TTR refresh. Qwealth Superannuation Master Trust. 1. Member s details. 2. Account details. 1 July Client Services Phone

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1 TTR refresh Qwealth Superannuation Master Trust 1 July 2014 Oasis Fund Management Limited (Trustee) ABN: AFSL: RSE Licence: L Oasis Superannuation Master Trust (Trust) ABN: RSE Registration: R Client Services Phone Use this form to commence a new Transition to Retirement allocated pension (TTR) account by consolidating your existing TTR account and your superannuation account. Your superannuation account will remain active so that you can continue to receive and make contributions whilst drawing on your TTR. This form can also be used to re-contribute funds to your superannuation account prior to consolidation of the two accounts. If you would like to make additional contributions or are rolling funds from another fund prior to consolidating, please ensure you do so before you submit this form. If you are under 60 years of age you should complete a Tax File Number Declaration and forward it with this form. Acceptable certified identification must also be provided, if not already supplied. Please ensure you complete every section of this form to avoid any delays in establishing your account. You should read the current Product Disclosure Statement (PDS) and speak to your financial adviser before you use this form. Please complete this form in BLOCK CAPITALS using dark ink and post to Qwealth at Locked Bag 1000, Wollongong DC NSW 2500 or fax or 1. Member s details Surname: Given names: 2. Account details We are legally required to pay your minimum pension amount for the relevant portion of the financial year. If you have not yet received your minimum pension amount from the TTR account nominated below it will be paid prior to the transfer. Once the transfer is complete your TTR account will be closed. Funds used to invest in a TTR will become fully preserved regardless of their prior preservation status. It is important to note that component adjustments cannot be performed on contributions that have been rolled back to superannuation to establish a new TTR. I would like to combine the following accounts and commence a new TTR account: Existing superannuation account number: Existing TTR account number: I would also like to claim a tax deduction for personal contributions in my existing superannuation account: Yes you must complete Step 8 No do not complete Step 8 I would also like to make a recontribution on my superannuation account: Yes you must complete Step 9 No do not complete Step 9 1

2 3. Superannuation account transfer details I would like to transfer the following amount from my superannuation account to my new TTR account: Full transfer transfer all available funds from my super account (a minimum balance of $300 will be maintained) OR Partial transfer transfer an amount of $ as follows: Investment(s) to be transferred from all managed investments in proportion to their balance (default) OR Investment(s) to be transferred from the following: APIR/ASX code Investment name Amount ($ or ) Total 4. Investment instructions Use this step to copy existing investment instructions to your new TTR account. If you would like to establish new investment instructions please complete an Account alteration form or for complex instructions please use the Multi-investment instruction form. If you do not make a selection below we will transfer your existing TTR account investment instructions to your new account. Transfer my existing super account investment instructions to my new account Transfer my existing TTR account investment instructions to my new account I will provide new investment instructions 2

3 5. Pension payment details Use this step to nominate the details of your new TTR pension. Once the transfer is complete your existing TTR account will be closed. I nominate the following features for my pension: If you nominate a payment frequency of quarterly, half yearly or annually please ensure you nominate a payment date below. Payment frequency Monthly OR Quarterly OR Half yearly OR Annually Payment date You have a choice of four possible dates to receive your pension payments the 7th, 14th, 21st or 28th day of the month. Please select ONE of the options below. If you do not nominate one of these dates, your pension will be paid at the next payment date following the processing of your application. Payment to commence: 07 OR 14 OR 21 OR 28 Payment amount Please select ONE of the options below. Minimum 1 a pro-rated portion of this amount will be paid if commenced after 1 July OR Maximum 2 OR Annual amount 1 : $ a pro-rated portion of this amount will be paid if commenced after 1 July OR Specific amount per payment frequency 3 : $ (gross) 1. If the pension is commenced in June, no payment is required for that financial year. 2. The maximum amount will not be pro-rated. 3. This amount will not be pro-rated. Annual adjustment If no selection is made we will apply your nominated payment amount, subject to it meeting the minimum and maximum requirements You may choose to alter your pension amount each year by ticking one of the options below. Minimum pension OR Maximum pension OR CPI OR Percentage 6. Financial institution details Complete this section to nominate where your pension payments will be paid. Separate written confirmation or a statutory declaration is required for payments to third party bank accounts, please include your full name, account number, residential address, date of birth and your signature and include the following statement I give permission to pay my pension payments into the following third party bank account. Please make my pension payments by crediting them to: the bank account linked to my existing TTR pension account OR the following bank/credit union/building society account: Financial Institution: Branch: Account name: BSB number: Account number: 3

