Product. Disclosure Statement. 2. How superannuation works. 1. About Russell SuperSolution CONTENTS. Russell SuperSolution General Division

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1 Your Product Disclosure Statement Russell SuperSolution General Division 1 July 2015 CONTENTS 1. About Russell SuperSolution How superannuation works Benefits of investing in Russell SuperSolution Risks of superannuation How we invest your money Fees and costs How superannuation is taxed Insurance in your superannuation How to open an account...8 Important information about this Product Disclosure Statement (PDS) This PDS provides a summary of the key information you need to make a decision. It includes links to additional information that is part of this PDS marked with a symbol. This is important information you should read before making a decision to invest in Russell SuperSolution. The information provided in the PDS is general information only and doesn t take account of your personal financial situation or needs. You should obtain financial advice tailored to your personal circumstances. This Product Disclosure Statement (PDS) is produced by the Trustee of the Russell SuperSolution Master Trust (Fund, Plan or Russell SuperSolution), Total Risk Management Pty Ltd (Trustee), ABN The Trustee s Australian Financial Services Licence (AFSL) number is The Russell SuperSolution ABN is If you would like a free paper copy of this PDS, or any other relevant information, please contact the Helpline About Russell SuperSolution Russell SuperSolution s General Employer Division is MySuper compliant which offers members a range of 15 investment portfolios to choose from. The Russell Balanced Opportunities Portfolio is the MySuper Portfolio in Russell SuperSolution. You can invest in up to 12 investment portfolios at a time. If you don t make an investment choice, your account will be invested into the default investment option, the Russell Balanced Opportunities Portfolio. Many people are daunted by the prospect of sorting out their superannuation. But this doesn t need to be the case. Every step of the way, we strive to keep super simple and relevant to your personal situation. We help you take action and feel good about your super, throughout your working life and into retirement. We keep it simple. Build the retirement you want in 5 steps - go to Transitioning Accrued Default Amounts Under legislation, the Trustee is required to transfer your account balance to a MySuper product by no later than 1 July 2017 if it includes what is called an Accrued Default Amount (ADA). The Trustee will determine which members have an ADA and identify an appropriate MySuper product. Impacted members will be notified and will have not less than 90 days to decide whether they want to have their account balance transferred or not. Information at your fingertips Visit trustee-required-disclosure for all disclosure information relating to the fund that must be disclosed under the SIS Regulations. This includes the following: Product dashboard for our MySuper and Choice products, each trustee & executive remuneration disclosure and any other documents required to be disclosed. 2. How superannuation works Superannuation is a long-term, partly compulsory way of saving for your retirement. There are different types of contributions available (for example, contributions by your employer, contributions that you choose to make and Government co-contributions). There are limitations on contributions to and withdrawals from superannuation. Tax savings are provided by the Government. Most people have the right to choose into which superannuation entity their employer should direct their superannuation guarantee contributions. In Australia, superannuation investments receive special tax concessions that aren t available to other types of investments. That s why superannuation is such a powerful vehicle to save for retirement. As your superannuation is likely to be one of your biggest assets in retirement, the choices you make today could significantly impact your lifestyle in retirement. You should read the important information about How superannuation works before making a decision - go to and click section 1 in the table of contents. This material relating to How superannuation works may change between the time when you read this PDS and the day when you join the Fund. Russell SuperSolution General Division Your Product Disclosure Statement p1

2 3. Benefits of investing in Russell SuperSolution Your benefit in Russell SuperSolution is accumulation style. All contributions and positive investment earnings are credited to your account. Any fees, tax and negative investment earnings are debited from your account. When you leave the Plan, the balance of your account will be paid to you (if no longer preserved) or to another fund, as directed by you. You can choose how your account is invested from the available investment portfolios. In the event of your death or if you become disabled while a member of the Plan, you may be entitled to an insured benefit, in addition to your account balance (provided you satisfy any eligibility conditions for provision of insurance). Refer to section 8 Insurance in your superannuation within this document for details of the available insurance cover. Investing in Russell SuperSolution offers you a range of benefits: Investment choice & flexibility: choose from 15 different portfolios, including pre-mixed or build-your-own options. Switch your options or top-up at any time. Help and advice: for free general advice or personalised super advice contact the Russell Helpline. If you need financial planning help beyond just your super account, we can refer you to a licensed adviser. Online access: to your account, as well as fact sheets and planning tools via our website at One Fund for life: we make it easy to stay with Russell SuperSolution as you change employers and when you retire. You should read the important information about the Benefits of investing with Russell SuperSolution before making a decision - go to and click section 2 in the table of contents. This material relating to the Benefits of investing with Russell SuperSolution may change between the time when you read this PDS and the day when you join the Fund. 4. Risks of superannuation Investment risk/return trade-off All investing involves risk. It s the trade-off for the return that investors seek. Assets with higher expected long term returns generally carry a higher level of short term risk. For example, shares and commodities have relatively higher risk and higher expected return than fixed interest and cash. As with most investing, it is not guaranteed that you will make money. The value of your investment can go up or down with the value of investments of the portfolios you are invested in. Short-term fluctuations in the value of investments are common, particularly with respect to shares and commodities. Different types of investments perform differently at different times and carry varying forms of risk (which is why we recommend a diversified investment mix). The relative risk of each portfolio depends on its asset allocation. The risk/return graph below indicates the relative position of each major asset class. Position on risk/return spectrum HIGH Expected return LOW LOW Property Infrastructure Fixed Interest and Cash Expected risk Source: Russell Investment Management Ltd. Shares Commodities HIGH Risks may result in a loss. You could receive back less than you invested and there is no guarantee that you will receive any positive investment returns. Also remember that past returns are not a reliable indicator of future returns. Other risks Superannuation and taxation laws may change during the life of your investment and this might affect your final benefit, as well as how and when it is paid. Further, there is a risk that your final superannuation benefit may not be enough to meet your retirement needs. Managing risks When assessing which portfolios to invest in, we recommend you pay particular attention to the investment return objective, suitability, minimum investment timeframe, investment strategy and risk level sections provided for each portfolio. You should read the important information about the Risks of Superannuation before making a decision - go to and read section 1 of the Investment Guide. p2 Russell SuperSolution General Division Your Product Disclosure Statement

