BT Super for Life. Additional. Dated 1 July Dated July Things you should know information

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1 BT Super for Life Additional Product Information Disclosure Booklet Statement Dated July 2013 Dated 1 July 2014 We recommend that you read this Product Disclosure Statement (PDS) in full before making an investment decision. If you have not received the entire document, please call us on Things you should know The Westpac information Financial in this document Services Ltd forms part of the ABN Product Disclosure Statement (PDS) for BT Australian Super for Financial Life dated Services 1 July BT Super Licence for No. Life forms part of Retirement Wrap ( Fund ) ABN and is issued by BT Funds Management Limited ABN (BTFM, Trustee, we, us), the trustee of the Fund. This Additional Information Booklet will be updated from time to time without notice. You should read the latest edition of this document, together with the PDS, before making a decision to invest into BT Super for Life. You can obtain the current edition by visiting bt.com.au or contact us on

2 Table of contents How super works 3 Contributing to your super 3 Rules for accessing your super 4 Temporary residents 5 Unclaimed money 5 Nominating your beneficiaries 5 Benefits of investing in BT Super for Life 6 Is the BT Super for Life Savings account for you? 6 Is the BT Super for Life Retirement account for you? 7 Is the BT Super for Life Transition to Retirement 8 account for you? How we invest your money 10 Easy investment choices 10 How is risk measured? 12 Labour standards and environmental, social and 12 ethical considerations Australian Equities Component of BT Super for Life 13 Moderate Conservative and Lifestage Funds How we can change the investment options 14 Changes to investments 15 How we calculate unit prices 15 How we calculate the BT Super for Life 15 Super Cash interest rate Fees and other costs 16 Additional explanation of fees and costs 17 How super is taxed 21 Tax on contributions 21 Tax on earnings 22 Tax on withdrawals 23 Tax payable on death benefits 24 Insurance in your super 26 Standard cover 26 Customised cover 28 Salary Continuance Insurance (SCI) 33 Making a claim 35 Other information 38 Insurance definitions 39 Other information 43 About the Trust Deed 43 Privacy 43 Related party transactions and conflicts of interests 45 Transaction processing times 45 Combining your BT super accounts 46 Eligible Rollover Fund 46 We have the right to reject applications 46 Anti-Money Laundering and Counter-Terrorism Financing 46 Family Law 47 Tax File Number (TFN) 47 The information in this Additional Information Booklet is general information only and does not take into account your personal financial situation or needs. You should consult a financial planner to obtain financial advice tailored to your personal circumstances. The PDS and this Additional Information Booklet can only be used by persons receiving it (electronically or otherwise) in Australia and applications from outside Australia will not be accepted. We may accept or reject an application without giving reasons. An investment in BT Super for Life is not an investment in, deposit with, or any other liability of, Westpac Banking Corporation ABN (Westpac), or any other company in the Westpac Group. It is subject to investment risk, including possible delays in repayment, or loss of income and principal invested. Except as expressly disclosed in the PDS or this Additional Information Booklet, Westpac and its related entities (including the Trustee) do not stand behind or otherwise guarantee the capital value or investment performance of any investment options or any related assets of BT Super for Life. Information in the PDS or this Additional Information Booklet is subject to change from time to time and may be updated by us. Updated information, if it is not materially adverse, can be obtained by going to our website at bt.com.au, contacting the financial planner for your BT Super for Life account or by calling BT Customer Relations. You can request a paper copy of the PDS, this Additional Information Booklet or any updated information at any time and this will be provided free of charge at bt.com.au or by calling us on Contact us If you have any questions about your super, please call BT Customer Relations on or

3 How super works Contributing to your super There are different types of contributions that can be made to your super. The types of money that you can add to your account are outlined in the table below. Please refer to the Benefits of investing in BT Super for Life on pages 6 to 9 for more information. Employer contributions Personal and Spouse contributions Money from other super accounts Credit card points as a converted dollar value Government contributions Contributions relating to CGT small business concessions Contributions from certain personal injury settlements or orders In most cases, the law requires your employer to contribute a percentage of your salary to your super (this is called Super Guarantee (SG)). Your employer may be required to pay more contributions under an award or other industrial agreement. For your employer to start paying SG into your account, simply sign and hand the Choice of Superannuation Fund form 1 to your employer. We ll give you this form when you set up your account. If you change employers, simply print the form available in internet banking, or call us and we ll send you a copy. You may also be able to organise contributions from your before-tax salary (called salary sacrifice) with your employer. You and your spouse can make after-tax contributions to your Savings account using internet banking funds transfer facility. You can even make payments using BPAY or by electronic transfer from another bank. Your spouse may make contributions to your super, as long as the contribution is paid from an account in the name of your spouse or a joint account where your spouse is an account holder. You can transfer money from your other super accounts at any time using our easy rollover service. You can access this service immediately after you have applied for your account, or at a later stage online. Before moving your money, you should consider whether you ll incur any withdrawal fees from your other account and how moving your money may affect any insurance or other benefits linked to that account. You can transfer points from an eligible credit card to your Savings account by going to the applicable rewards website and following the process to redeem points. You can also transfer your points to your child s or spouse s account. If you are eligible, you may receive a co-contribution or low income superannuation contribution from the Government. The ATO will assess your eligibility and, if applicable, determine the government contribution amount based on information the ATO obtains from your income tax return and other sources, including contributions information provided by us. The ATO will send you a letter confirming the details of your government contribution. For further information about government co-contributions and the low income superannuation contribution, including eligibility requirements, please visit the ATO website at ato.gov.au. You may contribute certain proceeds from disposal of qualifying small business assets. Any such contributions must be made no later than the day you are required to lodge your tax return for the financial year in which the Capital Gains Tax (CGT) event occurred or 30 days after the day you receive the capital proceeds, whichever is later. If the capital proceeds are received and contributed in instalments, each installment is considered a separate contribution and must be made within the above time frames. You must advise us when you make the contribution that you are electing to use the CGT cap for all or part of the contribution by completing and sending us the Capital Gains Tax Election form available from the ATO. You should seek professional advice about whether your contributions qualify for the CGT cap. You may contribute certain payments (personal injury contributions), which are exempt from the contribution caps. The personal injury payment must be in the form of a structured settlement, an order for a personal injury payment or a lump-sum workers compensation payment. In addition, two legally qualified medical practitioners must certify that as a result of the injury, you are unlikely to ever be able to be gainfully employed in a capacity for which you are reasonably qualified because of education, training or experience. You will need to seek professional advice about whether your contributions qualify under these rules. Once you are satisfied that the contribution qualifies under the rules, the contribution must be made within 90 days of the payment being received or the structured settlement or order coming into effect, whichever is later. You must notify us at the time of making the contribution by providing a completed Contributions for personal injury election form (available from the ATO) that the contribution is a personal injury contribution. Registered to BPAY Pty Ltd ABN _ There are limited circumstances where your employer is not required to accept your Choice of Super Fund form, such as if you have already exercised Super Choice in the last 12 months. bt.com.au 3

