Super funds may appear the same. This checklist may help you compare what your employer provides, with other funds.

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1 Super funds may appear the same. This checklist may help you compare what your employer provides, with other funds. There are no forms to complete if you join your employer fund. You ll simply be enrolled in your employer fund and placed into a default investment strategy where your contributions will be paid. You also have the option of choosing an investment strategy if you wish. This checklist highlights some issues to consider if you re comparing superannuation funds. The choice is yours. Of course, before you make any decision about your financial future, you should consider speaking to a licensed and qualified financial planner who can provide advice that s specific to your objectives, financial situation and needs. Contact Plum on if you would like to speak to a financial planner. Some of the features of your employer fund, which forms part of the Plum Superannuation Fund, include: Administration and investment fees that use the buying power of all employee members. You may also want to use this checklist to compare fees. Insurance premiums that use the buying power of all employee members. You may also want to use this checklist to compare fees. Insurance cover without medicals You may receive insurance cover without having to undertake any medical examinations. No commissions No commissions are payable to any financial planners. Investment range You have up to 34 different investment options from which to choose. Experience Plum administers over $8.5 billion of assets on behalf of over 80 corporate clients, many of whom are amongst the largest employers in Australia including BHP Billiton, Wattyl, HP and Boral. Ongoing monitoring Your employer meets regularly with Plum to monitor the service quality of your employer fund. Please refer to the current Product Disclosure Statement (PDS) for more information about your Employer fund. PLRD /05

2 Number and style of investment options You have the choice of 34 investment options in which to invest. The investment portfolios provide a choice of: - diversified and single sector managers; and - active and passive management. You have up to three investment paths to choose from. Check to see if the fund provides you with a professionally managed investment that may suit you. Diversifying your investments could help you to reduce your risk over the long term. Refer to the current PDS for more information about the investment options available. Investment performance Current performance figures are calculated after tax and investment fees. Investment unit prices are updated daily. Up-to-date information is available at To make sure you re comparing like with like, check to see if the quoted investment performance is net or gross of tax and fees. Consider your asset allocation and the appropriate mix of investments which could impact the overall investment performance of your fund. Think about how you measure investment performance. For example, is consistency of performance more important to you than being at the top of the market one year and at the bottom the next? Remember past performance is not a reliable indicator of future performance.

3 Admin fee Member fee This fee represents a percentage of your assets p.a. Your employer may pay for some of, or the entire fee. This will depend on your employer plan. This is usually a flat dollar fee paid annually by you or your employer. Superannuation funds may describe their fees and charges differently. So it s important to understand fee structures if you want to make an accurate comparison. Most importantly, look at all the fees across your plan, not simply the administration fees. Fee to process your benefit payment (termination fee) This is a flat dollar fee for each benefit payment processed. Entry fee to establish your account None Fee for employee contributions None Fee for employer contributions None Switching fee* No transaction switching fees apply.* Withdrawal fees None H M L Trustee fee Currently no fees are charged. H M L Sales commissions for selling a superannuation plan No commissions are payable to any financial planners. Check the Statement of Advice provided to you by your financial planner to see if any commissions will be received. These will need to be disclosed as part of the financial planner s recommendations. Gross investment fees Current investment option management costs range from 0.34% to 1.46% p.a. Make sure you understand if the fees are gross or net of tax. Investment fees are deducted from earnings before investment returns (which may be positive or negative) are credited to your account. This fee does not include the transaction costs which are incurred when assets of the underlying investments are purchased or sold. * Some transaction costs (buy/sell fees) may apply. Current buy/sell fees range from 0% to 0.5%. Information on any buy/sell fees that may apply on some investments is contained in the current PDS or go to the Investment options section at

