AUSTRALIAN UNITY INVESTMENTS Strong foundations. Innovative approach.

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1 Australian Unity Investments Victoria Level Albert Rd South Melbourne, VIC 3205 New South Wales Level Margaret St Sydney, NSW 2000 Queensland Level 4, Suite Adelaide St Brisbane, QLD 4000 AUSTRALIAN UNITY INVESTMENTS Strong foundations. Innovative approach.

2 Australian Unity provides funds typically not available through other investment managers. We view the differentiation those products bring favourably. ASSIRT Fund Manager Report, September 2004 WHO WE ARE Dynamic and original Today s investment landscape is rapidly changing. More than ever, investors require innovative thinking and swift responses. Australian Unity Investments are meeting the challenge. We create and source unique investment opportunities that have the potential to deliver better returns. Our approach is enterprising and original, but based on the solid foundation and trust of Australian Unity s 160 years of sustained success. Our structure works to our advantage. We have the flexibility and client focus of a boutique investment house, but as part of the wider Australian Unity Group, we enjoy the professionalism and resources of a major corporation. With over $2.8 billion in funds currently under management, our well-considered strategies are proving their worth. Whatever your investment portfolio, we offer products that can diversify and complement it. David Bryant General Manager Investments Recent successes and product introductions include: > Our true to label Mortgage Income Trust was awarded Income Fund Of The Year by Personal Investor Magazine in 2003 and 2004, plus Mortgage Manager Of The Year in 2004 by ASSIRT and Money Management Magazine. > Our Acorn Microcap Trust has received consistently strong support from advisers as a result of its unique offering and stellar four year track record. > Our Property Income Fund has been enhanced to create an extremely flexible hybrid property investment: broadening the Fund s investment policy and providing the base for our new retail and geared product options. > We established a joint venture with boutique fixed interest manager Vianova Asset Management: a group of talented investment professionals with significant market reputations.

3 MORTGAGES Specialised and secure The Australian Unity mortgage management team provide a range of first-class investment options for investors seeking to diversify across interest bearing investments. We are one of the few fund managers with the in-house expertise required to directly manage mortgages, and are renowned for managing true to label mortgage funds. This is because of our strong credit policy, sound management of cash levels and well-defined risk constraints. Highly respected and experienced, our mortgage team share an average tenure in the banking and finance industry of 17 years. The team follow an extremely rigorous risk management process. Prudent mortgage selection assessment for loan origination has resulted in the flagship product, the Mortgage Income Trust, keeping default loans to an absolute minimum. In fact, we ve never suffered a loss of capital or interest since the Fund s inception in Our approach is to maintain a core exposure to a diversified portfolio of registered first mortgages that provide consistent income and security of capital. The team has built many safeguards into the Trust including a diversified spread of investments across property sectors and geographic locations. They are a steady conservative team with strong lending guidelines and on top of that they are very true to label and quite well positioned because they are a smaller manager. ASSIRT August 2004, as quoted in Money Management Lonsec has awarded Australian Unity its highest rating in mortgage management, based on the team s excellent arrears record, sound management of cash levels over the past three years, well defined risk constraints and experience. Lonsec Managed Funds Research, Australian Mortgages Sector, June 2004* Our Mortgage Income Trust is a stable income producer with an outstanding performance record. It has consistently outperformed its benchmark the UBSA Bank Bill Index (after fees and expenses) producing a reliable and regular monthly income stream for investors. Building on the success of the Trust we have also created the High Yield Mortgage Trust. As the name suggests, the Fund aims to provide investors with higher levels of income by expanding the portfolio to include registered first mortgages over construction, development and specialised loans. The Fund also draws on the expertise of our property team. Their knowledge of developing market trends, plus in-house skills such as valuation, acquisition and development, enables the portfolio to be prudently and efficiently managed for better performance. We operate with a sense of responsibility for your investment and, unlike many larger institutional managers, provide personal and proactive client service. Our depth of experience includes building strong relationships with mortgage originators Australia-wide. These relationships enable us to quickly convert cash into mortgages, ensuring more consistent returns for investors. *Based on the mortgage team s portfolio at that time.

4 PROPERTY Diverse and informed Australian Unity Investments is one of Australia s premier unlisted property managers. Our direct property portfolio is currently valued at over $680 million and comprises 47 properties in 14 different investment products. We are recognised as a major property investment innovator in healthcare and retirement living services. This also enables us to leverage the Australian Unity Group s expertise in these sectors, and make the most of the market opportunities offered by Australia s rapidly ageing population. Australian Unity s property team possess a strong knowledge of the healthcare sector and its dynamics. ASSIRT Bulletin, September 2004 The skill of our property team in all areas of investment property portfolio management is highly regarded. They maintain close connections with key property managers across all Australian states, and work across all areas of property management, including acquisition and disposal, lease negotiation, development and tenancy management. Emphasis is placed on negotiating long-term leases with high quality tenants to maximise rental growth. In addition to providing funds that invest in direct property assets and listed property trusts, Australian Unity Investments is also Australia s third largest property syndicator. Our track record in managing direct property assets is impressive. Since acquiring a number of our competitors in 2001, we have quickly implemented intelligent management initiatives, resulting in impressive returns for investors in our syndicates. Property Funds with Flexibility Our Property Income Funds provide investors with a number of unique benefits including: > Diversification exposure to direct and unlisted properties, property syndications and listed property trusts > Liquidity unlike other direct property investments a portion of the Fund is invested in liquid assets so investors can easily access their money > Gearing options for clients looking to increase their exposure and thereby the potential for greater returns > Proven performance a track record which inspires confidence. Our property team follow a proven selection process that exhibits three fundamental characteristics: > Appropriate and multiple levels of DIVERSIFICATION including geographic location, sector (e.g. retail, industrial and office) and tenant > Stability of INCOME, by carefully reviewing the quality of tenants, their businesses and lease terms > Potential for CAPITAL GROWTH. The team is very experienced and capable. Acquisition of two large property syndicate managers has attracted and retained staff with specific and valuable intellectual property. ASSIRT Fund Manager Report, September 2004

