29th August 2007

Dear Investor,

La Trobe Foundation Scholarships

The La Trobe Foundation was established in 1978 as a major corporate initiative of the La Trobe Financial Services Group. It recognises the demands placed on both our borrowing and investing clients within the modern society in which we operate. Reaching out and positively influencing others is an essential element of our Foundation, and we do so by supporting the following programs.

The first part of our Community investment is an offering of a range of school Scholarships for both investor and borrower clients' children at various scholastic levels.
La Trobe has a long history of assisting Australians in realising their educational dreams; owning their own home; or obtaining financial independence. We are very proud of the La Trobe Foundation and of the assistance it has provided to the numerous children of borrowers and investors seeking excellence in education. You too can apply for a School Scholarship by completing the Application Form (see link below).

Click here for the Application Form

It is always pleasing to receive feedback from our clients and in particular when we have made a positive difference to someone’s life. We would like to share the following recent letter with you:

Customer Letter:

I would like to take this opportunity to thank La Trobe Financial and staff for your professional way, always courteous and helpful. I appreciate you for informing us regarding the available La Trobe Foundation Scholarship and for faxing the paperwork to our school so that the principal could fill it in.

I have borrowed from La Trobe for a number of years. When I married I made the mistake of allowing my heart to rule my head, and I sold all of my assets; I was yearning togetherness, unity and love. When I left my husband I was sick, penniless and in debt. Slowly I paid off the debts and through borrowing from private funds and later from La Trobe I have slowly built up some equity. The road has been very difficult, my husband has not supported or contributed towards our daughter's schooling and maintenance. Selfish ambition and bad choices on my husband’s part have given us the opportunity to toughen up; the choice, bitter or better. I have encouraged my daughter to work hard and endeavored to set an example. She has gone picking beans/peas during the school holidays for the last 4 years, getting up at four o’clock in the morning and returning about 8 o’clock.

Currently I have the opportunity to renovate a 19 room residence owned by 3 investors and to create more cash flow, but the dilemma is that my daughter does not want to change school as she is settled and is thriving there. She is too young to be on her own. I am praying and hoping that she could stay on at school. Once I have renovated the residence and set up budget overnight accommodation I hope that it will generate the needed cash flow for my daughter to continue her studies and to achieve her dream of becoming a dietician and personal trainer, and for me to be able to look after my daughter and elderly dad.

God has provided for us in numerous wonderful ways, this year I am also going for a divorce and property settlement. I am finding it to be most difficult emotionally, financially, physically and spiritually.

I will always have a very special appreciation in my heart for La Trobe for giving me a break through by lending to me so that I could pay out the private investor, who gave me the first helping hand.

I wish everyone at La Trobe a very fulfilling and successful year and I thank you for allowing my daughter the opportunity of applying for the School Scholarship.

Best regards,
Chris Andrews


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Chris Andrews
Head of Funds Management

t  +61 3 8610 2811
e  candrews@latrobefinancial.com.au

Chris Andrews is the Head of Funds Management for the La Trobe Group and has responsibility for the La Trobe Australian Mortgage Fund.
Read full profile here.

La Trobe is one of Australia's leading independent specialist mortgage Financiers. Its business includes residential mortgages, commercial mortgages, and investment services operating one of Australia's largest Mortgage Funds under AFSL 222213. It employs over 115 staff and has raised over AUD$10Billion to assist over 100,000 customers since inception in 1952.

Copyright 2010 La Trobe Financial. All rights reserved. No portion of this may be reproduced, copied, or in any way reused without written permission from La Trobe Financial. Disclaimer

* La Trobe Financial Asset Management Limited ABN: 27 007 332 363 and AFSL No: 222213 is the issuer and manager of the La Trobe Australian Mortgage Fund. It is important for you to read the Product Disclosure Statement for the Fund before you make any investment decision. You can get a copy of the PDS by calling 1800 818 818. You should consider carefully whether or not investing in the Fund is appropriate for you.
(1) The rates of return from the Fund are not guaranteed and are determined by future revenue of the Fund, and may achieve lower than expected returns. Past performance is no guarantee of future performance. Investors risk losing some or all of their principal investment.
(2) Withdrawal rights are subject to liquidity and may be delayed or suspended.
(3) As at 30/11/10 the La Trobe Australian Mortgage Fund had received a Morningstar RatingTM of 5 stars. The Morningstar Rating is an assessment of a fund's past performance - based on both return and risk - which shows how similar investments compare with their competitors. A high rating alone is insufficient basis for an investment decision. © 2010 Morningstar, Inc. All rights reserved. Neither Morningstar, nor its affiliates nor their content providers guarantee the above data or content to be accurate, complete or timely nor will they have any liability for its use or distribution. Any general advice has been prepared by Morningstar Australasia Pty Ltd ABN: 95 090 665 544, AFSL: 240892 (a subsidiary of Morningstar, Inc.), without reference to your objectives, financial situation or needs. You should consider the advice in light of these matters and, if applicable, the relevant product disclosure statement, before making any decision. Please refer to our Financial Services Guide (FSG) for more information at www.morningstar.com.au/fsg.pdf
(4) 3.75 star rating out of a possible 5 star rating indicates that Adviser Edge believes that La Trobe has performed in line with its peers and exceeded its peers on some fronts.
(5) The Standard and Poors rating of 4 out of 5 stars indicates that S + P has high conviction that La Trobe Financial will consistently generate risk-adjusted fund returns in excess of its relevant investment objectives and relative to its peers.
(6) The award was given to the La Trobe Australian Mortgage Fund, Pooled Mortgages Option.
Research Ratings are subject to change. To view the latest research information please visit www.adviseredge.com.au or www.standardandpoors.com.au. Ratings issued by Adviser Edge Investment Research AFS Licence No. 236783 and Standard & Poors Information Services (Australia) Pty Ltd AFS Licence No. 258896 are solely statements of opinion and not statements of fact or recommendations to purchase, hold, or sell any securities or make any other investment decisions. The ratings are only one factor to be taken into account in deciding to invest. Research Houses receive a fee from La Trobe for rating the product. The Adviser Edge rating is generally a measure of the rated entity's capacity to meet its repayment obligations in all market circumstances.
IMPORTANT: This message, together with the La Trobe Financial website (www.latrobefinancial.com.au) and all its contents have been prepared for general information only and should not be taken as legal or financial advice, and as such the specific needs, investment objectives or financial situation of any particular user have not been taken into consideration. Individuals should therefore talk with their financial planner or advisor before acting on any information present on this message or the La Trobe website.