How super works Date of issue: 1 July 2013

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1 Phone: / Fax: An Industry SuperFund How super works Date of issue: 1 July 2013 The information in this document forms part of the Product Disclosure Statement for MTAA Super dated 1 July 2013 issued by Motor Trades Association of Australia Superannuation Fund Pty Ltd (ABN , AFSL ) of Level 3, 39 Brisbane Avenue Barton ACT 2600, the Trustee of the MTAA Superannuation Fund (ABN ). About this document This document explains: the different types of contributions you can make to your superannuation (super) savings on top of any Superannuation Guarantee (SG) contributions your employer is making for you the government s contribution limits your super benefit and when withdrawal of your benefit is possible how to claim your benefit how to make a preferred or binding nomination the legal definitions of dependants. Contributing To Super This section explains the types of contributions you can make to super, the eligibility conditions and government limits. How much does your employer need to pay? The Superannuation Guarantee legislation currently requires that employees make superannuation contributions for employees who: are 18 years of age and over (no upper age limit from 1 July 2013); work full-time, part-time or on a casual basis; and earn $450 or more (before tax) in a calendar month. Contents Contributing to Super... 1 Salary Sacrificing... 1 After-tax Contributions... 2 Spouse Contributions... 3 Eligibility to contribute to super... 4 Withdrawing your super... 4 Preserved and unpreserved benefits... 5 How to claim your benefit... 6 Nominations and Dependants... 7 Forms Notification to employer: Choice of fund... 9 Rollover form Binding death benefit nomination form Employers also have to pay super for an employee who: is under 18 years of age; earns $450 or more (before tax) in a calendar month; works 30 hours or more in a week. The amount employers must contribute is a percentage of your ordinary time earnings and is increasing each year until 2019/20 to a maximum of 12%. See table below: Year %Rate 2012/ / / / / / / /

2 Making additional contributions There are a number of ways in which you can make additional contributions to your super: before-tax or salary-sacrifice contributions personal tax-deductible contributions personal after-tax contributions the government co-contribution spouse contributions contribution splitting. Before-tax or salary-sacrifice contributions The Superannuation Guarantee (SG) contributions your employer makes for you, if you are eligible, are taxed at what is called a concessional rate of either 15 or 30 per cent when they enter the Fund. This is why these types of contributions are called concessional contributions. Please see for further information about taxation of superannuation contributions. Salary-sacrifice contributions are also concessional contributions, which may make them a very tax-effective way to contribute extra money into your super account from your before-tax salary. Salary-sacrifice contributions are made in addition to your SG contributions, and can only be arranged through an agreement with your employer. There is a limit to the amount of concessional contributions you can make. From 1 July 2013 the maximum amount of concessional contributions that can be made for you is $25,000 each financial year if you are under age 60 and $35,000 each financial year for those over age 60. The higher cap of $35,000 will be available to members over age 50 from 1 July 2014.* These limits apply per individual, not per fund. This means that contributions made to your other funds are included in the limit and additional tax will apply to contributions in excess of the limit. For example, if you are earning $40,000 a year, your SG contributions for the year will be $3,700 so any additional concessional contributions you make would need to bring the total to less than $25,000 (or $35,000 depending on your age) in order to avoid paying additional tax on excess concessional contributions. Because all concessional contributions you make count towards your limit, you need to be aware that if you or your employer make a concessional contribution towards the end of the financial year, it needs to be received by the Fund before the end of that financial year. Otherwise, you may unintentionally exceed your concessional contributions limit in the following financial year and incur additional tax on these excess concessional contributions. Your employer is required by law to disclose the total amount of your salary-sacrifice contributions on your payment summary. Personal tax-deductible contributions If less than 10 per cent of your total income (including reportable fringe benefits and reportable employer super contributions) is earned as an employee for example, you are self-employed and you are aged less than 75 years, you could qualify to make additional contributions that are tax deductible. These contributions are subject to the limits that apply to concessional contributions, as outlined above. * At the date of this publication, these concessional changes are not yet law. 2