4 How super works (Continued) Rules for accessing your super What are the preservation rules and when can you access your super? Super is designed so that you cannot access it until you meet a condition of release. In return for tax concessions, the Government has placed restrictions on when you can access your super benefits. These restrictions are known as the preservation rules. You can access your super when: You turn 65 1 You permanently retire from work on or after reaching your preservation age 1, or You reach your preservation age and wish to start a transition to retirement account 1. Your preservation age, determined by the Government, is outlined in the table below: Date of birth Preservation age Before 1 July July June July June July June July June After 30 June If you have reached your preservation age and you re younger than 60, you ll be classified as retired if you do not intend to become gainfully employed again for ten hours or more per week 1. After turning 60, if you leave an employment arrangement, you ll be able to access your super benefits, even if you decide to go back to work 1. You are experiencing financial hardship 1 If you re having difficulty meeting reasonable and immediate family living expenses and you are receiving Commonwealth income support payments, you may qualify for the early release of your super. To find out about the requirements and apply to have your super released you ll need to download the Financial Hardship Benefit Release form from within internet banking. Compassionate grounds 1 You can apply for the early release of your super on compassionate grounds through the Department of Human Services (DHS). The DHS may approve the release of your super to cover expenses related to a serious medical condition or to prevent the forced sale of your home by your mortgagee. To find out more and to apply for the early release of your super you ll need to download the Compassionate Grounds form from within internet banking. Permanent incapacity Your super may be released early if you become permanently incapacitated. Permanent incapacity means we are reasonably satisfied that your ill-health (whether physical or mental) makes it unlikely that you will engage in gainful employment for which you are reasonably qualified by education, training or experience. To find out what evidence you ll need and to apply for the early release of your super you ll need to download the Permanent Incapacity form from within internet banking. If you die Your beneficiaries may access your benefits if you die. Departing Australia Superannuation Payment (DASP) To qualify for a DASP, you need to have worked in Australia while visiting on an eligible temporary resident visa. Your super can be paid to you once you leave Australia and your temporary resident visa has expired or been cancelled. You can find more information, including eligibility criteria and claim a DASP on the Australian Taxation Office (ATO) website ato.gov.au. 1_ These conditions of release are not available if you are a current or former holder of a temporary visa, unless you are a permanent resident of Australia, or citizen of Australia or New Zealand

5 Trans-Tasman portability If you have permanently emigrated to New Zealand, you may be eligible to transfer your superannuation to a Kiwi saver account under the Trans-Tasman portability scheme. Please note, however, we don t currently accept transfers from Kiwi saver accounts. Temporary residents A temporary resident is a holder of a temporary visa under the Migration Act The Australian Government requires us to pay a temporary resident s unclaimed super to the ATO after at least six months have passed since the later of: the date the temporary resident s visa ceased to be in effect, and the date the temporary resident permanently left Australia. Applications to claim your super can be made using the ATO Departing Australia Superannuation Payment (DASP) online application system. To access this system and for more information regarding DASP and current tax rates visit ato.gov.au. Relying on relief provided by the Australian Securities and Investments Commission, we re not obliged to notify or give an exit statement to a member who was a temporary resident where we transfer their super to the ATO following their departure from Australia. Temporary residents may not be eligible to open a BT Super for Life Retirement or Transition to Retirement account. Please see the Rules for accessing your super in this section for more details. Nominating your beneficiaries How to nominate beneficiaries and how we pay benefits if you die You can nominate your beneficiaries online at any time. In BT Super for Life, you only need to update your beneficiaries if your circumstances change. If you don t make a nomination, or your nomination is invalid at the time of your death, we will pay your death benefit to your Legal Personal Representative (Estate). You can nominate who you would like us to pay your death benefit to and, if applicable, how you would like us to allocate the amount between the people you nominate. Any person you nominate (a beneficiary ) must be a dependant as defined by super law. Dependants include your spouse or child. A full list of eligible dependants is available online when you nominate your beneficiaries. Under the Trust Deed, we must follow your nomination if it s valid at the time of your death. Your nomination won t be valid if we know that you have married, entered into a de-facto relationship (or similar relationship) with another person, separated on a permanent basis from your spouse or partner, or have had a child with a person other than your spouse or partner since making your nomination, or we have withdrawn our general consent to follow nominations made under this facility. Unclaimed money In some circumstances, if an amount is payable to you and we are unable to ensure that you have received it, we may be obliged to pay the amount to the ATO on your behalf. We may also be required to transfer your account balance to the ATO if you become a lost member. If your account balance is transferred you will be able to reclaim it from the ATO. For more information on unclaimed super money please refer to ato.gov.au. bt.com.au 5

