Benefits and Features of Fund

Contributory Mortgage Schemes	The offer is a contributory mortgage Scheme which means that Investors can select which mortgage Investment best suits their risk profile. Investments are not pooled with other Investors’ money and each Investor holds a beneficial interest in the mortgage in which they choose to invest. In pooled schemes, investors do not have an interest in a particular loan, but have an interest in scheme property as a whole.The details of each mortgage Investment will be set out in a supplementary PDS. An Investor may only invest in a particular mortgage Investment by signing the consent form in the supplementary PDS applicable for that mortgage Investment.
Attractive Investment Returns	The returns offered to Investors range from 7-8% per annum for first mortgage investments. Details of each investment return will be outlined in a Supplementary Product Disclosure Statement. Distributions to Investors are generated by interest payments received from the borrower of the Scheme.
No Fees and Costs payable by Investor	No entry or exit fees are payable by Investors. The borrower pays all of the establishment fees and interest costs on the loan. This means that the investor’s total investment capital is receiving interest returns.
Minimum Investment	The minimum application is $5,000 with further increments of $1,000 providing the flexibility for Investors to choose the level of capital investment into various products and thereby diversifying their investment portfolio. The Manager has the right to accept lower amounts at its discretion.
Directors Expertise	The Directors have considerable knowledge and experience in property valuations and lending to most property sectors and are well known and respected in the property development community in Victoria.
Investor Profile	The investment is suitable for a range of investor classes including superannuation funds, enabling diversity of investment portfolios.
Investment Term	Investment terms range from 6 months to 5 years providing Investors the ability to select the most appropriate investment strategy suitable for their own cash flow planning.
ASIC and Statutory Licensing and Legislation	Platinum currently meets all of the regulatory and legal requirements imposed by ASIC for holders of licenses of this type.Investors can take comfort that their money is held in specified mortgages and that independent parties regularly check on the performance of the Manager.

Disclaimer: Platinum Mortgage Securities (Vic) Limited ACN 158 339 372 & AFS Licence No 432787 is the issuer and manager of the Platinum First Mortgage Income Fund. It is important for you to read the Product Disclosure Statement for the Fund before you make an investment decision. 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. Investors risk losing some or all of their principal investment. The investment is not a bank deposit.  Withdrawal rights are subject to liquidity and may be delayed. Past performance is no guide to future performance.  These rates represent the average rates payable on our fund and may not be indicative of the returns on the investment selections of individual investors.