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KV Annual Report 2013

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Kv Mortgage Fund Inc. ANNUAL MANAGEMENT REPORT As at February 28, 2013 This annual management report of fund performance contains financial highlights and accompanies the audited annual financial statements of KV Mortgage Fund Inc. (the "Fund"). The Fund will provide you with a copy of the annual financial statements, at no cost, upon request through any of the following means: Phone: Calling the Fund at 1-888-933-1222 (toll free), Jonathan Herman, CFO Email: Emailing the Fund at investor@kvcapital.ca; or Mail: Writing to the Fund at: KV Mortgage Fund Inc. 108, 2627 Ellwood Drive SW Edmonton, Alberta T6X 0P7 11

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