Accumulation 1. Inside. Product Disclosure Statement issued 22 July 2013 by UniSuper Limited ABN

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1 Accumulation 1 Product Disclosure Statement issued 22 July 2013 by UniSuper Limited ABN Inside 1. About UniSuper 2. How super works 3. Benefits of investing with UniSuper 4. Risks of super 5. How we invest your money 6. Fees and costs 7. How super is taxed 8. Insurance in your super 9. How to open an account Dale Teasel, The University of Sydney

2 About this Product Disclosure Statement (PDS) This PDS is a summary of significant information that contains a number of references to important information booklets (each of which forms part of the PDS). You should consider that information before making a decision about this product. The information provided in this PDS is general information only and does not take account of your personal financial situation or needs. If you would like personal advice you should obtain financial advice tailored to your personal circumstances before making a decision about this product. If you would like to request a paper copy (free of charge) of this PDS or any of the important information that is referred to, please call us on or order a paper copy from In this PDS UniSuper is referred to as UniSuper or the Fund, ABN UniSuper Limited is referred to as UniSuper or the Trustee, ABN UniSuper Management Pty Ltd is referred to as USM, ABN , AFSL No The Trustee has delegated administration of the Fund to USM, which is wholly owned by UniSuper in its capacity as Trustee of the Fund. USM s AFSL (No ) authorises it to deal in financial products and to provide financial product advice to members through UniSuper Advice. 1. About UniSuper UniSuper is the industry super fund dedicated to people who work in the higher education and research sector. Our commitment to our members is to provide competitive and high-quality retirement saving products and services, as well as a range of investment options. UniSuper s membership categories include Accumulation 1, Accumulation 2, Defined Benefit Division, Spouse Account and pensions. This PDS is for Accumulation 1 members. One of Australia s largest and most respected super funds Established in 1983, we have more than $30 billion in funds under management and over 450,000 members. As a large fund, we re able to provide you with competitive fees and products to help you achieve a greater retirement outcome. SuperRatings, an independently owned superannuation research company, has awarded UniSuper a Platinum rating for its Accumulation product. Go to for details of its rating criteria. SuperRatings does not issue, sell, guarantee or underwrite this product. 2. How super works Superannuation (super) is a way to save for your retirement which is, in part, compulsory. It is a long-term investment. Contributions There are different types of contributions available to you, for example, employer contributions, voluntary member contributions and government co-contributions. There are limits, called contribution caps, on how much you can contribute to your super each financial year and still receive concessional tax treatment. It is your responsibility to monitor the contributions made into your UniSuper account, and to any accounts you may hold in other super funds, to ensure that you don t exceed the caps. Refer to Section 7, How super is taxed, for further information. Accessing your super There are restrictions on withdrawing your money from super funds. You usually can t access your super until you are aged between 55 and 60 and retired, but there are some special circumstances where you can withdraw it earlier than this. Tax savings through super Super may be a tax-effective way to save for retirement because of the tax concessions (favourable tax treatment) provided by the government. 2 Choosing a super fund Most people can choose which super fund they d like their Super Guarantee (employer) contributions paid into, but in some cases your super fund may be determined by the terms of your employment. If you don t have a choice about your super fund or don t tell your employer where to pay your super, they will put it into a super fund that they ve chosen. The important information booklet How super works explains in more detail the types of contributions you can make to UniSuper (and how you can make each of these), contributions caps, when you can access your super (including by transfer to another fund), withdrawals (including death benefit nominations and to whom your death benefit can be paid) and choice of fund. You should read the important information booklet How super works before making a decision. Go to The material in How super works may change between the time when you read this PDS and the day when you acquire the product.

