AMP Eligible Rollover Fund

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1 AMP Eligible Rollover Fund Fact sheet Issued 30 June 2014 Issued by AMP Superannuation Limited ABN , AFSL No , the Trustee of AMP Eligible Rollover Fund ABN Registered trademark of AMP Limited ABN

2 This is the Fact sheet for AMP Eligible Rollover Fund. This Fact sheet is an important document. The information in this Fact sheet forms part of the AMP Eligible Rollover Fund Product Disclosure Statement (PDS) dated 30 June You should consider the PDS and this Fact sheet before making any decision about whether to acquire or continue to hold an account in AMP Eligible Rollover Fund. The PDS is available online at amp.com.au/erf. The information in this Fact sheet is of a general nature only. It is not based on your personal objectives, financial situation and needs. You should consider whether the information in this Fact sheet is appropriate for you in accordance with your objectives, financial situation and needs. To obtain advice or more information about the information covered in the PDS you should speak to a licensed or authorised financial planner. Changes to this Fact sheet Information in the PDS and Fact sheet may change from time to time. We may update information which is not materially adverse to you on amp.com.au/pdsupdates. The information can also be obtained without charge by calling our Customer Service Centre on or from your financial planner. AMP Superannuation Limited and other providers AMP Superannuation Limited is the Trustee of AMP Eligible Rollover Fund and is referred to as Trustee, we or us in this Fact sheet. AMP Life Limited (AMP Life) guarantees that the rate of return will never be negative. Apart from this, neither the Trustee, or any other company in the AMP group or any of the investment managers of AMP Eligible Rollover Fund: is responsible for any statements or representations made in this Fact sheet, or guarantees the performance of the Trustee s obligations to members nor assumes any liability to members in connection with AMP Eligible Rollover Fund. An investment in AMP Eligible Rollover Fund is not a deposit with the Trustee and is not a deposit with, or other liability of, AMP Bank Limited ABN , AFSL No (AMP Bank), or any other company in the AMP group. The Trustee is not a bank. The AMP Bank does not stand behind the Trustee. AMP companies receive fees and charges in relation to AMP Eligible Rollover Fund outlined in the PDS and Fact sheet. AMP employees and directors receive salaries and/or benefits from AMP companies. This offer is available only to persons receiving (including electronically) the PDS and Fact sheet within Australia. We cannot accept cash or applications signed or mailed outside Australia. Monies received or paid must always be in Australian dollars. This offer is subject to the terms and conditions described in the PDS and this Fact sheet. We reserve the right to change these terms and conditions with, in the case of an increase in fees, 30 days notice otherwise notice will be provided as soon as practicable after the change occurs.