3 Personal after-tax contributions Another way to add to your super is to make after-tax contributions, called non concessional contributions. As these contributions come from your after-tax salary, they are not taxed when entering the Fund. You can make these contributions as a regular direct debit from your savings account, as a lump sum or as a series of contributions. There are limits to the amount of non-concessional contributions you can make each financial year: a maximum of $150,000 each financial year or a maximum of $450,000 over a three-year financial period if you are under age 65. These limits apply per member, not per fund. This means that contributions made to other funds are included in the limits and additional tax will apply to contributions in excess of the limits. Please note that you can only make personal after-tax contributions if the Fund holds your tax file number (TFN). If you are making a non-concessional contribution towards the end of the financial year, you will need to ensure that the Fund receives the contribution by the end of the financial year. Otherwise, you may unintentionally exceed your non-concessional contributions limit in the following financial year (or the three-year financial period) and incur additional tax on these excess non-concessional contributions. The superannuation co-contribution The superannuation (super) co-contribution is a government initiative to help eligible individuals boost their super savings for the future. If you are a low or middle-income earner, you can take advantage of the super co-contribution payment by making eligible personal super contributions to your super fund or retirement savings account (RSA). You don t need to apply. If you re eligible, all you need to do is make personal super contributions to your super fund or retirement savings account and lodge an income tax return. For more information go to or refer to the Australian Tax Office website, Spouse contributions You can also make contributions to your spouse s super account. A tax offset of 18 per cent for spouse contributions of up to $3,000 is available if your spouse earns less than $13,800 in a financial year (including reportable fringe benefits and reportable superannuation contributions). The maximum tax offset per year that you can receive for making contributions into your spouse s account is $540. The tax offset for spouse contributions is also available for contributions made for a same-gender partner. To be eligible, your spouse must be aged less than 70 years, and must meet a work test if they are over the age of 65 (see Eligibility to contribute to super on page 4). Any contributions you make for your spouse will count towards their non-concessional contribution limit (not yours) and cannot be accepted if the Fund does not hold the spouse s tax file number. If your spouse is not a member of MTAA Super and wants to join the Fund, they need to complete and return a Membership application form, which is available on the MTAA Super website at For a legal definition of spouse, please see page 8. 3

4 Other contributions There are other amounts that can be paid into your super fund: certain proceeds from the disposal of qualifying small business assets the proceeds of certain compensation payments in respect of a permanently disabling personal injury, if contributed to the Fund within 90 days of receipt of the payment. The rules that apply in these cases are complex, so if you are considering paying any of these amounts into the Fund, we recommend that you obtain professional financial advice. Contact MTAA Super on for more information. Eligibility to contribute to super Depending on your age, there are eligibility requirements for making contributions to your super. If you are: Aged under 65 years. Personal contributions can be accepted, regardless of your employment status. Aged 65 to 74 years. Personal contributions can be accepted if you have been gainfully employed for at least 40 hours in a period of not more than 30 consecutive days during the financial year in question. Aged 75 and over. Personal contributions cannot be accepted. Spouse contributions. These can only be accepted if the spouse is aged less than 70 years and if the spouse is over 65, and meets the work test. Personal contributions include contributions for which a tax deduction cannot be claimed (non-concessional contributions) and tax-deductible personal contributions and salary-sacrifice contributions (concessional contributions). If MTAA Super does not hold your tax file number it cannot accept non-concessional contributions by you or on your behalf, and concessional contributions will be subject to additional tax. MTAA Super cannot accept contributions if the eligibility criteria are not met and is required to refund contributions once it becomes aware that the criteria have not been met. Any refund may be adjusted for investment fluctuations, administrative fees and insurance premiums. Withdrawing your super benefit This section explains your superannuation (super) benefit and when withdrawal of your benefit is possible. Super is a long-term investment and is subject to strict government restrictions on when you can gain access to your savings. There are certain times when you are able to withdraw or gain access to your superannuation account balance and other benefits. Preserved and unpreserved benefits If you have super that was accumulated before 1 July 1999, some of it could be unpreserved super. These unpreserved benefits can be accessed before retirement in certain circumstances. 4

