 31, 2022, the IASB issued Non-Current Liabilities with Covenants (Amendments to IAS 1). These amendments specify that covenants to be complied with after the reporting date do not affect the classification of debt as current or non-current at the reporting date. The amendments are effective for annual reporting periods beginning on or after January 1, 2024. Earlier application is permitted. The implementation of these amendments is not expected to have a significant impact on CT REIT. CT REIT 2023 ANNUAL REPORT 39 MANAGEMENT'S DISCUSSION AND ANALYSIS 10.0 SPECIFIED FINANCIAL MEASURES CT REIT uses specified financial measures as defined by the Canadian Securities Administrators (“CSA”)’s National Instrument 52-112 Non-GAAP and Other Financial Measures Disclosure issued on August 25, 2021. CT REIT believes these specified financial measures provide useful information to both management and investors in measuring the financial performance of CT REIT and its ability to meet its principal objective of creating unitholder value over the long term by generating reliable, durable and growing monthly cash distributions on a tax-efficient basis. These specified financial measures include non-GAAP financial measures and non-GAAP ratios which do not have a standardized meaning prescribed by GAAP and therefore they may not be comparable to similarly titled measures and ratios presented by other publicly traded entities and should not be construed as an alternative to other financial measures determined in accordance with GAAP. 10.1 Non-GAAP Financial Measures Non-GAAP financial measures are not standardized financial measures under the IFRS financial reporting framework used to prepare the REIT’s financial statements to which the measure relates. As such, non-GAAP financial measures may not be comparable to similar financial measures disclosed by other public entities. Certain non-GAAP financial measures for the real estate industry have been defined by the Real Property Association of Canada (“REALPAC”) under its publications, “REALPAC Funds From Operations & Adjusted Funds From Operations for IFRS” (“REALPAC FFO & AFFO”) and “REALPAC Adjusted Cashflow from Operations for IFRS” (“REALPAC ACFO”). The purpose of the publications is to provide guidance on the definition of certain non-GAAP financial measures to promote consistent disclosure amongst reporting issuers. Management has identified the following non-GAAP financial measures in this MD&A: • Net Operating Income (“NOI”) • • • • • • Same store NOI Same property NOI Intensifications NOI Acquisitions, developments, dispositions NOI Funds from Operations (“FFO”) Adjusted Funds from Operations (“AFFO”) • Capital expenditure reserve • • • Adjusted Cash Flow from Operations (“ACFO”) Earnings Before Interest, Taxes and Fair Value (“EBITFV”) Excess of AFFO over distributions paid • Non-operating adjustments to working capital 40 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS 10.1 (a) Net Operating Income NOI is a non-GAAP financial measure defined as property revenue less property expense, adjusted for straight-line rent. The most directly comparable primary financial statement measure is property revenue. Management believes that NOI is a useful key indicator of performance as it represents a measure of property operations over which management has control. NOI is also a key input in determining the fair value of the portfolio of Properties. NOI should not be considered as an alternative to property revenue or net income and comprehensive income, both of which are determined in accordance with IFRS. (in thousands of Canadian dollars) Three Months Ended Year Ended For the periods ended December 31, 2023 2022 Change ¹ 2023 2022 Change ¹ Property revenue Less: Property expense $ 139,968 $ 135,175 3.5 % $ 552,772 $ 532,795 3.7 % (28,842) (27,833) 3.6 % (115,523) (111,133) 4.0 % Property straight-line rent revenue 386 (579) NM 1,707 (1,844) Net operating income ¹ NM - not meaningful. 10.1 (b) Same Store NOI $ 111,512 $ 106,763 4.4 % $ 438,956 $ 419,818 NM 4.6 % Same store NOI is a non-GAAP financial measure which reports the period-over-period performance of the same asset base having consistent GLA in both periods. CT REIT management believes same store NOI is a useful measure to gauge the change in asset productivity and asset value. The most directly comparable primary financial statement measure is property revenue. Same store NOI should not be considered as an alternative to property revenue or net income and comprehensive income, both of which are determined in accordance with IFRS. 10.1 (c) Same Property NOI Same property NOI is a non-GAAP financial measure that is consistent with the definition of same store NOI above, except that same property includes the NOI impact of intensifications. Management believes same property NOI is a useful measure to gauge the change in asset productivity and asset value, as well as measure the additional return earned by incremental capital investments in existing assets. The most directly comparable primary financial statement measure is property revenue. Same property NOI should not be considered as an alternative to property revenue or net income and comprehensive income, both of which are determined in accordance with IFRS. 10.1 (d) Intensifications NOI Intensifications NOI is a non-GAAP financial measure that is consistent with the definition of NOI above with respect to same property having increased GLA relative to the comparative period. CT REIT management believes intensifications NOI is a useful measure to understand the impact of increased GLA on asset productivity and asset value for same property. The most directly comparable primary financial statement measure is property revenue. Intensifications NOI should not be considered as an alternative to property revenue or net income and comprehensive income, both of which are determined in accordance with IFRS. CT REIT 2023 ANNUAL REPORT 41 MANAGEMENT'S DISCUSSION AND ANALYSIS 10.1 (e) Acquisitions, Developments and Dispositions NOI Acquisitions, developments and dispositions NOI is a non-GAAP financial measure that is consistent with the definition of NOI above with respect to new property or dispositions of property not included in same property NOI. CT REIT management believes acquisitions, developments, and dispositions NOI is a useful measure to gauge the change in asset productivity and asset value. The most directly comparable primary financial statement measure is property revenue. Acquisitions, developments, and dispositions NOI should not be considered as an alternative to property revenue or net income and comprehensive income, both of which are determined in accordance with IFRS. The following table summarizes the same store and same property components of NOI: (in thousands of Canadian dollars) For the periods ended December 31, Same store Intensifications 2023 2022 Same property Acquisitions and developments 2023 2022 Net operating income Add: Property expense Property straight-line rent revenue Property Revenue ¹ NM - not meaningful. Three Months Ended 2023 2022 $ 107,552 $ 105,210 Change ¹ Year Ended 2022 2023 2.2 % $ 421,694 $ 411,478 1,175 967 — 665 NM 45.4 % 2,294 8,994 — 3,521 $ 109,694 $ 105,875 3.6 % $ 432,982 $ 414,999 1,445 373 — 888 NM (58.0)% 4,947 1,027 966 3,853 $ 111,512 $ 106,763 4.4 % $ 438,956 $ 419,818 28,842 27,833 (386) 579 $ 139,968 $ 135,175 3.6 % NM 115,523 111,133 (1,707) 3.5 % $ 552,772 $ 532,795 1,844 Change ¹ 2.5 % NM NM 4.3 % NM (73.3)% 4.6 % 4.0 % NM 3.7 % 10.1 (f) Funds From Operations and Adjusted Funds From Operations The following table reconciles GAAP net income and comprehensive income to FFO and further reconciles FFO to AFFO: (in thousands of Canadian dollars) For the periods ended December 31, Three Months Ended 2023 2022 Change ¹ Year Ended 2023 2022 Change ¹ Net Income and comprehensive income $ 38,239 $ 74,749 (48.8)% $ 229,434 $ 324,613 (29.3)% Fair value adjustment on investment property 39,334 860 NM 78,636 (27,845) GP income tax expense Lease principal payments on right-of-use assets Fair value adjustment of unit-based compensation Internal leasing expense Funds from operations Property straight-line rent revenue Direct leasing costs 2, 3 Capital expenditure reserve 2 NM NM (115) (564) 51.1 % (866) (27.8)% (628) (171) 523 407 (495) 26.9 % (145) 17.9 % 276 325 89.5 % 25.2 % 31 (852) (625) 1,290 981 31.5 % $ 77,704 $ 75,570 2.8 % $ 307,914 $ 296,204 4.0 % 386 (290) (579) NM 1,707 (233) 24.5 % (1,190) (1,844) (547) NM NM (6,326) (6,243) 1.3 % (25,042) (25,030) — % Adjusted funds from operations $ 71,474 $ 68,515 4.3 % $ 283,389 $ 268,783 5.4 % ¹ NM - not meaningful. 2 Comparatives have been restated to conform with current year’s presentation. 3 Excludes internal and external leasing costs related to development projects. 42 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS Funds From Operations FFO is a non-GAAP financial measure of operating performance used by the real estate industry, particularly by those publicly traded entities that own and operate income-producing properties. The most directly comparable primary financial statement measure is net income and comprehensive income. FFO should not be considered as an alternative to net income or cash flows provided by operating activities determined in accordance with IFRS. CT REIT calculates its FFO in accordance with REALPAC FFO & AFFO. The use of FFO, together with the required IFRS presentations, has been included for the purpose of improving the understanding of the operating results of CT REIT. Management believes that FFO is a useful measure of operating performance that, when compared period-over-period, reflects the impact on operations of trends in occupancy levels, rental rates, operating costs and property taxes, acquisition activities and interest costs, and provides a perspective of the financial performance that is not immediately apparent from net income determined in accordance with IFRS. FFO adds back to net income items that do not arise from operating activities, such as fair value adjustments. FFO, however, still includes non-cash revenues related to accounting for straight-line rent and makes no deduction for the recurring capital expenditures necessary to sustain the existing earnings stream. Adjusted Funds From Operations AFFO is a non-GAAP financial measure of recurring economic earnings used in the real estate industry to assess an entity’s distribution capacity. The most directly comparable primary financial statement measure is net income and comprehensive income. AFFO should not be considered as an alternative to net income or cash flows provided by operating activities determined in accordance with IFRS. CT REIT calculates its AFFO in accordance with REALPAC FFO & AFFO. CT REIT calculates AFFO by adjusting FFO for non-cash income and expense items such as amortization of straight-line rents. AFFO is also adjusted for a reserve for maintaining the productive capacity required for sustaining property infrastructure and revenue from real estate properties and direct leasing costs. As property capital expenditures do not occur evenly during the fiscal year or from year to year, the capital expenditure reserve in the AFFO calculation, which is used as an input in assessing the REIT’s distribution payout ratio, is intended to reflect an average annual spending level. The reserve is primarily based on average expenditures as determined by building condition reports prepared by independent consultants. Management believes that AFFO is a useful measure of operating performance similar to FFO as described above, adjusted for the impact of non-cash income and expense items. CT REIT 2023 ANNUAL REPORT 43 MANAGEMENT'S DISCUSSION AND ANALYSIS 10.1 (g) Capital Expenditure Reserve The following table compares and reconciles recoverable capital expenditures since 2013 to the capital expenditure reserve used in the calculation of AFFO during that period: (in thousands of Canadian dollars) For the periods indicated October 23, 2013 to December 31, 2017 Year ended December 31, 2018 Year ended December 31, 2019 Year ended December 31, 2020 Year ended December 31, 2021 2022 Q1 Q2 Q3 Q4 Year ended December 31, 2022 2023 Q1 Q2 Q3 Q4 Year ended December 31, 2023 Total 1 Comparatives have been restated to conform with current year’s presentation. Capital expenditure reserve 1 Recoverable capital expenditures 74,266 $ 66,418 $ 22,517 $ 17,699 $ 23,431 $ 20,549 $ 24,254 $ 18,091 $ Variance 7,848 4,818 2,882 6,163 24,387 $ 33,994 $ (9,607) 6,213 $ 1,966 $ 6,227 6,347 6,243 2,502 7,464 14,903 25,030 $ 26,835 $ 6,327 $ 824 $ 6,181 6,208 6,326 4,852 10,818 17,782 25,042 $ 34,276 $ 218,927 $ 217,862 $ 4,247 3,725 (1,117) (8,660) (1,805) 5,503 1,329 (4,610) (11,456) (9,234) 1,065 $ $ $ $ $ $ $ $ $ $ The capital expenditure reserve is a non-GAAP financial measure and management believes the reserve is a useful measure to understand the normalized capital expenditures required to maintain property infrastructure. Recoverable capital expenditures are the most directly comparable measure disclosed in the REIT’s primary financial statements. The capital expenditure reserve should not be considered as an alternative to recoverable capital expenditures, which is determined in accordance with IFRS. The capital expenditure reserve exceeded recoverable capital expenditures by $1,065 during the period from October 23, 2013 through December  31, 2023. The capital expenditure reserve per square foot has increased since 2013, which reflects changes in asset mix (primarily due to an increase in multi-tenanted retail investment properties) and inflation in expected costs. Management expects there will be periods in the future where recoverable capital expenditures will exceed the capital expenditure reserve. The current period reserve is based upon unit costs that are anticipated to be realized in work to be completed in the current period. The capital expenditure reserve varies from the capital expenditures incurred due to the seasonal nature of the expenditures. As such, CT REIT views the capital expenditure reserve as a meaningful measure. Refer to section 4.11 for additional information. 44 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS 10.1 (h) Adjusted Cash Flow from Operations ACFO is a non-GAAP financial measure developed by REALPAC for use by the real estate industry as a sustainable economic cash flow metric. ACFO should not be considered as an alternative to cash flows provided by operating activities determined in accordance with IFRS. CT REIT calculates its ACFO in accordance with REALPAC ACFO. Management believes that the use of ACFO, combined with the required IFRS presentations, improves the understanding of the operating cash flow of CT REIT. CT REIT calculates ACFO from cash flow generated from operating activities by adjusting for non-operating adjustments to changes in working capital and other, net interest and other financing charges, capital expenditure reserve, and lease payments. The most directly comparable GAAP measure in the primary financial statements is Cash Generated from Operating Activities. A reconciliation from the IFRS term “Cash Generated from Operating Activities” (refer to the Consolidated Statements of Cash Flows for the year ended December 31, 2023 and December 31, 2022) to ACFO is as follows: (in thousands of Canadian dollars) For the periods ended December 31, Three Months Ended Year Ended 2023 2022 Change ¹ 2023 2022 Change ¹ Cash generated from operating activities $ 118,316 $ 123,937 (4.5)% $ 425,055 $ 399,273 6.5 % Non-operating adjustments to changes in working capital and other (9,449) (308) NM (5,296) 5,193 NM Net interest and other financing charges (29,425) (27,703) 6.2 % (113,942) (110,416) 3.2 % External leasing expenses not related to development (94) (77) 22.1 % (571) (77) Capital expenditure reserve 2 (6,326) (6,243) 1.3 % (25,042) (25,030) NM — % Lease principal payments on right-of-use assets (171) (145) 17.9 % (852) (564) 51.1 % Adjusted cashflow from operations 2 ¹ NM - not meaningful. ² Comparatives have been restated to conform with current year’s presentation. $ 72,851 $ 89,461 (18.6)% $ 279,352 $ 268,379 4.1 % 10.1 (i) Earnings Before Interest and Other Financing Costs, Taxes and Fair Value Adjustments EBITFV is a non-GAAP financial measure of a REIT’s operating cash flow and it is used in addition to IFRS net income because it excludes major non-cash items (including fair value adjustments), interest expense and other financing costs, income tax expense, losses or gains on disposition of property, and other non-recurring items that may occur under IFRS that management considers non-operating in nature. The most directly comparable GAAP measure in the primary financial statements is net income and comprehensive income. EBITFV should not be considered as an alternative to net income and comprehensive income or cash flows provided by operating activities determined in accordance with IFRS. EBITFV is used as an input in some of CT REIT’s debt metrics, providing information with respect to certain financial ratios that CT REIT uses in measuring its debt profile and assessing its ability to satisfy its obligations, including servicing its debt. CT REIT 2023 ANNUAL REPORT 45 MANAGEMENT'S DISCUSSION AND ANALYSIS For the three months and year ended December 31, 2023, EBITFV was calculated as follows: (in thousands of Canadian dollars) Three Months Ended Year Ended For the periods ended December 31, 2023 2022 Change ¹ 2023 2022 Change ¹ Net income and comprehensive income $ 38,239 $ 74,749 (48.8)% $ 229,434 $ 324,613 (29.3)% Fair value adjustment on investment properties Fair value adjustment on unit-based awards 39,334 523 860 276 Interest expense and other financing charges 29,795 27,743 89.5 % 7.4 % NM 78,636 (27,845) NM (625) (866) (27.8)% 114,482 110,672 3.4 % NM (628) (495) 26.9 % 31 (115) $ 107,263 $ 103,133 4.0 % $ 421,958 $ 406,459 3.8 % GP income tax expense EBITFV ¹ NM - not meaningful. 