3 5. How we invest your money Russell SuperSolution s General Division is MySuper compliant which offers investors 15 investment options to choose from. The Russell Balanced Opportunities Portfolio is the MySuper Portfolio in Russell SuperSolution. You can invest in up to 12 investment portfolios at a time. If you don t make an investment choice, your account will be invested into the default option, the Russell Balanced Opportunities Portfolio. Choosing your investments If you would like to choose your investments you can select one or more of the Russell Diversified Portfolios or one or more of the single sector portfolios to help you build your own customised asset allocation. The investment menu may change, please refer to the Investment Guide for the latest list of investment options. Russell Diversified Portfolios Russell Conservative Russell Diversified 50 Russell Blended Balanced Russell Balanced Russell Balanced Opportunities Russell Growth Russell High Growth Russell Sector Portfolios Australian Russell Australian Cash Russell Australian Shares Russell Australian Opportunities Russell Socially Responsible Australian Shares Russell Sector Portfolios Global Russell International Property Securities - $A Hedged Russell International Shares Russell International Shares - $A Hedged Russell Global Opportunities WARNING: You must consider the likely investment return, the risk and your investment timeframe when choosing the portfolio(s) into which you wish to invest. Russell Balanced Opportunities Portfolio Investment return objective: To earn a return after expected costs and tax, exceeding CPI* by 4.0% per annum, measured over rolling 5 and 10 year periods. Suitability: Suitable for investors who are seeking to build wealth over the medium to long term and are willing to accept the possibility of negative returns over the shorter term. Minimum investment timeframe: Be prepared to stay invested in this option for at least 5 years before it meets its objectives. Investment strategy: The Portfolio is typically exposed to a diversified portfolio mix of around 70% growth investments and around 30% defensive investments^. The Portfolio may be exposed to derivatives. Estimated Investment feeˇ: 0.46% p.a. Risk level: See the Investment Guide for more information. Risk level for the time invested Length: Short Long Risk: Medium to High Low Estimated number of negative annual returns over any 20-year period: Approx 3 to 4 Asset allocation ranges # : Australian Equities International Equities Property 0% Fixed Income 0% Cash 0% Infrastructure 0% 25% Commodities 0% 10% Other Alternatives 0% 25% 5 15% 15% 30% 35% 25% 45% 45% You should read the important information about How we invest your money which will have details on each of the investment portfolios, before making a decision go to and click section 2 in the table of contents. * CPI stands for Consumer Price Index, which is used as a measure of inflation. ^ Please refer to the asset allocation ranges for details of the parameters surrounding the investment strategy. ˇ Indicates a performance fee element. Please see Performance fees under section Additional Explanation of Fees and costs of the Insurance, Fees and Costs Guide. # The actual asset allocation may temporarily fall outside the ranges stated above in certain circumstances, such as asset transitions or extreme market movements. This material relating to How we invest your money may change between the time when you read this PDS and the day when you join the Fund. Russell SuperSolution General Division Your Product Disclosure Statement p3