5 However, all contributions made by or on behalf of a member on or after 1 July 1999 and all earnings credited to a member s account from that date are designated by the government as preserved. These preserved benefits can only be accessed in the following circumstances: when you reach preservation age and permanently retire from the workforce* when you reach preservation age and wish to start up a Transition to Retirement Pension* when you reach age 60 and cease an employment arrangement* when you reach age 65, whether you have retired from the workforce or not* if you become permanently incapacitated if you have a terminal medical condition as certified by two registered medical practitioners, at least one of whom is a specialist in relation to that medical condition if you experience severe financial hardship, as determined against conditions established by the industry regulator. Please note that to qualify for severe financial hardship relief, you must have received Centrelink benefits for 26 consecutive weeks.* if you meet specific compassionate grounds, as determined by the industry regulator. This can include the need to pay palliative care or funeral costs or make a mortgage payment in order to prevent foreclosure or forced sale of your principal place of residence* if you qualify for a departing Australia superannuation payment, where you were working in Australia on a temporary resident s visa, the visa has expired and you have left the country. *These conditions do not apply to temporary residents. Please note that monies may also be released from your account balance in other limited circumstances where permitted under superannuation legislation for example, on presentation of an Australian Taxation Office release authority to MTAA Super or if we receive an unclaimed money notice from the Australian Taxation Office in respect of a former temporary resident. Preservation age The government sets a minimum age, known as a preservation age, when you can gain access to your super benefit by withdrawing it, subject to the conditions outlined above. As outlined in the following table, preservation age changes according to the year in which you were born. Date of Birth Before 1 July 1960 Preservation Age 55 years 1 July 1960 to 30 June years 1 July 1961 to 30 June years 1 July 1962 to 30 June years 1 July 1963 to 30 June years After 30 June years There is no legal requirement to withdraw your benefit. You do not have to withdraw your benefit even when you retire completely and are over 65 you can retain your membership of MTAA Super and your accumulation account balance can continue to be invested on your behalf. 5

6 If you decide to roll over your super If you decide to transfer (roll over) your super to another fund you can complete an MTAA Super rollover form. Additional information will be required in the case of transfers to self-managed funds. See page 11 for the rollover form. Conditions apply to when a transfer of your benefit to another superannuation fund can be completed. For more information contact us on How to claim your benefit To make a benefit claim contact us on and ask for a claim form. You will need to provide information and other evidence to support your claim. When any benefit is paid from the Fund, it must by law comprise both tax-free and taxable components (if your lump sum contains both of these components) in the same proportions as the tax-free and taxable components of your total benefit. You cannot nominate to withdraw specific components of your benefit. The Trustee is also required to carry out a proof of identity check before paying a benefit. The requirement arises under the government s anti-money laundering and counterterrorism financing legislation. If any further information is required from you to enable a benefit to be paid you will be notified. If you do not provide the required proof of identity information, the Trustee may be required to delay or refuse the benefit payment. You may also be asked for proof of identity information at other times. What will my benefit payment consist of? The benefit payment will consist of the balance of your MTAA Super account and the proceeds received by the Trustee of any insurance benefits to which you might be entitled and the insurer approves if you die, become totally and permanently disabled or are terminally ill. If you become totally and permanently disabled, as defined in the Insurance Guide at you can claim the balance in your MTAA Super account and any insured TPD benefit to which you are entitled (once received by the Trustee). If you become terminally ill, as defined in the Insurance Guide at you will be paid the higher of your cover for Death or Total and Permanent Disablement at the time of becoming terminally ill. You may also claim the balance of your MTAA Super account. To be eligible for a Terminal Illness Benefit, a member must complete and return the required claim forms. In the event of your death Once we are notified of a death, it is our policy to invest the deceased member s account balance (including any insurance proceeds) in the Cash Option. The purpose of this is to ensure that the value of your account is not adversely affected by short-term market fluctuations, while the beneficiaries of your death benefit are being determined. 6