10.1 (j) Excess of AFFO over Distributions Paid Excess of AFFO over distributions paid is a non-GAAP financial measure. Management believes this measure is useful as it is an indicator of CT REIT’s distribution capacity. Net income and comprehensive income is the most directly comparable financial measure that is disclosed in the REIT’s primary financial statements. Refer to the table in 10.1 (f) reconciling net income and comprehensive income to AFFO. (in thousands of Canadian dollars) For the periods ended December 31, AFFO Distributions before distribution reinvestment - paid Excess of AFFO over distributions paid Three Months Ended Year Ended 2023 2022 2023 2022 71,474 $ 68,515 $ 283,389 $ 268,783 52,849 50,873 207,616 199,699 18,625 $ 17,642 $ 75,773 $ 69,084 $ $ 10.1 (k) Non-operating Adjustments to Working Capital Non-operating adjustments to working capital is a non-GAAP financial measure used in the calculation of ACFO described above. The most directly comparable primary financial statement measure is changes in working capital and other. This measure should not be considered as an alternative to changes in working capital and other determined in accordance with IFRS. CT REIT calculates its non-operating adjustments to working capital in accordance with REALPAC ACFO. Management believes non-operating adjustments to working capital is a useful improvement to the understanding of the operating cash flow of CT REIT, by eliminating fluctuations due to changes in accounts receivable, accounts payable and other working capital items that are not indicative of sustainable cash available for distribution to unitholders. (in thousands of Canadian dollars) For the periods ended December 31, Changes in working capital and other Add/(deduct): Change in tenant and other receivables Change in other non-current liabilities Change in other liabilities Other Three months ended Year ended 2023 2022 2023 $ (11,560) $ (21,699) $ (1,305) $ (618) 1,007 (940) 2,662 9,292 866 11,722 (489) 31 48 (3,432) (638) 2022 5,952 (256) (346) 1,053 (1,210) Non-operating adjustments to changes in working capital and other $ (9,449) $ (308) $ (5,296) $ 5,193 46 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS The composition of non-operating adjustments to working capital is made up of: (in thousands of Canadian dollars) For the periods ended December 31, Other non-current assets Other current assets Tenant and other receivables Other liabilities Three months ended Year ended $ 2023 174 $ (13,347) (2,474) 6,198 2022 (247) $ (12,104) (3,077) 15,120 2023 101 $ 252 (249) (5,400) 2022 (382) 1,299 593 3,683 Non-operating adjustments to changes in working capital and other $ (9,449) $ (308) $ (5,296) $ 5,193 10.2 Non-GAAP Ratios Non-GAAP ratios are not standardized financial measures under the IFRS financial reporting framework used to prepare the REIT’s financial statements to which the measure relates. As such, non-GAAP ratios may not be comparable to similar financial measures disclosed by other public entities. Management has identified the following non-GAAP ratios in this MD&A: • • • • • • • • • AFFO payout ratio FFO per unit - basic FFO per unit - diluted (non-GAAP) AFFO per unit - basic AFFO per unit - diluted (non-GAAP) Excess of AFFO over distributions paid per unit Total indebtedness to EBITFV Interest coverage ratio Adjusted general and administrative expense as a percent of property revenue 10.2 (a) AFFO Payout Ratio The AFFO payout ratio is a non-GAAP ratio which measures the sustainability of the REIT’s distribution payout. Management believes this is a useful measure to investors since this metric provides transparency on performance. Management considers the AFFO payout ratio to be the best measure of the REIT’s distribution capacity. The AFFO payout ratio is not a standardized financial measure under IFRS and should not be considered as an alternative to other ratios determined in accordance with IFRS. The component of the AFFO payout ratio, which is a non-GAAP financial measure, is AFFO, and the composition of the AFFO payout ratio is as follows: Three Months Ended Year Ended For the periods ended December 31, 2023 2022 Change 2023 2022 Change Distribution per unit - paid (A) 1 AFFO per unit - diluted (non-GAAP) (B) $ $ 0.225 0.303 $ $ 0.217 0.292 3.5 % $ 0.883 3.8 % $ 1.203 $ $ 0.854 1.147 3.5 % 4.9 % AFFO payout ratio (A)/(B) 74.3 % 74.3 % — % 73.4 % 74.5 % (1.1)% 1 For the purposes of calculating diluted per unit amounts, diluted units include restricted and deferred units issued under various plans and excludes the effects of settling the Class C LP Units with Class B LP Units. CT REIT 2023 ANNUAL REPORT 47 MANAGEMENT'S DISCUSSION AND ANALYSIS 10.2 (b) FFO per unit - Basic, FFO per unit - Diluted (non-GAAP), AFFO per unit - Basic and AFFO per unit - Diluted (non-GAAP) FFO per unit - basic, FFO per unit - diluted (non-GAAP), AFFO per unit - basic and AFFO per unit - diluted (non-GAAP) are non-GAAP ratios and reflect FFO and AFFO on a weighted average per unit basis. Management believes these non-GAAP ratios are useful measures to investors since the measures indicate the impact of FFO and AFFO, respectively, in relation to an individual per unit investment in the REIT. When calculating diluted per unit amounts, diluted units include restricted and deferred units issued under various plans and exclude the effects of settling the Class C LP Units with Class B LP Units. Management believes that FFO per unit ratios are useful measures of operating performance that, when compared period- over-period, reflect the impact on operations of trends in occupancy levels, rental rates, operating costs and property taxes, acquisition activities and interest costs, and provides a perspective of the financial performance that is not immediately apparent from net income per unit determined in accordance with IFRS. Management believes that AFFO per unit ratios are useful measures of operating performance similar to FFO as described above, adjusted for the impact of non-cash income and expense items. The FFO per unit and AFFO per unit ratios are not standardized financial measures under IFRS and should not be considered as an alternative to other ratios determined in accordance with IFRS. The component of the FFO per unit ratios, which is a non-GAAP financial measure, is FFO, and the component of AFFO per unit ratios, which is a non-GAAP financial measure, is AFFO. For the periods ended December 31, Funds from operations/unit - basic Funds from operations/unit - diluted (non-GAAP) For the periods ended December 31, Adjusted funds from operations/unit - basic Adjusted funds from operations/unit - diluted (non- GAAP) Three Months Ended Year Ended 2023 2022 Change 2023 2022 Change 0.330 $ 0.322 0.330 $ 0.322 2.5 % $ 2.5 % $ 1.309 $ 1.266 1.308 $ 1.264 3.4 % 3.5 % Three Months Ended Year Ended 2023 2022 Change 2023 2022 Change 0.304 $ 0.292 4.1 % $ 1.205 $ 1.149 4.9 % 0.303 $ 0.292 3.8 % $ 1.203 $ 1.147 4.9 % $ $ $ $ Management calculates the weighted average units outstanding - diluted (non-GAAP) by excluding the full conversion of the Class C LP Units to Class B LP Units, which is not considered a likely scenario. As such, the REIT’s fully diluted per unit FFO and AFFO amounts are calculated, excluding the effects of settling the Class C LP Units with Class B LP Units, which management considers a more meaningful measure. 10.2 (c) Excess of AFFO over Distributions Paid per unit Excess of AFFO over distributions paid per unit is a non-GAAP ratio and reflects excess of AFFO over distributions on a weighted average per unit basis. Management believes this non-GAAP ratio is a useful measure to investors since it is an indicator of CT REIT’s distribution capacity in relation to an individual per unit investment in the REIT. The excess of AFFO over distributions paid per unit is not a standardized financial measure under IFRS and should not be considered as an alternative to other ratios determined in accordance with IFRS. The component of the excess of AFFO over distributions paid per unit which is a non-GAAP financial measure is excess of AFFO over distributions paid. The composition of the excess of AFFO over distributions paid per unit is as follows: 48 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS (in thousands of Canadian dollars, except per unit amounts) Three Months Ended Year Ended For the periods ended December 31, Excess of AFFO over distributions paid (A) Weighted average units outstanding - diluted (non-GAAP) (B) Excess of AFFO over distributions paid per unit (A)/(B) 2023 2022 2023 18,625 $ 17,642 $ 75,773 $ 2022 69,084 235,723,101 234,836,723 235,485,646 234,305,809 0.079 $ 0.075 $ 0.322 $ 0.295 $ $ 10.2 (d) Total Indebtedness to EBITFV Total indebtedness to EBITFV is a non-GAAP ratio. Management believes this non-GAAP ratio is a useful measure to investors since it provides an understanding of the REIT’s ability to meet its debt obligations in relation to the degree it is leveraged. Total indebtedness to EBITFV should not be considered as an alternative to other ratios determined in accordance with IFRS. The component of total indebtedness to EBITFV which is a non-GAAP financial measure is EBITFV. The composition of this ratio is as follows: (in thousands of Canadian dollars) As at Total indebtedness EBITFV Total indebtedness / EBITFV December 31, 2023 December 31, 2022 $ $ 2,880,994 $ 421,958 6.83 2,787,634 406,459 6.86 10.2 (e) Interest Coverage Ratio Interest coverage ratio is a non-GAAP ratio which management believes to be a useful indicator of an entity’s ability to service its debt. Generally, the higher the ratio is, the lower the risk of default on debt. This non-GAAP ratio is not a standardized financial measure under IFRS and should not be considered as an alternative to other ratios determined in accordance with IFRS. The component of interest coverage ratio which is a non-GAAP financial measure is EBITFV. (in thousands of Canadian dollars) For the periods ended December 31, EBITFV (A) Interest expense and other financing charges (B) Interest coverage ratio (A)/(B) Three Months Ended Year Ended $ $ 2023 2022 2023 2022 107,263 $ 103,133 $ 421,958 $ 406,459 29,795 $ 27,743 $ 114,482 $ 110,672 3.60 3.72 3.69 3.67 10.2 (f) Adjusted General and Administrative Expense as a Percent of Property Revenue Adjusted general and administrative expense as a percent of property revenue is a non-GAAP ratio. Management believes this ratio is a useful measure since it is an indicator of an entity’s ability to manage its general and administrative expenses in relation to property revenue without the influence of non-controllable fair value adjustments on unit-based awards. This non- GAAP ratio is not a standardized financial measure under IFRS and should not be considered as an alternative to other ratios determined in accordance with IFRS. The component of adjusted general and administrative expense as a percent of property revenue which is a non-GAAP financial measure is adjusted general and administrative expense. CT REIT 2023 ANNUAL REPORT 49 MANAGEMENT'S DISCUSSION AND ANALYSIS (in thousands of Canadian dollars) For the year ended December 31, Personnel expense 1 Services Agreement with CTC Public entity and other 1 General and administrative expense Fair value adjustment of unit based compensation Adjusted general and administrative expense (A) Property revenue (B) Year Ended 2023 9,825 $ 1,094 4,318 15,237 $ (625) 15,862 552,772 $ $ 2022 9,708 1,094 3,676 14,478 (866) 15,344 532,795 $ $ $ $ Adjusted general and administrative expense % of property revenue (A/B) 2.9 % 2.9 % 1 Includes unit-based awards, including loss (gain) adjustments as a result of the change in the fair market value of the Units of $(625) (YTD 2022 - $(866)) for the year ended December 31, 2023. 50 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS 11.0 SELECTED QUARTERLY CONSOLIDATED INFORMATION (in thousands of Canadian dollars, except per unit amounts) As at and for the quarter ended Property revenue Net income Net income per unit - basic - diluted FFO per unit - diluted (non-GAAP) 1 AFFO per unit - diluted (non-GAAP) 1 $ $ $ $ $ $ 2023 2022 Q4 Q1 139,968 $ 137,479 $ 137,819 $ 137,506 Q2 Q3 38,239 $ 11,327 $ 109,357 $ 70,511 Q4 Q1 135,175 $ 133,155 $ 132,515 $ 131,950 Q2 Q3 74,749 $ 77,014 $ 79,771 $ 93,079 $ $ 0.162 $ 0.048 $ 0.465 $ 0.300 $ 0.319 $ 0.329 $ 0.341 $ 0.399 0.161 $ 0.048 $ 0.376 $ 0.265 $ 0.276 $ 0.285 $ 0.296 $ 0.345 0.330 $ 0.327 $ 0.330 $ 0.321 $ 0.322 $ 0.321 $ 0.313 $ 0.307 0.303 $ 0.301 $ 0.304 $ 0.295 $ 0.292 $ 0.292 $ 0.284 $ 0.278 Total assets $ 6,966,564 $ 6,956,954 $ 6,950,062 $ 6,863,797 $ 6,844,789 $ 6,763,640 $ 6,702,583 $ 6,592,386 Total indebtedness Total distributions, net of distribution reinvestment, to unitholders - paid Total distributions per unit - paid Book value per unit Market price per unit - high - low - closing as at period end 1 Non-GAAP ratio. $ 2,880,994 $ 2,856,277 $ 2,776,260 $ 2,791,349 $ 2,787,634 $ 2,747,368 $ 2,697,073 $ 2,697,056 $ 48,151 $ 47,775 $ 46,551 $ 46,631 $ 46,128 $ 46,011 $ 44,282 $ 44,120 $ $ $ $ $ 0.225 $ 0.225 $ 0.217 $ 0.217 $ 0.217 $ 0.217 $ 0.212 $ 0.210 16.34 $ 16.44 $ 16.63 $ 16.39 $ 16.31 $ 16.21 $ 16.10 $ 15.97 14.80 $ 15.71 $ 16.47 $ 16.87 $ 16.23 $ 17.31 $ 18.46 $ 18.41 12.57 $ 13.52 $ 14.31 $ 15.30 $ 14.21 $ 14.46 $ 15.25 $ 16.02 14.65 $ 13.69 $ 15.09 $ 16.03 $ 15.59 $ 15.01 $ 16.57 $ 17.68 Q4 Q2 Q3 $ 38,239 $ 11,327 $ 109,357 $ 70,511 $ 74,749 $ 77,014 $ 79,771 $ 93,079 2023 The following table reconciles GAAP net income and comprehensive income to FFO and further reconciles FFO to AFFO: (in thousands of Canadian dollars) As at and for the quarter ended Net Income and comprehensive income Fair value adjustment on investment property GP income tax expense Lease principal payments on right-of- use assets Fair value adjustment of unit-based compensation Internal leasing expense Funds from operations Property straight-line rent revenue (31,547) 367 (6,020) 20 (608) (181) (533) 319 (499) 234 (834) 219 (913) 318 66,669 39,334 (213) (145) (495) (350) (579) (453) (176) (351) (154) (152) (628) (171) 4,180 2022 $ 77,704 $ 77,073 $ 77,809 $ 75,328 $ 75,570 $ 75,397 $ 73,412 $ 71,825 191 203 (22,077) 541 (112) (462) (94) 386 325 422 392 276 507 523 860 444 407 Q4 Q1 Q3 Q2 Q1 246 298 Direct leasing costs 1, 2 Capital expenditure reserve 1 Adjusted funds from operations (290) (6,326) (97) (6,213) $ 71,474 $ 71,026 $ 71,658 $ 69,231 $ 68,515 $ 68,595 $ 66,620 $ 65,053 (105) (6,347) (233) (6,243) (112) (6,227) (192) (6,327) (362) (6,181) (346) (6,208) ¹ Comparatives have been restated to conform with current year’s presentation. ² Excludes internal and external leasing costs related to development projects. Property revenue, distributions and other financial and operational results noted above have grown at a steady rate. However, macroeconomic factors (including, but not limited to, inflationary pressures, and higher interest rates) and market trends may have an influence on consumer spending, the demand for space, occupancy levels and, consequently, the REIT’s operating performance, the impact of which is difficult to predict. Refer to CT REIT’s respective annual and interim MD&A’s issued for a discussion and analysis relating to the above periods. CT REIT 2023 ANNUAL REPORT 51 MANAGEMENT'S DISCUSSION AND ANALYSIS 12.0 ENTERPRISE RISK MANAGEMENT Enterprise Risk Management Framework To preserve and enhance unitholder value over the long term, CT REIT takes a balanced approach to risk taking together with effective risk management. The effective management of risk within CT REIT is a key priority for the Board and senior management, as such the REIT has adopted an Enterprise Risk Management Framework (“ERM Framework”) for identifying, assessing, monitoring, mitigating and reporting key risks. The ERM Framework is designed to provide an integrated approach to the management of risks, through a disciplined manner that: • • • • Safeguards the REIT’s reputation; Supports the achievement of the REIT’s strategic objectives, including financial goals; Preserves and enhances unitholder value; and Supports business planning and operations by providing a cross-functional perspective to risk management, integrated with strategic planning and reporting processes. Risk Governance The foundation of the REIT’s ERM Framework is a governance approach that includes a comprehensive set of policies that, together with the REIT’s Declaration of Trust, require the identification, assessment, monitoring, mitigation and reporting of all Key Risks on a timely basis. The key elements of risk governance are the Board and Chief Executive Officer, supported by senior management and the three lines of defense operating model (which includes (i) business and support functions, (ii) oversight functions and (iii) internal audit). Clearly defined roles and responsibilities, coupled with timely monitoring and reporting, assist in supporting a strong risk culture and effective governance of risk. Fundamental to risk governance at the REIT is the oversight by senior management and the Audit Committee of all Key Risks and emerging risks faced by the REIT. Members of senior management of the REIT assist the Chief Executive Officer in discharging responsibilities with respect to managing strategies in alignment with the REIT’s risk appetite, recommending various risk-related policies for the Board’s approval and evaluating the effectiveness of controls the REIT has in place to mitigate risk and support the REIT’s strategy. The REIT monitors its risk exposures to assess that its business activities are operating within approved limits or guidelines and risk appetite. Exceptions, if any, are reported to the Chief Financial Officer, the Chief Executive Officer and to the Audit Committee and the Board, as appropriate. Key Risks A key element of the ERM Framework is the identification and assessment of the REIT’s key risks. A key risk is defined as one that, alone or in combination with other interrelated risks, could have a material adverse effect on the REIT’s reputation, financial position, and/or ability to achieve its strategic objectives. Management has developed mitigation plans for each of the key risks, which are reviewed regularly by senior management and reported to the Audit Committee and the Board. Although the REIT believes the measures taken to mitigate risks are reasonable, there can be no assurance that they will effectively 52 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS control all risks that may have a negative impact. In addition, there are numerous other risk factors that are difficult to predict and could adversely affect the REIT’s reputation, financial results, operations and strategic objectives. The following table provides an overview of each of the REIT’s key risks and other risks associated with the REIT’s business and operations in the REIT’s risk universe, which categorizes all of the REIT’s risks into the following main categories: Strategic, Financial, Operational, and Environmental and Social risks and related risk management strategies. Further information on the REIT’s key risks is presented in the REIT’s 2023 AIF. CT REIT cautions that the discussion of risks, including those risks described in the REIT’s 2023 AIF, is not exhaustive. When considering whether to purchase or sell Units of the REIT, investors and others should carefully consider these factors as well as other uncertainties, potential events and industry specific factors that may adversely impact the REIT’s future results. CT REIT 2023 ANNUAL REPORT 53 MANAGEMENT'S DISCUSSION AND ANALYSIS Key Risks External Economic Environment Risk Management Strategy The REIT is subject to risks resulting from fluctuations or The REIT regularly monitors and analyzes the external economic fundamental changes in the external business environment. These conditions, demographic, consumer behaviour and competitive fluctuations or fundamental shifts in the macroeconomic environment developments in Canada related to its business. Results are shared as well as the environment in regions and local marketplaces where with the REIT executives, who are accountable for any necessary the REIT conducts its business could include: amendments to the strategic and operational plans and for on-going • changes in the current economic environment and uncertainty with investment decisions in order to respond to evolving market and respect to future potential economic disruption including recession, economic trends. depression, or high inflation impacting business and consumer confidence and spending; • changes in the economic stability of local markets such as business layoffs, industry slow-downs, changing demographics and other factors impacting tenants’ revenues and their ability to pay rent, and the REIT’s ability to lease space, renew leases and derive income from the properties in the affected market; • changes in the economic condition and regulatory environment of the regions in which the REIT’s properties are concentrated, which may have a material adverse effect on the REIT’s business, cash flows, financial condition, results of operations and ability to make distributions to unitholders; • changes in retail shopping behaviours and habits of consumers and the introduction of new “technologies” and competitors impacting the relevance of the products, sales channels, or services offered by the REIT’s key tenant, which may result in a negative impact on their financial position culminating in a decrease in the demand for physical space, which could adversely affect the REIT’s financial performance; and • increased competition amongst investors, developers, owners and operators of properties similar to those of the REIT could negatively impact the availability of suitable acquisition opportunities thereby increasing the REIT’s cost of acquisition as well as its’ ability to lease properties, renew leases and achieve rental increases, which may adversely impact the REIT’s financial condition and results of operations. 