Withdrawals. 1. Investor details

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1 MLC Navigator Investment Plan MLC Navigator Retirement Plan MLC Navigator Access Investment MLC Navigator Access Super and Pension Withdrawals Please tick where appropriate: Account closure (Sections 1, 2, 3, 6, 9, 11 and Notice of Intent) Partial withdrawal (Sections 1, 2, 3, 4, 5, 6, 7, 9, 10, 11 and Notice of Intent) Loan repayment for Select Margin Loan (Sections 1, 5, 8, 10 and 11) This form should be completed if you want to withdraw funds from your portfolio. Important: Before completing this form you should check for information about your benefits in the Service including information on exit, transfer, withdrawal and other fees, tax, any insurance cover you may have, and the availability of investment options. Withdrawals from capital protected products may also incur a fee and the amount withdrawn may not receive the benefit of capital protection. You should obtain this information to fully understand the effects of withdrawing benefits. For more details please contact us. Please sign Section 11 Please complete these instructions in BLACK INK using BLOCK letters. Note: Please make sure you have completed all the relevant sections otherwise your request may not be processed. GPO Box 2567 Melbourne Victoria 3001 Phone: Fax: (03) * Mandatory fields (for Rollovers only) 1. Investor details MLC account number (if known) Contact telephone (business hours) Title Mr Mrs Miss Ms Other First name* Middle name(s) Family name* Other/Previous names Date of birth* (DD/MM/YYYY) Gender* Male Female Tax File Number (TFN) Under the Superannuation Industry (Supervision) Act 1993, your super fund is authorised to collect your TFN, which will only be used for lawful purposes. Your TFN will be used for identification purposes and will be disclosed to your other super provider, unless you request in writing that it is not disclosed. If we re unable to identify you we may request additional information. NULIS Nominees (Australia) Limited ABN AFSL No Navigator Australia Limited ABN AFSL MLC Superannuation Fund ABN MLC Navigator Withdrawals Form Page 1 of 8

2 1. Investor details continued Current address* (we can t accept a PO box) Street address Suburb State Postcode Country 2. Withdrawal type (superannuation accounts only) Cash payment before tax after tax Tax treatment for pension accounts: lump sum payment income payment Rollover Re-contribution 3. Condition of release (superannuation accounts only) Withdrawing unrestricted non-preserved monies Attained preservation age (currently 55), but not yet over 65. Not gainfully employed and never intend to become gainfully employed on a full or part time basis Attained age 60 but not yet 65 and have ceased employment with an employer at or after age 60 I have attained age 65 Reached preservation age and wish to open a non-commutable pension I have a terminal medical condition # # To meet this condition of release, investors must satisfy all of the following: two registered medical practitioners have certified that the person suffers from an illness or has incurred an injury that is likely to result in death within a period (the certification period) no greater than 12 months, at least one of the registered medical practitioners must be a specialist practising in the area related to the illness or injury suffered by the person, and for each of these certifications, the certification period (12 months) has not ended. Once these conditions are met, the member s entire superannuation benefit becomes unrestricted non-preserved and can be withdrawn tax-free at any time. This also applies to any contributions received for the member during the certification period. These doctors certificates are also required for benefit payments to members under age 60 to be treated as tax-free. 4. Fast track We sell your investments and pay your benefit at the same time to provide you with an efficient service. Withdrawals are automatically Fast Tracked. Indicate below if you d like to remove this service. I don t want to use Fast Track. Note: MLC Navigator Access investments will always be Fast Tracked. You can only Fast Track 75% of your account balance and only one Fast Track transaction can be performed at a time. Fast Track withdrawals are not available for illiquid funds, hedge funds, property-diversified, capital protected products, term deposits or debentures. Withdrawals containing these investment products will be processed as standard withdrawals and from time to time other investment products may also be limited to standard withdrawals. A Fast Track withdrawal may be subject to additional fees. MLC Navigator Withdrawals Form Page 2 of 8