4 7. Reversionary pensioner and non-lapsing binding/non-binding nominations Please complete this section to nominate a reversionary pensioner to receive payments in the event of your death or to nominate a non-lapsing binding or non-binding beneficiary. I wish to nominate a reversionary pensioner on my new TTR account complete the section below OR I wish to make a non-lapsing binding or non-binding nomination on my new TTR account complete a Nomination of Beneficiaries form. Reversionary pensioner Transfer the reversionary pensioner on my existing TTR account to my new TTR account OR Establish a new reversionary pensioner by providing their details as follows (complete the section below): Nominated reversionary pensioner Surname: Given names: Date of birth: Relationship: 8. Claiming a tax deduction for personal contributions in existing superannuation account Please complete this section if you wish to claim a tax deduction on your personal contributions in your superannuation account. Amendments to personal contributions can only be made on or before the day you lodge your income tax return, or the end of the next income year, whichever occurs first. Once your funds are transferred to a pension account, you are no longer able to claim a deduction on those contributions. Do you intend to claim a tax deduction on personal contributions made during the financial year? Yes Complete the section below. No Please proceed to Step 9. Note: A tax deduction for personal contributions may only be allowed on a proportional basis where we receive a Notice of intent to claim or vary a deduction for personal super contributions after we have paid a partial withdrawal or rollover. Please see your tax adviser for independent taxation advice taking into account your individual circumstances. Contribution details You must complete this section if you intend to claim a taxation deduction for part or all of your personal superannuation contributions. Financial year ended 30 June 20 My personal contributions to the Trust covered by this notice that I will be claiming as a tax deduction $ Please note: A tax deduction for personal superannuation contributions may only be claimed by people in certain circumstances. Please refer to your tax adviser to determine if you are eligible to claim a personal tax deduction. Declaration In signing the declaration below, you should be aware that the law has changed to expand the administrative penalty provisions to include penalties for making false or misleading statements that do not result in a shortfall amount. This may include making false or misleading statements to an entity other than the ATO if the statement is required or allowed to be made under tax law, for example, a notice of intent to deduct super contributions given to a super fund. For more information about these penalties, refer to Superannuation and false or misleading statements which do not result in a shortfall amount at ato.gov.au 4

5 Intention to claim a tax deduction I am lodging this notice before both of the following dates: the day that I lodged my income tax return for the year stated above, and the end of the financial year after the year stated above. At the time of completing this notice: I intend to claim the personal contributions above as a tax deduction. I am a member of the Qwealth Superannuation Master Trust. Qwealth Superannuation Master Trust currently holds these contributions and has not begun to pay a superannuation income stream based in whole or part on these contributions. I have not included any of these contributions in an earlier valid notice. The information given on this form is correct and complete. Name of member: Member signature: Date: 9. Recontribution to your superannuation account Please only complete this step if you wish to make a full or partial withdrawal from your superannuation account and recontribute it as a non-concessional contribution. Please keep in mind contribution caps. For more information please refer to the PDS and speak to your adviser. Condition of Release Before you can recontribute funds to your superannuation account you must satisfy a condition of release. Please indicate the condition you have satisfied: Your benefit is unrestricted non-preserved (i.e. accessible) OR Your benefit is restricted non-preserved and you have left an employer who has contributed to the Trust. Recontribution details I would like to recontribute funds into my superannuation account before it is combined with my existing TTR account, as follows: Withdraw and recontribute the entire balance of my superannuation account as a non-concessional contribution back into my superannuation account OR Withdraw an amount of $ (before any applicable tax) and recontribute it back into my superannuation account as a non-concessional contribution. Withdraw the partial amount as follows: Investment(s) to be withdrawn from all managed investments in proportion to their balance (default) OR Investment(s) to be withdrawn from the following managed investments (complete section below). APIR/ASX code Investment name Amount ($ or ) Total 5

6 10. Fees and adviser details Contribution fee ± (The maximum fee is 4.4) Percentage + (0 4.4) (including GST) OR Adviser Service fee one-off ~ $ Flat dollar (including GST) Flat dollar $ (including GST) OR Percentage # (including GST) Adviser Service fee ongoing ~ * Flat dollar p.a. $ (including GST) AND/OR Percentage p.a. (including GST) OR Tiered percentage p.a. (including GST) First $250,000 Next $250,000 Next $250,000 Next $250,000 Amount over $1,000,000 ± Applies to the transferred amount. + If no amount is nominated, the maximum amount will apply. ~ If no amount is nominated, a nil amount will apply. # Applies to account balance. * The flat dollar Adviser Service fee is added to the nominated percentage Adviser Service fee at each half monthly fee collection. Fee declaration Member I confirm that the fees above have been disclosed to me, I have read and understood the section of the PDS headed `Adviser remuneration and I consent to and authorise the giving of these fees to or for the benefit of my adviser. I also confirm that the Adviser fees nominated above: 1. will be used solely for advice in relation to my interest in the Trust 2. will not be used as a part of an early release scheme, and 3. are negotiable with my adviser and can be cancelled at any time. Member s signature: Date: Fee declaration Adviser I confirm that I have specifically drawn the applicants attention to the fees above and I have explained the implications and effects of those fees for them. I also declare that the Adviser fees nominated above: 1. will be used solely for advice in relation to the member s interest in the Trust 2. will not be used as a part of an early release scheme, and 3. are reasonable and are commensurate with the type and scope of the services being provided. Adviser s signature: Date: Adviser s details Adviser company: Adviser name: Adviser code: Phone: address: 6