3 Benefits of investing with UniSuper When you become an Accumulation 1 member, your super is held in an account in your name. Your account is made up of the contributions and rollovers made to that account, as well as any investment returns (which could be positive or negative), less fees and costs, insurance premiums (if applicable) and taxes. Generally, you will receive benefits on retirement, leaving your employer, if you become totally and permanently disabled or Unisuper features and benefits A record of strong long-term investment returns Value for money A comprehensive range of products and services Insurance options to look after you and your family if you die or suffer from a terminal illness. You may also be eligible for regular monthly payments if you qualify for UniSuper Income Protection cover. Your final Accumulation 1 benefit will be your final account balance plus any insurance proceeds. Refer to section 8, Insurance in your super for details of when insurance is payable. We re proud to have achieved returns that have regularly exceeded certain industry benchmarks and averages. Of course, the value of investments can rise and fall and past performance should not be relied upon as an indicator of future performance. Our administration fees are kept at competitive levels and we do not pay commissions to our financial advisers. Whatever your financial situation, career stage or savings goals, we have a lifetime worth of super products, from UniSuper spouse accounts to a range of pension options. Make sure you consider the relevant PDS before making a decision. Access to Death, Total & Permanent Disablement and Income Protection insurance cover on competitive terms. 4. Risks of super All investments, including super, have some level of risk. Different strategies may carry different levels of risk, depending on the assets that make up the strategy. Those assets with the highest potential return over the longer term (such as equities) may also have the highest risk of losing money in the shorter term. Investment risks associated with Accumulation 1 include the risk of negative returns from a specific investment, risk of underperformance by an investment manager, market risks, risks associated with poor performance by investments in particular markets or countries, currency risk (note, the Trustee has discretion to determine the extent to which different currencies are hedged), credit risk, inflation risk, liquidity risk and risks associated with the use of derivatives. Other risks include potential changes to legislation and taxes that may apply in the future, the risk that events beyond our control may impact the administration of UniSuper including the ability to process transactions, and the risk that UniSuper s Trust Deed or fees and costs may change. There is also a risk that UniSuper may discontinue a particular investment option in the future or make changes to the investment strategy of an option. (We would give you advance notification if any investment options were to be discontinued.) When considering your investment in super, it s important to understand that: The value of investments will vary and go up and down. The level of investment returns will vary and future returns may differ from past returns. Investment returns are not guaranteed and you may lose some of your money. Super laws may change in the future. Your future savings (including contributions and returns) may not be enough to provide adequately for your retirement. The appropriate level of risk for you will depend on a range of factors including your age, your investment time-frame, where other parts of your wealth are invested and your personal risk tolerance. The important information booklet about Risks of super explains in more detail these (and other) significant risks of super. Financial advice from a company you know With UniSuper Advice, you benefit from the knowledge our advisers have of super and broader investment products. You should read the important information booklet Risks of super before making a decision. Go to The material in Risks of super may change between the time when you read this PDS and the day when you acquire the product.

4 How we invest your money Our investment options Accumulation 1 members have 15 investment options to choose from. Pre-Mixed menu: a range of six diversified investment options, each with its own mix of asset classes, performance objectives and risk profile. Capital Stable Conservative Balanced Balanced Socially Responsible Balanced* Growth High Growth Sector menu: consists of nine investment options which mainly invest in a particular asset class. Create your own asset mix by choosing how much you want invested in each option. Sector investment options are less diversified and are not intended to be used in isolation. Cash Australian Bond Listed Property Australian Shares International Shares Socially Responsible High Growth* Global Environmental Opportunities Australian Equity Income Global Companies in Asia Default investment option If you don t select a future contributions strategy, or if we receive contributions before UniSuper receives your application, your contributions and rollovers will automatically be invested in UniSuper s default investment option which is the Balanced option. Changing your investment options You can switch your existing account balance between investment options (on a weekly basis) or change your future contributions or rollover strategy (at any time) by logging in to MemberOnline, or by completing an Investment choice form, which is available on our website and on request from our Helpline. A switching fee may apply. You must consider the likely investment return, the risk and your investment time frame when choosing an investment option in which to invest. The investment objectives and strategic asset allocations for our investment options may change from time-to-time. You will be notified of any materially adverse changes. Other changes to our investment objectives and strategic asset allocations will be published on our website. The investment objective is not a prediction or promise of any particular return. Investment details for our default investment option the Balanced option Description of option/ Type of investor Investment return objective Strategic asset allocation and ranges* Minimum suggested time frame for investment Expected frequency of negative annual return Summary risk level Invests in a diversified portfolio, comprising mainly growth assets, such as Australian and international shares, property and alternative investments, and with some bonds. Designed for investors with a high risk tolerance, seeking a high level of expected returns. To achieve returns (after Fund taxes and investment fees) that are at least 3.0% p.a. more than inflation Consumer Price Index (CPI) over 10 years. 10 years Four in 20 years High Property 9% (0% %) International Shares 20% (7.5% %) Growth (70%) Defensive (30%) * UniSuper has discretion to determine the extent to which foreign currency risk is hedged. Different currencies may be hedged to different extents (or possibly not at all). Alternative Investments 5% (0% %) Australian Shares 36% (23.5% %) Cash and Fixed Interest 30% (17.5% %) The important information booklet How we invest your money, provides details about each of our investment options, investment switching and how we manage and may change your investment options. It examines UniSuper s key considerations in determining investment options, including detailed information about social, ethical, labour and environmental considerations. UniSuper recommends that you read this booklet for general information and speak to a licensed financial adviser if you would like assistance. * These are our socially responsible investment options. UniSuper considers a broad range of both financial and extra-financial factors when selecting and managing investments for all options. You should read the important information booklet How we invest your money before making a decision. Go to The material in How we invest your money may change between the time when you read this PDS and the day when you acquire the product.