54 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS Key Risks Key Business Relationship Risk Management Strategy The REIT’s relationship with its majority unitholder, CTC, is integral The REIT benefits from the stability offered by CTC businesses to its business strategy and could affect the REIT’s cash flows, including Canadian Tire, one of Canada’s most resilient, iconic and operating results, overall financial performance and its ability to trusted omni-channel general merchandise retailers with high make distributions. Key factors inherent in this relationship include: recognition and a strong reputation throughout the communities it • situations where the interests of CTC and the REIT are in conflict, serves. Appropriate governance structures, including policies, CTC may utilize its ownership interest in, and contractual rights with processes and other management activities and practices are in the REIT, to further CTC’s own interest which may not be the same place to maintain and monitor the relationship between the REIT and as the REIT’s interest in all cases, causing the REIT not to be able to CTC. In addition, Management regularly monitors the operating operate in a manner that is in its favour, which could adversely affect results and credit ratings of CTC. the REIT’s cash flows, operating results, valuation, and overall financial condition; • the dependence of the REIT’s revenues on the ability of its key tenant, CTC, to meet its rent obligations and renew its tenancies. While CTC has held investment grade credit ratings for over 20 years, there is no assurance that it will maintain such ratings or that its financial position will not change over time. The future financial performance and operating results of CTC’s business are subject to inherent risks. A downturn in CTC’s business resulting in an inability to meet their obligations under their leases and/or if a significant amount of available space in the properties was not able to be leased on economically favourable lease terms could have a material effect on the financial performance of the REIT, its cash flows, and the REIT’s ability to make distributions to unitholders; and • the REIT’s dependency on the services of key personnel including certain CTC personnel who supply necessary services to operate the REIT for its effective management and governance. Failure to receive these services or the need to replace the service provider in a short period of time could have a material adverse effect on the REIT. CT REIT 2023 ANNUAL REPORT 55 MANAGEMENT'S DISCUSSION AND ANALYSIS Key Risks Financial Risk Management Strategy Risks associated with macroeconomic conditions which are highly The REIT has a Board-approved financial risk management policy in cyclical and volatile could have a material effect on the REIT’s place that governs the management of capital, funding, and other financial position and its ability to achieve its strategic goals and financial risks. The indebtedness and Class C LP Units of the REIT aspirations. Such risks include: are predominantly at fixed rates and its variable interest rate • fundamental changes in the economic environment, significant exposure is minimal. The weighted average term to redemption/ event, or volatility in the financial markets resulting in changes in maturity of the REIT’s debt portfolio is managed to generally align interest rates that affect the value of real estate, the value of the with the weighted average term to maturity of the REIT’s assets. The Units, the economics of acquisition activity and the availability of REIT manages refinancing risk by maintaining a diversified debt capital impacting the financial position of the REIT and its ability to redeeming/ maturity schedule to limit the amount of debt maturing in make distributions to its unitholders; and any one year. • the REIT’s ability to manage fluctuations in interest rates, access to capital and liquidity, the price of the Units and the REIT’s degree of leverage. Failure to develop, implement, and execute effective strategies to manage these risks may result in insufficient capital to absorb unexpected losses and/or changes in asset value negatively affecting the REIT’s financial performance and increasing the REIT’s vulnerability to a downturn in business or the economy. Legal and Regulatory Compliance Failure to adhere to laws and regulations by the REIT may result in The REIT has appropriate governance structures, including policies, regulatory related issues or decrease investor confidence and a processes and controls in place to comply with legal and regulatory decline in the Unit price. Changes to laws and regulations applicable requirements, including but not limited to the REIT’s ability to to the REIT may adversely affect the REIT’s financial condition, continue to satisfy the conditions to qualify as a closed end mutual results of operation, and distributions to unitholders, including: fund trust and to comply with environmental laws and address any • changes in income tax laws such that the REIT would not qualify as material environmental issues, including climate change. a mutual fund trust for purposes of the Income Tax Act (“ITA”), The REIT monitors environmental risks as they continue to evolve including the treatment of real estate investment trusts and mutual especially as they relate to global transition to a net-zero economy fund trusts, or the exclusion from the definition of “SIFT TRUST” for a and the impact of climate change. trust qualifying as a “real estate investment trust” for a taxation year under the ITA, which could have a material and adverse impact on the value of the units, and on distributions to unitholders; and • changes in various federal, provincial, territorial and municipal laws relating to environmental matters, including climate change, which may result in the REIT bearing the risk of cost-intensive assessment, technologies, and the removal of contamination, hazardous or other regulated substances causing an adverse effect on the REIT’s financial condition, results of operation, cash available for distribution to unitholders. 56 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS Key Risks Operations Risk Management Strategy The REIT is subject to the risk that a direct or indirect loss of The REIT has appropriate governance structures, including policies, operating capabilities may occur due to: processes, contracts, service agreements and other management • inadequate or failed operations processes (property management, activities in place to maintain the operational performance of the development, redevelopment and renovation risks such as REIT and to support the REIT’s reputation, business and strategic substantial unanticipated delays and expenses or the inability to objectives. initiate or complete activities) that could have an adverse effect on CT REIT is subject to the risk that a direct or indirect loss of the REIT’s reputation, financial condition, results of operations, cash operating capabilities may occur due to property, development, flow, trading price of the Units, distributions to unitholders and the redevelopment and renovation risks, disasters, health events, cyber ability of the REIT to satisfy its principal and interest obligations; incidents, climate change, ineffective business continuity and • internal or outsourced business activities and business disruptions contingency planning, and talent shortages. and ineffective business continuity and contingency planning, which could adversely affect the reputation, operations and financial performance of the REIT; and • talent shortages due to external pressure or the inability to effectively attract and retain talented and experienced employees, which may negatively impact the REIT’s ability to operate its business and execute its strategy. 13.0 INTERNAL CONTROLS AND PROCEDURES 13.1 Disclosure Controls and Procedures Management is responsible for establishing and maintaining a system of controls and procedures over the public disclosure of financial and non-financial information regarding CT REIT. Such controls and procedures are designed to provide reasonable assurance that all relevant material information is gathered and reported, on a timely basis, to senior management, including the CEO and the Chief Financial Officer (“CFO”), so that they can make appropriate decisions regarding public disclosure. As required by CSA National Instrument 52-109 Certification of Disclosure in Issuers’ Annual and Interim Filings (“NI 52-109”), an evaluation of the adequacy of the design (quarterly) and effective operation (annually) of CT REIT’s disclosure controls and procedures was conducted, under the supervision of management, including the CEO and CFO, as at December  31, 2023. Based on that evaluation, the CEO and the CFO have concluded that the design and operation of the system of disclosure controls and procedures were effective as at December 31, 2023. 13.2 Internal Control Over Financial Reporting Management is also responsible for establishing and maintaining appropriate internal controls over financial reporting to provide reasonable assurance regarding the reliability of financial reporting and preparation of consolidated financial statements for external purposes in accordance with IFRS. All internal control systems, no matter how well designed, have inherent limitations. Therefore, even those systems determined to be effective can provide only reasonable assurance with respect to financial statement preparation and presentation and may not prevent or detect misstatements. CT REIT 2023 ANNUAL REPORT 57 MANAGEMENT'S DISCUSSION AND ANALYSIS As also required by NI 52-109, management, including the CEO and CFO, evaluated the adequacy of the design (quarterly) and effective operation (annually) of CT REIT’s internal controls over financial reporting using the framework established by the Committee of Sponsoring Organizations of the Treadway Commission in Internal Control – Integrated Framework (2013). Based on that evaluation, the CEO and the CFO have concluded that the design and operation of CT REIT’s internal controls over financial reporting were effective as at December 31, 2023. 13.3 Changes in Internal Control Over Financial Reporting During the quarter and year ended December 31, 2023, there have been no changes in CT REIT’s internal controls over financial reporting that have materially affected, or are reasonably likely to materially affect, CT REIT’s internal controls over financial reporting. 14.0 FORWARD-LOOKING INFORMATION This MD&A, and the documents incorporated by reference herein, contain forward-looking statements that involve a number of risks and uncertainties, including statements regarding the outlook for CT REIT’s business and results of operations. Forward- looking statements are provided for the purposes of providing information about CT REIT’s future outlook and anticipated events or results and may include statements regarding known and unknown risks, uncertainties and other factors that may cause the actual results to differ materially from those indicated. Such factors include but are not limited to general economic conditions; financial position; business strategy; availability of acquisition opportunities; budgets; capital expenditures; financial results, including fair value adjustments and cash flow assumptions upon which they are based; cash and liquidity; taxes; and plans and objectives of or involving CT REIT. Statements regarding future acquisitions, developments, distributions, results, performance, achievements, and prospects or opportunities for CT REIT or the real estate industry are forward-looking statements. In some cases, forward-looking information can be identified by such terms such as “may”, “might”, “will”, “could”, “should”, “would”, “occur”, “expect”, “plan”, “anticipate”, “believe”, “intend”, “estimate”, “predict”, “potential”, “continue”, “likely”, “schedule”, or the negative thereof or other similar expressions concerning matters that are not historical facts. Some of the specific forward-looking statements in this document include, but are not limited to, statements with respect to CT REIT’s: • • • • • • • • • • • growth strategy and objectives under section 2.0; fair value of property portfolio under section 4.4; development and related activities under section 4.6, including with respect to the redevelopment and tenancy at Canada Square; leasing activities under section 4.10; recoverable capital costs under section 4.11; capital expenditures to fund acquisitions and development activities under section 6.1; capital strategy under section 6.11; commitments as at December 31, 2023 under section 6.12; distributions under section 7.3; capital expenditures under section 10.1 (g); access to available sources of debt and/or equity financing; 58 CT REIT 2023 ANNUAL REPORT MANAGEMENT'S DISCUSSION AND ANALYSIS • • • expected tax treatment of CT REIT and its Distributions to unitholders; ability to expand its asset base, make accretive acquisitions, develop or intensify its Properties and participate with CTC in the development or intensification of the Properties; and ability to continue to qualify as a “real estate investment trust”, as defined pursuant to the ITA. CT REIT has based these forward-looking statements on factors and assumptions about future events and financial trends that it believes may affect its financial condition, results of operations, business strategy and financial needs. Such factors and assumptions include but are not limited to whether there continues to be a risk of recession in Canada and the timing and extent of further changes to inflation and interest rates; that tax laws will remain unchanged; that the REIT will continue to manage its liquidity and debt covenants; that conditions within the real estate market, including competition for acquisitions, will normalize to historical levels in the near- to medium-term; that Canadian capital markets will provide CT REIT with access to equity and/or debt at reasonable rates when required; that the redevelopment and related activities with respect to Canada Square will proceed as planned; and that CTC will continue its involvement with the REIT on the basis described in its 2023 AIF. Although the forward-looking statements contained in this MD&A are based upon assumptions that the REIT believes are reasonable, given information currently available to management, there can be no assurance that actual results will be consistent with these forward-looking statements. Forward-looking statements necessarily involve known and unknown risks and uncertainties, many of which are beyond the REIT’s control, that may cause CT REIT’s, or the industry’s, actual results, performance, achievements, prospects and opportunities in future periods to differ materially from those expressed or implied by such forward-looking statements. These risks and uncertainties include, among other things, the factors discussed in section 12.0 of this MD&A and under the “Risk Factors” section of the 2023 AIF. For more information on the risks, uncertainties and assumptions that could cause CT REIT’s actual results to differ from current expectations, please also refer to CT REIT’s public filings available on SEDAR+ at www.sedarplus.ca and by a link at www.ctreit.com. CT REIT cautions that the foregoing list of important factors and assumptions is not exhaustive and other factors could also materially and adversely affect its results. Investors and other readers are urged to consider the foregoing risks, uncertainties, factors and assumptions carefully in evaluating the forward-looking information and are cautioned not to place undue reliance on such forward-looking information. Statements that include forward-looking information do not take into account the effect that transactions or non-recurring or other special items announced or occurring after the statements are made can have on CT REIT’s business. For example, they do not include the effect of any dispositions, acquisitions, asset write-downs or other charges announced or occurring after such statements are made. The forward-looking information in this MD&A is based on certain factors and assumptions made as of the date hereof or the date of the relevant document incorporated herein by reference, as applicable. CT REIT does not undertake to update the forward-looking information, whether written or oral, that may be made from time to time by it or on its behalf, to reflect new information, future events or otherwise, except