6 Benefits of investing in BT Super for Life Whatever stage of life you re at, there s a BT Super for Life account to suit you. Is the BT Super for Life Savings account for you? The Savings account may be for you if you require a super account: that is MySuper compliant so that your employer can make super guarantee (SG) contributions to make personal contributions if you re self-employed, to make super contributions (and claim a tax deduction if you are eligible) to combine your other super accounts. It s easy for you, your employer and your spouse to add money to your Savings account. If you have retired you can use a Savings account to leave your money in a low tax environment without the need to make regular withdrawals. What happens after you have applied for a BT Super for Life Savings account? You can print a Choice of Superannuation Fund form 1 with all your account details from internet banking to give to your employer, so they can start paying your SG to your account. You ll have a BSB and an account number so you can make contributions to your super as easily as you currently transfer money between bank accounts through internet banking. You can take advantage of our Super Search to help you combine your other super accounts. You can provide us with your consent during your application or call us on and we ll help you. We ll send you a Welcome and a Welcome Pack to your mailing address. What money can you add to a BT Super for Life Savings account? You can start a BT Super for Life Savings account with a zero balance, and add money to it later. After you have opened an account, you can find detailed payment instructions by logging in to internet banking, clicking your BT Super for Life account and selecting Add to super in the left menu. Money can be added to your Savings account right up until you turn 65, whether you re working or not. Once you turn 65, you can continue to add money as long as you have worked at least 40 hours in any consecutive 30-day period in the current financial year. Once you turn 75, money can t generally be added to your Savings account, unless you re rolling money over from your other super accounts this can be done at any time. There are some limits (known as caps ) that apply when adding money to your super by way of contributions. For more information about contribution caps, and any other changes to legislation affecting super, please refer to the Frequently Asked Questions online. What you may be eligible to withdraw Generally you can only withdraw money from your account if you re over 65 or in other limited circumstances. For more information please refer to Rules for accessing your super on page 4. If you re eligible you can make one-off withdrawals whenever you like. If you d like these payments to be made to your Westpac Group bank account, you ll need an eligible bank account 2. If you hold a bank account with another financial institution, you will need to provide proof of identification in order to meet AML/CTF legislative requirements before we can redeem your super funds. BT Super for Life Retirement and BT Super for Life Transition to Retirement accounts To reduce tax on your investment earnings or to set up regular withdrawals you may want to change your account to a Retirement or a Transition to Retirement account, when you re eligible. 1_ There are limited circumstances where your employer is not required to accept your Choice of Super Fund form, such as if you have already exercised Super Choice in the last 12 months. 2_ For a list of eligible bank accounts see the Frequently Asked Questions online

7 Is the BT Super for Life Retirement account for you? The BT Super for Life Retirement account may be for you if you want to start withdrawing money from your super, and at least one of the following applies to you, regardless of your balance: You re 65 years old or older You re 60 years old or older and have left an employment arrangement since turning 60. You may have already started working for another employer or plan to do so in the future You re 55 years old or older, and you don t intend to work more than 10 hours a week in the future Regardless of age, your super is unrestricted non-preserved. Note: Withdrawals can only continue until the balance of your account is exhausted. Your BT Super for Life Retirement account may not provide you with income for the rest of your life. If you are a temporary resident you may be unable to access your benefits in order to commence a Retirement account. Please refer to Rules for accessing your super on page 4. What happens after you have applied for a BT Super for Life Retirement account? Your account won t be active until we have received all the money you specified as the amount(s) to open your account during the application process. This money can come from your other super accounts or, if eligible, a lump sum. We may also require a TFN declaration form to be completed. You can take advantage of our easy online rollover service to transfer money you have in other super accounts to your new BT Super for Life account. You can do it online after you finish your application or call us on and we ll help you. We will send you a Welcome and a Welcome Pack to your mailing address. You ll receive a Pay As You Go (PAYG) payment summary online at the end of each financial year if you re under 60. What money can you add to a BT Super for Life Retirement account? If you have met a condition of release, you can start a BT Super for Life Retirement account with: money from your BT Super for Life Savings account money from your other super accounts contributions to which you have immediate access using a condition of release including: money from certain personal injury settlements or orders personal contributions, including contributions relating to small business concessions. If you re under 65, or if you re aged 65 to 74 and work more than 40 hours in any consecutive 30-day period in the financial year, you can add a lump sum of money in the form of a cheque. A lump sum amount is categorised as a personal contribution. There are some caps which apply when adding money. It s your responsibility to make sure you don t exceed the caps. For more information on contribution caps please refer to the Frequently Asked Questions online. If you haven t yet met a condition of release, you can start a Retirement account with unrestricted non-preserved money from your BT Super for Life Savings account and/or money from your other super accounts classed as unrestricted non-preserved. Note: Government super regulations prevent you from adding money to an account of this type after it has started. It s therefore important to work out how much money you need to put into your account before you start your application. If your circumstances change, we can combine the money in your account with additional contributions in a new account. bt.com.au 7

8 Benefits of investing in BT Super for Life (Continued) What you may be eligible to withdraw Regular or one-off withdrawals It s easy to set up regular payments or make one-off withdrawals from your Retirement account and you can change your arrangements whenever you like to suit your needs, subject to the limits explained below. Withdrawals from this account can be paid into your eligible Westpac Group bank account 1. If you hold a bank account with another financial institution, you will need to provide proof of identification in order to meet AML/CTF legislative requirements before we can redeem your super funds. Annual withdrawal limits Government regulations specify that a percentage of your Retirement account balance must be withdrawn each financial year, as set out in the table below. At the end of each financial year, if you haven t already withdrawn at least the minimum amount we will move the remainder to your eligible Westpac Group bank account 1 so you won t even have to think about meeting the minimum withdrawal requirements. If you hold a bank account with another financial institution, you will need to provide proof of identification in order to meet AML/CTF legislative requirements before we can redeem your super funds. Your age at 1 July each year Minimum amount to be withdrawn each financial year % Under or more 14 Is the BT Super for Life Transition to Retirement account for you? The Transition to Retirement account may be for you if you want to start withdrawing money from your super, regardless of your balance, and: You have reached your preservation age You re less than 65 years old, and You have not retired. Note: Withdrawals can only continue until the balance of your account is exhausted. Your Transition to Retirement account may not provide you with income for the rest of your life. If you are a temporary resident you may be unable to access your benefits in order to commence a Transition to Retirement account. Please refer to Rules for accessing your super on page 4. What happens after you have applied for a BT Super for Life Transition to Retirement account? Your account won t be active until we have received all the money you specified as the amount(s) to open your account during the application process. This money can come from your other super accounts or, if eligible, a lump sum. We may also require a TFN declaration form. You can take advantage of our easy online rollover service to transfer money you have in other super accounts to your new BT Super for Life account. You can do it online after you finish your application or call us on and we ll help you. We ll send you a Welcome and a Welcome Pack to your mailing address. You ll receive a PAYG payment summary online at the end of each financial year if you re under 60. Lump sum withdrawals If you decide you no longer require regular payments, or if you need extra money, you may withdraw all, or part of, your Retirement account balance at any time. You may withdraw money as an income payment or a lump sum. 1_ For a list of eligible bank accounts see the Frequently Asked Questions online