7 Nominations and Dependants This section explains how to make a preferred or binding death benefit nomination and includes the definition of dependant. Nominating preferred beneficiaries to receive your benefit Your death benefit is payable to your dependant (or dependants) or your legal personal representative. You can nominate the person or people to whom you would prefer the Trustee to pay the benefit in the event of your death, and you can change your nomination at any time online via your Member SuperSite account or by writing to us. The Trustee considers your nomination, plus any other available information, when determining the distribution of a benefit. However, the Trustee has a legal responsibility to identify all dependants who might be entitled to receive all or part of the death benefit, and this might mean that all or part of your benefit is not paid to your nominated beneficiary. The final decision about the distribution of the death benefit rests with the Trustee. Making a binding death benefit nomination If you make a binding death benefit nomination, the Trustee must pay the benefit to the dependant (or dependants) or the legal personal representative you nominate, provided that the nomination is valid at the time of your death. Binding death benefit nominations expire, and must be updated every three years, so make sure you keep the nomination valid at all times. There is no charge for a binding death nomination. Further information about how to make a binding death benefit nomination is detailed in the Binding death benefit nomination form on page 13. 7

8 Who is a dependant? A dependant means a person s spouse, a child of the person, someone who has an interdependent relationship with the person, or anyone who is wholly or partly financially dependent on the person at the time of the person s death. The spouse of a person also includes: another person (whether of the same or a different gender) who, although not legally married to the person, lives with the person on a genuine domestic basis in a relationship as a couple another person (whether of the same or a different gender) with whom the person is in a relationship that has been registered under a state or territory law dealing with the registration of certain prescribed relationships for example, a registered relationship under the Victorian Relationships Act 2008, a significant relationship under the Tasmanian Relationships Act 2003 and a civil partnership under the ACT Civil Partnerships Act A child of a person includes: an adopted child, a stepchild or an ex-nuptial child of the person a child of the person s spouse someone who is a child of the person within the meaning of the Commonwealth Family Law Act 1975, including a child born as a result of an artificial conception procedure or as a result of a surrogacy arrangement. An interdependant is a person the member has an interdependent relationship with. An interdependent relationship applies if two people satisfy all of the following conditions: have a close personal relationship, live together, and one or each of them provides the other with financial and domestic support and personal care. A relationship of interdependency will also be found to exist if the parties can establish that they have a close personal relationship but they cannot satisfy the other two conditions because one or both of them suffers from a physical, intellectual or psychiatric disability. This can apply when one person is disabled and lives in an institution but was nevertheless interdependent with the deceased person. A close personal relationship is defined as a relationship that involves a demonstrated and continuing commitment to the emotional support and wellbeing of the two parties. Indicators can be the duration of the relationship, the degree of mutual commitment to a shared life, and the reputation and public aspects of the relationship (such as whether the relationship has been publicly acknowledged). People who share accommodation for convenience or who provide care as part of an employment relationship or on behalf of a charity do not meet the definition of a close personal relationship. Need more information? Contact us on and we will arrange for a member of the Financial Education Advice Team (FEAT) to speak to you. The information provided in this document is general only and does not take into account your personal financial situation or needs. You should therefore consider obtaining financial advice that is tailored to your personal circumstances from a licensed financial adviser. 8

