Nestlé Australia Group Superannuation Fund

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1 Nestlé Australia Group Superannuation Fund Information about your super Greg Hughes - Russell Investments What we are going to talk about today.. How to find out more about your super In particular: Your annual statement Your website Where to get more information: Nestlé Super hotline: Nestlé Super website: 2 1

2 Information about your Super Product Disclosure Statement 3 Information about your Super Product Disclosure Statement Guide to Member Investment Choice 4 2

3 Information about your Super Product Disclosure Statement Guide to Member Investment Choice Features and benefits overview 5 Information about your Super Product Disclosure Statement Guide to Member Investment Choice Features and benefits overview Super News Update Twice a year 6 3

4 Information about your Super Product Disclosure Statement Guide to Member Investment Choice Features and benefits overview Super News Update Annual Report 7 Information about your Super Product Disclosure Statement Guide to Member Investment Choice Features and benefits overview Super News Update Annual Report Annual Statement 8 4

5 Information about your Super Product Disclosure Statement Guide to Member Investment Choice Features and benefits overview Super News Update Annual Report Annual Statement Website

6 Your personal details 1 Date of birth Date commenced eligible employment Date joined fund Member number Tax File Number recorded Investment option at 31 December 2008: Nestlé Conservative Nestlé Growth Nestlé High Growth 11 Your personal details 1 Fund Salary at 1 January 2009 Special Account contribution rate Minimum 3% (if contributed to NAGSF^) Full-time employment Accrued core benefit multiple 8.33% x years and completed months of fund membership Final average salary Average of your annual Fund salary in the 36 months prior to leaving employment with Nestlé ^ 0% if contributed to another fund 12 6

7 Account balances 2 Retirement account Employer contribution of 7.84%* Special account Minimum 3% (if contributed to NAGSF^) Additional employer account Contributions (if required) under Ordinary Times Earnings (OTE) Incentive payments e.g. bonus Regular allowances e.g. shift, car allowance Rollover account Transfers from other superannuation funds Savings account Voluntary contributions (before or after-tax) Surcharge account 13 * Net contributions = 6.67% ^ 0% if contributed to another fund Account balances 2 Balance as at 01 January 2008 Opening account balance Contributions Contributions made to each respective account 14 7

8 Transaction statement 3 15 Date Description Amount Savings Account Salary Sacrifice Contribution 31/01/2008 Savings Account Salary Sacrifice Contribution $ /02/2008 Savings Account Salary Sacrifice Contribution $ /03/2008 Savings Account Salary Sacrifice Contribution $ /04/2008 Savings Account Salary Sacrifice Contribution $ /05/2008 Savings Account Salary Sacrifice Contribution $ /06/2008 Savings Account Salary Sacrifice Contribution $ /07/2008 Savings Account Salary Sacrifice Contribution $ /08/2008 Savings Account Salary Sacrifice Contribution $ /09/2008 Savings Account Salary Sacrifice Contribution $ /10/2008 Savings Account Salary Sacrifice Contribution $ /11/2008 Savings Account Salary Sacrifice Contribution $ /12/2008 Savings Account Salary Sacrifice Contribution $ Savings Account Contribution Tax Total $2, /01/2008 Savings Account Contribution Tax -$ /02/2008 Savings Account Contribution Tax -$ /03/2008 Savings Account Contribution Tax -$ /04/2008 Savings Account Contribution Tax -$ /05/2008 Savings Account Contribution Tax -$ /06/2008 Savings Account Contribution Tax -$ /07/2008 Savings Account Contribution Tax -$ /08/2008 Savings Account Contribution Tax -$ /09/2008 Savings Account Contribution Tax -$36.75 Account balances 2 Balance as at 01 January 2008 Opening account balance Contributions Contributions made to each respective account Investment earnings Dependant on investment option Insurance premiums Payable on optional extra insurance Expenses $2 per week, withdrawal and termination fee ($85) 16 8