9 What money can you add to a BT Super for Life Transition to Retirement account? If you re between preservation age and 65, you can commence a Transition to Retirement account with: money from your BT Super for Life Savings account money from your other super accounts contributions from certain personal injury settlements or orders a lump sum of money, categorised as a personal contribution. This includes contributions relating to small business concessions. Note: Government super regulations prevent you from adding money to an account of this type after it has started. It s therefore important to work out how much money you need to put into your account before you start your application. If your circumstances change, we can combine the money in your account with additional contributions in a new account. What you may be eligible to withdraw Regular or one-off withdrawals By law you cannot withdraw more than 10% of your BT Super for Life Transition to Retirement account balance each financial year until you have met a full condition of release (please refer to Rules for accessing your super on page 4). However, you may rollover all, or part of, your Transition to Retirement account at any time to: another transition to retirement account, or a complying super fund. It s easy to set up regular payments or make one-off withdrawals from your BT Super for Life Transition to Retirement account and you can change your arrangements whenever you like to suit your needs. Withdrawals from this account can be paid into your eligible Westpac Group bank account 1. If you hold a bank account with another financial institution, you will need to provide proof of identification in order to meet AML/CTF legislative requirements before we can redeem your super funds. Withdrawals are subject to the limits explained below and preservation rules. For details on preservation rules please refer to Rules for accessing your super on page 4. Annual withdrawal limits Government regulations specify that a percentage of your Transition to Retirement account balance must be withdrawn each financial year. As set out in the table below, these percentages apply to your account balance as at the date you open your account and 1 July each subsequent year. Your age at Amount to be withdrawn 1 July each year each financial year Minimum % Maximum % 55 to Pension factors change from time to time. You can check your annual minimum pension amount by logging in to internet banking, clicking your BT Super for Life account and selecting Withdrawals then Yearly income limits in the left menu. At the end of each financial year, if you haven t already withdrawn at least the minimum amount we will move the remainder to your eligible Westpac Group bank account 1 so you won t even have to think about meeting the minimum withdrawal requirements. If you hold a bank account with another financial institution, you will need to provide proof of identification in order to meet AML/CTF legislative requirements before we can redeem your super funds. You can withdraw more than the maximum limit when you reach age 65 or under other limited circumstances (please refer to Rules for accessing your super on page 4). Generally when this happens, your Transition to Retirement account becomes a Retirement account. 1_ For a list of eligible bank accounts see the Frequently Asked Questions online. bt.com.au 9

10 How we invest your money Easy investment choices BT partners with some of the world s leading fund managers to offer you a diversified range of asset types and investment management styles. You can choose between Option 1 and Option 2, or combine Options 1 and 2 to create a unique investment blend. Option 1 Let us do the hard work for you in a Lifestage Fund We manage the money for you in a Lifestage Fund automatically changing your investment mix as you get older. Whether you ve just begun to save for retirement or you have already left the workforce, a Lifestage Fund can give you an efficient, well-diversified portfolio designed and managed according to your age. Your Lifestage Fund is based on the year you were born. For example, if you were born in 1973 you will be invested in the 1970 s Lifestage Fund. Your Lifestage Fund invests in a mix of growth and defensive assets and we automatically adjust the mix as you get older and your investment needs change. The Lifestage funds are the authorised MySuper option for BT Super for Life. We may change the asset allocation to suit market conditions but will stay within the minimum and maximum range shown in brackets. Please refer to the table below for the strategic asset allocation and ranges as at 1 July 2014 or Section 5 of the PDS for information about the Lifestage funds investment return objective and level of risk. Option 2 Specify an investment mix yourself You specify an investment mix yourself by choosing from the investment funds we offer. If you d prefer to choose your own investment mix, you can do so by nominating the percentage of your super that s invested in each of the following funds: BT Super for Life Super Cash BT Super for Life Conservative Fund BT Super for Life Moderate Fund BT Super for Life Growth Fund BT Super for Life Lifestage Fund You can change your investment mix at any time or choose to switch all or part of your money to a Lifestage Fund if you decide you d prefer us to set the asset mix for you. See next page for more details about the funds in Option 2. Lifestage Fund Asset Type (%) 1940s 1950s 1960s 1970s 1980s 1990s 2000s Equity Australian (listed) Range 6 (0 21) 17 (2 32) 25 (10 40) 31 (16 46) 33 (18 48) 33 (18 48) 33 (18 48) Equity International (listed) Range 4 (0 19) 15 (0 30) 24 (9 39) 31 (16 46) 33 (18 48) 33 (18 48) 33 (18 48) Property Australian (listed) International (listed) International (unlisted) Range (0 21) (0 21) (0 22) (0 22) (0 22) (0 22) (0 22) Other International (Alternatives Growth) Commodities International (listed) Range 9 1 (0 15) 11 2 (0 18) 13 2 (0 20) 14 2 (1 21) 15 2 (2 22) 15 2 (2 22) 15 2 (2 22) Fixed Income Australian Range 10 (0 25) 7 (0 22) 4 (0 19) 2 (0 17) 1 (0 16) 1 (0 16) 1 (0 16) Fixed Income International Range 16 (1 31) 10 (0 25) 6 (0 21) 3 (0 18) 2 (0 17) 2 (0 17) 2 (0 17) Other International (Alternatives Defensive) Range 25 (10 30) 16 (1 21) 9 (0 14) 4 (0 9) 2 (0 7) 2 (0 7) 2 (0 7) Cash Range 23 (8 38) 16 (1 31) 10 (0 25) 6 (0 21) 5 (0 20) 5 (0 20) 5 (0 20)