5 PARTNERSHIPS Focused and complementary Our passion is innovative investment. We complement our expertise in property, healthcare and mortgages by partnering with other specialist investment managers. This enables our clients to access further powerful investment strategies. Acorn Capital In 2001, Australian Unity created a 50% owned joint venture with Acorn Capital to provide investors with opportunities that were not readily available in the market. Acorn Capital is one of Australia s only specialist investment managers with a focus solely on microcaps: that is, companies residing outside the top 250 companies in the Australian sharemarket. Acorn Capital s investment philosophy targets the management of microcap portfolios in a way that is founded on structured, fundamental investment analysis. We make full use of the Acorn research team s business and financial markets experience. All investment decisions made are both professionally and academically rigorous. The Acorn Capital Microcap Trust is a unique product offering in Australia, managed by what Lonsec considers to be a highly capable boutique fund manager who specialises in this part of the sharemarket. Lonsec, January 2004 Vianova Asset Management Australian Unity Investments has also recently established a joint venture with Vianova Asset Management. Vianova derives from the Latin words meaning a new way, and it perfectly describes the team s distinctive approach to managing fixed interest investments. If you want to be better than your peers, you cannot be doing exactly the same as them. The arrangement with Australian Unity Investments allows us to focus on the things we do well. Michael Schneider, Vianova Asset Management A boutique absolute return fixed interest manager, Vianova s investment philosophy is to take advantage of the pricing inefficiencies inherent in the fixed interest market. The team aim to outperform competitors without adding risk. Some of the main advantages of using an absolute return fixed interest manager include: > Diversification benefits relative to growth assets > High degree of capital security and liquidity > Opportunity to swim against the market when it s wise to do so > Ability to take advantage of falling prices during market downturns.

6 OTHER INVESTMENT SOLUTIONS Resourceful and astute CUSTOMER SERVICE Professional and dedicated CONTACT US Whether it s an education savings plan, insurance and funeral bonds, or superannuation and retirement products, Australian Unity Investments create effective investment solutions to meet the changing needs of the market. We also complement our own investment expertise by selecting and combining the skills of other specialist investment managers to create interesting new products. Experience demonstrates that no single fund manager can consistently outperform other fund managers across every asset class. Our selection approach involves rigorous in-house research into the fund managers investment styles and processes, the expertise of their team, past risk-adjusted performance, and a range of other qualitative factors. We may also combine fund managers to diversify risk and provide more consistent performance across various market cycles. Our range of products includes fixed interest, listed property, Australian and international equities and pre-mixed portfolios. In addition, we constantly review individual performances to ensure the investment manager mix is the right one for optimal returns. From a single point of contact, we give investors access to a spectrum of opportunities. Australian Unity Investments are part of Australian Unity Limited, a group with a 160 year service culture of caring for the health and financial needs of Australians. It s a heritage that Australian Unity Investments builds on today. We are determined to deliver a level of service that exceeds the expectations of all our clients. We constantly seek to enhance service delivery, both in its quality and speed. This includes actively measuring our performance, and setting improvement targets. Under a group-wide innovation and change strategy all service procedures are consistently reviewed and improved. Because we believe that open communication is a key, we also actively listen to and respond to client feedback. Should issues arise we aim to fully resolve them as swiftly as possible. Of course, without the right people none of this could be achieved. Which is why we ve also invested wisely in employing only the most experienced and dedicated staff. Indeed, we see this as our most important investment of all. And for 160 years it s been providing a great return. Images supplied courtesy of Federation Square Management. In this profile Australian Unity Investments collectively refers to Australian Unity Funds Management Limited ABN AFS Licence No , Australian Unity Property Limited ABN AFS Licence No and Australian Unity Investment Bonds Limited ABN AFS Licence No This information has been prepared as general information only. It is not intended to take the place of professional financial advice and should not be taken as such. While every care has been taken in the preparation of this information, we reserve the right to make corrections. Applications for an investment in any of the Funds mentioned in this profile can only proceed on an application form attached to a current Product Disclosure Statement (PDS). A person should consider the PDS for a product before deciding to acquire it. Copies can be obtained from the Responsible Entities, Australian Unity Funds Management Limited (AUFM), Australian Unity Property Limited (AUPL) or Australian Unity Investment Bonds Limited (AUIBL).

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