as required by applicable securities laws. CT REIT 2023 ANNUAL REPORT 59 MANAGEMENT'S DISCUSSION AND ANALYSIS Information contained in or otherwise accessible through the websites referenced in this MD&A does not form part of this MD&A and is not incorporated by reference into this MD&A. All references to such websites are inactive textual references and are for information only. Commitment to disclosure and investor communication The Investors section of the REIT’s website, accessible by a link at www.ctreit.com includes the following documents and information of interest to investors: • Annual Information Form; • Consolidated financial statements and accompanying notes for the year ended December 31, 2023; • Management Information Circular; • • • the Base Shelf Prospectus and related prospectus supplements; quarterly financial statements and related MD&As; and conference call webcasts (archived for one year). Additional information about the REIT has been filed electronically with various securities regulators in Canada through SEDAR+ and is available online at www.sedarplus.ca. February 13, 2024 60 CT REIT 2023 ANNUAL REPORT Index CONSOLIDATED FINANCIAL STATEMENTS AND NOTES CON SOLI DATED F IN A N CIA L STATE MEN TS AND NOTES III ANNUAL REPORT 2023 Management’s Responsibility for Financial Statements Independent Auditor’s Report Consolidated Financial Statements Consolidated Balance Sheets Consolidated Statements of Income and Comprehensive Income Consolidated Statements of Changes in Equity Consolidated Statements of Cash Flows Notes to the Consolidated Financial Statements Investment Properties Note 1 Nature of CT Real Estate Investment Trust Note 2 Basis of Presentation Note 3 Material Accounting Policy Information Note 4 Note 5 Other Assets Note 6 Class C LP Units Note 7 Mortgages Payable Note 8 Debentures Leases Note 9 Note 10 Other Liabilities Note 11 Credit Facilities Note 12 Equity Note 13 Unit-Based Compensation Plans Note 14 Non-controlling Interests Note 15 Revenues and Expenses Note 16 General and Administrative Expense Note 17 Net Interest and Other Financing Charges Note 18 Changes in Working Capital and Other Note 19 Segmented Information Note 20 Commitments and Contingencies Note 21 Related-Party Transactions Note 22 Financial Instruments and Risk Management Note 23 Capital Management and Liquidity Glossary of Terms 62 63 67 68 69 70 71 71 74 78 80 81 82 83 83 85 85 86 89 90 90 91 91 92 92 92 92 94 96 99 Management’s Responsibility for Financial Statements The management of CT Real Estate Investment Trust (“CT REIT”) is responsible for the integrity and reliability of the accompanying consolidated financial statements. These consolidated financial statements have been prepared by management in accordance with International Financial Reporting Standards, and include amounts based on judgments and estimates. All financial information in our Management’s Discussion and Analysis is consistent with these consolidated financial statements. Management is responsible for establishing and maintaining adequate systems of internal control over financial reporting. These systems are designed to provide reasonable assurance that the financial records are reliable and form a proper basis for the timely and accurate preparation of financial statements. Management has assessed the effectiveness of CT REIT’s internal control over financial reporting based on the framework in Internal Control - Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO) and concluded that CT REIT’s internal control over financial reporting was effective as at the date of these consolidated statements. The Board of Trustees oversees management’s responsibilities for the consolidated financial statements primarily through the activities of its Audit Committee, which is comprised solely of trustees who are neither officers nor employees of CT REIT. This Committee meets with management and CT REIT’s independent auditors, Deloitte LLP, to review the consolidated financial statements and recommend approval to the Board of Trustees. The Audit Committee is responsible for making recommendations to the Board of Trustees with respect to the appointment of and, subject to the approval of the Unitholders authorizing the Board of Trustees to do so, approving the remuneration and terms of engagement of CT REIT’s auditors. The Audit Committee also meets with the auditors, without the presence of management, to discuss the results of their audit. The consolidated financial statements have been audited by Deloitte LLP, in accordance with Canadian generally accepted auditing standards. Their report is presented below. << Kevin Salsberg >> << Lesley Gibson >> Kevin Salsberg President and Chief Executive Officer Lesley Gibson Chief Financial Officer February 13, 2024 62 CT REIT 2023 ANNUAL REPORT Independent Auditor's Report To the Unitholders and the Board of Trustees of CT Real Estate Investment Trust Opinion We have audited the consolidated financial statements of CT Real Estate Investment Trust (the "REIT"), which comprise the consolidated balance sheets as at December 31, 2023 and 2022, and the consolidated statements of income and comprehensive income, changes in equity and cash flows for the years then ended, and notes to the consolidated financial statements, including material accounting policy information (collectively referred to as the "financial statements"). In our opinion, the accompanying financial statements present fairly, in all material respects, the financial position of the REIT as at December 31, 2023 and 2022, and its financial performance and its cash flows for the years then ended in accordance with International Financial Reporting Standards ("IFRS"). Basis for Opinion We conducted our audit in accordance with Canadian generally accepted auditing standards ("Canadian GAAS"). Our responsibilities under those standards are further described in the Auditor’s Responsibilities for the Audit of the Financial Statements section of our report. We are independent of the REIT in accordance with the ethical requirements that are relevant to our audit of the financial statements in Canada, and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion. Key Audit Matter A key audit matter is a matter that, in our professional judgment, was of most significance in our audit of the consolidated financial statements for the year ended December 31, 2023. This matter was addressed in the context of our audit of the consolidated financial statements as a whole, and in forming our opinion thereon, and we do not provide a separate opinion on this matter. Fair Value of Investment Properties — Refer to Note 4 to the financial statements Key Audit Matter Description The REIT measures investment properties at fair value subsequent to acquisition. The fair value of each investment property is estimated using the discounted cash flow (“DCF”) method. This method requires management to make estimates and assumptions. The assumptions with the highest degree of subjectivity and impact on fair values are the discount rates and terminal capitalization rates. Auditing these assumptions required a high degree of auditor judgment and this resulted in an increased extent of audit effort, including the need to involve fair value specialists. CT REIT 2023 ANNUAL REPORT 63 How the Key Audit Matter Was Addressed in the Audit Our audit procedures related to the discount rates and terminal capitalization rates used to determine the fair value of the investment properties included the following, among others: • Evaluated the effectiveness of controls over management’s process for determining the fair value of investment properties, including those over the determination of the discount rates and terminal capitalization rates. • With the assistance of fair value specialists, evaluated the reasonableness of management’s discount rates and terminal capitalization rates by considering recent market transactions and industry surveys. Other Information Management is responsible for the other information. The other information comprises: • Management's Discussion and Analysis • The information, other than the financial statements and our auditor’s report thereon, in the 2023 CT REIT Annual Report (the "Annual Report"). Our opinion on the financial statements does not cover the other information and we do not and will not express any form of assurance conclusion thereon. In connection with our audit of the financial statements, our responsibility is to read the other information identified above and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the audit, or otherwise appears to be materially misstated. We obtained Management’s Discussion and Analysis prior to the date of this auditor’s report. If, based on the work we have performed on this other information, we conclude that there is a material misstatement of this other information, we are required to report that fact in this auditor’s report. We have nothing to report in this regard. The Annual Report is expected to be made available to us after the date of the auditor's report. If, based on the work we will perform on this other information, we conclude that there is a material misstatement of this other information, we are required to report that fact to those charged with governance. Responsibilities of Management and Those Charged with Governance for the Financial Statements Management is responsible for the preparation and fair presentation of the financial statements in accordance with IFRS, and for such internal control as management determines is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error. In preparing the financial statements, management is responsible for assessing the REIT’s ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless management either intends to liquidate the REIT or to cease operations, or has no realistic alternative but to do so. 64 CT REIT 2023 ANNUAL REPORT Those charged with governance are responsible for overseeing the REIT's financial reporting process. Auditor's Responsibilities for the Audit of the Financial Statements Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor’s report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with Canadian GAAS will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements. As part of an audit in accordance with Canadian GAAS, we exercise professional judgment and maintain professional skepticism throughout the audit. We also: • Identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, design and perform audit procedures responsive to those risks, and obtain audit evidence that is sufficient and appropriate to provide a basis for our opinion. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal control. • Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the REIT's internal control. • Evaluate the appropriateness of accounting policies used and the reasonableness of accounting estimates and related disclosures made by management. • Conclude on the appropriateness of management’s use of the going concern basis of accounting and, based on the audit evidence obtained, whether a material uncertainty exists related to events or conditions that may cast significant doubt on the REIT's ability to continue as a going concern. If we conclude that a material uncertainty exists, we are required to draw attention in our auditor’s report to the related disclosures in the financial statements or, if such disclosures are inadequate, to modify our opinion. Our conclusions are based on the audit evidence obtained up to the date of our auditor’s report. However, future events or conditions may cause the REIT to cease to continue as a going concern. • Evaluate the overall presentation, structure and content of the financial statements, including the disclosures, and whether the financial statements represent the underlying transactions and events in a manner that achieves fair presentation. We communicate with those charged with governance regarding, among other matters, the planned scope and timing of the audit and significant audit findings, including any significant deficiencies in internal control that we identify during our audit. We also provide those charged with governance with a statement that we have complied with relevant ethical requirements regarding independence, and to communicate with them all relationships and other CT REIT 2023 ANNUAL REPORT 65 matters that may reasonably be thought to bear on our independence, and where applicable, related safeguards. From the matters communicated with those charged with governance, we determine those matters that were of most significance in the audit of the consolidated financial statements of the current period and are therefore the key audit matters. We describe these matters in our auditor's report unless law or regulation precludes public disclosure about the matter or when, in extremely rare circumstances, we determine that a matter should not be communicated in our report because the adverse consequences of doing so would reasonably be expected to outweigh the public interest benefits of such communication. The engagement partner on the audit resulting in this independent auditor’s report is Rose Fitzsimon. /s/ Deloitte LLP Chartered Professional Accountants Licensed Public Accountants Toronto, Ontario February 13, 2024 66 CT REIT 2023 ANNUAL REPORT Consolidated Balance Sheets (Canadian dollars, in thousands) As at Assets Non-current assets Investment properties Other assets Current assets Tenant and other receivables Other assets Cash and cash equivalents Total assets Liabilities Non-current liabilities Class C LP Units Mortgages payable Debentures Lease liabilities Other liabilities Current liabilities Class C LP Units Mortgages payable Credit facilities Lease liabilities Other liabilities Distributions payable Total liabilities Equity Unitholders’ equity Non-controlling interests Total equity Total liabilities and equity Note December 31, 2023 December 31, 2022 4 5 5 6 7 8 9 10 6 7 11 9 10 12 $ 6,936,000 $ 6,833,000 1,704 6,937,704 1,863 6,834,863 3,455 4,639 20,766 28,860 3,734 3,581 2,611 9,926 6,966,564 $ 6,844,789 1,251,550 $ 1,451,550 $ $ 8,623 1,420,313 100,177 5,198 2,785,861 200,000 508 — 923 113,875 17,628 332,934 9,128 1,170,905 102,223 5,150 2,738,956 — 56,167 99,884 649 104,987 16,973 278,660 3,118,795 3,017,616 12 12, 14 1,707,336 2,140,433 3,847,769 $ 6,966,564 $ 1,698,250 2,128,923 3,827,173 6,844,789 The related notes form an integral part of these consolidated financial statements. <> John O’Bryan Trustee <> Anna Martini Trustee CT REIT 2023 ANNUAL REPORT 67 Consolidated Statements of Income and Comprehensive Income (Canadian dollars, in thousands, except per unit amounts) For the year ended December 31, Note 2023 2022 Year ended Property revenue Property expense General and administrative expense Net interest and other financing charges Fair value adjustment on investment properties Net income and comprehensive income Net income and comprehensive income attributable to: Unitholders Non-controlling interests Net income per unit - basic Net income per unit - diluted 15 15 16 17 4 $ 552,772 $ 532,795 (115,523) (15,237) (113,942) (78,636) (111,133) (14,478) (110,416) 27,845 $ 229,434 $ 324,613 12 $ 105,287 $ 12, 14 $ $ $ 12 12 124,147 229,434 $ 0.976 $ 0.870 $ 148,264 176,349 324,613 1.387 1.185 The related notes form an integral part of these consolidated financial statements. 68 CT REIT 2023 ANNUAL REPORT Consolidated Statements of Changes in Equity (Canadian dollars, in thousands) Note Units Retained Unitholders’ Equity Earnings Non- controlling interests Total Equity Balance at December 31, 2022 Net income and comprehensive income for the period Distributions 12, 14 12 Issuance of Units under Distribution Reinvestment Plan and other Units repurchased and cancelled Automatic purchase plan Balance at December 31, 2023 12 12 12 $ 1,112,415 $ 585,835 $ 1,698,250 $ 2,128,923 $ 3,827,173 — — 18,066 (6,433) — $ 1,124,048 $ 105,287 105,287 124,147 229,434 (95,635) (95,635) (112,637) (208,272) — 18,066 — 18,066 101 (6,332) (12,300) (12,300) 583,288 $ 1,707,336 $ 2,140,433 $ 3,847,769 (6,332) (12,300) — — Note Units Retained Unitholders’ Equity Earnings Non- controlling interests Total Equity Balance at December 31, 2021 Net income and comprehensive income for the period Issuance of Class B LP Units, net of issue costs Distributions Issuance of Units under Distribution Reinvestment Plan Balance at December 31, 2022 12, 14 12 12 12 $ 1,093,257 $ 529,108 $ 1,622,365 $ 2,055,784 $ 3,678,149 — — 19,158 148,264 148,264 176,349 324,613 — (91,537) — — 5,617 5,617 (91,537) 19,158 (108,827) — (200,364) 19,158 $ 1,112,415 $ 585,835 $ 1,698,250 $ 2,128,923 $ 3,827,173 The related notes form an integral part of these consolidated financial statements. CT REIT 2023 ANNUAL REPORT 69 Consolidated Statements of Cash Flows (Canadian dollars, in thousands) For the year ended December 31, Cash generated from (used for): Operating activities Net income Add/(deduct): Fair value adjustment on investment properties Property straight-line rent revenue Deferred income tax Net interest and other financing charges Changes in working capital and other Cash generated from operating activities Investing activities Income-producing property investments Development and intensification activities Capital expenditures recoverable from tenants Proceeds of disposition Cash used for investing activities Financing activities Proceeds from issuance of debentures Redemption of debentures Unit distributions Unit repurchased under normal course issuer bid Class B LP Unit distributions paid or loaned Payments on Class C LP Units paid or loaned Credit facilities (repayments) draws, net Lease principal payments on right-of-use assets Mortgage principal repayments Net interest paid Debenture issuance costs Debenture settlement costs Class B LP Unit issuance costs Cash used for financing activities Cash generated/(used) in the period Cash and cash equivalents, beginning of period Cash and cash equivalents, end of period The related notes form an integral part of these consolidated financial statements. 