4 6. Fees and costs Did you know? Small differences in both investment performance and fees and costs can have a substantial impact on your long term returns. For example, total annual fees and costs of 2% of your fund balance rather than 1% could reduce your final return by up to 20% over a 30-year period (for example, reduce it from $100,000 to $80,000). You should consider whether features such as superior investment performance or the provision of better investor services justify higher fees and costs. You may be able to negotiate to pay lower contribution fees and management costs where applicable. Ask the fund or your financial adviser. To find out more? If you would like to find out more, or see the impact of the fees based on your own circumstances, the Australian Securities and Investments Commission (ASIC) website (www.moneysmart.gov.au ) has a superannuation calculator to help you check out different fee options. It can be used to calculate the effect of fees and costs on account balances. Russell Balanced Opportunities Portfolio Type of fee or cost^ Amount How and when paid Investment fee 0.46%* p.a. of your account balance. The investment fee is deducted from investment returns before the unit price is declared and is not deducted from your account. Administration fee # Buy-sell spread 0.55% p.a. of your account balance. Plus a fixed-dollar amount of $82.45 p.a. Nil for your first 5 investment switches in one financial year; 0.20% of the switched amount on any subsequent switches. The administration fee is deducted from your account on the last business day of each month. The fixed-dollar fee will be indexed by AWOTE at 1 July each year. You can make 5 investment switches per financial year without being charged a buy-sell spread. The fee applies on the 6 th and any subsequent switches that you make and is deducted from your account at the time of the switch. Switching fee Nil Not applicable Exit fee $79.35 per payment. This fee applies when you take part or all of your benefits out of the Fund and is deducted from your account at the time of the payment. This fee will be indexed with AWOTE at 1 July each year. Advice fees relating to all members investing in a particular MySuper product or investment option Nil for general and simple personal advice related to your interests in Russell SuperSolution. Not applicable Other fees and costs An insurance fee is payable for your insurance cover with Russell SuperSolution. Family Law fees are payable for information requests and for payment splits. An advice fee for complex personal advice may be payable. You can read more about these fees in the Additional Explanation of Fees and costs section of the Insurance, Fees and Costs Guide. Indirect cost ratio (ICR) Nil Indirect costs are costs charged to Russell SuperSolution, rather than directly to members. These costs are deducted from investment returns before the unit price is declared and are not deducted from your account. ^ All fees other than indirect costs are net of any tax deductions that can be claimed by the Fund. * The Investment fee varies according to the Portfolio you invest in. The quoted fee here is for the Russell Balanced Opportunities Portfolio and includes a performance fee. # A fee reduction may apply to these fees. The Insurance, Fees and Cost Guide and your Employer Fact Sheet provide details of the fees that apply to you, including any fee reductions that you may be eligible for. WARNING: Additional fees may be paid out of your superannuation account to an external financial adviser for advice in relation to your Russell SuperSolution membership. This fee will be a dollar amount or percentage-based fee as agreed between you and your adviser and set out in a Statement of Advice provided to you by your adviser. p4 Russell SuperSolution General Division Your Product Disclosure Statement

5 This section shows fees and other costs that you may be charged in respect of the Russell Balanced Opportunities Portfolio. These fees and costs may be deducted from your money, from the returns on your investment or from the assets of the portfolio as a whole. Taxes and insurance costs are set out in another part of this document. You should read all the information about fees and costs because it is important to understand their impact on your investment. Similar information will be included in PDSs for other superannuation funds so that you can compare the Russell SuperSolution fees and costs with those of other superannuation funds. You should read the important information about Fees and costs, including fee and cost information for the other portfolios, before making a decision - go to This material relating to Insurance, Fees and Costs Guides may change between the time when you read this PDS and the day when you join the Fund. Fee definitions can be found at Example of annual fees and costs for the Russell Balanced Opportunities Portfolio The table below provides an example of how the fees and costs in the Russell Balanced Opportunities Portfolio of Russell SuperSolution can affect your superannuation investment over a one year period. You should use this table to compare this product with other superannuation products. As noted above, fees and costs can be paid directly from your account, or deducted from investment returns. Changes in fees The Trustee has the right to change Russell SuperSolution s fees at any time without your consent. The Administration fee and the Exit fee are automatically indexed to Average Weekly Ordinary Time Earnings (AWOTE) each year on 1 July. Any material increase in the fees you are charged will be communicated to you at least 30 days before they are charged. 7. How superannuation is taxed Superannuation is one of the most tax-effective ways to save for retirement. Even so, taxation laws are complex and subject to change. To make the most of your superannuation, you might like to consult your accountant or tax adviser for specific details about how you will be taxed. This advice may be particularly useful as you approach retirement and need to decide how and when to withdraw your superannuation. Contributions Contributions made by your employer, or by you from your before-tax pay, are called Concessional Contributions, and these contributions generally have a 15%^ contributions tax deducted from them. Any money you transfer into your account from an untaxed source (post 30 June 1983 untaxed component only) is also generally taxed at 15%^. Contributions that you make from your after-tax pay are called Non-concessional Contributions, and these contributions are not subject to the contributions tax because you have already paid income tax on that money. There are (different) limits on Concessional and Non-concessional Contributions. It is very important for you to be aware that there will be negative tax consequences for you if you breach either of these limits. ^ High income earners may pay a further 15% tax. Refer to our fact sheet Understanding how your super is taxed. Example: Russell Balanced Opportunities Portfolio Balance of $50,000 Investment fees: 0.46% p.a. This fee is not deducted from your account balance. It is deducted from investment returns before the unit price is declared. Total: $230. PLUS administration fees: 0.55% p.a. of your account balance Plus $82.45 p.a. ($6.87 per month) For every $50,000 you have in the Fund you will be charged $275 per year in administration fees, plus an annual administration fee of $82.45 regardless of your balance. Total: $ PLUS indirect costs: Nil There are no indirect costs deducted from your investment. EQUALS cost of product: If your balance is $50,000, you will be charged fees of $587.45* for that year for the Russell Balanced Opportunities Portfolio. What it costs you will depend on the investment option you choose. * Additional fees may apply. And, if you withdraw all or part of your balance from Russell SuperSolution you will be charged an exit fee of $79.35 (indexed by AWOTE at 1 July each year) for each payment. Russell SuperSolution General Division Your Product Disclosure Statement p5

