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Arkus PDS
GPS, in its various forms, has been involved in the management of Mortgage Funds since 1994. Over that time, we have developed a niche market for funding residential construction and development projects in South East Queensland, exclusively through First Mortgages. “First Mortgages” or “Registered First Mortgages” is a be repaid when the property is sold, after the construction is complete. Arkus (“the Fund”) invests with other funds operated by GPS, as joint lenders, in a range of GPS sourced and managed loans. As an Investor in the Fund, your monies are spread across investments in the GPS portfolio. As at 31 December 2025, this totals 7 loans. The Fund’s objective is to provide our Investors with the ability to grow their savings over time. This can be done via lump sum deposits or regular transfers. The Fund is designed for long term Investors who want to maximise returns using GPS loans. This is achieved in a number of ways: 1. Updated information that is not materially adverse will be communicated directly to all investors; 2. The amount of funds held in cash will be minimised. The greater the percentage of the Fund working in loans, the better the potential return; and 3. Minimal down time between investments by maximising Fund assets invested in loans and There are some features of the Fund you should understand before investing. Management Committee The Fund is run by the Arkus management committee which is responsible for selecting all investments and the long term investment strategy. All decisions made by the Arkus management committee must be unanimous. Investors All new Investors entering into the Fund must satisfy the requirements of Fund entry as set
by GPS. Investors sought by the Fund can be described as “motivated” who intend to build their balance over time. Furthermore, Investors will hopefully provide a referral network to other like-minded Investors. Investment Strategy & Your Security Security for your investment is a legal and held over real estate in South East Queensland. See “Your Security” on page 9 for more information. The Fund invests primarily in construction, development and residential investment loans, and cash held in Australian banks. All investments by the Fund approved unanimously by the Arkus management committee will feature GPS loans, being loans made by other schemes operated by GPS, that are either construction loans, residual stock facilities, landholding only loans or other loans related to the construction projects having been assessed as a suitable risk for GPS. We will only take a First Mortgage position as the Fund’s primary registered security. The Fund and other funds managed by GPS may make a loan to the same borrower. In such a circumstance, the Funds may be joint lenders with the loans secured by a joint First Mortgage. Target Market Determination (TMD) The TMD is a document prepared by GPS that outlines who the Fund is considered appropriate for. The TMD should be considered alongside with the PDS when considering an investment in the Fund. However, it is not a PDS nor is it a summary of the product features and terms. The TMD can be found at the rear of this PDS or via www.gpsinvest.com.au/resources. Liquidity It is a non-liquid fund. GPS has taken this course for two main reasons: 1. A major cause of other pooled fund mortgage scheme failures is the mismatching of investment to loan terms. A liquid fund allows for short term withdrawal time frames but many of those funds are secured in long term
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