11 BT Super for Life Super Cash Investment return objective To provide account holders with a competitive interest rate by investing in cash via a life policy with Westpac Life Insurance Services Limited. Suggested minimum investment timeframe No minimum Who is this fund for? For conservative investors who want very low levels of risk and to preserve their capital. Interest is calculated daily and credited monthly. Standard risk measure* 1. Very low Mix of asset classes Asset Class Target Range (%) (%) Cash Total Growth 0 Total Defensive 100 BT Super for Life Moderate Fund Investment return objective To provide a return (before fees and taxes) that exceeds the fund s benchmark over the suggested minimum investment timeframe. Suggested minimum investment timeframe 5 years or more Who is this fund for? Investors who are comfortable with a reasonably aggressive approach to investing with a moderately high level of risk and potential return. Standard risk measure* 6. High Mix of asset classes Asset Class Target Range (%) (%) Australian shares International shares Australian property International property Australian fixed interest International fixed interest Alternative investments Cash Total Growth 68 Total Defensive 32 BT Super for Life Conservative Fund Investment return objective To provide a real return that exceeds inflation over the suggested minimum investment timeframe. Suggested minimum investment timeframe 3 years or more Who is this fund for? Investors who want low levels of risk and some growth to protect capital against inflation. Standard risk measure* 5. Medium to high Mix of asset classes Asset Class Target Range (%) (%) Australian shares International shares Australian property International property Australian fixed interest International fixed interest Alternative investments Cash Total Growth 25 Total Defensive 75 BT Super for Life Growth Fund Investment return objective To provide a return (before fees and taxes) that exceeds the fund s benchmark over the suggested minimum investment timeframe. Suggested minimum investment timeframe 5 years or more Who is this fund for? Investors who are comfortable with a very aggressive approach to investing with a higher risk and higher potential return. Standard risk measure* 6. High Mix of asset classes Asset Class Target Range (%) (%) Australian shares International shares Australian property 0 0 International property 0 0 Australian fixed interest 0 0 International fixed interest 0 0 Alternative investments 0 0 Cash 0 0 Total Growth 100 Total Defensive 0 *The Standard Risk Measure helps you compare the risk of the fund with other funds. Risk is measured on a scale of 1 to 7 (1 being the lowest and 7 being the highest) based on industry guidance that reflects the estimated number of negative annual returns over any 20 year period. Please see How is risk measured? on page 12. bt.com.au 11

12 How we invest your money (Continued) Benchmarks The benchmarks for the Growth Fund and Moderate Fund, referred to in the Investment return objectives in the previous table, are created from a blend of the indices detailed in the table below, based on the Funds exposure to different asset types. This is calculated by using the weighted average of the strategic asset allocation neutral position and the index returns for each asset type. Asset type Benchmark indices Australian shares S&P/ASX 300 Accumulation Index International shares MSCI World ex Australia (Standard) Index (Net Dividends) in AUD Australian property S&P/ASX 200 Property Accumulation Index International property UBS Global Real Estate Investors (ex Australia) Index net of withholding tax (hedged to AUD) Australian fixed interest UBS Composite Bond Index International fixed interest JP Morgan GBI Global Traded Index (hedged AUD) Cash UBS Bank Bill Index Alternative investments UBS Bank Bill Index How is risk measured? The level of risk, or Standard Risk Measure, for each investment fund is based on an estimate of the number of negative annual returns that may be experienced over any 20 year period as shown in the table. Standard risk measure Estimated number of Risk Risk label negative annual returns band over any 20 year period 1 Very low Less than Low 0.5 to less than 1 3 Low to medium 1 to less than 2 4 Medium 2 to less than 3 5 Medium to high 3 to less than 4 6 High 4 to less than 6 7 Very high 6 or greater The Standard Risk Measure allows you to compare the level of risk of investment funds within BT Super for Life as well as other investment options available through other super funds. The Standard Risk Measure is not a complete assessment of all forms of investment risk, for example it does not detail what the size of the negative return may be or the potential for a positive return to be less than the return you require to meet your investment objectives. It also does not take into consideration the impact of fees and tax on investment returns. You should ensure you are comfortable with the risks and potential losses associated with the investment funds you choose to invest in. Labour standards or environmental, social or ethical considerations This section describes how labour standards, environmental, social, corporate governance and ethical considerations are taken into account, as well as key financial criteria, when selecting, retaining or realising the investments of the BT Super for Life Moderate Fund and the BT Super for Life Conservative Fund, and the Lifestage Funds. Specifically, sustainable investment practices are incorporated in: the BT Super for Life Moderate Fund, the BT Super for Life Conservative Fund ; and the Lifestage funds. For other Funds we do not take labour standards, environmental, social or ethical considerations into account when selecting, retaining or realising investments. BT Financial Group is a signatory to the UN Principles for Responsible Investment (PRI) and more information regarding this is provided in the Frequently Asked Questions online

