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Fund Investment Returns

Target Rates of return to Investors up to 10%, paid monthly or quarterly

XCEDA Mortgage Income Fund Interest Rates

Minimum Investment Term	Rate
12 Months	9.00% p.a.
24 Months	9.50%
36 Months	10.00%

Target Rates as at 15th August 2022*

*The rates are target investment returns and not guaranteed.

The Target Rates are updated on www.xceda.com.au from time to time.

The rates are net of all fees and charges, interest is paid monthly or quarterly (or compounded quarterly).

Key Highlights of the Fund

Type of Investment	Managed Investment Scheme offering fixed interest returns to sophisticated and wholesale investors.
Manager	XCEDA Capital Pty Ltd.
Custodian	XCEDA Investment Services Pty Ltd.
Auditor	Hall Chadwick.
Objectives	To invest in short to medium term loans secured by registered mortgages against residential, commercial, or vacant property and caveats to provide a fixed return for investors.
Choice of Investments	Pools of loans selected by the Manager, secured by 1st and 2nd mortgages.
Investment Confirmation	Once an application has been processed and accepted, XCEDA will issue an investment confirmation to an investor within 7 days.
Investment Strategy	The Manager intends to offer mortgage and caveats secured loans to approved borrowers.
Investment Term	Minimum 12 months.
Minimum Amount	AUD $50,000.00.
Maximum Amount	No Maximum.
Redemption of Units	No early redemption is available.
Distribution	The fund offers a targeted fixed rate of return.
Entry Fees	NIL
Exit Fees	NIL
Security	Your investment is secured by way of registered mortgages and caveats held by the custodian/trustee XCEDA Investment Services Pty Ltd over the borrower's property.
Risks	The risks to investors depend of the financial performance of the funds. The main risks to the business are market risks, default risk and property valuation risk.
Wholesale and sophisticated investors only	This Offer is restricted to wholesale clients and sophisticated investors (within the meaning of the Act). You may qualify to invest in the Fund in the following ways: a. You are a professional investor (as this term is defined in the Act). b. You invest at least $500,000 into the Fund. c. You meet the minimum asset ($2.5 million of net assets) or income ($250,000 of gross income for the last two financial years) requirements set out in the Act. d. You otherwise satisfy us you are not a “retail client” for the purposes of Chapter 7 of the Act.