6 WARNING: There are Concessional Contribution and Non concessional Contribution limits. If these limits are exceeded, there are taxation consequences. For more information on contribution limits and the co contribution amount including the current threshold, visit Investment earnings Investment earnings in superannuation are taxed at a maximum rate of 15%. The effective tax rate on some earnings is lower because of further tax concessions or credits available to the Fund. The investment return we disclose to you is net of tax. Withdrawals Tax on withdrawals varies depending on your age, the type of withdrawal, and the ratio of taxable to tax-free components in your account. We withhold appropriate tax from amounts we pay to you. WARNING: Providing your TFN You should provide us with your Tax File Number (TFN) when you join the Plan. If you or your employer do not provide Russell SuperSolution with your TFN, all Concessional Contributions will be taxed at the top marginal rate plus Medicare levy and you cannot make after-tax contributions. If you do not provide your TFN to the Fund, tax will be withheld at the top marginal rate plus Medicare levy on the taxable component of any payment made to you. You should read the important information about How superannuation is taxed before making a decision - go to and click on section 3 in the table of contents. This material relating to How superannuation is taxed may change between the time when you read this PDS and the day when you join the Fund. 8. Insurance in your superannuation Types of Insurance cover within Russell SuperSolution Death and Total & Permanent Disablement (TPD) benefit Your Death and TPD benefits are the balance of your account plus any insurance cover you have within the Plan. Death & TPD cover (or Death Only cover) is not provided automatically to you, unless you have transferred from the Employer Division of Russell SuperSolution. If you are a new member in the General Division, either an Australian Resident or a Temporary Australian Resident (as defined by the insurer) between 15 and 69 years of age, you are eligible to apply to the insurer if you want Death and TPD cover or Death Only cover. You will need to provide health evidence to the insurer, who will consider whether to accept your application (on standard terms or non-standard terms) or decline your application for cover. If you have transferred from the Employer Division, the level of insurance cover (if any) you had in place on the day you left your employer will automatically continue in the General Division, from the day after you leave your employer. The amount of cover you previously held will be converted into the units of age-based cover, which apply in the General Division, and rounded up to the next whole number of units. The amount of cover provided by each unit of cover varies with your age, as shown in the table on page 7. The weekly insurance fee for each unit of cover depends on your Occupational Category, and whether your cover is for Death & TPD or Death Only, and is shown in the table below. Occupational Category Weekly insurance fee per unit of Death Only Weekly insurance fee per unit of Death & TPD Standard $1.01 $1.83 Low Risk $0.51 $0.92 Professional $0.46 $0.82 Please refer to for further information (including any limitations that may apply to you). Fixed Death and TPD cover If you don t want your insurance cover to reduce each year, you can apply to fix the amount of your Death and TPD insurance cover. Fixed cover allows you to choose and maintain the same amount of cover until you reach age 70. The insurance fees you pay will vary each year according to your age. For full details on fixed cover, including the insurance fees associated with this type of cover, please refer to Additional Death and TPD insurance You may apply for either additional Death cover or additional Death and TPD cover. You are able to select the number of additional units you would like. All additional insurance cover is underwritten, which means that you will be asked to provide health evidence to the insurer. Additional insurance cover is only provided after the insurer has assessed your health evidence and confirmed you have been accepted. The insurance fees for additional cover are the same as for default cover, as shown above. Income Protection Benefit Income Protection is not issued automatically, unless you have transferred from the Employer Division of Russell SuperSolution. If you want this cover, you must apply for it and provide evidence of your health to the insurer, who will decide whether to accept or decline your application. The Income Protection Cover is usually 75% of your Salary, as defined by the insurer. If you meet the insurer s definition of Total Disablement, a monthly benefit is payable (after a 90 day waiting period), for up to 2 years. It may be reduced by any amount of workers compensation of other payments which you are eligible to receive during any period of disability. p6 Russell SuperSolution General Division Your Product Disclosure Statement

7 Age next birthday Value of each unit of Death Only or Death & TPD Russell SuperSolution General Division Standard Occupational Category Annual insurance fee per $1000 of annual Income Protection Benefit Low Risk Occupational Category Professional Occupational Category , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Insurance fees for this cover depend on your age and your Occupational Category (as described above in the section on Death and TPD cover). Lower insurance fees are payable if you successfully apply to the insurer (using the Insurance Request Form) to change your occupational category from Standard to either Low Risk or Professional. Please refer to generalinsuranceguide for further information (including any limitations that may apply to you). Opting out of insurance cover You can opt out of your insurance cover at any time by returning a completed Insurance Request Form which is available in the log in area of our website. You should read the important information about insurance benefits applicable to your superannuation fund and consider whether it is appropriate for you before making a decision - go to insuranceguide This material relating to Insurance in your superannuation may change between the time when you read this PDS and the day when you join the Fund. Your insurance fee is generally determined based on the later of 1 July or at the date you joined the Fund. Your Product Disclosure Statement p7