70 CT REIT 2023 ANNUAL REPORT Year ended Note 2023 2022 4 15 17 18 4 8 12 6, 17 11 7 $ 229,434 $ 324,613 78,636 1,707 31 113,942 1,305 (27,845) (1,844) (115) 110,416 (5,952) $ 425,055 $ 399,273 (2,859) (152,317) (31,742) 389 (21,664) (167,811) (30,142) — $ (186,529) $ (219,617) 250,000 — (76,793) (6,332) 250,000 (150,000) (72,040) — (112,315) (108,501) (63,962) (99,884) (852) (56,078) (53,019) (1,136) — — (63,962) 20,584 (564) (10,081) (43,807) (1,455) (744) (30) $ $ $ (220,371) $ (180,600) 18,155 $ 2,611 20,766 $ (944) 3,555 2,611 Notes to the Consolidated Financial Statements For the year ended December 31, 2023 and 2022 (All dollar amounts are in thousands, except unit and per unit amounts) 1. NATURE OF CT REAL ESTATE INVESTMENT TRUST CT Real Estate Investment Trust is an unincorporated, closed-end real estate investment trust. CT Real Estate Investment Trust and its subsidiaries, unless the context requires otherwise, are together referred to in these consolidated financial statements as “CT REIT” or the “REIT”. CT REIT commenced operations on October 23, 2013, and was formed to own income-producing commercial properties located primarily in Canada. The principal and registered head office of CT REIT is located at 2180 Yonge Street, Toronto, Ontario, M4P 2V8. Canadian Tire Corporation, Limited (“CTC”) owned a 68.4% effective interest in CT REIT as of December  31, 2023, consisting of 33,989,508 of the issued and outstanding units of CT REIT (“Units”) and all of the issued and outstanding Class B limited partnership units (“Class B LP Units”) of CT REIT Limited Partnership (the “Partnership”), which are economically equivalent to and exchangeable for Units. CTC also owns all of the issued and outstanding Class C limited partnership units (“Class C LP Units”) of the Partnership (see Note 6). The Units are listed on the Toronto Stock Exchange (the “TSX”) under the symbol CRT.UN. 2. BASIS OF PRESENTATION (a) Fiscal year The fiscal years for the consolidated financial statements and the notes presented are for the years ended December 31, 2023 and 2022. (b) Statement of compliance These consolidated financial statements have been prepared in accordance with International Financial Reporting Standards (“IFRS”) using the accounting policies that are described herein. These consolidated financial statements were approved for issuance by CT REIT’s Board of Trustees (the “Board”), on the recommendation of its Audit Committee, on February 13, 2024. (c) Basis of presentation These consolidated financial statements have been prepared on the historical cost basis except for investment properties and liabilities for unit-based compensation plans, which are measured at fair value. These financial statements are presented in Canadian dollars (“C$”), which is CT REIT’s functional currency, rounded to the nearest thousand, except per unit amounts. CT REIT 2023 ANNUAL REPORT 71 (d) Critical judgments in applying material accounting policy information The following are the critical judgments that have been made in applying CT REIT’s accounting policies and that have the most material effect on the amounts in the consolidated financial statements: (i) Leases CT REIT as a lessor The REIT’s policy for revenue recognition as a lessor is described in Note 3(e). In applying this policy, judgments are made with respect to whether tenant improvements provided in connection with a lease enhance the value of the leased property, which determines whether such amounts are treated as additions to investment property as well as the point in time at which revenue recognition under the lease commences, or constitutes a tenant incentive that is amortized as a reduction of lease revenue over the initial term of the lease. The REIT also makes judgments in assessing the classification of its leases with tenants as operating leases, in particular long-term leases in single tenant properties. The REIT has determined that all of its leases are operating leases. CT REIT as a lessee For the measurement of lease liabilities with respect to the ground leases with third party landlords, the REIT considers all factors that create an economic incentive to exercise extension options, or not exercise termination options available in its leasing arrangements. Extension options, or periods subject to termination options, are only included in the lease term if the REIT determines it is reasonably certain to be extended or not terminated. The assessment is reviewed if a significant event or a significant change in circumstances occurs which affects this assessment and that is within the control of the lessee. The REIT uses its incremental borrowing rate to account for the ground leases with third party landlords. The implicit rates in the ground leases, fair value of the underlying property and the initial direct costs incurred by the lessor related to the leased assets are not readily available information from the lessor. The REIT determines the incremental borrowing rate as the rate of interest that it would pay to borrow over a similar term and with a similar security the funds necessary to obtain an asset of a similar value to the right-of-use asset in a similar economic environment. (ii) Investment properties CT REIT applies judgment in determining whether the properties it acquires are considered to be asset acquisitions or business combinations. CT REIT considers all properties acquired to date to be asset acquisitions. Judgment is applied in determining whether certain costs are additions to the carrying amount of the investment property. For properties under development, CT REIT exercises judgment in determining when development activities have commenced, when and how much borrowing costs are to be capitalized to the development project, and the point of practical completion. 72 CT REIT 2023 ANNUAL REPORT On a periodic basis, CT REIT obtains independent appraisals such that approximately 80% of its property portfolio, by value, are externally appraised over a four-year period. (iii) Income taxes CT REIT makes judgments that, with the exception of transactions involving CT REIT GP Corp. (the “GP”), deferred income taxes are not recognized in CT REIT’s financial statements on the basis that CT REIT can deduct distributions paid such that its liability for income taxes is substantially reduced or eliminated for the period, CT REIT intends to continue to distribute its taxable income and therefore continue to qualify as a real estate investment trust for the foreseeable future. (iv) Consolidation CT REIT makes judgments in the application of IFRS 10 - Consolidated Financial Statements in its assessment of control over the Partnership and its subsidiaries collectively the "Consolidated Partnership", including the purpose for which the Consolidated Partnership was created, the power to direct the relevant activities of the Consolidated Partnership, its exposure or rights to the variable returns of the Consolidated Partnership and its ability to use its power to affect its returns. (v) Proportionate consolidation of interest in Canada Square CT REIT makes judgments in the application of IFRS 11 - Joint Arrangements in its assessment of joint control over the one-half interest it holds in Canada Square, a mixed-use commercial property in Toronto, Ontario (the “Co- Ownership”), and its rights to the assets and obligations for the liabilities related to the Co-Ownership. (e) Critical accounting estimates and assumptions CT REIT makes estimates and assumptions that affect the carrying amounts of assets and liabilities, the disclosure of contingent assets and liabilities, and the reported amount of earnings for the period. Actual results may differ from estimates. The estimates and assumptions underlying the valuation of investment properties are set out in Note 4 and are considered critical. (f) Standards, amendments and interpretations issued and adopted The following amendment was adopted for the fiscal year ended December  31, 2023, and accordingly, has been applied in preparing these consolidated financial statements. (i) Improving accounting policy disclosures and clarifying distinction between accounting policies and accounting estimates (Amendments to IAS 8) In February 2021, the International Accounting Standards Board (“IASB”) issued narrow-scope amendments to IAS 8 Accounting Policies, Changes in Accounting Estimates and Errors. Amendments to IAS 8 clarify how companies should distinguish changes in accounting policies from changes in accounting estimates. That distinction is important as changes in accounting estimates are applied prospectively only to future transactions and other future events, whereas changes in accounting policies are generally applied retrospectively to past transactions and other past events. CT REIT 2023 ANNUAL REPORT 73 The implementation of these amendments did not have a significant impact on CT REIT. (g) Standards, amendments and interpretations issued but not yet adopted The following new standards, amendments and interpretations have been issued but are not effective for the fiscal year ended December 31, 2023, and accordingly, have not been applied in preparing these consolidated financial statements. (i) Classification of Liabilities as Current or Non-current (Amendments to IAS 1) In January 2020, the IASB issued an amendment to IAS 1, Presentation of Financial Statements to clarify its requirements for the presentation of liabilities in the statement of financial position. The amendment clarified that the classification of liabilities as current or non-current is based on rights that are in existence at the end of the reporting period and that classification is unaffected by expectations about whether an entity will exercise its right to defer settlement of a liability. It also introduced a definition of ‘settlement’ to make clear that settlement refers to the transfer to the counterparty of cash, equity instruments, other assets or services. On October 31, 2022, the IASB issued Non- Current Liabilities with Covenants (Amendments to IAS 1). These amendments specify that covenants to be complied with after the reporting date do not affect the classification of debt as current or non-current at the reporting date. The amendments are effective for annual reporting periods beginning on or after January 1, 2024. Earlier application is permitted. The implementation of these amendments is not expected to have a significant impact on CT REIT. 3. MATERIAL ACCOUNTING POLICY INFORMATION The accounting policies set out below have been applied consistently to all periods presented in these consolidated financial statements. (a) Basis of consolidation These consolidated financial statements include the accounts of CT REIT and its consolidated subsidiaries consisting of the Consolidated Partnership and the GP and their subsidiaries, which are the entities over which CT REIT has control. Control exists when CT REIT has the ability to direct the relevant activities of an entity, has exposure or rights to variable returns from its involvement with the entity and has the ability to affect those returns through its power over the entity. CT REIT reassesses whether or not it controls an entity if facts and circumstances indicate that there are changes to one or more of the three elements of control. Consolidation of a subsidiary begins when CT REIT obtains control over the subsidiary and ceases when CT REIT loses control of the subsidiary. All intra-group assets and liabilities, equity, income, expenses and cash flows relating to transactions between CT REIT and its subsidiaries, and among subsidiaries of CT REIT, are eliminated on consolidation. Net income and comprehensive income are attributed to the Unitholders of CT REIT and to the non-controlling interest even if this results in the non-controlling interest having a deficit balance. 74 CT REIT 2023 ANNUAL REPORT CT REIT holds all of the issued and outstanding Class A limited partnership units (“Class A LP Units”) of the Partnership, which are the sole class of Partnership units that carry voting rights. In addition, CT REIT holds all of the issued and outstanding shares of the GP, the general partner of the Partnership, which has the power to direct the relevant activities of the Partnership. Accordingly, CT REIT is exposed to variable returns from its interest in the Partnership and has the ability to direct the relevant activities thereof to affect its returns. Therefore CT REIT consolidates the Partnership and its subsidiaries. Non-controlling interests in the equity of the Partnership, which consists of Class B LP Units held by a wholly owned subsidiary of CTC, are shown separately in equity on the Consolidated Balance Sheets. (b) Joint arrangements A joint arrangement is an arrangement in which two or more parties have joint control. Joint control is the contractually agreed sharing of control whereby decisions about relevant activities require unanimous consent of the parties sharing control. A joint arrangement is classified as a joint operation when the parties that have joint control of the arrangement have rights to the assets and obligations for the liabilities related to the arrangement. A joint arrangement is classified as a joint venture when the parties that have joint control of the arrangement have rights to the net assets of the arrangement. A party to a joint operation records its interest in the assets, liabilities, revenue and expenses of the joint operation. CT REIT has a one-half interest in the Co-Ownership, pursuant to a co-ownership arrangement. The Co-Ownership is a joint arrangement as the material decisions about relevant activities require unanimous consent of the co-owners.  This joint arrangement is a joint operation as each co-owner has rights to the assets and obligations for the liabilities related to the Co- Ownership. Accordingly, CT REIT recognizes its proportionate share of the assets, liabilities, revenue and expenses of the Co- Ownership in its financial statements. (c) Investment properties Investment properties include income-producing properties and properties under development that are held by CT REIT to earn rental income. CT REIT accounts for its investment properties in accordance with IAS 40 - Investment Property. For acquired investment properties that meet the definition of a business, the acquisition is accounted for as a business combination in accordance with IFRS 3 - Business Combinations, otherwise they are initially measured at cost including directly attributable acquisition costs. Subsequent to acquisition, investment properties are carried at fair value, which is determined based on available market evidence at the balance sheet date including, among other things, rental revenue from current leases and reasonable and supportable assumptions that represent what knowledgeable, willing parties would assume about rental revenue from future leases less future cash outflows in respect of capital expenditures. Gains and losses arising from changes in fair value are recognized in net income in the period of change. The initial cost of properties under development includes the acquisition cost of the properties, direct development costs, realty taxes and borrowing costs attributable to properties under development. Borrowing costs associated with direct expenditures on properties under development are capitalized. The amount of capitalized borrowing costs is determined first by reference to property-specific borrowings, where relevant, and otherwise by applying a weighted average cost of borrowings to eligible expenditures after adjusting for borrowings associated with other specific developments. Where borrowings are associated with specific developments, the amount capitalized is the gross cost incurred on those borrowings less any investment income arising on their temporary investment. Borrowing costs are capitalized from the commencement of the development until the date of practical completion. The capitalization of borrowing costs is suspended if there are prolonged periods when CT REIT 2023 ANNUAL REPORT 75 development activity is interrupted. Practical completion is when the property is capable of operating in the manner intended by management. Generally, this occurs on completion of construction and receipt of all necessary occupancy and other material permits. If considered reliably measurable, properties under development are carried at fair value. Properties under development are measured at cost if fair value is not reliably measurable. In determining the fair value of properties under development, management considers, among other things, the development risk of the property, the provisions of the construction contract, the stage of completion and the level of reliability of cash inflows after completion. Leasing costs incurred by CT REIT in negotiating and arranging tenant leases are added to the carrying amount of investment properties. Payments to tenants under lease contracts are characterized as either capital expenditures in the form of tenant improvements that enhance the value of the property or as lease inducements. Tenant improvements are capitalized as part of investment properties. Lease inducements are capitalized as a component of investment properties and are amortized over the term of the lease as a reduction of lease revenue. When an investment property is sold, the gain or loss is determined as the difference between the net disposal proceeds and the carrying amount of the property and is recognized in net income in the period of disposal. (d) Leases - Lessee The REIT assesses whether a contract is or contains a lease, at inception of the contract. Leases are recognized as a right-of- use asset and corresponding liability at the commencement date. Each lease payment included in the lease liability is apportioned between the repayment of the liability and a finance cost. The finance cost is recognized in net interest and other financing charges in the Consolidated Statements of Income and Comprehensive Income over the lease period, so as to produce a constant periodic rate of interest on the remaining balance of the liability for each period. Lease liabilities include the net present value of fixed payments (including in-substance fixed payments), variable lease payments that are based on an index or a rate or subject to a fair market value renewal, amounts expected to be payable by the lessee under residual value guarantees, the exercise price of a purchase option if the lessee is reasonably certain to exercise that option, and payments of penalties for terminating the lease, if the lease term reflects the lessee exercising that option. The REIT allocates the consideration in the contract to each lease component on the basis of the relative standalone price of the lease component and the aggregate stand-alone price of the non-lease components. The lease liability is net of lease incentives receivable. The lease payments are discounted using the interest rate implicit in the lease or, if that rate cannot be determined, the lessee’s incremental borrowing rate. The period over which the lease payments are discounted is the reasonably certain lease term, including renewal options that the REIT is reasonably certain to exercise. Renewal options are included in a number of leases across the REIT. Right-of-use assets are measured at fair value and are included in investment properties in the Consolidated Balance Sheets; and corresponding fair value adjustments are reflected in fair value adjustment on investment properties in the Consolidated Statements of Income and Comprehensive Income. 