13 Australian Equities component of BT Super for Life Moderate, Conservative and Lifestage Funds The Australian equities component of the BT Super for Life Moderate, Conservative and a proportion of the Lifestage funds invests in the shares of Australian companies that have been suitably ranked. The investment manager s environmental and social assessment considers the extent to which a company exhibits appropriate strategic recognition, board oversight, policies and systems to manage the company s material environmental and social issues. Specifically, the investment manager s assessment considers the following: Environmental Management Management of environmental impacts through the implementation of best practice environmental techniques, technologies and product design Environmental performance against a range of environmental indicators including, for example, greenhouse gas emissions, energy and water use and environmental incidents The capacity to consult key stakeholders in relation to activities that may have significant environmental impacts Business Ethics and Conduct Codes of conduct and the extent of their integration into the company s operations Provision of regular and appropriate training Whistleblower policies and procedures Ethical conduct and performance of employees and officers the extent to which companies are adopting principles in areas such as complying with the law, fair and open dealings and accepting responsibility for their actions How is product safety or consumer protection ensured? In what ways does the company relate to key community stakeholders, and how regular is this engagement? Do guidelines exist to manage stakeholder consultation? Human Capital Management Equal opportunity, anti-discrimination and industrial relations policies and practices Staff incentives, development and training Employee benefits and entitlements Human capital management performance against a range of indicators, such as voluntary turnover and gender diversity in senior management Workplace Health and Safety Workplace health and safety practices Management of contractors and suppliers Provision of regular and appropriate training Workplace health and safety performance against indicators such as fatalities and lost time injury frequency rate How these factors are taken into account when selecting investments Companies within each industry sector of the S&P/ ASX200 are researched. The investment manager assigns an environmental and social ranking to each company researched. The investment manager also assigns a financial ranking to each company. These rankings are taken into account, when the fund invests, by adopting a best of sector approach. This approach means that all major industry sectors are included in the Fund s portfolio, favouring companies with higher rankings within individual sectors. The ranking criteria applied to the fund s investments may exclude some companies from the investible pool of the fund s portfolio. For this reason the fund s performance may vary when compared to other funds that are able to invest in these companies. This risk should be considered when deciding whether to invest in the fund. The Lifestage Funds A significant proportion of the Lifestage Funds international shares and Australian shares exposure is invested in strategies for which Environmental, Social and Corporate Governance (ESG) factors are key drivers of the investment process. In these strategies, ESG factors may be the sole basis for investment decision making. Independent specialist research is used by the fund manager in this process. In respect of the international shares exposure for which ESG factors are a key driver of the investment process, companies which directly mine or use uranium for the purpose of weapons manufacture, or that derive more than 50% of their sales from weapons and armaments are excluded from the portfolio. bt.com.au 13

14 How we invest your money (Continued) Other than in these strategies, we do not use labour standards, environmental concerns, or social or ethical considerations as the sole basis to make investment decisions, appoint investment managers or enter into investment strategies, though we may consider environmental, social and governance (ESG) factors where such factors have potential to affect the financial performance of investments. We take an integrated approach to the consideration of ESG factors and we believe this enhances our ability to meet the long-term investment objectives for the Lifestage Funds and provides greater insight into investment risks across all time frames. The level of ESG integration included in an investment manager s strategy and the individual investment manager capabilities is a factor we consider as part of our investment manager selection process. We have no predetermined view as to how far the level of ESG integration should be taken into account in the selection process. Once appointed, to the extent an investment manager considers it appropriate and having regard to its investment strategy, we encourage an investment manager to include ESG factors in their investment processes (although we do not mandate that they are obliged to take such factors into account). We re committed to practicing active ownership and to working with managers to ensure voting rights are exercised appropriately. Further detail concerning the International share component A proportion of the Lifestage Funds international shares exposure is invested sustainably in the shares of companies that make up the Dow Jones Sustainability World Index (excluding Australia) or DJSI World ex-australia (DJSI) except companies which directly mine or use uranium for the purpose of weapons manufacture, or that derive more than 50% of their sales from weapons and armaments. The DJSI was the world s first global sustainability index tracking the performance of the leading sustainability driven companies. It comprises the top 10% of the biggest 2,500 companies, divided into industry groups, in the Dow Jones Global Index that demonstrate superior sustainability practices as rated by SAM Group Holdings (SAM), a pioneer in sustainability investing. How these factors are taken into account when selecting investments SAM determines the score of companies in the eligible universe, i.e. the largest 2,500 companies worldwide, by assessing a company s opportunities and risks based on the economic, environmental and social factors described above. Companies are assessed against general and industry-specific criteria in each category and given a final score out of 100. Based on that score, the leading 10% in each industry group are selected as DJSI components. If the highest ranked company in a group has a corporate sustainability score that is less than onefifth of the maximum score, then the whole industry is deleted from the DJSI. How these factors are taken into account when retaining and realising investments SAM reviews the DJSI quarterly and annually to ensure that the index composition accurately represents the top 10% of the leading sustainability companies in each of the DJSI industry groups. In the quarterly reviews, factors used to calculate the weightings, such as the number of shares a company has on issue, are reviewed. This may result in changes to the weightings or excluding companies due to lack of size. In the annual review, the leading sustainability companies are selected from the Dow Jones Global Index which is also reviewed annually. The resulting changes to the DJSI composition are announced on the annual review date in September. The investment manager of the international shares component that is invested sustainably monitors the portfolio for consistency with the DJSI and sells the shares of any companies that are no longer in the index as soon as practicable. How we can change the investment options We have the right to change an investment fund s objective, investment strategy (including the benchmark), asset allocation, target position, investment manager(s) and possible variation and currency strategy (if any), without prior notice in some cases. We will advise you of any significant material change to an investment fund s details in our next regular communication or as otherwise required by relevant law

15 Changes to investment funds To ensure that the range of investment funds continues to suit the investment needs of our investors, we regularly monitor our investments. We may add, close, vary or terminate investment funds without prior notice to investors. From time to time, the asset class allocations for an investment fund may be temporarily outside the asset allocation ranges. If an investment fund is terminated, we may switch your account balance in that investment fund to another investment fund of our choice. We will notify you about any material changes to the investment funds. How we calculate unit prices Each investment fund has its own unit price, which is the monetary value of one unit. Except for Super Cash, which is unit price stable, unit prices are normally calculated every business day by dividing the value of the assets held in the investment fund, after allowing for certain fees, taxes and expenses, by the total number of units on issue for that investment fund. The entry and exit unit prices may include an allowance for costs (buy/sell spreads) that would be incurred if the unit s share of the assets were purchased or sold on the day the unit prices are calculated. Unit prices for all investment funds are available on our website or by calling BT Customer Relations. We can change the way we calculate unit prices. We won t ordinarily provide notice of this change however information about any changes will be available on our website or by calling BT Customer Relations. We can delay or suspend the release of unit prices, or apply a special price due to volatile market conditions and other circumstances we deem reasonable. How we calculate the BT Super for Life Super Cash interest rate The Super Cash fund is invested in cash and short-term securities through a life policy issued by Westpac Life Insurance Services Limited. Interest on your investment in the Super Cash fund is calculated daily and paid monthly to your account. Each month the expected return on assets in the Super Cash fund is reviewed by BT to determine the interest rate to be attributed to your investment. The current interest rate is available at bt.com.au. bt.com.au 15

