LM Investment Management Ltd (LM) is a privately owned, Australian specialist fund manager and responsible entity which has operated within Australia's business and property sectors since 1998. During this time, LM has developed significant property expertise through the management of its prime investment funds.

We enjoy active participation and recognition as an established lender within Australia's business and property sectors, and are committed to delivering professional and responsive financial services licensed financial intermediaries and the investing public.

We provide established investment funds with a range of flexible options: cash, conservative income, enhanced income and Shariah compliant.

Investment options currently available through LM's international network of licensed financial advisers and intermediaries include the LM Australian Income Fund - Currency Protected, LM Managed Performance Fund, LM Cash Performance Fund and the LM Australian Alif Fund.

LM Investment Management has a 12 year track record for delivering income from its various investment funds.

LM operates internationally from its offices on the Gold Coast, in Sydney , Hong Kong, London, Dubai, Auckland, and Johannesburg. quick facts

LM has become a growing presence in the financial services markets throughout Australia, New Zealand, Asia, Europe, the Middle East and the United Kingdom.

LM is an unlisted public company that is 100% Australian owned and managed. The company is registered with the Australian Securities and Investments Commission (ASIC) as a Responsible Entity and Australian Financial Services Licensee.

Combined, the LM senior executive committee and Board of Directors hold extensive experience and an intimate understanding of the property, finance, insurance, legal, managed funds, human resources, marketing, communication, client relations and accounting.

LM management principles

LM's corporate vision is to be recognised as a leading, innovative and prudential funds manager and provider of financial services. The management team shares a common understanding of business principles to ensure this vision is upheld.

These principles include:

• Delivering a high level of service with clear communication and genuine empathy for clients;

• Offering qualitative investment and lending products;

• Using a research driven approach to anticipate market changes and seek new opportunities;

• protecting the delivery of declared income; and

• protecting the delivery of a stable unit price.

LM culture

At LM, we pride ourselves on our flat and open structure in which all employees enjoy strong autonomy and responsibility.

LM's transparent management style and continuous professional development encourages employee participation in process development and leads to an intelligent, engaged and stable workforce.

We welcome every employee to openly participate in our business and encourage ongoing training and product development. snapshot of the LM way

LM has:

• a company commitment to a professional relationship with financial advisers and intermediaries, brokers, borrowers, wholesale clients, private banks, superannuation funds and institutional clients worldwide;

• a strong credit committee and commercial lending team experienced in all levels of evaluation and management processes;

• specialist personnel that enables LM to excel in the mortgage trust sector;

• an in-house legal and custody team;

• a marketing and treasury group for establishment and maintenance of client relationships;

• a client relations department to support the group with efficient turnaround time on client queries;

• an investment services department responsible for efficient administration and reporting with 'zero tolerance' for errors;

• a business standards and compliance team which ensures compliance and best business practices;

• an IT department delivering leading edge IT solutions to aid company growth and to bring online services to financial advisers and intermediaries; and

• an experienced portfolio and funds management team.

Our products and services

Our communication with our network of advisers and intermediaries allows us to deliver finance and investment products suited to the changing needs of specific markets.

We are strategic thinkers. We have the foresight to identify quality investment opportunities. We keep our fingers on the pulse of Australia 's property and finance markets. We combine with this our sound investment philosophy to provide optimum results for our clients.

Our product innovation and research capabilities are further underpinned by our advanced management and administration systems to provide professional, efficient and competitive investment and lending services to our clients.

Under Australian legislation, and as regulated by the Australian Securities and Investment Commission (ASIC), fund managers of investment funds such as the LM funds must provide specific disclosures relating to fund information, to minimise the risk of misleading investors, or investor misunderstanding. As a Responsible Entity and manager of the LM income funds, LM is required to display the following disclosures relating to the content of this web page.

Past performance is not a reliable indicator of future performance.
Interest distribution rates are variable. Fund performance is not guaranteed and returns could be lower than expected and there is a possibility that an investor could suffer a loss and may lose some or all of their principal investment. Investment in the fund is not a bank deposit.
The unit price may vary, and may decrease depending on the performance and value of the assets of the fund. See page 13 of the PDS for the LM First Mortgage Income Fund under the heading "Unit Pricing" for further details.
LM requests investors consult a financial adviser before making an investment decision. Investors must have read and considered the current Product Disclosure Statement (PDS) and any Supplementary Product Disclosure Statement (SPDS) before deciding whether to acquire or continue to hold an investment in any of the fund products issued by LM Investment Management Ltd.