4 Automatic You can be automatically acceptance limit for accepted for insurance cover up death and total and to a certain limit without having to permanent undergo a medical examination. disablement (TPD) This limit will depend on your cover employer plan. Check to see if your fund provides death, TPD and salary continuance cover. Death and TPD and salary continuance cover The Plum Superannuation Fund can provide a combination of death, disablement and salary continuance options with automatic acceptance limits. The insurance options available will depend on your employer plan. Check the definition of disablement for any TPD cover. Check the waiting period and benefit payment period definition for salary continuance cover. This is a summary only and the complete terms and conditions are set out in the insurance policy. Once you become a member, comprehensive information on your insurance arrangements, including appropriate premium rates, is in the PDS. Automatic acceptance limit for salary continuance You can be automatically accepted for salary continuance up to a certain limit without having to undergo a medical examination. This limit, and any other conditions, will depend on your employer plan. Insurance premium paid by employer The Plum Superannuation Fund can accept premiums payable by you or your employer. This will depend on your employer plan. Voluntary cover available Voluntary cover may be available. Some exclusions may apply. Please refer to the PDS. Death benefit You may nominate your preferred beneficiary. In the event of your death, the Trustee will take this nomination into account when they decide who your benefit should be paid to, however the Trustee is not bound by your nomination. For comprehensive information on your insurance arrangements, including appropriate premium rates, please refer to the PDS. This is a summary only and the complete terms and conditions are set out in the insurance policy. Please note, the premiums payable may include a commission to Plum.

5 Voluntary contributions You are able to make before and after-tax contributions. These can be accepted via your employer, by cheque or BPAY. Automatic voluntary contribution program You may have the option to join the Escalator Program. This provides you with automatic increases to your voluntary contributions each year up to a maximum contribution rate of 15% p. a. (including your employer contributions). Member education programs Over 20 education programs are available through a range of methods including seminars, workbooks and online programs wherever you re located in Australia. Investment and administration are important components of any superannuation plan but it s not the end of the story. The range and quality of the services available to you may be just as important. Ask yourself, is the information timely, relevant, assessable and informative? With so much investment choice available, education programs can help you take control of your financial future. Online tools An interactive, passwordprotected website is available allowing you to: rebalance your investments; switch investment options and change your investment strategy; download forms; receive online member statements; access investment resources; and find out more about savings and investment strategies. The website is available 24 hours a day, seven days a week. An informative website can often make life easier by giving you access to accurate on-the-spot information. Registered to BPAY Pty Ltd ABN BPAY is also available to Plum Personal Plan members. For your spouse to make contributions on your behalf, or for your employer to make employer or salary sacrifice contributions on your behalf, simply provide them with your BPAY reference number and the relevant biller code.

6 Other member communications Six-monthly statements and newsletters. An annual report. Ask yourself, can my super fund offer me the information I need when I want it? Regular information campaigns. subscription service Mail2Me for investment and education updates. Podcasts and online video presentations. Financial advice As a member of the Plum Superannuation Fund, you have access to financial planning services*. As part of the fund s arrangements you have access to an accredited panel of financial planners. Call if you would like to speak with a telephone based financial planner who can provide general advice over the phone. You can also be put in touch with a financial planner from an accredited panel for an initial face-to-face consultation at no cost. It s important to get professional advice if you re unsure about what to do and would like to review your current strategy. The right ongoing advice could save you time, give you a greater sense of control and boost your financial growth over the long term. Make sure your financial planner is licensed and has the appropriate qualifications. Ask if there are any fees or commissions involved in getting advice and keep asking until you re satisfied. For tips and information about seeking professional advice, log on to the Australian Securities and Investment Commission website at Call centre and automated telephone service IVR Plum Member Services Consultants are available weekdays from 8.00am to 6.00pm Australian Eastern Standard Time (AEST). An automated telephone service is available 24 hours a day, seven days a week. * Telephone advice and referral services provided by GWM Adviser Services Limited (GWMAS) ABN AFSL

7 Mortgage broking service As a member of the Plum Superannuation Fund, you have access to a mortgage broking service* giving you access to a range of home loan providers. You can access the broking service by calling Spouse plan Your spouse may be able to join the Plum Superannuation Fund and pay the same administration fee as charged in your employer plan. Pension facility The fund does not offer an account based pension. As a member of the Plum Superannuation Fund, an account based pension service is available through Plum s parent company MLC. You will be able to count your Plan account balance towards the fee refund that applies in the MLC pension. If you re thinking of retiring or transitioning to retirement soon, you should seek advice regarding your income stream options. Options should you leave your employer The Plum Personal Plan is available to members, incorporating many of the features currently available in your employer fund. Benefits, if remaining, can include continuation of insurance without medicals. Eligible choice fund Yes. The fund you choose must be an eligible choice fund and must comply with superannuation law and accept superannuation payments made by employers. Any other relevant features * Mortgage broking service provided by GWM Adviser Services Limited (GWMAS) ABN This information is valid as of (insert today s date) and may be subject to change.

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