8 9. How to open an account If your employer uses this Fund as your default or you transferred from another division of Russell SuperSolution, an account will be automatically opened for you. Individuals wishing to join the General Division must complete an Application Form. Once you have received your member number and PIN, you should log into your account if you wish to nominate beneficiaries or make an investment choice. Enquiries or complaints If you have any questions that are not answered in this booklet, please call our Helpline. If your enquiry is not resolved to your satisfaction and you wish to lodge a complaint, please contact us: By mail The Complaints Officer Russell SuperSolution Locked Bag A4094 Sydney South NSW 1235 By By phone Depending on the nature of your complaint, we may ask you to provide further information in writing so that we can fully understand the complaint. We will provide assistance to you if necessary and a prompt written acknowledgment of receipt of your complaint. Our goal is to handle your complaint efficiently and fairly and we will provide the Trustee s decision as quickly as possible. However, if your complaint relates to a death benefit claim or to a declined disablement benefit claim, it may take some time to gather all the information necessary to enable the complaint to be properly considered. You can obtain advice in relation to the complaints handling process or feedback on the status of your complaint by calling us. If our enquiry and complaints procedure does not resolve the issue within 90 days, you may be able to take the matter to the Superannuation Complaints Tribunal. The Tribunal can be contacted at: By phone By By mail Superannuation Complaints Tribunal Locked Bag 3060 GPO Melbourne VIC 3001 For more information about How to open an account go to and click on section 4 in the table of contents. Cooling-off period You have a cooling-off period to reconsider your investment. To withdraw, we must receive your written request within 14 days of the earlier of: The Date you receive your Welcome Statement; or Five business days after you become a member of the Employer Division The option to withdraw during the cooling-off period is not available if you have exercised your rights as a member, for example, if you have switched investment portfolios. If you withdraw your investment during the cooling off period, the amount payable to you may be different to the amount you invested due to changes in the unit price, tax and reasonable administration costs. To withdraw your investment you will need to complete a Benefit Payment Direction Form which is available on our website. Please note superannuation preservation rules apply. If your Employer has nominated this Fund as their default superannuation fund for employees, you will also need to complete a Choice of Fund form to nominate the superannuation fund to receive your future Employer contributions. For more information about How to open an account go to and read section 4 of the Super Guide. Helpline Monday to Friday, 8:30am 5:30pm (AEST) Website Mail Russell SuperSolution Locked Bag A4094 Sydney South NSW SS_PDS_SF_GDIV_V1FF_1506 p8 Russell SuperSolution General Division Your Product Disclosure Statement

9 Application Form RUSSELL SUPERSOLUTION GENERAL DIVISION Use this form to provide important details required to set up your account in the General Division of Russell SuperSolution. Print clearly in BLOCK LETTERS. This Application Form relates to the Product Disclosure Statement dated 1 July 2015 (the PDS ) for the Russell SuperSolution Master Trust ( Russell SuperSolution ) General Division. This Application Form must not be distributed unless accompanied by the complete and unaltered PDS. Terms defined in the PDS have the same meaning in this Application Form. The PDS contains important information about investing in the Fund. It is important that you read the PDS accompanying this Application Form before applying for units in any of the investment options of the Fund. 1. Member/Investor details a. Title (please select) Mr Mrs Miss Ms Dr Other b. Surname c. First name(s) d. Date of birth (DD MM YYYY) e. Sex (please select) Male Female f. Address g. Work telephone h. Home telephone State Postcode i. Mobile telephone* j. * k. Secondary * * By providing your address and/or mobile telephone you are confirming that you consent to receive future communications, where practical, electronically or by SMS. This includes news and updates about superannuation, as well as links to online information, for example personal information in the online login area. IN PREPARING THIS FORM THE TRUSTEE HAS NOT TAKEN INTO ACCOUNT THE INVESTMENT OBJECTIVES, FINANCIAL SITUATION AND PARTICULAR NEEDS (FINANCIAL CIRCUMSTANCES) OF ANY PERSON. ACCORDINGLY, BEFORE ACTING ON ANY ADVICE, YOU SHOULD ASSESS WHETHER THE ADVICE IS APPROPRIATE IN LIGHT OF YOUR OWN FINANCIAL CIRCUMSTANCES. TOTAL RISK MANAGEMENT PTY LIMITED ABN , AFSL NO , TRUSTEE OF THE RUSSELL SUPERSOLUTION MASTER TRUST ABN SS_F_GDIV_App_V1F_1507 PAGE 1 OF 24

10 2. Search for your super Tick this box to provide consent for us to search for your super. By ticking this box you are consenting to the Trustee of the Russell SuperSolution Master Trust using your Tax File Number (TFN) to search for other super accounts you may have, now and in the future, using a facility provided by the Australian Taxation Office (ATO). If the ATO search reveals that you have accounts with other funds, we will contact you about consolidating them into your Russell SuperSolution account. 3. Adviser details (if applicable, adviser to complete) a. Dealer group name b. AFS licence number c. Company name d. Adviser name e. Adviser/Company address State Postcode f. Telephone g. Mobile h. Fax i. Adviser for confirmation (if required) PAGE 2 OF 24