7 11. Declaration and authorisation If you are under 60 years of age you will need to complete a Tax File Number Declaration and forward it with this Application form. I have received and read the current Product Disclosure Statement (PDS) and undertake to observe and be bound by the disclosure contained in the current PDS and the provisions of the Trust Deed dated 24 March 2000, as amended. I consent to the collection, use, storage and disclosure of my personal information (including health information where applicable) as described in the Privacy section of the PDS and ANZ s Privacy Policy which is available by calling Client Services. If I have provided information about another person (for example a beneficiary or life insured), I declare that I have the consent of that person to do so. I understand that the Trustee requires me to inform the person concerned that I have done so and direct them to the Privacy Policy which is available by contacting Client Services. I understand that this offering is only made to persons receiving the PDS in Australia. I confirm that I am eligible to join the Trust under current legislative requirements, and that any charges and brokerage including those set out in Step 10 of this Application form have been disclosed to me. I declare that I have obtained from the website at q-wealth.com.au (or by some other means) a copy of all PDS documents relevant to my chosen investment(s) in the Trust, which I have read. When acquiring investments through the trust, I agree that I will obtain all necessary disclosure documents for the investments and any updated information either by contacting Client Services on , by at or by visiting the website at q-wealth.com.au. I understand that my access to and use of the Qwealth website is subject to my acceptance of the terms and conditions available at q-wealth.com.au and acknowledge that I can obtain confirmation of transactions on my account via this website. Terms and conditions are also available by contacting Client Services on I have read and understand the terms and conditions and I undertake to observe and be bound by them. Where I have an adviser, I authorise my adviser to transact on my behalf including transacting in listed securities, managed investments and term deposits but excludes making withdrawals, and to receive information from the Trustee on my behalf. Upon the adviser providing these instructions to the Trustee, the Trustee will act on those instructions without consulting me. I agree not to hold the Trustee responsible in any way for any transactions entered into by my adviser on my behalf. I acknowledge that an investment in the Trust is not a deposit or liability of ANZ or its related group companies and none of them stands behind or guarantees the Trustee or the capital or performance of an investment in the Trust, and that such an investment is subject to investment risk, including possible repayment delays and loss of income and principal invested. I declare that the information completed on this form is true and correct. I acknowledge that I am not aware and have no reason to suspect that my investment is derived from, related to or used to fund money laundering, terrorism financing or other similar activities and my instructions in relation to my investment will not result in ANZ or any of its related group of companies breaching any related laws or regulation in Australia or any other country. I acknowledge that the Trustee may be required to pass on my personal information or information about my investment to relevant regulatory authorities in compliance with the Anti-Money Laundering and Counter-Terrorism Finance Act 2006 (Cth) and we can delay or decline to process a transaction and report it to relevant regulatory authorities if we are required to do so under the law. You can request a paper copy of this Application form, PDS and any supplementary document from the Trustee or your adviser if this Application form is offered to you electronically (e.g. via or the Internet). The PDS and any supplementary document must be provided by the Trustee or your adviser at the same time and by the same means as this Application form. This will be provided at no extra cost to you. By signing this Application form, I the applicant, whose signature appears below, confirm that I have read and understood the above declarations. Identification requirements For all pension accounts, acceptable certified* ID must be provided at application stage if not already provided. If required please forward acceptable certified ID or a copy of a completed FSC/FPA (IFSA) identification form with this application. Pension payments cannot commence without identification requirements being met. * A certified copy means a document that has been certified as a true copy of an original document by a person authorised to make such a certification. The person making the endorsing statement must ensure all pages have been certified as true copies by writing or stamping certified true copy followed by their signature, printed name, qualification/profession, contact details and the date on the actual copy of the document. Certified copies more than three months old cannot be accepted. For more information, please see the Completing proof of identity document on our website. Member s signature: Date: 7

8 Checklist Please ensure you attach the following documents with your Application (where applicable). Certified* identification or a copy of a completed FSC/FPA (IFSA) identification form (mandatory if not previously provided) Tax File Number Declaration (mandatory if you are under 60 years) Nomination of Beneficiaries form (optional) Account alteration form (optional) Multi-Investment Instruction form (optional) Family Discount form (optional) Statutory declaration or letter of authority for third party payments (mandatory for payments to a third party) * A certified copy means a document that has been certified as a true copy of an original document by a person authorised to make such a certification. The person making the endorsing statement must ensure all pages have been certified as true copies by writing or stamping certified true copy followed by their signature, printed name, qualification/profession, contact details and the date on the actual copy of the document. Certified copies more than three months old cannot be accepted. For more information, please see the Completing proof of identity document on our website. OAQW379/0614 8

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