3 Contents How super works 2 Nominating your beneficiary 4 Fees and other costs 5

4 How super works Accessing your super Super benefits consist of three components: Unrestricted non-preserved: you can access this amount at any time. Restricted non-preserved: generally, you can access this amount when you stop working for the employer who has contributed to your account, and Preserved: you can access this amount only in certain circumstances set by superannuation law. All contributions and investment earnings since 1 July 1999 are preserved. Any non-preserved amounts you have accumulated before this date remain as non-preserved. Generally, the circumstances in which you can access your preserved benefits include: permanently retiring after reaching your preservation age (see the Permanent retirement after reaching your preservation age section for your preservation age) ceasing employment at age 60 or over reaching age 65 having a terminal medical condition becoming permanently incapacitated qualifying on compassionate grounds or severe financial hardship being the holder of an expired or cancelled temporary resident visa 1 and have permanently departed Australia (this option is not available to holders of subclasses 405 and 410, Australian or New Zealand citizens or Australian permanent residents) reaching your preservation age, but you do not retire or stop working, and you commence a Transition to Retirement strategy 2, or certain circumstances where your benefit is less than $200. You may need to meet additional identification requirements prior to accessing your super. Permanent retirement after reaching your preservation age You are permanently retired if you have reached your preservation age, stopped employment and if you are under age 60, we are reasonably satisfied that you have no intention of returning to gainful employment for 10 or more hours a week. Your preservation age depends on when you were born and is shown in the following table: Date of birth Preservation age Before 1 July July 1960 to 30 June July 1961 to 30 June July 1962 to 30 June July 1963 to 30 June July 1964 and after 60 Permanent incapacity, severe financial hardship, compassionate grounds and terminal medical condition You can access some or all of your super benefits at any age in certain circumstances for example, due to permanent incapacity, severe financial hardship, compassionate grounds or if you have a terminal medical condition. There are specific conditions for the release of benefits and in the case of compassionate grounds, release is also subject to approval by the Department of Human Services and the Trustee. You are permanently incapacitated if the Trustee is reasonably satisfied that, because of your ill health (whether physical or mental), you are unlikely to engage in gainful employment for which you are reasonably qualified by education, training or experience. 1 Super funds are, under certain circumstances, required to transfer a temporary resident s super to the Australian Taxation Office (ATO) following their departure from Australia. Such a transfer would only occur when at least six months have passed since the temporary resident s visa had ceased to be in effect, they had left Australia and not taken their benefit. Former temporary residents can subsequently access their benefit from the ATO. The ATO can be contacted on Relying on relief provided by the Australian Securities and Investment Commission (ASIC), the Trustee is not obliged to notify or give an exit statement to a member who was a temporary resident where we transfer their superannuation to the ATO following their departure from Australia. Note: There are limited conditions of release available to a member who is or was a temporary resident. Accounts in respect of all temporary resident members (irrespective of whether or not they have left Australia) will only be able to be released under the following conditions: death terminal medical condition permanent incapacity departing Australia permanently to temporary residents who apply in writing for the release of their benefits trustee payments to the ATO under the Superannuation (Unclaimed Money and Lost Members) Act 1999 temporary incapacity Release Authorities under the Income Tax Assessment Act 1997, and/or if you have met a condition of release allowed under a superannuation law before 1 April Note: Where a member is or was a temporary resident, they will generally not be able to access their benefit under the following conditions of release: on retirement on attaining age A Transition to Retirement strategy is an annuity or pension that you cannot cash in. However, if you are nearing retirement, you may be able to cash income streams that you purchased once you meet another condition of release such as permanent retirement. 2

5 You suffer a terminal medical condition if: two registered medical practitioners have certified jointly or separately, that you suffer from an illness, or have incurred an injury, that is likely to result in your death within a period (the certification period) that ends not more than 12 months after the date of the certification at least one of the registered medical practitioners is a specialist practicing in an area related to the illness or injury suffered by you, and for each of the certificates, the certification period has not ended. Nearing retirement If you have reached your preservation age and are still working, you can access your benefits (including preserved and restricted non-preserved components) to purchase a Transition to Retirement income stream. An example of a Transition to Retirement income stream is an account-based pension which does not permit withdrawal before your actual retirement or once you are 65 years of age, except in limited circumstances. When you must take your super benefit Super rules do not require you to take your benefits at any maximum age. This allows you to keep your investment in your account indefinitely. Your benefit must be paid out on your death. Transfer to another super fund You can ask us to rollover or transfer your super benefit to another super fund at any time. Making a withdrawal from your account If you can access your super, then you can make a partial (or full) withdrawal. You need to complete and send to us a Withdrawal form AMP Retail Superannuation together with the required identification information to withdraw part or all of your account, each time you want to make a withdrawal. To request a copy of this form, you can call our Customer Service Centre on Paying your death benefit If you die while you have an AMP Eligible Rollover Fund account then we will pay a death benefit which is equal to the value of your AMP Eligible Rollover Fund account balance. You can advise who you prefer to receive your death benefit by making a Non-binding (or preferred) nomination. Before you consider making a nomination, there are a number of factors that you should keep in mind, for example, the type of beneficiary you nominate can have tax implications for your dependant(s) when they receive your death benefit. For this reason, we strongly recommend that you discuss your nomination with your financial planner. Anti-detriment payments extra amount for some death benefit payments Tax law allows us to pay an extra amount if we pay your death benefit directly to certain dependant(s) (or indirectly to them via your legal personal representative/estate). However, the definition of dependant used for this purpose includes children of any age, a spouse or former spouse but does not include those with whom you have an interdependency relationship or financial dependants other than those specified in the definition. Contact your financial planner if you need more details about this. 3