9 Notification to employer: Choice of fund If you want your superannuation to be paid into MTAA Super please provide this completed and signed form to your employer. It will contain all the information your employer needs to administer your choice, and you can use it instead of the Standard choice form given to you by your employer. Please use capital letters. I request that all my future superannuation guarantee contributions be made to the MTAA Superannuation Fund. Employee name Employee number (if known) Date / / Signature Return this form to your employer. Do not send this to the Tax Office or to your superannuation fund. Your chosen fund MTAA Super is an eligible choice fund. Fund Name MTAA Superannuation Fund Fund (ABN) Unique superannuation identifier MTA0100AU Telephone Website My MTAA Super membership number is: (if you are already a member) MTAA Super provides flexible payment options for employers Electronic funds transfer POSTbillpay BPAY Cheque Direct debit You can transfer contributions electronically from your nominated business bank account directly into the Fund s account for the contribution options. You can use POSTbillpay to make super contributions for all the contribution options. Just take your contribution return and payment to an Australia Post branch and pay by cash, cheque or debit card. You can use BPAY for all the contribution options if your financial institution has this facility. You can make direct payments for all the contribution options by posting a cheque to MTAA Super. A contribution return or remittance must be received with the payment. Note that all cheques should be made payable to Motor Trades Association of Australia Superannuation Fund. Direct debit is available for the online SuperSite contribution option. This payment method means you authorise the exact amount to be deducted from your account each month. 9

10 Statement of compliance: MTAA Superannuation Fund Motor Trades Association of Australia Superannuation Fund Pty Ltd is the Trustee of the MTAA Superannuation Fund (Fund). 1. The Fund is a resident regulated superannuation fund within the meaning of the Superannuation Industry (Supervision) Act The Fund is not subject to a direction under section 63 of the Superannuation Industry (Supervision) Act 1993 directing the Trustee not to accept any contributions made to the Fund by an employer-sponsor. 3. Subject to any restrictions in the Superannuation Industry (Supervision) Act 1993 on the acceptance by superannuation funds of certain superannuation contributions, the Fund will accept superannuation contributions made by an employer for the benefit of an employee. An Industry SuperFund Telephone Fax Web Postal Address Locked Bag 15, Haymarket NSW 1236 Trustee: Motor Trades Association of Australia Superannuation Fund Pty Ltd ABN AFSL MTAA Superannuation Fund ABN USI MTA0100AU 10

11 Rollover form Authorisation to rollover the whole balance of superannuation benefits into MTAA Super Please complete this application using capital letters, and post the original either to your FROM fund or to MTAA Super. If you have more than one account to roll in please contact MTAA Super for additional forms, or simply photocopy this one. Each application must have your original signature on it. Section A Personal details MTAA Super membership number Title Miss Ms Mrs Mr Other (please specify) Given name(s) Family name Gender Male Female Contact phone number Other/previous names Date of birth / / Tax file number / / Under the Superannuation Industry (Supervision) Act 1993, you are not obliged to disclose your tax file number, but there may be tax consequences. See the document How Super is Taxed at Section B Residential address Current address Address Suburb State/Territory Postcode Previous address If you know that the address held by your from fund is different from your current residential address, please give details below. Address Suburb State/Territory Postcode Section C FROM fund details This is the fund you are moving out of. If you have multiple account numbers with this fund, you must complete a separate form for each account you wish to transfer. Fund name Fund member number Fund address State/Territory Postcode Fund phone number Australian Business Number (ABN) Unique superannuation identifier (USI) Section D TO fund details Fund name MTAA Superannuation Fund Fund phone number Fund address MTAA Super, Locked Bag 15, Haymarket NSW 1236 Australian Business Number (ABN) USI MTA0100AU 11

12 Section E Authorisation By signing this request form I am making the following statements: n I declare I have fully read this form and the information completed is true and correct. n I am aware I may ask my superannuation provider for information about any fees or charges that may apply, or any other information about the effect this transfer may have on my benefits, and do not require any further information. n I consent to my tax file number being disclosed for the purposes of consolidating my account and validating my details with the ATO. n I discharge the superannuation provider of my FROM fund of all further liability in respect of the benefits paid and transferred to MTAA Super. n I authorise my FROM superannuation fund to release information relating to this rollover to MTAA Super. n I request and consent to the transfer of superannuation as described above and authorise the superannuation provider of each fund to give effect to this transfer. Name Signature Date / / Cheque to be made payable to: MTAA Superannuation Fund MTAA Super USI: MTA0100AU. An Industry SuperFund Telephone Fax Web Postal Address Locked Bag 15, Haymarket NSW 1236 Trustee: Motor Trades Association of Australia Superannuation Fund Pty Ltd ABN AFSL MTAA Superannuation Fund ABN USI MTA0100AU 12