76 CT REIT 2023 ANNUAL REPORT (e) Revenue recognition - Lessor CT REIT has retained substantially all of the risks and benefits of ownership of its investment properties and therefore accounts for leases with its tenants as operating leases. Revenue recognition under a lease commences when the tenant has a right to use the leased asset. Generally, this occurs on the lease inception date or, where CT REIT is required to make additions to the property in the form of tenant improvements that enhance the value of the property, upon substantial completion of those improvements. Property revenue includes all amounts earned from tenants related to lease agreements including property tax, operating cost and other recoveries. The total amount of lease payments to be received from operating leases is recognized on a straight-line basis over the term of the lease. A straight-line rent receivable, which is included in the carrying amount of investment properties, is recorded for the difference between the rental revenue recorded and the contractual amount of minimum base rent received or receivable. (f) Income taxes CT REIT is a “mutual fund trust” under the Income Tax Act (Canada). The Trustees intend to distribute or designate all taxable income directly earned by CT REIT to Unitholders and to deduct such distributions for income tax purposes. Legislation relating to the federal income taxation of Specified Investment Flow Through (“SIFT”) trusts or partnerships provide that certain distributions from a SIFT will not be deductible in computing the SIFT’s taxable income and that the SIFT will be subject to tax on such distributions at a rate that is substantially equivalent to the general tax rate applicable to Canadian corporations. However, distributions paid by a SIFT as a return of capital should generally not be subject to tax. Under the SIFT rules, the taxation regime will not apply to a real estate investment trust that meets prescribed conditions relating to the nature of its assets and revenue (the “REIT Exception”). CT REIT has reviewed the SIFT rules and has assessed their interpretation and application to CT REIT’s assets and revenue. While there are uncertainties in the interpretation and application of the SIFT rules, CT REIT believes that it meets the REIT Exception. Accordingly, with the exception of transactions with the GP, no net current income tax expense or deferred income tax assets or liabilities have been recorded in the consolidated financial statements. (g) Class C LP Units Each series of the Class C LP Units are redeemable, at the option of the holder, at a specified future date and can be settled at the option of the Partnership in cash or a variable number of Class B LP Units. Accordingly, the Class C LP Units are classified as financial liabilities and fixed payments on the Class C LP Units are presented as interest expense in the consolidated statement of income and comprehensive income using the effective interest method. (h) Non-controlling interests Class B LP Units are classified as non-controlling interests and are presented as a component of equity as they represent equity interests in the Partnership not attributable, directly or indirectly, to CT REIT. CT REIT 2023 ANNUAL REPORT 77 4. INVESTMENT PROPERTIES The following table summarizes CT REIT’s property portfolio: Year Ended December 31, 2023 Year Ended December 31, 2022 Income- producing properties Properties Under Development Total investment properties Income- producing properties Properties Under Development Total investment properties Balance, beginning of period $ 6,703,462 $ 129,538 6,833,000 $ 6,409,844 $ 79,156 $ 6,489,000 Property investments Intensifications Developments Development land Capitalized interest and property taxes Transfers from PUD Transfers to PUD Right-of-use assets - lease amendments and additions Fair value adjustment on investment properties Straight-line rent Recoverable capital expenditures Dispositions 2,087 — — — — — 71,211 70,288 325 7,343 206,780 (206,780) (14,405) 14,405 2,087 71,211 70,288 325 7,343 — — — — — — — (1,805) (78,636) (1,700) 34,276 (389) — — — — — (1,805) 27,047 (78,636) (1,700) 34,276 (389) 27,845 1,844 26,835 — 27,375 — 27,375 136,674 136,674 182,672 (182,672) 76,246 16,468 3,666 — — — — — — 76,246 16,468 3,666 — — 27,047 27,845 1,844 26,835 — Balance, end of period $ 6,849,670 $ 86,330 $ 6,936,000 $ 6,703,462 $ 129,538 $ 6,833,000 Investment properties are measured at fair value, determined using the discounted cash flow method. Under this methodology, discount rates are applied to the projected annual operating cash flows, generally over a minimum term of ten years, and include a terminal value based on a capitalization rate applied to the estimated net operating income in the terminal year. The Property portfolio is internally valued each quarter with external appraisals performed for a portion of the portfolio on a semi- annual basis. Approximately 80% of the Property portfolio (by value) is appraised externally by independent national real estate appraisal firms over a four-year period. Included in CT REIT’s Property portfolio are 12 (December 31, 2022 – 11) Properties which are situated on ground leases with remaining current terms of up to 32 years (December 31, 2022 – up to 33 years), and an average remaining current term of approximately 15 years (December 31, 2022 – 14 years). These 12 ground leases are included in investment properties as right-of-use assets in the amounts of $102,371 as at December 31, 2023 (December 31, 2022 - $104,182). 78 CT REIT 2023 ANNUAL REPORT The significant inputs used to determine the fair value of CT REIT’s income-producing properties and Properties Under Development are as follows: Number of Properties Value at the period end Discount rate1 Terminal capitalization rate 1 Hold period (years) 1 Weighted average rate. Year Ended December 31, 2023 Year Ended December 31, 2022 374 373 $ 6,936,000 $ 6,833,000 7.20 % 6.71 % 11 7.01 % 6.51 % 11 The estimates of fair value are sensitive to changes in the investment metrics and forecasted future cash flows for each Property. The sensitivity analysis in the table below indicates the approximate impact on the fair value of the Property portfolio resulting from changes in the terminal capitalization and discount rates assuming no changes in other inputs. Rate sensitivity + 75 basis points + 50 basis points + 25 basis points Period ended - 25 basis points - 50 basis points - 75 basis points Year Ended Year Ended December 31, 2023 December 31, 2022 Fair value Change in fair value Fair value Change in fair value $ 6,254,000 $ (682,000) $ 6,166,000 $ (667,000) 6,466,000 6,692,000 (470,000) (244,000) 6,380,000 6,588,000 (453,000) (245,000) $ 6,936,000 $ — $ 6,833,000 $ — 7,200,000 7,485,000 264,000 549,000 7,096,000 7,384,000 263,000 551,000 $ 7,796,000 $ 860,000 $ 7,701,000 $ 868,000 CT REIT 2023 ANNUAL REPORT 79 2023 Investment and Development Activity Funding of investment and development activities for the year ended December 31, 2023 was as follows: Property investments Development land Developments Intensifications Total 2023 Investment and Development Activity Funded with working capital to CTC $ Funded with working capital to third parties Funded with Credit Facilities/cash Capitalized interest and property taxes — $ 2,087 — — — $ 46,509 $ 70,904 $ 117,413 — 325 — 23,779 — 7,343 307 — — 26,173 325 7,343 Total costs $ 2,087 $ 325 $ 77,631 $ 71,211 $ 151,254 2022 Investment and Development Activity Funding of investment and development activities for the year ended December 31, 2022 was as follows: 2022 Investment and Development Activity Property investments Development land Developments Intensifications Funded with working capital to CTC $ 8,916 $ 3,918 $ 14,361 $ 70,822 $ Funded with working capital to third parties Funded with Credit Facilities Capitalized interest and property taxes Issuance of Class B LP Units to CTC 10,488 2,324 — 5,647 6,324 6,226 — — 30,073 31,812 3,666 — 6,807 59,045 — — Total 98,017 53,692 99,407 3,666 5,647 Total costs $ 27,375 $ 16,468 $ 79,912 $ 136,674 $ 260,429 5. OTHER ASSETS Other assets include the following: Prepaid property taxes Other prepaid expenses Other assets Current Non-current Other assets 80 CT REIT 2023 ANNUAL REPORT December 31, 2023 December 31, 2022 $ $ $ $ 1,615 $ 4,728 6,343 $ 4,639 $ 1,704 6,343 $ 1,715 3,729 5,444 3,581 1,863 5,444 6. CLASS C LP UNITS The Class C LP Units entitle the holder to a fixed cumulative monthly payment, during the fixed rate period for each Series of Class C LP Units (the “Current Fixed Rate Period”). Such payments are made in priority to distributions made to holders of the Class B LP Units and units representing an interest in CT REIT GP Corp. (“GP”), subject to certain exceptions. On expiry of the Current Fixed Rate Period applicable to each series of Class C LP Units, and each five-year period thereafter, each such series of Class C LP Units is redeemable at par (together with all accrued and unpaid payments thereon) at the option of the Partnership or the holder, upon giving at least 120 days’ prior notice. The Partnership also has the ability to settle any of the Class C LP Units at any time at a price equal to the greater of par and a price to provide a yield equal to the then equivalent Government of Canada bond yield plus a spread, so long as such redemption is in connection with a sale of properties. During the five-year period beginning immediately following the completion of the initial fixed rate period, and each five-year period thereafter, if not redeemed, the fixed payment rate for Class C LP Units will be reset, and the holders of Class C LP Units will be entitled, subject to certain conditions, to elect either a fixed rate or variable rate option. Such redemptions of Class C LP Units (other than upon a change of control of CT REIT) can be settled at the option of the Partnership, in cash or Class B LP Units of equal value. The following table presents the details of the Class C LP Units: Series Series 3 Series 4 Series 5 Series 6 Series 7 Series 8 Series 9 Series 16 Series 17 Series 18 Series 19 Expiry of Current Fixed Rate Period Annual distribution rate during Current Fixed Rate Period Carrying amount at December 31, 2023 Carrying amount at December 31, 2022 May 31, 2025 May 31, 2024 May 31, 2028 May 31, 2031 May 31, 2034 May 31, 2035 May 31, 2038 May 31, 2025 May 31, 2025 May 31, 2025 May 31, 2025 2.37 % $ 200,000 $ 4.50 % 4.50 % 5.00 % 5.00 % 5.00 % 5.00 % 2.37 % 2.37 % 2.37 % 2.37 % 200,000 200,000 200,000 200,000 200,000 200,000 16,550 18,500 4,900 11,600 200,000 200,000 200,000 200,000 200,000 200,000 200,000 16,550 18,500 4,900 11,600 Weighted average / Total 4.41 % $ 1,451,550 $ 1,451,550 Current Non-current Total 200,000 $ — 1,251,550 1,451,550 $ 1,451,550 $ 1,451,550 CT REIT 2023 ANNUAL REPORT 81 For the year ended December 31, 2023, interest expense of $63,962 (2022 - $63,962) was recognized in respect of the Class C LP Units (see Note 17). The holders of the Class C LP Units may elect to defer receipt of all, or a portion of distributions declared by CT REIT until the first business day following the end of the fiscal year. If the holder so elects to defer receipt of payments, CT REIT will loan the holder an amount equal to the deferred payment without interest, and the loan will be due and payable in full on the first business day following the end of the fiscal year in which the loan was advanced, the holder having irrevocably directed that any payment of the deferred payments be applied to repay such loans. At the election of the holder, payments on the Class C LP Units for the year ended December  31, 2023 of $58,631 (2022 – $58,631), were deferred until the first business day following the end of the fiscal year and non-interest bearing loans equal to the deferred payments were advanced. The net amount of payments due in respect of the Class C LP Units at December  31, 2023 of $5,331 (2022 – $5,331) is included in other liabilities on the consolidated balance sheets. The loans deferred as at December 31, 2023 were settled on January 2, 2024. 7. MORTGAGES PAYABLE Mortgages payable include the following: December 31, 2023 December 31, 2022 Current Non-current Total Face value 391 $ 8,473 8,864 $ Carrying amount Face value 508 $ 56,078 $ 8,623 9,131 $ 8,864 64,942 $ $ $ Future repayments are as follows: 2024 2025 2026 Total contractual obligation Unamortized portion of mark to market on mortgages payable assumed on the acquisition of properties $ $ Principal amortization Maturities 391 $ 403 103 897 $ — $ — 7,967 7,967 $ $ Carrying amount 56,167 9,128 65,295 Total 391 403 8,070 8,864 267 9,131 The mortgages payable has an interest rate of 3.24% and a maturity date of March 2026 (December  31, 2022 weighted average interest rate – 5.49%). As at December 31, 2023, fixed rate and variable rate mortgages were $8,864 (December 31, 2022 – $9,242) and nil (December 31, 2022 – $55,700), respectively. In Q1 2023, CT REIT repaid a mortgage which matured in March 2023 for $55,700. Investment properties having a fair value of $20,301 (December  31, 2022 – $150,370) have been pledged as security for mortgages payable. 82 CT REIT 2023 ANNUAL REPORT   8. DEBENTURES The following table presents the details of the debentures: Series B, 3.53%, June 9, 2025 D, 3.29%, June 1, 2026 E, 3.47%, June 16, 2027 F, 3.87%, December 7, 2027 G, 2.37%, January 6, 2031 H, 3.03%, February 5, 2029 I, 5.83%, June 14, 2028 Total December 31, 2023 December 31, 2022 Face value Carrying amount Face value $ 200,000 $ 199,752 $ 200,000 $ 200,000 175,000 200,000 150,000 250,000 250,000 199,672 174,602 199,479 149,320 248,912 248,576 200,000 175,000 200,000 150,000 250,000 — Carrying amount 199,581 199,537 174,487 199,346 149,223 248,731 — $ 1,425,000 $ 1,420,313 $ 1,175,000 $ 1,170,905 Debentures as at December 31, 2023, had a weighted average interest rate of 3.73% (December 31, 2022 – 3.28%). On November 17, 2023, CT REIT completed the issuance of $250,000 of Series I unsecured debentures with a 4.6-year term and a coupon of 5.828% per annum. The net proceeds were used to repay short term indebtedness and for general business purposes. For the year ended December 31, 2023, amortization of transaction costs of $905 (December 31, 2022 - $900) are included in net interest and other financing charges on the Consolidated Statements of Income and Comprehensive Income (see Note 17). 9. LEASES (a) CT REIT as lessee CT REIT is the tenant under 12 ground leases with third party landlords. The remaining current terms of the ground leases are between 3 and 32 years, with an average remaining current term of 15 years. The majority of the ground lease agreements are renewable at the end of the current lease term. Assuming all extensions are exercised, the ground leases have remaining terms between 20 and 50 years with an average remaining lease term of 31 years. For the calculation of lease liabilities related to ground leases, it was determined that all lease renewal options are reasonably certain to be exercised. There are no variable lease payments or guaranteed residual payments with respect to the ground leases. Lease liabilities include the following: Current Non-current Total December 31, 2023 December 31, 2022 $ $ 923 $ 100,177 101,100 $ 649 102,223 102,872 CT REIT 2023 ANNUAL REPORT 83 The decrease of $1,772 from prior year is primarily due to lease amendments, partially offset by an additional ground lease. The contractual undiscounted cash flows of CT REIT lease liabilities are as follows: Less than one year Between one and five years More than five years Total December 31, 2023 December 31, 2022 $ $ 6,067 $ 26,094 217,096 249,257 $ 5,123 26,177 215,426 246,726 CT REIT has in place a leverage and liquidity policy to manage its exposure to liquidity risk associated with the contractual lease liabilities. Details of how CT REIT manages this risk are further discussed under Note 22. There were no expenses in 2022 and 2023 relating to leases of low-value assets or short-term leases. As well, there were no variable lease payments included in lease liabilities at any time during 2022 and 2023. The total cash outflow for leases in 2023 was $4,979 (2022 - $4,528). (b) CT REIT as lessor CT REIT leases income-producing properties (investment properties) to tenants under operating leases. The leases have staggered terms, with a weighted average remaining current term of approximately 8.4 years. The portfolio of leases with CTC generally contain contractual rent escalations of approximately 1.5% per year. For most income-producing properties, the rental income is fixed under the contracts, but some leases require the lessee to reimburse certain costs incurred by CT REIT, such as property taxes and operating costs. When this is the case, these amounts are determined annually. The following table sets out a maturity analysis of lease payments, showing the undiscounted lease payments to be received after the reporting date. Minimum lease receivable 2024 435,123 2025 434,960 2026 2027 2028 Thereafter Total 421,626 398,591 374,471 1,840,803 $ 3,905,574 84 CT REIT 2023 ANNUAL REPORT 10. OTHER LIABILITIES Other liabilities are comprised of the following: Interest payable Capital expenditures payable Salaries and benefits payable Automatic purchase plan 1 Deferred property tax revenue Class C LP Unit payable 2 Other Other liabilities Current Non-current Other liabilities 1 See Note 12. 