6 Nominating your beneficiary If you are age 18 years or over, you can nominate one or more beneficiaries to receive your death benefit upon your death. You can also decide not to make a nomination. Generally, all beneficiaries must be your dependant(s). You can also nominate your estate (we call this your legal personal representative ). Under superannuation law, you cannot nominate anyone else as a beneficiary. If you are under age 18, you or your guardian cannot make a death benefit nomination. Regardless of the option chosen, the Trustee must generally ensure the benefits are paid to your dependants (as defined in the Fund s Trust Deed and under applicable superannuation law) and/or legal personal representative. If there are no dependants or legal personal representative the Trustee may pay the benefit to another suitable person for example, a parent or other close relative. Non-binding (or preferred) nomination If you make a non-binding (or preferred) death benefit nomination, we will decide which of your dependants and/ or legal personal representative will receive your benefit after your death. We have absolute discretion to pay your death benefit to any of your dependants and/or to your legal personal representative in the proportions that we decide, however, we will take into account your non-binding nomination. When we receive your nomination we will not check if: the beneficiaries you have nominated are your dependants or your legal personal representative, or you have signed or completed the nomination form correctly. A non-binding nomination will continue to apply until you cancel it or make a new one. Therefore, it is important that you keep your non-binding nomination up-to-date in line with your personal circumstances. You can cancel your non-binding nomination or make a new one at any time. If you cancel your non-binding nomination without making another nomination, then we must pay your death benefit in accordance with you not having made a nomination. Nominations can be made, updated or cancelled by completing the Nominated or preferred beneficiary nomination form available from amp.com.au/erf or by calling our Customer Service Centre on No nomination If you don t make a nomination, or you cancel your existing nomination and do not make a new nomination, then we must pay your death benefit to your estate. However, if your estate is insolvent or if a legal personal representative has not been appointed to manage your estate within a reasonable period of time, then we will decide: if you have dependants, which of your dependants will receive your death benefit (and in what proportions), or if you have no dependants, which other persons will receive your death benefit and in what proportions. Who is a dependant? A dependant under superannuation law includes: your spouse 1 (including a de facto spouse whether of the opposite or same sex) your children 2 (including an adopted child, a stepchild, or ex-nuptial child) any person who is financially dependent on you, and any person with whom you have an interdependency relationship (see What is an interdependency relationship? below). A person must be a dependant on the date of your death to be a beneficiary. What is an interdependency relationship? Two persons (whether or not related by family) have an interdependency relationship if: they have a close personal relationship, and they live together, and one or each of them provides the other with financial support, and one or each of them provides the other with domestic support and personal care. An interdependency relationship also includes two persons (whether or not related by family): who have a close personal relationship, and who do not meet the other four criteria listed in the paragraph above because either or both of them have a physical, intellectual or psychiatric disability. 1 Spouse of a person includes: the person s husband or wife another person (whether of the same sex or a different sex registered on the relationship registers of a State or Territory, which at the date of this Fact sheet are Victoria, Tasmania, the Australian Capital Territory, New South Wales and Queensland), or another person who, although not legally married to the person, lives with the person on a genuine domestic basis in relationship as a couple. 2 Child in relation to a person includes: an adopted child, a stepchild or an ex-nuptial child of the person a child of the person s spouse, and someone who is the child of the person within the meaning of the Family Law Act 1975 (for example, a child as a result of Court Order giving effect to a surrogacy arrangement). 4

7 Fees and other costs This document shows fees and other costs that you may be charged. These fees and costs may be deducted from your money, from the returns on your investment or from the fund assets as a whole. Taxes are set out in another part of the document. You should read all the information about fees and costs because it is important to understand their impact on your investment. Type of fee or cost Amount How and when paid Fees when your money moves in or our of the Fund Establishment Fee Nil Not applicable The fee to open your investment Contribution Fee Nil Not applicable The fee on each amount contributed to your investment either by you or your employer Withdrawal Fee Nil Not applicable The fee on each amount you take out of your investment Termination fee Nil Not applicable The fee to close your investment Management costs (i)(ii) The fees and costs for managing your investment The management costs consist of Account balance Gross of tax Net of tax expenses incurred in running the ($) (% pa) (% pa) fund and Performance Fees paid monthly out of Fund assets. 1,000 2, These costs are reflected in the 2,500 9, crediting rates which are set in advance and applied daily to your 10,000 49, account balance. 50, These costs are not deducted directly from your account. Plus Performance fees of: Performance fees are paid for up to 20% of the outperformance relative to an agreed benchmark or target across the asset sectors. Performance fees are calculated on the outperformance of each asset sector separately and fees will be paid regardless of whether the overall fund underperforms. The actual amount for the year to December 2013 was: Gross of tax (% pa) Net of tax (% pa) Service fees Investment Switching Fee Nil The fee for changing investment options (i) The costs are based on the actual Fund costs for the year ended 31 December (ii) The costs are reflected in tiers which vary depending on the size of your account balance. Not applicable. AMP Eligible Rollover Fund does not offer investment choice. 5