13 Binding death benefit nomination form Complete this form if you want to make, change or cancel a binding death benefit nomination in the MTAA Superannuation Fund. Please read the important information on the next page before completing the form, and call MTAA Super on if you have any questions. Section A Member details MTAA Super membership number (if known) Date of birth / / Title Miss Ms Mrs Mr Other (please specify) Given name(s) Family name Telephone (home) Telephone (work) Telephone (mobile) Postal address Suburb State/Territory Postcode This nomination applies to my Super account Pension account Super and pension account I want to: Make Change Cancel a binding nomination (see overleaf for details). Section B Beneficiary details Your nominated beneficiary (or beneficiaries) must be your spouse, your child, a financial dependant, an interdependant or your legal personal representative. See the next page for details. If you wish to nominate your spouse, child, financial dependant or an interdependant complete the details below: Name % of Benefit Relationship* Postal address Total 100% *Please insert either spouse, child, financial dependant or interdependant. OR If you wish to nominate your estate, tick the box below and specify % of benefit. Legal personal representative Section C Member declaration % of benefit I understand the following: n My beneficiary (or beneficiaries) must be my spouse, my child, a financial dependant, an interdependant or my legal personal representative at the time of my death. n My beneficiary (or beneficiaries) and I will be bound by the provisions of MTAA Super s Trust Deed relating to binding death benefit nominations. n This binding nomination is only valid for three years from the date it was first signed and dated (provided it is subsequently accepted by MTAA Super) or any confirmation or amendment of it. n I may at any time cancel or change a binding nomination notice in accordance with MTAA Super s procedures. n If, at the time of death, a notice is invalid or has not been accepted by the Trustee, the death benefit will be determined by the Trustee at its discretion. n This declaration must be signed by me in the presence of two witnesses who are not nominees on this form and who are over 18. n I have read the notes on the reverse of this form setting out the terms upon which this nomination is made, and I understand that these terms are consistent with MTAA Super s Trust Deed and that I may request a copy of the deed if I wish. Member signature Date / / Section D Witness declaration I declare that I am over the age of 18 years, that I am not a beneficiary nominated on this form and that the member signed this binding nomination in my presence. Signature of witness Date / / Print name Date of birth / / Note that the witness must sign on the same date as the member. Signature of witness 2 Date / / Print name Date of birth / / Note that the witness must sign on the same date as the member. 13

