Rismark International ("Rismark") is a global funds management business that has expertise in the execution of sophisticated real estate research and investment strategies. Rismark also has a long history of advising Australian and overseas governments on the development of innovative economic policies as they relate to housing and financial markets.

As a by-product of its quantitative research activities, Rismark has developed the technology and intellectual property underlying the market-leading RP Data-Rismark hedonic property price indices and related automated property valuation models (AVMs), amongst other things. In September 2008 the Australian Stock Exchange ("ASX") selected the RP Data-Rismark hedonic indices as the benchmark indices for the ASX's new residential property derivatives market, which is expected to be launched in mid 2009.

In February 2008 the Mortgage & Finance Association of Australia (MFAA) presented Rismark with the “Non-Bank Lender or Mortgage Manager of the Year – 2008” award at the MFAA’s annual 2008 Excellence Awards. In December 2007 Australian Banking & Finance Magazine selected Rismark as Australia's "Best Financial Start-Up in 2007".

In March 2007 Rismark launched via Adelaide Bank the first "shared equity mortgage" to ever be made available by a private lender in Australia's history.

Rismark's revolutionary Equity Finance Mortgage® ("EFM") has received wide industry acclaim. Your Mortgage Magazine selected the EFM as "Best New Product of the Year in 2007" while Money Magazine selected it as "Best New Product of the Year in 2008". Leading consumer information company InfoChoice has described the EFM as "the most innovative lending product in 15 years". For more detail on EFMs please visit the website www.efm.info

Rismark's business model is built on a 'partnership' approach to its third-party relationships. In this regard, Rismark has executed several exclusive strategic agreements with leading Australian and global financial services companies, including Bendigo & Adelaide Bank, PMI Mortgage Insurance and the LJCB Investment Group.

Key members of the Rismark team include Christopher Joye (Managing Director), John Powell (Executive Director, Capital Markets), Ben Skilbeck (Executive Director, Capital Markets), Harri Rossi (General Manager of Mortgage Markets), Dr Matthew Hardman (Head of Portfolio Management & Research), Dr Alun Pope (Research Manager) and Dr Vito Mollica (Portfolio Manager). For more information on Rismark's management please refer to the Investment Team section.

Rismark has recently launched an innovative suite of advanced residential real estate investment funds. These vehicles are an important development in the asset management world and provide institutions with high growth, low volatility and well-diversified exposures to the residential real estate asset-class. Rismark International Funds Management Limited ("RIFM") is the Manager of all of Rismark's investment funds.

Rismark's management team is supported by a Global Research Advisory Board, which was formed to contribute to the development and execution of Rismark's investment, research and portfolio management objectives. Foundation members of Rismark's Global Research Advisory Board include Professor Robert (Bob) Officer, Professor Alex Frino, Chairman (Sydney University), Professor Barry Nalebuff (Yale University), Professor Joshua Gans (Melbourne University), and Arthur Apted (Australian Farms Funds Management).

Rismark's commercial aim is to be the most disciplined and successful investor in what is the world's largest, albeit entirely untapped, asset class: residential real estate. In Australia alone, this represents an A$3.1 trillion investment category, which historically has not been accessible on a well-diversified, cost-effective, or scalable basis.

Rismark is owned by management and a number of leading financial services companies, including the LJCB Investment Group.

The name "Rismark" is a trade mark of Rismark International. It derives from the unique conjunction of the words "risk" and "markets".

Rismark's products are protected by several innovation patents. For more information, please refer to Intellectual Property.