Benefits of investing in the IOOF Cash Management Trust

Investing in the Trust offers investors a range of benefits including:

• Relatively stable investment - the Trust provides a strong capacity to maintain principal stability and to limit exposure to principal losses due to credit, market or liquidity risks, making it an ideal investment to compliment your diversified investment portfolio.

• Liquidity - the underlying investments are liquid so you can redeem your investment at any point in time.

• Access to investment opportunities - investing in a Trust means your money is pooled with that of other investors. This provides the Trust with the investment buying power not often available to you as an individual investor with smaller amounts to invest. This means you can gain access to investment markets and risk management techniques that would not normally be accessible to individual retail investors.

• Professional management - IIML's investment professionals manage the Trust using a disciplined investment approach aimed at delivering a regular income stream and competitive returns.

• Income distributions - investing in the Trust means you may receive regular income from your investment in the Trust in the form of income distributions. However, there may be times when income distributions cannot be made, are lower than expected or are delayed.

• Easy access to your information - you can obtain up-to-date information about the Trust by visiting the IOOF website at www.ioof.com.au, contacting our client services team on 1800 002 217, or emailing us at clientservices@ioof.com.au.

Risk level

Low

Investor suitability

Investors seeking:

• a low risk stable investment
• who require regular income over the short to medium-term
• who require ready access to their funds.

About the Fund

The Trust is a managed portfolio of high quality cash and short-term money market securities that aims to provide:

• a low risk and stable investment

• a regular income stream over the short to medium-term

• ready access to your funds.

Our investment approach

Our investment team consists of experienced investment and research professionals employed by IIML to undertake the portfolio construction, analysis and ongoing management of the assets of the Trust. This means the blend of investment assets can be adapted to changing market conditions.

Where it is considered more efficient to do so, we may engage other underlying investment managers to directly manage the assets of the Trust.

If we do add, or change underlying investment managers within the Trust's portfolio, a list of those other underlying investment managers will be located on the IOOF website, www.ioof.com.au.

How we invest your money

The Trust predominantly invests in high quality short-term money market and bank based securities, to achieve a very stable income stream and attempts to forecast the short-term direction of the interest rate cycle.

Asset class and target asset allocation

• Cash and short-term securities: 100%

Derivatives

Derivatives are generally used as a tool to assist investment managers in controlling the various risks associated with investing.

The Trust may use a range of derivative instruments for hedging purposes and for more efficient and cost effective implementation of investment strategies. Derivatives will not be used to gear the Trust's portfolio.