14 Important information What is a binding nomination? In order to provide greater certainty about who receives your superannuation benefit if you die, a binding nomination requires that the Trustee of MTAA Super pays your benefit to the person or persons you have nominated. Note: your nomination may have taxation implications. Tax applies to death benefits paid to non-dependants (as defined in the tax laws). A non-dependant for taxation purposes includes a child aged 18 or more (unless financially dependant or interdependent). For more information about tax applicable to death benefits see the MTAA Super Member Product Disclosure Statement. Who can be nominated? The person or persons you nominate must be one or more of: your current spouse your children an interdependent person any person who is financially dependent on you at the time of your death your legal personal representative, which means the executor or administrator of your estate. These terms are defined on page 8. It is important to note that, at the time of your death, a nominated beneficiary must be alive and fall within one or more of the categories just listed. What is a valid binding nomination? To be valid, a binding nomination must: be made in writing using the form on the previous page clearly show the name of the person and their relationship to you, showing that they are allowed to be nominated in a binding nomination (as outlined above) include the percentage of the benefit to be paid to each nominated beneficiary, with the total adding to 100 per cent be signed and dated by you in the presence of two witnesses, both of whom are over the age of 18 years and are not beneficiaries named in the form be received and accepted by MTAA Super. How long is a binding nomination valid? A binding nomination is valid for three years from the day it is signed and dated (provided it is accepted by MTAA Super), so long as you have not cancelled it or changed it. If you have changed it the changes will be valid for three years from the day they are signed. If your nomination is valid at the time of your death and the proportion of the benefit to be paid to nominated beneficiaries is certain and readily ascertainable from the nomination, we must pay the benefit in accordance with your nomination. It is therefore very important that you update your nomination if your circumstances change. For example, if you had a child after your last nomination was made and the nomination has not expired or been changed to include that child, the child would not receive any part of the benefit. Can my nomination become invalid There are several circumstances in which your nomination becomes invalid: if any nominated beneficiary has predeceased you if a nominated beneficiary ceases to meet the criteria of a person able to be a nominated beneficiary if three years have passed since the nomination was made if the distribution of your benefit is subject to a court order. How do I make, change or cancel a nomination? If you want to make, change or cancel your nomination, you must do the following: Make a nomination. On the nomination form tick the box marked Make, complete Section B, sign and date Section C, have it witnessed by two people at Section D and then send the form to MTAA Super Changing an existing nomination. On the nomination form tick the box marked Change an existing nomination, then complete Section B, providing the name of the person or persons you want to have as your nominated beneficiary or beneficiaries. The form must be signed and dated at Section C, witnessed and dated at Section D, and then sent to MTAA Super. Once accepted, this will replace your previous nomination and will last for three years from the day it is signed and dated (provided it is subsequently sent to MTAA Super), or until you change or cancel it. Cancelling a nomination. On the nomination form tick the box marked Cancel an existing nomination and in Section B write Cancel previous nomination in the space provided for the names of any beneficiaries. You must sign and date the form, have it witnessed by two people at Section D, and then send it to MTAA Super. Note that if you cancel a binding nomination, your death benefit will be distributed at the Trustee s discretion but will generally go to your dependant(s) or your legal personal representative. What happens if my nomination becomes invalid? If at the time you die your nomination is invalid or you have cancelled it, the Trustee will pay the benefit as if you had never made a binding nomination. The Trustee would then decide who is to receive your benefit after considering all potential beneficiaries in accordance with the Trust Deed and superannuation legislation. Keeping you informed We will write to you to confirm your new, changed or cancelled binding nomination. The details of any binding nomination will also appear on your annual statement, and before your nomination expires we will write to you seeking your instructions. Binding death benefit nomination forms are available online at or by calling MTAA Super on Privacy With the binding death benefit nomination form MTAA Super collects only information that is essential for the administration of your nomination. MTAA Super will not use the information about you or your witnesses for any other purpose or pass it to any other organisation without your express permission. You should consider consulting your legal adviser before making or cancelling a binding death benefit nomination. Where do I send this form? Send your form to MTAA Super Administration, Locked Bag 15, Haymarket NSW An Industry SuperFund Telephone Fax Web Postal Address Locked Bag 15, Haymarket NSW 1236 Trustee: Motor Trades Association of Australia Superannuation Fund Pty Ltd ABN AFSL MTAA Superannuation Fund ABN USI MTA0100AU 14

15 This page is intentionally left blank. 15

16 An Industry SuperFund Telephone Fax Web Postal Address Locked Bag 15, Haymarket NSW 1236 State offices Sydney Level 5, 477 Pitt Street, Sydney NSW 2000 Melbourne Level 2, Casselden Place, 2 Lonsdale Street, Melbourne VIC 3000 Canberra Level 2, 11 London Circuit, Canberra ACT 2600 Perth Level 2, 12 St Georges Terrace, Perth WA 6000 Adelaide Level 2, 104 Frome Street, Adelaide SA 5000 Brisbane Level 10, 120 Edward Street, Brisbane QLD 4000 Hobart Ground Floor, 119 Macquarie Street, Hobart TAS 7000 Trustee: Motor Trades Association of Australia Superannuation Fund Pty Ltd ABN AFSL MTAA Superannuation Fund ABN USI MTA0100AU /13

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