11 4. Adviser service fee (if you do not have an adviser, go to section 5) Tick this box if adviser service fees do not apply to this application. Initial adviser service fee Your adviser is required to sign this section. The initial adviser service fee is a fixed dollar amount (including GST), which is to be paid from your account after this application is processed. We will redeem units to the value of this amount from your account and pay your adviser/adviser s dealer group accordingly. Fixed dollar amount (including GST) $.00 AND/OR Ongoing adviser service fee Your adviser is required to sign this section. The ongoing adviser service fee, is a percentage of the value of the investment (including GST) or a fixed dollar amount per annum (including GST), which is to be paid monthly from your account on approximately the last business day of the month. We will redeem units to this amount from your account and pay your adviser/your adviser s dealer group accordingly. Percentage (including GST) OR Annual fixed dollar amount (including GST). % p.a. Initial adviser service fee split between dealer group and adviser* Please specify how you would like the initial adviser service fee to be split between the dealer group and adviser, ensuring that the two fixed dollar amounts add up to the amount you have written above. Dealer group: $.00 AND Adviser: $.00 $.00 per month Tick this box if you want us to index the fixed dollar amount by Average Weekly Ordinary Time Earnings (AWOTE) each 1 July. Note: Percentage fees cannot be indexed. It is important to note that any level of service and corresponding fee that is agreed must comply with the laws governing the use of superannuation investments and can only relate to advice and service in regard to the Russell SuperSolution General Division account. The fees must not relate to advice or services provided in relation to any other matter that is not directly connected to membership of the General Division. Ongoing adviser service fee split between dealer group and adviser* Please specify how you would like the ongoing adviser service fee to be split between the dealer group and adviser, ensuring that the two percentages or two fixed dollar amounts add up to the amount you have written above. Dealer group: AND Adviser:. % p.a. OR $.00. % p.a. OR $.00 * Where an adviser is a representative of a dealer group whose details appear on this Application Form, you are required to advise us of the payment split between the dealer group and adviser for initial adviser service fee and/or ongoing adviser service fee. This is a requirement under the Future of Financial Advice legislation. I am authorised by the dealer group listed in section 3 to provide the information on this form. I confirm the information provided on this form is true and correct. Name (print in BLOCK LETTERS) Position Option 1 Authorised Representative of licensed dealer group I declare that I am authorised to sign on behalf of the licensed dealer group. On behalf of the dealer group, I acknowledge and agree that Russell Investment Management Limited (RIM) or the Trustee of Russell SuperSolution MasterTrust may cease or vary the adviser service fee if notified by the investor or upon notification of their death. The dealer group and I are neither the agents nor partners of RIM or the Trustee. OR Option 2 Licensed financial adviser I declare that I am a licensed financial adviser and do not represent a dealer group, and acknowledge and agree that Russell Investment Management Limited (RIM) or the Trustee of Russell SuperSolution MasterTrust may cease or vary the adviser service fee if notified by the investor or upon notification of their death. I am not an agent nor a partner of RIM or the Trustee. Signature Date (DD MM YYYY) PAGE 3 OF 24

12 5. Initial investment Please check that the dollar values add up to the total investment amount. a. Investment amount: Total investment amount (approx.) by transfer from one or more superannuation funds $.00 Total contribution accompanying the initial application (cheque only) Any BPAY or EFT contributions can be made after your application is processed. $.00 Total investment amount $.00 b. Please select all applicable payment methods below and complete the relevant details so that we can track your application appropriately: Transfer from another division within the Russell SuperSolution Master Trust The member/investor number where the account is transferring from: Please transfer $.00 Please transfer the total balance. If the account you are transferring is in the Employer Division, please complete the details below in relation to the employer that sponsors your account: I have not left employment. I have left employment/will be leaving on (DD MM YYYY) If you have requested to transfer your total balance after leaving employment, we will wait for final contributions from your employer to arrive before making the transfer. AND/OR Transfer from another superannuation fund The amount to transfer is the total investment amount (approx.) as specified in 5a (above), by transfer from other superannuation funds. Please complete and sign the rollover section at the end of the Application Form in order to transfer money from other superannuation funds. We can supply additional rollover forms, if you are transferring super from more than two funds. I would like to transfer my existing superannuation from the following funds: 1. with an approximate value of $ with an approximate value of $.00 AND/OR (continued over) Registered to BPAY Pty Ltd ABN PAGE 4 OF 24

13 5. Initial investment (continued) Contribution: Cheques should be made payable to Russell SuperSolution Master Trust. The amount on the cheque is: Personal after-tax contribution Personal tax-deductible contribution (contributions tax will be deducted) You may be eligible to make a tax-deductible contribution, if you are self-employed or an unsupported person. This means that more than 90% of your total income derive from being self-employed. Please also submit a Deduction for Personal Superannuation Contributions Form available from the ATO. If you do not provide this notice, your contribution will be treated as a non-concessional contribution. Employer Superannuation Guarantee (SG) or salary sacrifice contribution (contributions tax will be deducted) Employer name ABN Please note: Should your cheque be dishonoured, you may be liable for all reasonable costs associated with processing your application. If you would like to make a contribution by BPAY or Electronic Funds Transfer, you will need to wait until your application is processed and you have been provided with your Customer Reference Number (CRN) for contributions. 6. Investment choice Please fill in the table below to make an investment choice. The choice(s) you indicate on this form will apply to both your initial investment and future transactions on your account. You can invest in a maximum of 12 options at any time. By completing the table below, you are directing the Trustee to invest your benefit in accordance with your chosen investment strategy. The Russell Balanced Opportunities Portfolio is the MySuper portfolio in Russell SuperSolution. If you do not make a choice, your benefits will be invested in the Fund s default strategy, the Russell Balanced Opportunities Portfolio. For information on the Fund s default strategy, please refer to the current Product Disclosure Statement (PDS) available on our website. You can update your choice(s) at any time by logging into your account via The effective date of processing will be three business days after your request to switch investments is received by Russell SuperSolution. My investment choice is: Russell Diversified Portfolios 1. Russell Conservative Portfolio 2. Russell Diversified 50 Portfolio 3. Russell Blended Balanced Portfolio 4. Russell Balanced Portfolio 5. Russell Balanced Opportunities Portfolio (This is the default investment strategy, if you do not make a choice.) 6. Russell Growth Portfolio 7. Russell High Growth Portfolio (continued over) PAGE 5 OF 24