9 Account balances 2 Tax on contributions 15% contributions tax - additional employer account, savings account (only salary sacrifice contributions), special account Contributions splits Up to 85% of eligible accounts Balance as at 31 December 2008 Closing account balance 17 On leaving Nestlé Super 4 Retirement Benefit applies to Defined Benefit members: Over age 55, and, 5+ years of continuous service Your Retirement Benefit at 31 December 2008 was the total of: The Greater of: Your Retirement Account Your Core Benefit ( x $54, $0.00) $ 76, , $ 79,

10 On leaving Nestlé Super 4 Retirement Benefit applies to Defined Benefit members: Over age 55, and, 5+ years of continuous service Your Retirement Benefit at 31 December 2008 was the total of: The Greater of: Your Retirement Account Your Core Benefit ( x $54, $0.00) Your Savings Account Your Rollover Account Your Special Account Your Additional Employer Account Less Your Surcharge Account Total Benefit at 31 December 2008 $ 76, , $ 79, , , , $116, By comparison, your Retirement Benefit at 31 December 2007 was: $133, On leaving Nestlé Super 4 Leaving service benefit applies to Defined Benefit members: under age 55, or, over age 55 with less than 5 years continuous service Your Leaving Service Benefit at 31 December 2008 was: $112, By comparison your Leaving Service Benefit at 31 December 2007 was: $133,

11 Preservation 5 Your Benefit on leaving Nestlé Super consists of the following components: Preserved Component Restricted Non-Preserved Component Unrestricted Non-Preserved Component $105, $11, $ Death benefit 6 Your Death Benefit at 31 December 2008 was $196, The insured component included in this amount is $79, Your Death Benefit (Defined Benefit members) The greater of: a. Standard lump sum, or, b. Your retirement account Standard lump sum = 2 year s Fund Salary + 1 month s fund salary for each year from date of death until 65 th birthday 22 11

12 Death benefit 6 Your Death Benefit at 31 December 2008 was $196, The insured component included in this amount is $79, Your Death Benefit (Defined Benefit members) The greater of: a. Standard lump sum, or, b. Your retirement account + Your Savings Account + Your Rollover Account + Additional Employer Account + Special Account - Your Surcharge Account 23 Disability benefits 7 Your Total and Permanent Disablement Benefit at 31 December 2008 was $196, The insured component included in this amount is $79, Calculated the same way as your Death Benefit

13 Income Total Disablement Benefit 8 Your Income Total Disablement Benefit at 31 December 2008 was $2,940 per month. Your Income Total Disablement Benefit 60% of your Fund salary refer to Product Disclosure Statement 25 Nominated dependants 9 The following dependants have been nominated by you and recorded by the Trustee for consideration for the payment of any Death benefit: Name MR NESTLE SPOUSE Percentage 100% You have not chosen to make a binding death benefit nomination

14 Management costs 10 Other Management Costs This approximate amount has been deducted from your investment and includes all the other management costs that were not paid directly out of your account: Defined Benefit (Growth Option) Nestlé Growth Option (Eligible Accounts) Total Other Management Costs: $ $ $1, Total Fees you paid This approximate amount includes all the fees and costs which affected your investments during the period. It includes the Other Management Costs shown above. Total fees you paid: $1,

15 Need help? General advice Russell Connect Personal advice Adviser Referral Program Nestlé Super Hotline: Website: 29 Advice Warning and Disclaimer Issued by Russell Financial Solutions Pty Ltd ( RFS ), ABN , AFSL This presentation provides general information only and does not have regard to your objectives, financial situation or needs. Before making an investment decision, you need to consider whether this information is appropriate to your objectives, financial situation and needs. The information has been compiled from sources considered to be reliable, but is not guaranteed. Past performance is not a reliable indicator of future performance. Any examples have been included for demonstrational purposes only and should not be relied upon for the purpose of making an investment decision. You should consider the latest Product Disclosure Statement in deciding whether to acquire, or to continue to hold, an investment in the Nestlé Australia Group Superannuation Fund. You can contact Russell Financial Services on

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