3 5. Investments to be sold Tax optimisation I would like to apply the following tax optimisation method to this transaction: First in first out (FIFO) High cost first out (HCFO) Note: To amend your account default tax optimisation method please complete an Account Amendment form. HCFO isn t available on Model Portfolios. If you don t elect a default tax optimisation method the default will be FIFO. Investment allocation Proportionately (as per current investment weighting) Investment name(s) APIR/ASX Code Units Amount (Minimum $500 per share) Percentage Total Important: If there is an existing automatic re-weighting facility and the allocation as per the previous page is not in line with your target weight allocation, the automatic re-weighting facility will be cancelled. We recommend you review your additional investment allocation to ensure any future deposits into your account reflect the changes you have requested above. To change your instructions for all future investment allocations you must complete an Additional/regular Investments form. For automatic re-weighting facilities (redeem from investments subject to automatic re-weighting only) Proportionately (as per current investment weighting within my automatic re-weight portfolio) By target weight allocation Note: If the withdrawal cannot be funded by the target weight allocation, we will use the current investment weightings within the automatic re-weight portfolio. 6. Adviser share transaction fee Amount $ (maximum of $ per trade) % (maximum of 1.10% per trade value) The fees in this section are inclusive of GST. 7. Components (superannuation/pension accounts only) Preservation amounts Preserved $ Restricted non preserved $ Unrestricted non preserved $ MLC Navigator Withdrawals Form Page 3 of 8

4 8. Loan repayment for Select Margin Loan Partial Loan Repayment (I want to leave my Select Margin Loan active) Full Loan Repayment (I want to close my Select Margin Loan) 9. Preferred payment method Please attach a separate sheet for multiple payees. Payment to rollover institution (superannuation accounts only) Please supply a letter of compliance from the rollover institution. If payment is to a Self Managed Super Fund we may require additional documents. Name of Institution* ABN SPIN New account number USI Address of Institution Suburb State Postcode Re-contribute payment to a MLC Wrap account (superannuation/pension accounts only) Details of account to contribute to: Investor account name Investor account number Contribution type: Personal contribution non-concessional Eligible spouse contribution I acknowledge the withdrawal proceeds will be drawn as a cheque payable to the Trustee, NULIS Nominees (Australia) Limited, at my direction and deposited to the applications accounts for the relevant Service. MLC Navigator Withdrawals Form Page 4 of 8

5 9. Preferred payment method continued Payment by direct credit pay to my nominated bank account pay to account below BSB Account number Name of account holder Name of financial institution Branch address State Postcode Payment by cheque Payee Address Unit number Street number Street name Suburb State Postcode Country 10. Withdrawal amount Total withdrawal amount* $ MLC Navigator Withdrawals Form Page 5 of 8

6 11. Investor authorisation I/We: understand that the withdrawal request may be effected according to the terms and conditions of the relevant Trust Deed/Deed Poll, acknowledge that Pay As You Go ( PAYG ) tax may be deducted from any withdrawal from a superannuation account and paid to the Australian Tax Office unless it is a rollover request, acknowledge that, where I am rolling benefits out of my superannuation account, I am aware that I may ask the Trustee to provide me with all the information I need to understand my benefit entitlements, including information on exit, transfer, withdrawal and other fees, tax, insurance and investment options. I do not require any further information, and understand the implications of transferring benefits from my superannuation account, authorise the cancellation of any margin lending facility upon account closure. This authorisation is given for the benefit of the margin lender, and have read and understood the separate terms and conditions outlined in the Select Margin Loan Booklet (if applicable). Customer identification I/We have attached the appropriate customer identification documentation, or I/We have previously provided Navigator with the appropriate customer identification documentation, or I/We was/were a superannuation or investment customer with Navigator prior to 12 December 2007, Rollovers to a Self Managed Super Fund where my Self Managed Super Fund is Registered status not determined, I have attached the required documents. Privacy I/We understand that by completing this form, I/we am/are consenting to my/our personal information being used and disclosed as outlined in the Privacy Policy, which I/we can obtain by contacting Client Services or through mlc.com.au Name of Investor / Authorised person 1 Name of Investor / Authorised person 2 Signature of Investor / Authorised person 1 Signature of Investor / Authorised person Important information Prior to the completion of this form we recommend that you seek taxation advice, particularly in relation to any capital gains and/or losses prior to authorising the rollover/transfer of benefits. Any Capital Gains Tax ( CGT ) liability will be deducted prior to a rollover or transfer of benefits, including a full cash transfer. This includes rollovers or transfers of benefits where the Trustee, NULIS Nominees (Australia) Limited, remains the same. Please note unit and share prices may rise and fall with market movements. The underlying fund manager or share broker will use the price available at the time your request is processed. Neither the Trustee nor the Administrator/Operator bears any liability for taxation or stamp duty costs that the withdrawal may incur. 13. Financial adviser s details Adviser name Contact name (if different) Contact telephone number (business hours) 14. Financial adviser s declaration I have attached the correct customer identification documents: Yes No (this information has been provided previously or the investor was an existing superannuation or investment customer with Navigator prior to 12 December 2007) Financial adviser s signature 79368M1213 MLC Navigator Withdrawals Form Page 6 of 8

