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ManagingYour Cash inRetirementRetire with peace ofmind knowing that yourinvestment is workingfor you.

Retire with peace of mindknowing that your investmentis working for you.You’ve worked hard for your money, now it’stime for your money to work hard for you.At FMT, we understand the need to invest withconfidence, with the added flexibility of drawingdown your funds on a regular basis.That’s why we’ve created our Managing YourCash in Retirement solution.This no-fee facility allows you to get all of thebenefits that come from investing with FirstMortgage Trust, together with the ability toaccess your money as and when you need it.Your arrangements can be reviewed at any timeand at no cost, meaning the facility can respondto your changing circumstances in real time.01

Key benefits of the facility1. You can set up regular withdrawals tosupplement your superannuation. We paydirectly into your bank account on the10th or 20th of the month (or the nearestbusiness day – a business day is Monday toFriday excluding public holidays).2. You can still make larger withdrawals forbigger ticket items like holidays, cars orhouse repairs by simply letting us know howmuch you wish to access. Such amounts arepaid out under our usual terms.Which fund is right for you?This facility is available to investors in bothour First Mortgage Trust Group InvestmentFund or First Mortgage PIE Trust. To assistyour decision-making please speak to anindependent financial adviser for guidance.How much to invest and howmuch to drawdown?This is a personal decision and one that willbe driven by your own individual needs andcircumstances. To help you, we have createdan online calculator that takes into accountthe duration of your investment period, thetotal amount invested, forecasted inflationand interest rates.You are welcome to use the calculator and toexplore a range of scenarios. If you need furtherhelp, we suggest speaking to a financial adviserbefore making any final decisions.To view the calculator go tofmt.co.nz02

Your investment cancontinue to earn consistentreturns and provide you witha regular income.To get started, simplycomplete the form on pages7 and 8 (plus an InvestmentApplication Form if you are nota current investor with us).Find out more0800 321 113 fmt.co.nz03

Use our calculatorTo use our calculatorgo to fmt.co.nz, clickon the ‘Invest’ taband scroll down to the‘Managing Your Cash InRetirement’ section.fmt.co.nzAssess or reassess your position using thefollowing steps:1. Enter your proposed investment amount.2. Enter the rate of return you expect FirstMortgage Trust to be paying during thenext year. This rate will vary according tomarket conditions.3. Enter an anticipated inflation rate(e.g. CPI increase).4. Enter the amount you would like to withdrawmonthly and have paid automatically toyour nominated bank account.5. Enter your anticipated tax rate.The calculator will provide a table showingapproximately how long it will take to consumeyour original capital investment (see sample onthe following page).If you need help, you should speak to a financialadviser before making any final decisions.04

Sample Calculation 1Initial Sum: 100,000Return:4.85%Inflation:2.00%Monthly withdrawal: 800Tax Rate:17.50%YearOpeningBalance NetWithClosingInterest drawals Balance 11,7039,759129,7591799,9353This is a sample only. Future returns and inflationmay differ, and the differences could be significant.This sample shows a capital sum of 100,000 beingfully utilised in 12 years.Find out more0800 321 113 fmt.co.nz05

Sample Calculation 2Initial Sum: 250,000Return:4.70%Inflation:2.00%Monthly withdrawal: 2,000Tax Rate:33%YearOpeningBalance NetWithClosingInterest drawals Balance 35,4061135,40670329,2566,854126,854346,8880This is a sample only. Future returns and inflationmay differ, and the differences could be significant.This sample shows a capital sum of 250,000 beingfully utilised in 12 years.06

Please complete the form below if you would like toparticipate in the Managing Your Cash in Retirement facility.Section 1: Contact DetailsInvestor 1Full NameInvestor 2Full NameAddressEmailPhone()Investment Number(for existing investors)Commencement DateSection 2: Bank DetailsPlease enter the bank details you wish the withdrawalsto be paid into.Account NameAccount NumberBankBranchAccountSuffixI/We have attached a copy of my/our bankstatement or a printed deposit slip.I/We understand that I/we may vary or cancel thisinstruction at any time by giving notice in writingnot less than two clear business days prior to thenext scheduled withdrawal.Dated:day of20(signed)(signed)Continue over the page07

Section 3: Instructions for Withdrawals of funds Please make regular withdrawals offrom my/our investment funds on the selected day ofeach month (or the nearest practical business day), tomy/our nominated bank account:10th20thPlease withdraw the funds from my/our investment inthe Fund selected below:First Mortgage Trust Group Investment FundFirst Mortgage PIE TrustNew Investors Only:I have attached a completed investmentApplication Form (located at the back of ourcurrent Product Disclosure Statements).Section 4: Change to existing instruction for regularWithdrawal of fundsThe following instruction replaces my existing withdrawalinstruction effective from//20Please make regular withdrawals of from my/our investment funds on the selected day ofeach month (or the nearest practical business day), tomy/our nominated bank account in the section below:10th20thPlease withdraw the funds from my/our investment inthe Fund selected below:First Mortgage Trust Group Investment FundFirst Mortgage PIE Trust08

31-03-2022Find out more0800 321 113fmt.co.nzFirst Mortgage Managers Limited, the issuer, is not aregistered bank under the Reserve Bank of New Zealand Act.Product Disclosure Statements are available at fmt.co.nz.

fmt.co.nz. Find out more 0800 321 113 fmt.co.nz To get started, simply complete the form on pages 7 and 8 (plus an Investment Application Form if you are not a current investor with us). Your investment can continue to earn consistent returns and provide you with a regular income. 03.