Resource Credit Income Fund The Resource Credit Income Fund is a continuously-offered, closed-end interval fund that implements a nimble, income-focused credit strategy.

Definitions

Definitions

Definitions

Risk Factors

Risk Factors

Risk Disclosures

Market Overview Today, investors face difficult market conditions. Interest rates sit higher after rising from historic lows, already pricey equity markets continue to become more expensive in a long-in-the-tooth bull market, and global credit markets are dealing with tightening monetary policy and less liquidity. The Resource Credit Income Fund may help investors address these roadblocks. While a bond-heavy, fixed-income allocation may be vulnerable in this environment, the Fund’s focus on floating-rate, senior secured assets supports a fixed-income strategy not dependent on interest rates. And as credit markets learn to live with potentially lower liquidity and less transparency, security selection by active, in-house managers is vital.

Resource Credit Income Fund The Fund seeks to offer income, preservation, and diversification – the core objectives of a traditional fixed-income asset. As you consider how to adapt to today’s investment environment, consider an alternative income-focused strategy built to replace core fixed income.

Interval Fund Structure The Fund’s interval fund structure is a unique aspect – offering an investment with low investment minimums, holdings transparency, and quarterly liquidity.

Investment Categories In addition, the Fund’s structure offers the opportunity to actively invest across public and private credit markets, risk strategies, and institutional managers, seeking to provide both Fund-level and portfolio diversification. And by investing across the credit spectrum, the Fund seeks to achieve its investment objectives of income, capital preservation, and diversification.

Goal: Income Now let’s go through the Fund’s goals – the first is income. As you can see, historically, senior secured loans have provided steady income with downside protection, even as interest rate declines accelerated following the 2008 Recession.

Goal: Income with Interest Rate Protection And speaking of interest rates – we are now in a rising interest rate environment. As traditional fixed income faces potential difficulties as rates rise, senior secured loans may help. These loans typically pay floating interest rates that may generate incremental income as markets rates rise. That being said, 70 percent of the Fund’s invested assets are floating rate, supporting its income strategy and helping mitigate interest rate risk.

Goal: Capital Preservation Senior secured loans are also backed by collateral, and are the first loans to be paid back in the event of default. While there is no guarantee of repayment, and repayment in the event of liquidation is unlikely, senior secured loans’ position at the top of the capital structure increases their capital recovery rates and may help preserve principal. And this is why a majority of the Fund’s portfolio is invested in senior secured assets. As you can see, the Fund’s asset selection allows it to implement a credit strategy focused on replacing core fixed income.

Goal: Diversification As we discussed earlier, the Fund’s structure allows it to diversify across credit markets, risk strategies, and institutional managers. And the diversification may not stop there. The Fund’s investment in senior secured loans may provide low correlation to traditional asset classes. This may help reduce both risk and your portfolio’s overall volatility.

Access The Fund seeks to achieve its goals through its in-house management team, which has a track record of managing investments for both institutional and retail investors. Unlike sub-advised funds, our management team is singularly focused on managing the Fund, wholly aligning our interests with yours. And as part of our private credit strategy, the Fund’s management has access to industry-leading external managers with successful track records of delivering strong returns and managing volatility.

Resource Credit Income Fund So, as you assess the headwinds facing traditional fixed income, consider new asset types and new investment structures. The Resource Credit Income Fund is a continuously-offered, closed-end interval fund that seeks to complement core fixed income in today’s investment environment. How? With an income strategy focused on floating-rate assets that seek to generate income in any interest rate environment, while potentially generating incremental income as interest rates rise By allocating a majority of its portfolio to senior secured assets, which sit at the top of the capital structure in the event of default By investing in multiple investment strategies that seek to offer portfolio diversification Through in-house, active management in a complex, less transparent credit market

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Invest with an Experienced Asset Manager With over 25 years of experience, Resource and its affiliates have expertise managing structured finance, private equity, commercial debt, and multi-strategy credit investments.