Investing with TRF

Donald Hinkle-Brown President and CEO Donald.HinkleBrown@trfund.com Mike Crist Chief Financial Officer Mike.Crist@trfund.com 215.574.5800 www.trfund.com
FUND PROFILE

Fund Name: TRF Core Loan Fund

ITS AMAZING HOW YOU CAN TRANSFORM A COMMUNITY WHEN YOU MAKE THE RIGHT INVESTMENT.

Inception: 1986 Fund Type: Fixed Income Fund Size: $123 million (as of 12/31/2011) Investment Size: $1,000 to $5 million Term: 3-30 years Interest: 0-3.75% Geography: Principally Mid-Atlantic
FINANCIAL NOTES

Picture a vacant lot. An abandoned row of houses. A neighborhood in decline. Now imagine that same neighborhood transformed. New homes and schools. Thriving businesses. A growing economy with good jobs. When you invest in The Reinvestment Fund, you invest in people and communities. By joining a public purpose mission with the financial savvy of a bank, TRF creates economic opportunity and strengthens low-wealth communities. Our capital comes from hundreds of diverse investors, including school teachers and CEOs, banks and religious institutions, foundations and government, all of whom help TRF bring change and opportunity to the region.
WHEN YOU INVEST IN TRF, YOU INVEST IN FAMILIES AND COMMUNITIES. AND THE REWARD IS EVEN GREATER THAN THE RETURN.

Healthy loan loss reserve of 6.0% to cover defaults. Over $1,049,900,000 deployed todate with historical charge-off rate of less than 0.96% since inception. Prudently leveraged at less than 3:1. Highest independent industry rating (CARS: AAA +1). Total fund size includes accredited investors as well as non-accredited investors as raised via non-registered, uninsured public solicitation filed annually with PA Securities Commission. Over 800 investors with an average tenure of 10.5 years.

You have lots of choices for your investment dollars. TRF offers an opportunity that not only builds your portfolio, but also builds: Housing for low- and moderate-income individuals and for communities with high potential for market recovery. Supermarkets and other fresh food retailers that bring jobs and increase access to healthy foods in underserved communities. Businesses and commercial real estate assets that anchor neighborhoods, provide jobs, and seed further economic growth. Community facilities like charter schools and social service organizations that improve the choices and resources available to families. Sustainable energy projects that encourage efficiency and the application of clean technologies to build a sustainable energy future for our region.

TRFs approach to generating economic growth is innovative, strategic, and fiscally sound. We apply information and real-world knowledge of the communities we serve to pinpoint rich opportunities and untapped resources. Weve helped reclaim neighborhoods others have left behind and our expertise has made us a national leader.
WHEN YOU INVEST WITH TRF, YOU MAKE MORE THAN MONEY. YOU MAKE A DIFFERENCE.

A TRF investor can lend a minimum of $1,000 for a period of 3 to 30 years. Each investment can earn a small interest that can vary according to the period of investment. For example a $1,000 investment for 10 years can earn 3.25% in interest, as opposed to 1.25% if invested for only 3 years. Some choose to make an equity contribution where every $1 contributed puts $5 to work on the street for years to come. TRF is a 501 c3 and an equity contribution to TRF is completely tax-deductible. The financial return is modest, but the social return is enormous. Together, our investors create new homes, new schools, quality jobs, and thriving businesses in neighborhoods that need them most.

Our results are concrete and measurable, immediate and lasting. TRF has made over $1.1 billion in community investments, financing over 2,670 projects since 1985. Our impact:

19,845 homes 53,120 jobs 9.5 million square feet of commercial space 35,110 charter school seats 10,185 child care seats 104 supermarkets, grocery stores and fresh food retail 600 businesses 4.4 million MWh energy conserved and created enough to power 466,533 homes for a year

What I get from TRF I consider my living return - a return paid back not only in money but also in the benefit of living in a better community. Judy Wicks, restaurateur and TRF investor

ABOUT TRF
PHILADELPHIA BALTIMORE

1700 Market Street, 19th oor Philadelphia, PA 19103 TEL 215-574-5800 FAX 215-574-5900

2 East Read Street, 1st oor Baltimore, MD 21202 TEL 410-783-1110 FAX 410-637-8265

The Reinvestment Fund (TRF), a national leader in the financing of neighborhood revitalization, has invested $1.1 billion in Mid-Atlantic communities since 1985. A CDFI, TRF finances housing, community facilities, supermarkets, commercial real estate and energy efficiency projects. It also provides public policy expertise by helping clients create actionable solutions and by sharing data and analysis via www.PolicyMap.com.

www.trfund.com

www.policymap.com

06/12