14 6. Investment choice (continued) Please fill in the table below to make an investment choice. The choice(s) you indicate on this form will apply to both your initial investment and future transactions on your account. You can invest in a maximum of 12 options at any point in time. By completing the table below, you are directing the Trustee to invest your benefit in accordance with your chosen investment strategy. The Russell Balanced Opportunities Portfolio is the MySuper portfolio in Russell SuperSolution. If you do not make a choice, your benefits will be invested in the Fund s default strategy, the Russell Balanced Opportunities Portfolio. For information on the Fund s default strategy, please refer to the current PDS available on our website. You can update your choice(s) at any time by logging into your account via The effective date of processing will be three business days after your request to switch investments is received by Russell SuperSolution. Russell Sector Portfolios Australian Sectors 8. Russell Australian Cash Portfolio 9. Russell Australian Shares Portfolio 10. Russell Australian Opportunities Portfolio 11. Russell Socially Responsible Australian Shares Portfolio Russell Sector Portfolios Global Sectors 12. Russell International Property Securities Portfolio $A Hedged 13. Russell International Shares Portfolio 14. Russell International Shares Portfolio $A Hedged 15. Russell Global Opportunities Portfolio Total allocation = Do you want to rebalance your investments? This option is only relevant to you, if you have selected more than one investment portfolio. If you select to rebalance your investments, we reset your account balance on the 15th of each month, to match the original investment strategy you selected. Below is an example where the member investment strategy is 50% Balanced and 50% Conservative: Balanced Conservative Total Initial investment $5,000 $5,000 $10,000 Your balance on the 15th of the following month $5,300 $5,100 $10,400 Your balance after rebalancing $5,200 $5,200 $10,400 If you select this option, you cannot switch your investments during the three working days prior to the 15th of each month. I would like to rebalance my investments automatically each month: Yes No. PAGE 6 OF 24

15 7. Nomination of beneficiaries Please specify the type of dependant for each person and indicate in the last column of the table the percentage of your benefit you wish to allocate to each person listed. For more information, please refer to the Nomination of beneficiaries section on page 11 of this form. Note: The total proportions nominated must equal 100% and only whole percentages may be used. Types of dependants include spouse, child, financial dependant or person who is interdependant. You may also nominate your estate. It is important to note that each person you nominate must qualify as a dependant. a. My nomination of beneficiaries: 1 Name of beneficiary Type of dependant % of benefit 2 Name of beneficiary Type of dependant % of benefit 3 Name of beneficiary Type of dependant % of benefit 4 Name of beneficiary Type of dependant % of benefit 5 Name of beneficiary Type of dependant % of benefit 6 Name of beneficiary Type of dependant % of benefit 7 Name of beneficiary Type of dependant % of benefit 8 Name of beneficiary Type of dependant % of benefit Total = PAGE 7 OF 24

16 7. Nomination of beneficiaries (continued) b. Type of beneficiary nomination. Please mark one option only and complete the relevant details: Option 1 Preferred nomination (Non-binding) The beneficiaries nominated by me on this form are people who I understand may receive my Death Benefit in the event of my death, but I acknowledge that the Trustee of Russell SuperSolution is not bound by my nomination. Member/Investor signature Date (DD MM YYYY) OR Option 2 Binding nomination The beneficiaries nominated by me on this form are people who I understand will receive my Death Benefit in the event of my death, because the Trustee is bound by my nomination as long as my nomination remains valid. Note: A binding nomination must be updated/confirmed at least every three years. I acknowledge that if my nomination becomes invalid or expires, the Trustee is not bound by my nomination. You need to sign and date your nomination in the presence of two witnesses. Member signature Date (DD MM YYYY) Member name Witness 1 signature Date (DD MM YYYY) Witness 1 name Witness 2 signature Date (DD MM YYYY) Witness 2 name By completing the above, your witnesses make the following declarations:» I am at least 18 years of age.» I am not a beneficiary nominated in the table on page 4.» I have witnessed the signing and dating of this form by the member. PAGE 8 OF 24

17 8. Insurance Russell SuperSolution offers the following insurance cover to General Division members:» Death Only cover» Death, and Total and Permanent Disablement (TPD) cover» Fixed Death Only cover OR Fixed Death and TPD cover» Income Protection cover. Further details of the insurance cover are provided in your PDS. If you would like to apply for an alternative insurance classification such as Professional or Low Risk, please also complete the additional Insurance Request Form. Please enter your required insurance details below. If you are applying for insurance cover, you must also provide a completed Member s Personal Statement and Consent with this Application Form. You can find the relevant form at the back of this booklet. Please remember that insurance cover is subject to the insurer receiving and accepting required medical evidence. I do not want any insurance cover. Death Only cover of Fixed cover (multiples of $1,000) I want to purchase $.00 OR $.00 Death/TPD cover of Fixed cover (multiples of $1,000) I want to purchase $.00 OR $.00 I want to purchase Income Protection cover*. My annual salary is $.00 * Income Protection cover is 75% of your annual salary, where salary is defined as Ordinary Times Earnings (OTE). Please note you may be required to provide proof of your current salary. 9. Tax File Number Under the Superannuation Industry (Supervision) Act 1993, your superannuation fund is authorised to collect your Tax File Number (TFN), which will only be used for lawful purposes. These purposes may change in the future as a result of legislative change. The Trustee of your superannuation fund may disclose your TFN to another superannuation provider, when your benefits are being transferred, unless you request in writing to the Trustee of your superannuation fund that your TFN not be disclosed to any other superannuation provider. It is not an offence not to quote your TFN. However, giving your TFN to your superannuation fund will have the following advantages (which may not otherwise apply).» Your superannuation fund will be able to accept all types of contributions to your account(s).» Concessional contributions will generally be taxed at the concessional rate of 15% (without your TFN, these contributions will be taxed at a higher rate).» Other than the tax that may ordinarily apply, no additional tax will be deducted when you start drawing down your superannuation benefits.» It will make it much easier to trace different superannuation accounts in your name so that you receive all your superannuation benefits when you retire. Your TFN will otherwise remain confidential. Fill in your nine-digit TFN here: PAGE 9 OF 24

