10th December 2008

Dear Investor,

MONEY MAGAZINE'S
BEST OF THE BEST AWARDS 2009

2nd Best Mortgage Fund
3rd Best Cash Management Trust - Non Bank

Every year one of Australia's most popular and respected financial publications Money Magazine independently reviews and awards financial products across three main categories: Investing, Banking and Spending.

La Trobe has featured in the Investing category under the Cash Account sub-category over the past two years with our Cash and Mortgages Option featuring in the top two of the 'Best Cash Management Trust - Non Bank' category.

For 2009, La Trobe's Cash and Mortgages Option was awarded third place in this category.

CMO Award

We are very happy to receive this award for the third consecutive year as the cash sector has become increasingly competitive, especially with the unprecedented flow of cash to banks and yet we have remained in the top three in Australia in this category.

Of particular note is for the first time the La Trobe Australian Pooled Mortgages Option was awarded second place in the 'Best Mortgage Fund' category in Australia. We are very proud of this achievement as we have been competing with some of the leading international players in the Funds Management industry. Over the past six years La Trobe has been the quiet achiever in diligently managing the Pooled Mortgages Option and working our way through the ranks of mortgage funds to become one of the leading providers of mortgage fund investments.

CMO Award

It is a rare achievement for a boutique fund manager like
La Trobe to be named amongst some of the major institutions in Australia. We came second only to AXA. We also note that not only is our rate of return superior to the other funds across all time periods assessed including the current rate* but some of the other funds have presently frozen redemptions and are closed to new investors.

These awards coupled with our three research reports from Adviser Edge (for van Eyk), Standard and Poor's ("S&P") and Property Investment Research ("PIR")(2), the highest performance rating awarded by Morningstar for its category (as noted weekly in the Australian Financial Review) and the fact that we have not 'frozen our redemptions' and continue to pay a competitive rate of return relative to competitors means that our investment approach in managing our fund, and in particular the Pooled Mortgages Option, is now recognised in the industry as a leader.

The awards are featured in Money Magazine's latest release (Dec 2008/Jan 2009) available now.

You can access our independent research reports from Adviser Edge, S&P or PIR from our website or phone our Investor Liaison desk on 1800 707 707 to request a copy of the research reports.


Best regards,
Chris Andrews

QUICK LINKS

> Home
> About Us
> PDS - Want to invest?
> FAQs
> Subscribe Free
> Independent Ratings
> Mortgage Shopping List



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.