8 Additional explanation of fees and costs This section provides the definitions of fees and other costs that you may be charged. Management costs The management costs consist of expenses incurred in running the statutory fund and paid monthly out of the statutory fund assets. These costs are reflected in the crediting rates and are not deducted directly from your account. Investment management expense All expenses relating to the proper performance of our duties are recoverable from the statutory fund. These include (but are not limited to) expenses in relation to audits, postage, printing, legal advice, disclosure document costs and costs associated with acquiring, holding and selling investments of the statutory fund. The actual costs and expenses are deducted from the statutory fund at the times they are incurred, and are reflected in the management costs and reflected in the crediting rates. Taxation Where a tax deduction is available to AMP Life in respect of the expense paid, the actual amount of fees charged to your account that are tax deductible will be reduced by up to 15%. This is because super fund investments in AMP Life currently receive a 15% tax benefit for tax deductible expenses. The benefit of this tax deduction is passed on to you. The costs described in the table of Fees and other costs in the PDS include GST and any stamp duty less reduced input tax credits (if applicable). Performance fees AMP Life maintains an asset pool within its No. 1 Statutory Fund which supports AMP Life s obligations under the life policy in which the AMP Eligible Rollover Fund invests. Performance fees are charged in respect of that asset pool and reward the investment manager (AMP Capital Investors Limited) if the manager meets specific investment performance targets. Performance fees are paid for up to 20% of the outperformance relative to an agreed benchmark or target across the asset sectors. Performance fees are calculated on the outperformance of each asset sector separately and fees will be paid regardless of whether the overall pool underperforms. Performance fees are part of the management costs of the Fund outlined above and are taken into account in the Fund s crediting rate. They are not deducted separately from your account. An example of Performance fees The following example is an illustration only and is based on the assumptions given. The example should not be taken as the amount of Performance fees you will pay in relation to your AMP Eligible Rollover Fund. Your actual fees are dependent on various other factors. AMP Eligible Rollover Fund has a Performance fee of up to 20% of the outperformance of the relevant performance target by the manager. Assume: the outperformance of the relevant performance target is 1% for each asset sector, and the Performance fee is 20% of the outperformance. The Performance fee paid to the manager will be at the rate of 0.2% for the year (20% x 1% = 0.2%). If you have $10,000 invested in the statutory fund, you will pay a Performance fee of $20 for the year ($10,000 x 0.2% = $20) based on these assumptions. This amount is incorporated into the crediting rate you receive. 6

9 Transaction and operational costs Transaction costs Transaction costs are the costs of buying and selling assets in the statutory fund. They include brokerage, settlement and clearing of the assets and government taxes and duties. Transaction costs depend on the number and amount of assets bought and sold they cannot be predicted in any period. The amount of these costs will not exceed 1% of the statutory fund. Estimates of these costs are deducted from fund assets and therefore reflected in the crediting rates. Operational costs Also, your investment may incur operational costs of maintaining direct investments and real property investments. These operational costs are costs you would have incurred if you had invested directly in the underlying assets. Estimates of these costs are reflected in the crediting rate. Changing the fees We can introduce new fees or change existing fees at any time, however, we must provide you with at least 30 days notice. New fees can be charged or existing fees changed if: AMP Life changes its fees under the super policy we hold, or permitted by law. In this product, fees and costs are ultimately reflected in the crediting rates. The crediting rates can change at any time without prior notice to you. The current crediting rates can be found at amp.com.au/erf/creditingrates. In addition, we may introduce or increase fees at our discretion, as may AMP Life, for any one or more of the following reasons: if increased charges are incurred due to government changes to legislation increased costs significant changes to economic conditions, or the imposition or increase of processing charges by third parties. Payments to your financial planner There is no commission paid to financial planners from AMP Eligible Rollover Fund. Alternative forms of remuneration register AMP Life maintains a register that records alternative forms of remuneration which it pays or receives. Registers are required to be maintained by investment managers, platform providers, representatives and licensees who are members of the Financial Services Council or the Financial Planning Association of Australia and are publicly available. You can obtain a copy of AMP Life s register by contact our Customer Service Centre on

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12 Contact us phone fax web amp.com.au/erf mail AMP Customer Service Centre PO Box 300 PARRAMATTA NSW /14

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