2 December 2010

Dear Investor,

BACK TO BACK 'BEST MORTGAGE FUND IN AUSTRALIA' AWARDS FOR
LA TROBE'S POOLED MORTGAGES OPTION

For the second year in a row La Trobe's Pooled Mortgages Option has been recognised as the 'Best Mortgage Fund in Australia' by respected financial journal, Money magazine.

This coveted award recognises the outstanding returns that the Pooled Mortgages Option provides for investors (currently 7.65% per annum, increasing to 7.80% per annum from 1 December1). It also reflects the Pooled Mortgages Option's unblemished track record through an extremely difficult time for the investment industry generally.

What are the Pooled Mortgages Option's key features?

  1. Consistently outstanding returns: Lots of funds 'streak' to the top of the return tables over a twelve month period. What separates a great fund from the rest is its ability to replicate those returns over the longer term. The Pooled Mortgages Option has been able to do this. Not only are its twelve month returns outstanding, but it tops the return tables for mortgage funds out as far as seven (7) years.

  2. Reliability: investors in the Pooled Mortgages Option want the reliability of monthly income distributions, with stable access to their money at the end of their investment. La Trobe provides this in spades. The Option has never missed a distribution payment and has never had to freeze redemptions. What's more, no investor in our Pooled Mortgages Option has ever lost a cent1.

  3. Expertise: La Trobe has nearly 60 years experience as a funds manager and mortgage lender. This gives us the edge in identifying the proper assets in which to invest. It also teaches us that there are good times and bad times and a good mortgage fund needs to be structured to thrive in both. Our record in the recent past shows that we have learnt this lesson well.

Is La Trobe independently reviewed?

Morningstar research has awarded the Pooled Mortgages Option its highest 5 star performance rating.#

The Pooled Mortgages Option has also been reviewed by Standard and Poor's (3 star rating out of 5 - investment grade***) and Adviser Edge for van Eyk (3.5 star rating out of 5**).

You can access the independent research reports from Adviser Edge or Standard and Poor's from our website or call our Investor Liaison desk 1800 818 818 to request a copy of the reports.

The awards are featured in Money Magazine's latest release (December 2010 - January 2011) available now.


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.