RMBL Investments Newsletter — September 2020

Quarterly Update

Funds under management now exceed $1.16 billion. Our fund size continues to grow, largely due to RMBL’s interest rates and the loyalty of its Members.

Announcement

RMBL turned 60 on 28 September 2020. We are proud to have been in business throughout various periods of opportunities and challenges.

COVID-19

RMBL operates within a permitted industry. Our office remains open with appropriate COVID-19 measures in place. We are getting closer to living with COVID-19 at acceptable levels. The Federal Government is making available significant liquidity to ensure that the Australian economy rebounds from the pandemic. Included in this, is the direction to major banks to relax their lending guidelines and support both the SME and housing sectors. We hope that over the coming months all our staff will be able to work in the office. We also look forward to welcoming our Members to our recently refurbished office.

Interest Rates

RMBL’s standard variable interest rate is 7.0% per annum. We continue to charge Borrowers predominantly between 7.0% and 8.5% (variable) depending on the individual loan criteria. The activities of the Reserve Bank and the Federal Government are resulting in the easing of interest rates.

RMBL may at its discretion charge some Borrowers, who present as a low risk and whose business we are keen to retain, rates lower than our standard variable rate for investment grade security properties meeting the appropriate conditions.

Demands For New Funds

We continue to receive substantial support from our Members in the placement of funds with RMBL. We appreciate this vote of confidence! Liquidity levels are currently high within RMBL due to Borrowers settling sales and Members depositing significant funds. However, in these uncertain times we will remain cautious in approving any NEW facilities. We will focus our attention on supporting longstanding Borrowers with their activities and development projects. Our ability to fund good quality projects is critical at this time. Please visit our Investment Opportunities page on our website to browse some of the projects being funded.

Please contact Andre Bokos on (03) 9213 5704 or Dawn Arendse on (03) 9213 5708 to discuss investing additional funds.

Cyber Fraud Threats

Cyber criminals are becoming very sophisticated and can impersonate emails, purporting to be from RMBL. We would strongly suggest that, if you intend to
electronically deposit funds to our Trust account, you call our office to verify any such email instructions before acting on the same.

Sponsorships

RMBL is a major sponsor of some charity and community events:

Let’s Beat Bowel Cancer
This is an initiative of Cabrini Health, dedicated to saving lives through bowel cancer research. RMBL is a Gold Sponsor of this annual event held at Kingston Heath golf course.

Rotary Club of Endeavour Hills
RMBL sponsors their annual charity golf day, which raises funds for “Disaster Aid”. This is an Ambrose event. This year the event was held at Settlers Run Golf & Country Club.

Hawthorn Football Club Past Players & Officials Association — Annual Golf Day
The Association provides an opportunity for past players and officials to gather socially and support the Club. We encourage members who are Hawthorn Football supporters to contact us and register your interest for future charity golf days.

South Gippsland — Leongatha, Meeniyan and Korumburra Bowling Clubs
A number of our Members are associated with these clubs and we are pleased to support them on special player days.

Upper Beaconsfield Village Festival
RMBL sponsors the Group Participation prize in the Tough Tower Challenge Run/Walk. This event takes place on a 6.5km (approximately) undulating course around the streets and tracks of Upper Beaconsfield which started in 1997.

Caroline Chisholm Education Foundation Annual Charity Golf Day
RMBL is a Gold Sponsor of their annual golf day. This is an Ambrose event. The charity supports students in financial hardship to receive a high quality
vocational qualification at the Chisholm Institute.

Girl Guides of Victoria Women of Note Mentor Breakfast
RMBL is a Gold Sponsor of the Annual Casey Mentor Breakfast held at the Bunjil Place function centre. The event aims to provide mentoring opportunities to year 11 students within Victoria.

Taking a Swing for Charity — Annual Golf Day
This event is organized by the City of Greater Dandenong through its business networking unit (SEBN) together with corporate sponsors. The event aims to raise funds for local communities. The primary recipient of support in 2020 is Taskforce, a charitable organisation whose vision is to give life changing opportunities for those most in need.

Member Feedback

We are always interested in receiving suggestions and feedback on how we are servicing our Members. Should you have any suggestions or feedback on how we can improve our communication or service, please inform us by email to team@rmbl.com.au or by calling us on 9213 5700.