16 Fees and other 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 account balance rather than 1% could reduce your final return by up to 20% over a 30 year period (for example, reduce it from $ to $80 000). You should consider whether features such as superior investment performance or the provision of better member services justify higher fees and costs. Your employer may be able to negotiate to pay lower administration fees. 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 (moneysmart.asic.gov.au) has a superannuation fee calculator to help you check out different fee options. *This section is prescribed by law. BT Super for Life costs are set at the lowest level that is consistent with effective management of the product and are not negotiable. This document shows fees and other costs you may be charged. These fees and other costs may be deducted from your money, from the returns on your investment or from the assets of BT Super for Life as a whole. Other fees, such as activity fees, advice fees for personal advice and insurance fees, may be charged, but these will depend on the nature of the activity, advice or insurance chosen by you. Taxes, insurance fees and other costs relating to insurance are set out in another part of this document. You should read all the information about fees and other costs because it is important to understand their impact on your investment

17 The fees and other costs for the BT Super for Life Lifestage Funds, and for each other investment option offered by BT Super for Life are set out below. BT Super for Life Investment funds Type of fee Amount How and when paid Investment fee 1 Administration fee Buy/sell spread Switching fee Exit fee Advice fee relating to all members investing in a particular MySuper product or investment fund Other fees and costs 2 Indirect cost ratio Super Cash: 0.00% pa of your account balance All other options: 0.50% pa of your account balance plus an outperformance fee on the Lifestage Fund (if applicable, current estimate 0.00% of the investment option s value). $5 per month ($60 pa) Plus Super Cash: 0.00% pa of your account balance All other options: 0.45% pa of your account balance 0% 0.38%, depending on your investment fund, depending on your investment option. Nil Nil Nil Advice fee, if you agree a fee with your Financial Adviser Plus Insurance fees, if you have insurance cover in BT Super for Life. Regulatory Change Expense Recovery of up to 0.10% pa of the investment option s asset value. Deducted from the assets of the investment fund and reflected in the daily unit price. Generally deducted monthly. Performance fee deducted from the assets of the investment fund and reflected in the unit price on a daily basis when investment performance targets are met. Deducted from your account balance on the first day of every month. Deducted from the assets of the investment fund and reflected in the daily unit price. Generally deducted monthly. The cost will be reflected in the buy/sell price of the investment fund. The advice fees and insurance fees are deducted from your account balance on the date the fee or cost is incurred. Deducted from the assets your investment option(s) and reflected in the unit price on a daily basis. 1_ The Investment fee for the Lifestage Funds may be higher if certain investment performance targets are achieved. Please refer to Investment fees in the Additional explanation of fees and costs in this section for more information. 2_ Additional fees and costs may apply. Please refer to the Additional explanation of fees and costs in this section for more information. Additional explanation of fees and costs GST and taxes The fees quoted in this section include the Goods and Services Tax (GST) and are net of any applicable Reduced Input Tax Credits. The benefit of tax deductions to BT Super for Life, if any, will be passed on to account holders in the form of a reduced fee or cost. For more information about tax and super, refer to the How super is taxed section of the PDS. Administration fees An administration fee is a fee that includes costs incurred by the trustee of BT Super for Life that relate to the administration or operation of the product that are not otherwise charged as any other fee explained in this section. The administration fee is made up of two parts: a dollar based fee of $5.00 per month ($60 per year), and a percentage based fee of 0.45% pa The dollar based fee is deducted on the first day of each month. The dollar based fee will be deducted from the Lifestage fund (if held). If you have less than $5 in your Lifestage Fund, or you don t hold any money in the Lifestage fund, the fee will be deducted proportionally across your investments. bt.com.au 17

18 Fees and costs (Continued) The dollar based fee will be deducted from the Lifestage Fund (if held). If you: have less than $5 in your Lifestage Fund, the fee will firstly be deducted from your account balance invested in the Lifestage Fund. Any applicable dollar based fee in excess of your account balance in the Lifestage Fund will then be deducted proportionately from your account balance invested in all other investment funds; don t hold any money in the Lifestage Fund, the dollar based fee will be deducted proportionally from your account balance invested in all other investment funds. Regulatory Change Expense Recovery Recent regulatory reforms have required BT to undertake a significant program of work to implement the reforms. In addition, BT (along with other superannuation providers) is being charged a levy to help fund government costs for supervising the superannuation industry; which BT is entitled to recover. To help cover the significant cost of implementing these reforms and the levies, the Fund s Indirect Cost Ratio may increase by up to 0.10%. This increase is expected to apply until reform implementation is completed in The amount charged will be reduced by any tax benefit you are entitled to receive. Investment fees An investment fee is a fee that relates to the investment of the underlying assets supporting the investment options available in BT Super for Life and includes fees in payment for the exercise of care and expertise in the investment of those assets (including performance fees); and costs incurred by the Trustee that relate to the investment of assets of the entity; and are not otherwise charged as any other fee explained in this section. The standard investment fee for all investment options other than the Super Cash option is 0.50% pa, as shown in the fee table on page 17. A higher investment fee may apply if one or more of the fund s underlying investment managers achieves a specific investment performance target, for example if they achieve a specified rate of return above an applicable benchmark index, and are paid an outperformance fee. If applicable, the outperformance fee will increase the Investment fee shown in the Fees and costs table on page 17. The amount of any outperformance fee depends on the extent that an investment manager exceeds the performance target and the proportion of the fund allocated to the investment manager. The fee is typically calculated by multiplying the outperformance by an agreed performance fee rate and the percentage weighting of the assets in the applicable fund. The performance fee is paid to certain underlying investment managers when they exceed specific investment performance targets. This fee (if applicable) is reflected in the daily unit price for the investment option. It is paid monthly, quarterly or annually from the assets managed by the relevant underlying investment manager. For example, if an investment manager managing 10% of the assets of the fund outperforms their investment performance target by 3% for the year and has an agreed performance fee rate of 20%, the outperformance fee is 0.06% (3% x 20% x 10%). In this case the fund s investment fee would be 0.56% pa (0.50% %). If you had $50,000 invested in the fund, the investment fee you would pay is $280 ($50,00 x 0.56%) for that year. Usually, any prior underperformance must be made good before the investment manager can qualify for an outperformance fee. There is no guarantee that an investment manager will earn an outperformance fee and the actual fees paid will vary each year. Advice fees An advice fee relates directly to costs incurred by the trustee because of the provision of financial product advice to you by a trustee of BT Super for Life; or another person acting as an employee of, or under an arrangement with, the trustee; and those costs are not otherwise charged as any other fee explained in this section. If you have an adviser who is registered with BT, you can agree to pay them a fee for their advice on BT Super for Life by nominating an amount online. Details of this fee should be set out in the Statement of Advice provided by your adviser