2 See Note 6 11. CREDIT FACILITIES CT REIT’s draws on its credit facilities are comprised of the following: Bank Credit Facility CTC Credit Facility (a) Bank Credit Facility December 31, 2023 December 31, 2022 $ 8,181 $ 66,778 12,409 12,300 1,076 5,331 12,998 119,073 $ 113,875 $ 5,198 119,073 $ 6,408 74,913 11,717 — 1,133 5,331 10,635 110,137 104,987 5,150 110,137 December 31, 2023 — $ December 31, 2022 99,884 — — $ — 99,884 $ $ $ $ $ CT REIT has a committed, unsecured $300,000 revolving credit facility with a syndicate of Canadian banks (“Bank Credit Facility”) maturing in September 2027. The Bank Credit Facility bears interest at a rate based on a stipulated bank prime rate or bankers’ acceptance plus a margin. A standby fee is charged on the Bank Credit Facility. As of December 31, 2023, the REIT had no draws on the Bank Credit Facility (December 31, 2022 - $99,884, at the weighted average interest rate of 6.16%), and $3,132 (December 31, 2022 – $4,999) of outstanding letters of credit. (b) CTC Credit Facility CT REIT has an uncommitted, unsecured $300,000 revolving credit facility with CTC (“CTC Credit Facility”) maturing in December 2024. The CTC Credit Facility bears interest at a rate based on a stipulated bank prime rate or bankers’ acceptance plus a margin. As of December 31, 2023, the REIT had no draws on the CTC Credit Facility (December 31, 2022 – nil). The Bank Credit Facility and the CTC Credit Facility are herein collectively referred to as the “Credit Facilities”. CT REIT 2023 ANNUAL REPORT 85 12. EQUITY Authorized and outstanding units CT REIT is authorized to issue an unlimited number of units. The following tables summarize the changes in Units and Class B LP Units: Total outstanding at beginning of year Units issued under Distribution Reinvestment Plan Units repurchased and cancelled Total outstanding at end of period Total outstanding at beginning of year Units issued under Distribution Reinvestment Plan Total outstanding at end of year As at December 31, 2023 Units Class B LP Units 127,193,833 107,501,944 1,271,847 (452,141) 108,321,650 — — 127,193,833 Total 234,695,777 1,271,847 (452,141) 235,515,483 Units 106,304,288 1,197,656 As at December 31, 2022 Class B LP Units 126,880,857 Total 233,185,145 312,976 1,510,632 107,501,944 127,193,833 234,695,777 Net income attributable to unitholders and weighted average units outstanding used in determining basic and diluted net income per unit for years ended December 31, 2023 and 2022, are calculated as follows, respectively: For the Year ended December 31, 2023 Units Class B LP Units Total Net income attributable to unitholders - basic $ 105,287 $ 124,147 $ 229,434 63,962 293,396 $ 107,965,763 127,193,833 235,159,596 326,050 101,854,123 337,339,769 Income effect of settling Class C LP Units with Class B LP Units Net income attributable to unitholders - diluted Weighted average units outstanding - basic Dilutive effect of other unit plans Dilutive effect of settling Class C LP Units with Class B LP Units Weighted average number of units outstanding - diluted 86 CT REIT 2023 ANNUAL REPORT Net income attributable to unitholders - basic $ 148,264 $ 176,349 $ Income effect of settling Class C LP Units with Class B LP Units Net income attributable to unitholders - diluted Weighted average units outstanding - basic Dilutive effect of other unit plans Dilutive effect of settling Class C LP Units with Class B LP Units Weighted average number of units outstanding - diluted Distributions on Units and Class B LP Units For the Year ended December 31, 2022 Units Class B LP Units Total 324,613 63,962 388,575 $ 106,893,856 127,123,521 234,017,377 288,433 93,706,035 328,011,845 The following table presents total distributions declared on Units and Class B LP Units: For the year ended December 31, Units Class B LP Units 2023 2022 Distributions per unit Distributions per unit $ $ 0.886 $ 0.886 $ 0.856 0.856 On December 15, 2023, a distribution of $0.07485 per unit payable on January 15, 2024 was declared to holders of Units and Class B LP Units of record on December 29, 2023. On January 15, 2024, a distribution of $0.07485 per unit payable on February 15, 2024 was declared to holders of Units and Class B LP Units of record on January 31, 2024. Units Each Unit is transferable and represents an equal, undivided, beneficial interest in CT REIT and any distributions from the REIT, whether of net income, net realized capital gains, or other amounts, and in the event of the termination or winding-up of CT REIT, in CT REIT’s net assets remaining after satisfaction of all liabilities. All Units rank among themselves equally and ratably without discrimination, preference or priority. Each Unit entitles the holder thereof to one vote at all meetings of Unitholders or with respect to any written resolution of Unitholders. The Units have no conversion, retraction or redemption rights. Non-controlling interests The Class B LP Units are exchangeable on a one-for-one basis (subject to customary anti-dilution provisions) for Units at the option of the holder. Each Class B LP Unit is accompanied by a Special Voting Unit. The holders of Class B LP Units are entitled to receive distributions when declared by the Partnership equal to the per Unit amount of distributions payable to each holder of Units. However, the Class B LP Units have limited voting rights over the Partnership. CT REIT 2023 ANNUAL REPORT 87 Special Voting Units Special Voting Units are only issued (i) in tandem with Class B LP Units of the Partnership or (ii) in limited circumstances to holders of the Class C LP Units and are not transferable separately from the Class B LP Units or Class C LP Units, as the case may be, to which they relate. Upon any transfer of Class B LP Units or Class C LP Units, as the case may be, such Special Voting Units will automatically be transferred to the transferee of the Class B LP Units. As Class B LP Units are exchanged for Units or purchased for cancellation, the corresponding Special Voting Units will be cancelled for no consideration. Each Special Voting Unit entitles the holder thereof to one vote at all meetings of Unitholders or with respect to any resolution in writing of Unitholders. Except for the right to attend and vote at meetings of the Unitholders or with respect to written resolutions of the Unitholders, Special Voting Units do not confer upon the holders thereof any other rights. A Special Voting Unit does not entitle its holder to any economic interest in CT REIT, or to any interest or share in CT REIT, or to any interest in any distributions (whether of net income, net realized capital gains, or other amounts), or to any interest in any net assets in the event of termination or winding-up. CT REIT’s Board retains full discretion with respect to the timing and quantum of distributions. Declared distributions are paid to Unitholders of record at the close of business on the last day of the month on or about the 15th day of the following month. Normal Course Issuer Bid On November 25, 2022, CT REIT received approval from the TSX to purchase up to 3,300,000 Units during the 12-month period commencing November 29, 2022, and ending November 28, 2023 by way of a normal course issuer bid (“NCIB”). During the year ended December 31, 2023, CT REIT acquired and cancelled 452,141 Units at a weighted average purchase price of $13.99 per Unit, for a total cost of $6,332. On November 27, 2023, a renewal of the NCIB (“2023-2024 NCIB”) was approved by the TSX to purchase up to 3,500,000 Units during the 12-month period commencing November 29, 2023, and ending November 28, 2024. On November 27, 2023, the TSX approved an automatic purchase plan (“APP”) in connection with the 2023-2024 NCIB which allows the REIT’s designated broker to periodically purchase Units during the REIT’s blackout periods, subject to pre-defined parameters in accordance with the rules of the TSX and applicable securities laws. As of December 31, 2023, the maximum obligation to repurchase Units under the APP of $12,300 was recognized in other liabilities. At-the-Market Program On May 25, 2023, CT REIT established an at-the-market program (the “ATM Program”) that allows the REIT to issue up to $100,000 of Units from treasury to the public from time to time, at the REIT's discretion. During the year ended December 31, 2023, no Units were issued under the ATM Program. 88 CT REIT 2023 ANNUAL REPORT 13. UNIT-BASED COMPENSATION PLANS Deferred Unit Plan for Trustees CT REIT offers a Deferred Unit (“DU”) Plan for members of its Board who are not also employees or officers of the REIT or any of its Affiliates. Under this plan, eligible trustees may elect to receive all or a portion of their annual trustee fees in DUs. DUs are paid out in equivalent Units of CT REIT or, at the election of the trustee, in cash, following the trustee’s departure from the Board. As at December  31, 2023, accrued DU compensation costs, which are included in other liabilities, totalled $4,800 (2022 – $4,361). Compensation expense recorded related to DUs for the year ended December 31, 2023 was $(170) (2022 - $(274)). The fair value of DUs is equal to the trading price of Units, which is a Level 1 input (see Note 22(a)). Performance Unit Plan for Employees CT REIT offers Performance Units (“PUs”) to certain employees that generally vest after three years. Each PU entitles the employee to receive a cash payment equal to the fair market value of Units of CT REIT, multiplied by a factor determined by specific performance-based criteria, as set out in the PU Plan. As at December  31, 2023, accrued PU compensation costs, which are included in other liabilities, totalled $4,833 (2022 - $4,691). Compensation expense recorded for the year ended December 31, 2023 for PUs granted to employees was $2,122 (2022 - $2,530). The fair value of PUs is equal to the trading price of Units, which is a Level 1 input (see Note 22(a)). Restricted Unit Plan for Executives CT REIT offers a Restricted Unit (“RU”) Plan for its executives. RUs may be issued as discretionary grants or executives may elect to receive all or a portion of their short term incentive plan in RUs. At the end of the vesting period which is generally three years from the date of grant (in the case of discretionary grants) or five years from the short term incentive plan bonus payment date (in the case of deferred bonus grants), the executives will receive an equivalent number of Units issued by CT REIT or, at the executive’s election, the cash equivalent thereof. As at December 31, 2023, accrued RU compensation costs, which are included in other liabilities, totalled $365 (2022 - $428). Compensation expense for the year ended December 31, 2023 was $140 (2022 - $143). The fair value of RUs is equal to the trading price of Units, which is a Level 1 input (see Note 22(a)). CT REIT 2023 ANNUAL REPORT 89 14. NON-CONTROLLING INTERESTS Details of non-wholly owned subsidiaries of CT REIT that have material non-controlling interests are as follows: Proportion of ownership Net income and comprehensive income interests held by non- allocated to non-controlling interests controlling interests As at As at For the year ended For the year ended December December 31, December December 31, 31, 2023 31, 2023 2022 2022 Name of Subsidiary CT REIT Limited Partnership 54.01 % 54.20 % $ 124,147 $ 176,349 There are no restrictions on CT REIT’s ability to access or use the assets and settle the liabilities of its subsidiaries and there are no contractual arrangements that could require CT REIT to provide financial support to its subsidiaries. 15. REVENUES AND EXPENSES (a) Property revenue The components of property revenue are as follows: Base minimum rent Straight-line rent Subtotal base rent Property operating expense recoveries Capital expenditure and interest recovery charge Other revenues Property revenue Base minimum rent Straight-line rent Subtotal base rent Property operating expense recoveries Capital expenditure and interest recovery charge Other revenues Property revenue 90 CT REIT 2023 ANNUAL REPORT $ $ CTC Other 386,032 $ 38,447 $ (2,128) 421 383,904 $ 38,868 $ 90,376 20,034 7 17,894 288 1,401 $ 494,321 $ 58,451 $ For the Year ended December 31, 2023 424,479 (1,707) 422,772 108,270 20,322 1,408 552,772 CTC 371,651 $ 1,142 Other 36,735 $ 702 372,793 $ 37,437 $ $ $ 88,458 14,595 5 18,229 183 1,095 $ 475,851 $ 56,944 $ For the Year ended December 31, 2022 408,386 1,844 410,230 106,687 14,778 1,100 532,795 (b) Property expense The major components of property expense consist of property taxes and other recoverable operating costs: For the year ended December 31, Property taxes Operating costs Property expense 16. GENERAL AND ADMINISTRATIVE EXPENSE General and administrative expense is comprised of the following: For the year ended December 31, Personnel expense 1 Service Agreement expense 2 Public entity and other 1 General and administrative expense 2023 95,145 $ 20,378 115,523 $ 2022 91,524 19,609 111,133 2023 9,825 1,094 4,318 2022 9,708 1,094 3,676 15,237 $ 14,478 $ $ $ $ ¹ Includes unit-based awards, including (gain) loss adjustments as a result of the change in the fair market value of the Units of $(625) (2022 - $(866)) for the year ended December 31, 2023. 2 See Note 21. 17. NET INTEREST AND OTHER FINANCING CHARGES Net interest and other financing charges are comprised of the following: For the year ended December 31, Interest on Class C LP Units 1 Interest and financing costs - debentures Interest and financing costs - Credit Facilities 2 Interest on mortgages payable Interest on lease liabilities Less: capitalized interest Interest expense and other financing charges Less: interest income Net interest and other financing charges 1 Paid or payable to CTC. 2 See Note 21. $ $ $ $ 2023 63,962 $ 41,240 8,905 938 5,201 120,246 $ (5,764) 114,482 $ (540) 113,942 $ 2022 63,962 39,968 2,042 2,377 3,964 112,313 (1,641) 110,672 (256) 110,416 CT REIT 2023 ANNUAL REPORT 91 18. CHANGES IN WORKING CAPITAL AND OTHER Changes in working capital and other are comprised of the following: For the year ended December 31, Changes in working capital and other Tenant and other receivables Other assets Other liabilities Other Year ended 2023 $ 279 $ (353) 2,017 (638) Changes in working capital and other $ 1,305 $ 2022 (850) (916) (2,898) (1,288) (5,952) 19. SEGMENTED INFORMATION CT REIT has one segment for financial reporting purposes which comprises the ownership and management of primarily net lease single tenant retail investment properties located across Canada. 20. COMMITMENTS AND CONTINGENCIES CT REIT has agreed to indemnify, in certain circumstances, the trustees and officers of CT REIT and its subsidiaries. As at December 31, 2023, CT REIT had obligations of $171,513 (December 31, 2022 – $245,547) in future payments for the completion of developments. Included in the commitments is $163,042 due to CTC. 21. RELATED-PARTY TRANSACTIONS In the normal course of operations, CT REIT enters into various transactions with related parties that have been measured at amounts agreed to between the parties and are recognized in the consolidated financial statements. (a) Arrangements with CTC Services Agreement Under the services agreement between the Partnership and CTC entered into on October 23, 2013, as amended and restated as of August 8, 2023 (“Services Agreement”), CTC provides the REIT with certain administrative, information technology, internal audit and other support services as may be reasonably required from time to time (the “Services”). CTC provides these Services to the REIT on a cost recovery basis pursuant to which CT REIT reimburses CTC for all costs and expenses incurred by CTC in connection with providing the Services, plus applicable taxes. The Services Agreement is automatically renewable for one year terms, unless otherwise terminated in accordance with its terms. The Services Agreement was automatically renewed for 2024 and CTC will continue to provide such Services on a cost recovery basis. 92 CT REIT 2023 ANNUAL REPORT Property Management Agreement Under the property management agreement, between the Partnership and CTC entities entered into on October 23, 2013, as amended and restated as of August 8, 2023 (“Property Management Agreement”), CTC provides the REIT with certain property management services (the ‘‘Property Management Services’’). CTC provides these Property Management Services to the REIT on a cost recovery basis pursuant to which the REIT reimburses CTC for all costs and expenses incurred by CTC in connection with providing the Property Management Services, plus applicable taxes. The Property Management Agreement is automatically renewable for one year terms, unless otherwise terminated in accordance with its terms. The Property Management Agreement was automatically renewed for 2024 and CTC will continue to provide such Property Management Services on a cost recovery basis. CTC Credit Facility CT REIT has a Credit Facility with CTC that was entered into on December 18, 2019 and which is automatically renewed for one year terms, unless otherwise terminated in accordance with its terms. The CTC Credit Facility was automatically renewed in December 2023 and expires on December 31, 2024. The CTC Credit Facility bears interest at a rate based on a stipulated bank prime rate or bankers’ acceptance, plus a margin. (b) Transactions and balances with related parties Transactions with CTC are comprised of the following, excluding acquisition, intensification and development activities with CTC which are contained in Note 4: For the year ended December 31, Rental revenue Property Management and Services Agreement expense Distributions on Units Distributions on Class B LP Units 1 Interest expense on Class C LP Units Interest expense on the CTC Credit Facility 1 Includes distributions deferred at the election of the holders of the Class B LP Units. The net balance due to CTC is comprised of the following: As at Tenant and other receivables Class C LP Units Amounts payable on Class C LP Units Loans receivable in respect of payments on Class C LP Units Other liabilities Distributions payable on Units and Class B LP Units 1 Loans receivable in respect of distributions on Class B LP Units Year ended Note 2023 2022 15 $ 494,321 $ 475,851 $ $ $ 1,575 $ 1,550 30,100 $ 29,092 112,637 $ 108,827 17 $ 17 $ 63,962 $ 63,962 1,661 $ 958 December 31, 2023 December 31, 2022 $ (2,613) $ 1,451,550 63,962 (58,631) 50,514 37,363 (25,298) (1,331) 1,451,550 63,962 (58,631) 48,713 36,066 (24,409) Net balance due to CTC $ 1,516,847 $ 1,515,920 1 Includes distributions deferred at the election of the holders of the Class B LP Units. CT REIT 2023 ANNUAL REPORT 93 (c) Compensation of executives and independent trustees The remuneration of the Chief Executive Officer, Chief Financial Officer, Senior Vice President Real Estate, Chief Operating Officer1 and the trustees who were not employees or officers of the REIT or any of its affiliates, is as follows: For the year ended December 31, Salaries and short-term employee benefits Unit-based awards 2 Total $ $ 2023 3,070 $ 1,102 4,172 $ 2022 3,485 1,154 4,639 1 Chief Operating Officer was a position for part of 2022. 