7 Notice of intent to claim or vary a deduction for personal super contributions If you want to change or make more than one claim, use a separate form each time. 1. Your personal details Account number Contact telephone (business hours) Title Mr Mrs Miss Ms Other Middle name First name Family name Date of birth (DD/MM/YYYY) Postal address Unit number Street number PO Box Street name Suburb State Postcode Country Super fund details Fund name: MLC Superannuation Fund Fund ABN: Your contributions Financial year ended 30 June Personal contributions covered by this notice $ Is this notice varying an earlier notice? Yes No (The amount you intend to claim as a tax deduction cannot be greater than the amount you stated in the earlier notice but may be reduced, including to nil.) The amount of these personal contributions you intend to claim as a tax deduction $ Please note: You may submit multiple contribution notices. There may be limits to the amount you can claim as a result of withdrawals made during the financial year. To authorise this notice please complete Section 3. NULIS Nominees (Australia) Limited ABN AFSL No Navigator Australia Limited ABN AFSL MLC Superannuation Fund ABN MLC Navigator Withdrawals Form Page 7 of 8

8 3. Your authorisation Please wait until you receive our acknowledgement of receipt before you lodge your tax return. For more information about deductions for personal contributions, please speak with your tax adviser or visit ato.gov.au In signing one of the declarations on this form you should be aware that the law has changed to expand the administrative penalty provisions to include penalties for making false or misleading statements that do not result in a shortfall amount. This may include making false or misleading statements to an entity other than the ATO if the statement is required or allowed to be made under tax law, for example, a notice of intent to deduct super contributions given to a super fund. Please complete and sign the statement that applies to you. Intention to claim a tax deduction If you haven t previously lodged a notice with the fund for these contributions. q I am lodging this notice before both of the following dates: the day that I lodged my tax return for the year stated in Section 2 the end of the income year after the year stated in Section 2. At the time of completing this notice: I intend to claim the personal contributions stated in Section 2 as a tax deduction I am a member of the MLC Superannuation Fund and the fund still holds my contributions this super fund has not begun to pay a superannuation income stream based in whole or part on these contributions I have not included these contributions in an earlier notice. The information given on this notice is correct and complete. Signature Name (print in BLOCK LETTERS) Variation of a previous deduction notice If you ve already lodged a notice with the fund for these contributions and wish to reduce the amount. q I intend to claim the personal contributions stated in Section 2 as a tax deduction. I wish to vary my previous notice for these contributions by reducing the amount advised in my previous notice. I confirm that: I am a member of the MLC Superannuation Fund and the fund still holds my contributions this super fund has not begun to pay a superannuation income stream whole or part on these contributions I have lodged my income tax return for the year in which the contribution was made, prior to the end of the following income year, and this variation notice is being lodged before the end of the day on which the return was lodged, or I have not yet lodged my tax return for the year stated in Section 2 and this variation notice is being lodged on or before 30 June in the financial year following the year stated in Section 2, or the ATO has disallowed my claim for a deduction for the relevant year stated in Section 2 and this notice reduces the amount stated in my previous notice by the amount that has been disallowed. The information given on this notice is correct and complete. Signature Name (print in BLOCK LETTERS) 4. Send us your form Please scan and your completed, signed and dated form to us at fax to or you can mail it to: MLC GPO Box 2567 Melbourne VIC 3001 If you have any questions, please speak with your financial adviser, call us on Monday to Friday between 8.00 am and 6.00 pm (AEST/AEDT) or visit mlc.com.au 79368M1213 MLC Navigator Withdrawals Form Page 8 of 8

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