19 Insurance fees Standard Cover rates are available in the Product Disclosure Statement (PDS) on page 13. Please refer to page 28 for details of the fees applicable to Customised Cover in BT Super for Life. Activity fees An activity fee relates to costs incurred by the trustee of BT Super for Life that are directly related to an activity that is performed at your request, or with your consent, or relates to you and is required by law; and those costs are not otherwise charged as any other fee explained in this section. An example of an activity fee is the fee relating to Family Law matters. We do not currently charge fees for splitting super accounts, providing information or meeting other Family Law Act requirements. We may decide to pass on any expenses we incur, where your account is affected by requirements under the Family Law Act or related legislation. These may include fees for providing information to an eligible person, implementing the splitting of, or the application of a payment flag on, your account. You ll be notified of any fees and expenses that may be charged. Indirect cost ratio The indirect cost ratio (ICR), for a MySuper product or an investment option, is the ratio of the total of the indirect costs (reflected within the unit prices and including the investment fee and any asset-based or percentage administration fee) for the MySuper product or investment option, to the total average net assets of BT Super for Life attributed to the MySuper product or investment option. A dollar-based fee that is deducted directly from your account is not included in the indirect cost ratio. Changes in fees and costs We are allowed to alter any of the fees and costs without your consent, but if we increase the fees and costs, you ll receive at least 30 days advance notice. We may waive or discount costs in other circumstances at our discretion in future. Fee definitions can be accessed in the Super section of bt.com.au under Prices & performance. Buy/sell spread A buy/sell spread is a fee to recover transaction costs incurred in relation to the sale and purchase of assets supporting the investment options available. When we buy or sell investments for account holders we incur transaction costs (e.g. brokerage and costs incurred when buying and selling units in underlying investment funds). A part of these costs is met by the buy/sell spread. It s not a fee paid to us but an additional cost to you when you add to or withdraw from your account, or change investment options. The current buy/sell spread is available online. The estimated buy/sell spreads as at 1 July 2014 are in the table below. You should consider these costs when making any investment decisions such as changing investment options. Investment option Buy/Sell Example spread (%) Lifestage Fund (Savings or Retirement) Growth Fund (Savings or Retirement) Moderate Fund (Savings or Retirement) Conservative Fund (Savings or Retirement) Super Cash (Savings or Retirement) Defined fees For example, if you invest $10,000 in an investment option at 0.18 the maximum buy/sell spread of 0.38%, you ll generally incur this cost, being $38, 0.38 at the time you invest A fee is an activity fee 1 if: a) the fee relates to costs incurred by the trustee of the superannuation entity that are directly related to an activity of the trustee: i) that is engaged in at the request, or with the consent, of a member; or ii) that relates to a member and is required by law; and b) those costs are not otherwise charged as an administration fee, an investment fee, a buy-sell spread, a switching fee, an exit fee, an advice fee or an insurance fee. bt.com.au 19

20 Fees and costs (Continued) An administration fee is a fee that relates to the administration or operation of the superannuation entity and includes costs incurred by the trustee of the entity that: a) relate to the administration or operation of the entity; and b) are not otherwise charged as an investment fee, a buy-sell spread, a switching fee, an exit fee, an activity fee, an advice fee or an insurance fee. A fee is an advice fee if: a) the fee relates directly to costs incurred by the trustee of the superannuation entity because of the provision of financial product advice to a member by: i) a trustee of the entity; or ii) another person acting as an employee of, or under an arrangement with, the trustee of the entity; and b) those costs are not otherwise charged as an administration fee, an investment fee, a switching fee, an exit fee, an activity fee or an insurance fee. A buy-sell spread is a fee to recover transaction costs incurred by the trustee of the superannuation entity in relation to the sale and purchase of assets of the entity. An exit fee 1 is a fee to recover the costs of disposing of all or part of members interests in the superannuation entity. The indirect cost ratio (ICR), for a MySuper product or an investment option offered by a superannuation entity, is the ratio of the total of the indirect costs for the MySuper product or investment option, to the total average net assets of the superannuation entity attributed to the MySuper product or investment option. Note: A dollar-based fee deducted directly from a member s account is not included in the indirect cost ratio. A fee is an insurance fee if: a) the fee relates directly to either or both of the following: i) insurance premiums paid by the trustee of a superannuation entity in relation to a member or members of the entity; ii) costs incurred by the trustee of a superannuation entity in relation to the provision of insurance for a member or members of the entity; and b) the fee does not relate to any part of a premium paid or cost incurred in relation to a life policy or a contract of insurance that relates to a benefit to the member that is based on the performance of an investment rather than the realisation of a risk; and c) the premiums and costs to which the fee relates are not otherwise charged as an administration fee, an investment fee, a switching fee, an exit fee, an activity fee or an advice fee. An investment fee is a fee that relates to the investment of the assets of a superannuation entity and includes: a) fees in payment for the exercise of care and expertise in the investment of those assets (including performance fees); and b) costs incurred by the trustee of the entity that: i) relate to the investment of assets of the entity; and ii) are not otherwise charged as an administration fee, a buy-sell spread, a switching fee, an exit fee, an activity fee, an advice fee or an insurance fee. A switching fee 1 is a fee to recover the costs of switching all or part of a member s interest in the superannuation entity from one class of beneficial interest in the entity to another. 1_ We currently don t charge this fee, and you ll be notified of any fees that may be charged

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