Private Credit Explained: Income & Alternative Investing

• LaTrobe Financial

LATROBE DISCLAIMER

1. Investor count disclaimer at 14.30

Total investors is calculated by adding all individual & joint investors (which includes some investors with a current zero balance in their account) to reasonable estimates of investors investing via trusts or SMSFs.

2. La Trobe Australian Credit Fund disclaimer at 15.50

La Trobe Financial Asset Management Limited ACN 007 332 363 Australian Financial Services Licence No. 222213 Australian Credit Licence No. 222213 is the responsible entity of the La Trobe Australian Credit Fund ARSN 088 178 321.

3. Rate disclaimer at 17.49

The variable rates of return are current at 1 November 2024. The rates of return are reviewed and determined monthly, are not guaranteed, and may be lower than expected. The rates of return are determined by the future revenue of the Credit Fund, and distributions for any given month are paid within 14 days after month end.

An investment in the Credit Fund is not a bank deposit, and investors risk losing some or all of their principal investment. Past performance is not a reliable indicator of future performance. Withdrawal rights are subject to liquidity and may be delayed or suspended.

4. U.S. Private Credit disclaimer at 29.43 

Please ensure you refer to the Product Disclosure Statement and Target Market Determination before considering an investment in the La Trobe US Private Credit Fund ARSN 677 174 382. La Trobe Financial Asset Management Limited AFSL no. 222213 is the responsible entity and issuer of units in the fund.

Class B Units of the Fund cannot be offered or sold in the United States of America or to U.S. Persons, or for the account or benefit of any “U.S. Persons”. Class B Units are not for use in, and may not be delivered to or inside, the United States of America and investors will execute all agreements related to this investment outside of the U.S. solely on your behalf.

Any advice is general and does not consider your personal circumstances.

5. U.S. Private Credit rate disclaimer at 37.23

The target distribution return is net of fees and costs but excludes any adjustments for FX rate fluctuations. The target return is reviewed monthly and may change. This target return is determined with reference to the return benchmark of the Secured Overnight Financing Rate (SOFR) + 3% as at 31 July 2024. This is a target return only and may not be achieved.