18 10. Declaration and signature I acknowledge and declare that: 1. All the information provided in this application is true and correct. 2. I have read and understood the PDS to which the Application Form relates. 3. I agree to be bound by the terms and conditions of the PDS and the Trust Deed for Russell SuperSolution, as amended from time to time. 4. I acknowledge that the Trustee reserves the right to refuse applications for units at its discretion. 5. I acknowledge that the repayment of capital or the performance of any option of the Russell SuperSolution General Division is not guaranteed. 6. I have read and agree to the Your privacy section of the PDS. 7. I consent to the use of my personal information in accordance with the Your privacy section of the PDS, including the provision of information to my nominated financial adviser. 8. The Trustee may provide information on the status of my account balance and investments in the Russell SuperSolution General Division to my nominated financial adviser. 9. I understand that each year an Annual Report for the Russell SuperSolution General Division will be available online. 10. If I have completed Section 3 of this Application Form, I: a) have read and agree to the adviser service fee information in the PDS, b) request that the Trustee redeem any of my units after my application has been processed to pay my nominated financial adviser the initial adviser service fee I have selected in the Adviser details section of this Application Form and direct the Trustee to pay the proceeds of this redemption to my nominated financial adviser/dealer group, and c) request that the Trustee redeem any of my units on or about the last business day of each month to pay my nominated financial adviser the ongoing adviser service fee I have selected in the Adviser details section of this Application Form and direct the Trustee to pay the proceeds of this redemption to my nominated financial adviser/dealer group. 11. I have read and understood the contents of this form and have checked that all the information I have provided on this form is correct. This Application Form must be signed by the applicant. If signed under Power of Attorney, the attorney verifies that no notice of revocation of power has been received. A certified copy of the Power of Attorney must be forwarded with this Application Form. Member/Investor signature Date (DD MM YYYY) Member/Investor surname Member/Investor first name(s) PAGE 10 OF 24

19 11. Additional information Insurance Important information about insurance:» You can change the number of units you have at any time.» Any request for cover will be processed as soon as possible after this form is received by Russell SuperSolution.» The provision of insurance cover is subject to acceptance by the insurer and the insurer may ask you to provide further information during the acceptance process.» If your application is accepted, an insurance fee based on the number of units of cover will be deducted from your Russell SuperSolution account. Nomination of beneficiaries a. Who can you nominate I. Who can receive your benefit in the event of your death? You can pay your benefit to:» your estate, or» nominated beneficiary(ies), or» a combination of your estate and your nominated beneficiary(ies). Any beneficiary you nominate must be either your legal personal representative (i.e. the executor or administrator of your estate) or a dependant at the date of your death. If you nominate your estate or legal personal representative, your benefit will be paid according to your Will (or according to the law of your state or territory if you have no Will). II. Who qualifies as a dependant? In terms of Superannuation Law, the people that you are able to nominate to receive your Death Benefit are:» your spouse (including de facto of the same or different sex)» your children (including step, adopted, and ex-nuptial children, or a child of your spouse)» any person who is financially dependent on you» any person with whom you have an interdependency relationship including:» any person with whom you have a close personal relationship and live with where one or both of you also provide ongoing financial support, domestic support and personal care» any person with whom you have a close personal relationship where, because of a disability, the above requirements of living together, financial support, domestic support and personal care cannot be satisfied. b. Types of nominations You can choose to make a preferred nomination or binding nomination. I. What is a preferred nomination?» When you make a preferred nomination, the Trustee will take into consideration any nomination you make; however, in this case, the Trustee has final discretion in deciding who will receive your superannuation benefit when you die.» It should be updated if your circumstances change.» It requires no witness signatures. II. What is a binding nomination? In terms of Superannuation Law, the people that you are able to nominate to receive your Death Benefit are:» When you make a valid binding nomination, you decide who receives your benefit when you die, and how much of the benefit they receive.» It will be treated as a binding nomination for three years from the date the nomination is made. This nomination reverts to being a preferred nomination after the three-year period, if the nomination is not extended by lodging a new binding nomination request.» It requires two witness signatures. Witnesses must be aged over 18, must not be one of your nominated beneficiaries and must be present when you sign the form. If the witnesses sign and date the form on a different date to your signature, the nomination will be invalid.» An invalid binding nomination will be treated as a preferred nomination by the Trustee and will not revoke or replace an existing, valid binding nomination. Note: If you do not make a valid nomination, the Trustee will have final discretion in deciding who will receive your superannuation benefit when you die. You should refer to the current PDS for more information on who qualifies as a dependant and how to make a binding nomination. It is important to note that each person you nominate must qualify as a dependant. Please return this form to: Russell SuperSolution Locked Bag A4094 Sydney South NSW PAGE 11 OF 24

20 This page has been intentionally left blank. PAGE 12 OF 24

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