2 Unit-based awards, as described in Note 13, includes (decrease)/increase in expense as a result of the change in the fair market value of the Units of ($446) (2022 - ($793)). The remuneration of the Chief Executive Officer, Chief Financial Officer, Senior Vice President Real Estate and Chief Operating Officer consist principally of base salary, short-term cash incentives and long-term incentives (in the form of unit- based awards). The remuneration is determined by CT REIT’s Board of Trustees, on the recommendation of the Governance, Compensation and Nominating Committee. The compensation of trustees, who are not employees or officers of CT REIT or any of its affiliates, consists of an annual retainer and meeting fees. 22. FINANCIAL INSTRUMENTS AND RISK MANAGEMENT a) Fair value of financial instruments For financial reporting purposes, fair value measurements are categorized into Level 1, 2 or 3 based on the degree to which the inputs to the fair value measurements are observable and the significance of the inputs to the fair value measurement in its entirety, which are described as follows: • • • Level 1 inputs: Are quoted prices (unadjusted) in active markets for identical assets or liabilities that the entity can access at the measurement date; Level 2 inputs: Are inputs, other than quoted prices included within Level 1, that are observable for the asset or liability, either directly or indirectly; and Level 3 inputs: Are unobservable inputs for the asset or liability. The fair values of the Class C LP Units and mortgages payable are determined by discounting contractual principal and interest payments at estimated current market interest rates for the instrument. Current market interest rates are determined with reference to current benchmark rates for a similar term and current credit spreads for debt with similar terms and risks. The fair value of each of the Class C LP Units, debentures and mortgages payable at December 31, 2023, was $1,384,302, $1,358,464 and $8,682, respectively. The fair value measurement of the Class C LP Units and mortgages payable is based on Level 2 inputs. The significant inputs used to determine the fair value of the Class C LP Units and mortgages payable are interest rates, term to maturity, and credit spreads. The debentures are actively traded on the secondary market and the fair value is determined using Level 1 inputs. There have been no transfers during the period between levels. Financial assets consist of cash and cash equivalents, and tenant and other receivables which are classified at amortized cost. Financial liabilities, other than those discussed in the preceding paragraph, consist of other liabilities, Credit Facilities and 94 CT REIT 2023 ANNUAL REPORT distributions payable, which are carried at amortized cost, except for liabilities for unit-based compensation plans which are included in other liabilities and are carried at fair value, equivalent to the trading price of Units, which is a Level 1 input. (b) Financial risk management In the normal course of business, CT REIT has exposure to risks from its use of financial instruments. CT REIT is exposed to liquidity and credit risk in connection with its financial instruments. Financial risk management policies are established for CT REIT to identify and analyze the risks faced by CT REIT, to set acceptable risk tolerance limits and controls and to monitor risks and adherence to limits. CT REIT is not exposed to significant currency or market risk arising from financial instruments. Additionally, CT REIT’s exposure to interest rate changes is limited as a significant portion of its indebtedness is at fixed interest rates.  Exposure to variable interest rates is dependent on the extent to which CT REIT has short term borrowings under its credit facilities, any new debt is issued or assumed on acquisitions, new series of Class C LP Units are issued to finance future real estate transactions or any existing Class C LP Units being re-priced or redeemed, as all are market dependent (see Note 6). Liquidity risk Liquidity risk is the risk that CT REIT will encounter difficulty in meeting the obligations associated with its financial liabilities that are settled by delivering cash or another financial asset. CT REIT’s approach to managing liquidity is to ensure that it has sufficient liquidity available through cash, assets readily convertible to cash and committed bank lines of credit to support its monthly cash distributions to Unitholders, meet operating and plan requirements and meet unexpected financial challenges. CT REIT has in place a leverage and liquidity policy to manage its exposure to liquidity risk. Management has identified key financial credit metric ratios and calculates these ratios in a manner to approximate the methodology of two credit rating agencies (S&P and Morningstar DBRS). Management monitors these metrics against the credit rating agencies’ targets to maintain investment-grade ratings. CT REIT uses a detailed consolidated cash flow forecast model to regularly monitor its near-term and longer-term cash flow requirements, which assists in optimizing its cash distributions to Unitholders and evaluating longer-term funding strategies. CT REIT has access to several financing sources to ensure that the appropriate level of liquidity is available to meet its monthly distributions and growth objectives, including both its committed and uncommitted Credit Facilities, each totaling $300,000, direct access to debt and equity markets (subject to consent from CTC), and cash on hand. Credit risk Credit risk is the risk of financial loss if a counterparty to a financial instrument fails to meet its contractual obligations and arises principally from CT REIT’s tenants (which may experience financial difficulty and be unable to meet their lease obligations) and from investment securities counterparties. CTC is CT REIT’s most significant tenant and will be for the foreseeable future. CT REIT’s revenues are largely dependent on the ability of CTC to meet its rent obligations. CT REIT has a Financial Risk Management Board Policy in place for management of counterparty risk related to investing activity. The overall credit risk compliance mechanisms established in this policy include credit rating requirements, approval authorities, counterparty limits, notional limits, term to maturity and portfolio diversification requirements. CT REIT limits its CT REIT 2023 ANNUAL REPORT 95 exposure to credit risk by investing only in highly liquid and rated term deposits, bankers’ acceptances or other approved securities and only with highly rated financial institutions and government counterparties. Interest rate risk Interest rate risk is the potential for financial loss arising from increases in interest rates. CT REIT has minimal exposure to interest rate changes as the initial rate on the Class C LP Units, debentures and certain mortgages payable are at fixed interest rates. CT REIT incurs variable rate indebtedness through certain mortgages payable and borrowings under its Credit Facilities. CT REIT currently has nil (2022 - $99,884) in short-term borrowings outstanding under its Credit Facilities. CT REIT may incur indebtedness in the future that bears interest at a variable interest rate or may be required to issue new debt or refinance existing debt at higher interest rates. 23. CAPITAL MANAGEMENT AND LIQUIDITY CT REIT’s objectives when managing capital are to ensure access to capital and sufficient liquidity is available to meet its financial obligations when due, support ongoing property operations, developments and acquisitions while generating reliable, durable and growing monthly cash distributions on a tax-efficient basis to maximize long-term unitholder value. The definition of capital varies from entity to entity, industry to industry and for different purposes. CT REIT’s strategy and process for managing capital is driven by requirements established under its declaration of trust as amended and restated as of October 22, 2013 and as further amended and restated as of April 5, 2020 and as may be further amended from time to time (“Declaration of Trust”), the trust indenture dated June 9, 2015, as supplemented by supplemental indentures thereto (collectively, the “Trust Indenture”) and the Credit Facilities. As at December 31, 2023, CT REIT was in compliance with the financial covenants contained in the Declaration of Trust, the Credit Facilities, and the Trust Indenture. The following schedule details the capitalization of CT REIT: As at Liabilities Class C LP Units Mortgages payable Debentures Credit Facilities Equity Unitholders’ equity Non-controlling interests Total December 31, 2023 December 31, 2022 $ 1,451,550 $ 1,451,550 9,131 1,420,313 — 1,707,336 2,140,433 $ 6,728,763 $ 65,295 1,170,905 99,884 1,698,250 2,128,923 6,614,807 CT REIT’s Class C LP Units have a fixed, cumulative, preferential cash distribution, if, as and when declared by the board of directors of the GP. 96 CT REIT 2023 ANNUAL REPORT Under the Declaration of Trust, the Trust Indenture, and the Credit Facilities, key financial covenants are reviewed on an ongoing basis by management to monitor compliance with the agreements. The key financial covenants for CT REIT are as follows: • a requirement to maintain, at all times: ◦ ◦ ◦ ◦ ◦ a specified maximum ratio of total indebtedness of CT REIT (plus the aggregate par value of the Class C LP Units) to gross book value of assets a specified maximum ratio of total secured indebtedness of CT REIT (plus the aggregate par value of the Class C LP Units) to gross book value of assets a minimum Unitholders’ equity a ratio of unencumbered assets to unconsolidated unsecured indebtedness a specified minimum debt service coverage ratio defined as earnings before interest and taxes as a percentage of interest expense, which for greater clarity includes payments on the Class C LP Units As at December 31, 2023, CT REIT was in compliance with all of its financial covenants. Under these financial covenants, CT REIT has sufficient flexibility to fund business growth and maintain or amend distribution rates within its existing distribution policy. CT REIT’s strategy is to satisfy its liquidity needs using cash flows generated from operating activities and cash provided by financing activities. Rental income, recoveries from tenants, interest and other income, draws on the Credit Facilities and further issuance of debt and equity are CT REIT’s principal sources of liquidity used to pay operating expenses, distributions, debt service, and recurring capital and leasing costs for its properties. The principal liquidity needs for periods beyond the next year are for redemptions of Class C LP Units upon scheduled expiry of the Initial Fixed Rate Period, refinancing and interest on debentures, capital expenditures, Credit Facilities and Unit distributions. CT REIT’s strategy is to meet these needs through cash flows generated from operating activities and further issuance of debt and equity. CT REIT 2023 ANNUAL REPORT 97 The following table presents the contractual maturities of CT REIT’s financial liabilities: Class C LP Units 1 Debentures Total 2024 2025 2026 2027 2028 2029 and thereafter $ 1,451,550 $ 200,000 $ 251,550 $ — $ — $ 200,000 $ 800,000 1,425,000 — 200,000 200,000 375,000 250,000 400,000 Payments on Class C LP Units 1 488,613 58,712 51,484 49,000 49,000 43,750 236,667 Interest on debentures 214,435 53,132 49,605 42,789 36,464 17,759 14,686 Future undiscounted lease liabilities payments 249,257 6,067 6,425 Mortgages payable Other liabilities Distributions payable 2 Payable on Class C LP Units, net of loans receivable Interest on mortgages payable 8,864 391 403 105,237 100,039 5,198 17,628 17,628 — 5,331 5,331 612 280 — 267 6,550 8,070 — — — 65 6,568 6,551 217,096 — — — — — — — — — — — — — — — Total $ 3,966,527 $ 441,580 $ 564,932 $ 306,474 $ 467,032 $ 518,060 $ 1,668,449 1 Assumes redemption on Current Fixed Rate Period for each series. 2 On Units and Class B LP Units. 98 CT REIT 2023 ANNUAL REPORT GLOSSARY OF TERMS Glossary of Terms “Affiliate” means an affiliate, as such term is defined in the Securities Act (Ontario) of CT REIT (including a partnership or trust controlled by the REIT). “AFFO” is a non-GAAP financial measure and has the meaning given to that term in Real Property Association of Canada (“REALPAC”) under its publications, “REALPAC Funds From Operations & Adjusted Funds From Operations for IFRS” (“REALPAC FFO & AFFO”). It is calculated as FFO subject to certain adjustments to remove the impact of recognizing property rental revenues or expenses on a straight-line basis, and the deduction of a reserve for normalized maintenance capital expenditures, tenant inducements and leasing commissions. “Atlantic Canada” means the provinces of New Brunswick, Newfoundland and Labrador, Nova Scotia and Prince Edward Island. “Board” means the Board of Trustees of the REIT. “Change of Control” means the acquisition by a person, or group of persons acting jointly or in concert, directly or indirectly, other than CTC or any of its Subsidiaries, of more than 50% of the aggregate voting rights attached to the Units and Special Voting Units of the REIT (taking into account (i) full dilution from the exchange of all then-outstanding Class B LP Units into Units of the REIT; and (ii) in respect of any other securities that are convertible or exchangeable into Units of the REIT, only dilution resulting from the conversion or exercise of such other convertible or exchangeable securities held by such person or group of persons). “Class A LP Units” means, collectively, the Class A limited partnership units of the Partnership. “Class A LP Unit” means any one of them. “Class B LP Units” means, collectively, the Class B limited partnership units of the Partnership, and “Class B LP Unit” means any one of them. “Class C LP Units” means, collectively, the Class C limited partnership units of the Partnership, and “Class C LP Unit” means any one of them. “Competitor” means a person who carries on business, or any person who controls or is controlled by such person, in one or more of the following categories: hardware, automotive, sporting goods, apparel and housewares. “CTC” means Canadian Tire Corporation, Limited together with its Subsidiaries (excluding the REIT and the REIT’s Subsidiaries), or, as the context requires, any of them. “CTC Banner” means a CTC name or trademark, including the Canadian Tire, Mark’s , Sport Chek, Sports Experts and Atmosphere, names or trademarks. CT REIT 2023 ANNUAL REPORT 99 GLOSSARY OF TERMS “CTREL” means Canadian Tire Real Estate Limited, a wholly-owned Subsidiary of CTC. “Development Agreement” means the development agreement among the REIT, the Partnership, CTREL and CTC entered into on October 23, 2013, as further described under “Arrangements with CTC - Commercial Agreements with CTC - Development Agreement” of the AIF. “Development Properties” means those Properties being developed or redeveloped, but excludes properties undergoing intensification activities, consisting of the construction of additional buildings on existing assets and modifications to existing buildings, as well as the redevelopment of mixed-use properties. “EBITFV” is a non-GAAP measure of operating cash flow. It is calculated as net income in accordance with GAAP, adjusted by removing the impact of; (i) non-cash adjustments including fair value adjustments on investment properties; (ii) interest expense and other financing costs; (iii) income tax expense; (iv) gains or losses the sale of investment properties; and (v) non- recurring items that may occur under IFRS. “ECL” means expected credit losses. “FFO” is a non-GAAP financial measure and has the meaning given to it in the REALPAC FFO & AFFO. It is calculated as net income in accordance with GAAP, adjusted by removing the impact of: (i) fair value adjustments on investment properties; (ii) other fair value adjustments; (iii) gains and losses on the sale of investment properties; (iv) incremental leasing costs; (v) operational revenue and expenses from right-of-use assets; and (vi) deferred taxes. “FVTPL” means fair value through profit or loss. “GAAP” means generally accepted accounting principles in Canada (which for Canadian reporting issuers is IFRS) as in effect from time to time and as adopted by the REIT from time to time for the purposes of its public financial reporting. “GLA” means gross leasable area. “Gross Book Value” means at any time the total assets of the REIT as shown in its then most recent Consolidated Balance Sheets. “IFRS” means International Financial Reporting Standards as issued by the International Accounting Standards Board and as adopted by the Chartered Professional Accountants of Canada in Part I of The CPA Canada Handbook - Accounting, as amended from time to time. “Intensification” means the development of a property, site or area at a higher density than currently exists, through development, redevelopment, infill and expansion or conversion of existing buildings. “Investment Properties” means the portfolio of properties owned by the REIT 100 CT REIT 2023 ANNUAL REPORT GLOSSARY OF TERMS “NOI” means property revenue less property expense and is further adjusted for straight-line rent. “Property Management Agreement” means the property management agreement among the Partnership, CTC and CTREL entered into on October 23, 2013, as further described under “Arrangements with CTC - Commercial Agreements with CTC - Property Management Agreement” of the AIF. “Properties Under Development” means that portion of any (i) Development Property, (ii) Properties undergoing intensification activities, consisting of the construction of additional buildings on existing assets and modifications to existing buildings, and (iii) mixed use properties being developed or redeveloped. “REIT Exception” means the exclusion from the definition of “SIFT trust” in the Tax Act for a trust qualifying as a “real estate investment trust” under the Tax Act. “ROFO Agreement” means the right of first offer agreement among the REIT, the Partnership and CTC entered into on October 23, 2013, as described under “Arrangements with CTC - Commercial Agreements with CTC” of the AIF. “Services Agreement” means the services agreement among the REIT, the Partnership and CTC entered into on October 23, 2013 pursuant to which CTC or certain of its Subsidiaries provide the Services, as further described under “Arrangements with CTC - Commercial Agreements with CTC - Services Agreement” of the AIF. “SIFT Rules” means the specified investment flow-through rules applicable to SIFT trusts and SIFT partnerships in the Tax Act. “Special Voting Units” means special voting units of the REIT, and “Special Voting Unit” means any one of them. “Unitholders” means holders of Units, and “Unitholder” means any one of them. “Units” means trust units in the capital of the REIT, other than Special Voting Units, and “Unit” means any one of them. CT REIT 2023 ANNUAL REPORT 101 Intentionally Left Blank FEATURED ON THIS PAGE: Canadian Tire Store, Grande Prairie, Alberta 2023 HIGHLIGHTS 99.1% OCCUPANCY +3.5% DISTRIBUTION INCREASE 839K SQUARE FEET ADDED TO PORTFOLIO +3.7% PROPERTY REVENUE +2.5% SAME STORE NET OPERATING INCOME (NOI)1 +4.3% SAME PROPERTY NOI1 +4.6% NOI1 +4.9% AFFO PER UNIT DILUTED (NON-GAAP)2 -26.6% NET INCOME PER UNIT DILUTED +0.2% NET ASSET VALUE (NAV) PER UNIT3 1.1% IMPROVEMENT IN AFFO PAYOUT RATIO2 1 Non-GAAP fnancial measure. Refer to Section 10.1 of the REIT’s 2023 Management’s Discussion & Analysis included in this Annual Report. 2 Non-GAAP ratio. Refer to Section 10.2 of the REIT’s 2023 Management’s Discussion & Analysis included in this Annual Report. 3 NAV/unit is equivalent to GAAP book value per unit. Visit our website at ctreit.com CT Real Estate Investment Trust 2180 Yonge Street, P.O. Box 770, Station K, Toronto, Ontario, Canada M4P 2V8

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