5 Consumer Advisory Warning 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 fund balance rather than 1% could reduce your final return by up to 20% over a 30-year period (for example, reduce it from $100,000 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. You may be able to negotiate to pay lower contribution fees and management costs where applicable. Ask the Fund or your financial adviser. 1 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 (www.moneysmart.gov.au) has a super fee calculator to help you check out different fee options. This calculator can be used to calculate the effect of fees and costs on your account balance. 1 This text is required by law to be included in all PDSs. Please note however, UniSuper s fees are set at a competitive level that is consistent with effective management and are not negotiable by members. 6. Fees and costs Fees and costs for our default investment option the Balanced option This section provides a summary of information about the main fees and costs. Similar information is included in the PDS of other super products so you can compare fees and costs between different super funds. Fees and costs may either be deducted directly from your account or from the returns on your investment, as shown on page 8. TYPE OF FEE OR COST AMOUNT Fees when your money moves in or out of the Fund Establishment fee Contribution fee Withdrawal fee Termination fee Nil Nil Note that in some cases other fees and costs may apply, including investment switching fees. For details, refer to the important information booklet Fees and costs. This material also provides fees and costs for each of our other investment options. $48 deducted from your account for each lump sum withdrawal, full or partial rollover or contribution split application to a fund outside of UniSuper. Nil Management costs (fees and costs for managing your investment) Administration fee Indirect cost ratio (ICR) 1 $115 per annum deducted quarterly directly from your account balance. Plus 0.06% of your account balance deducted indirectly through your investment option(s) prior to the application of investment earnings to your account. Balanced investment option 0.49% (estimated based on the 2012 financial year.) 1 The ICR shown above is indicative only and is based on the ICR for this investment option for the year ended 30 June The amount you will be charged in subsequent financial years will depend on the actual fees, costs and taxes incurred by the Trustee in managing the investment option. ICRs for future years will reflect the changes outlined on page 3 of the Fees and costs booklet, including contributions to an operational risk reserve and further changes effective from 1 July Changes to fees and costs Fees are generally increased on 1 July each year in line with increases in the Consumer Price Index (CPI) for the previous 12 months ending 31 December. UniSuper reserves the right to introduce a new fee or increase any fees, and we will give you 30 days written notice (except in the case of annual indexation of fees) before the introduction or increase takes effect. You should read the important information booklet Fees and costs before making a decision. Go to The material in Fees and costs may change between the time when you read this PDS and the day when you acquire the product.

6 9 Example of annual fees and costs for the Balanced investment option 7. How super is taxed 10 This table gives an example of how the fees and costs in the Balanced investment option for this product can affect your super investment over a one-year period. You should use this table to compare this product with other super products. The Balanced investment option Balance of $50,000 with total contributions of $5,000 during the year Contribution fees 0% For every $5,000 you put in, you will be charged $0. PLUS Management costs EQUALS Cost of fund 0.55% 1 + $115 per year. And, for every $50,000 you have in the Fund you will be charged $275 each year (plus $115 in administration fees, regardless of your account balance). If you put in $5,000 during a year and your balance was $50,000, then for that year, you would be charged fees of $390.* What it costs you will depend on the investment options you choose and the fees you negotiate with your fund or financial adviser. # * Additional fees may apply. You may be charged withdrawal fees of $48 for each lump-sum withdrawal, partial rollover or contributions split application to a fund outside of UniSuper. Please refer to the fees and costs table and the note on other additional fees payable on page 8. # This text is required by law. Please note, however, UniSuper s fees are not negotiable by members. 1 The ICR is deducted from the assets of the investment option and accrues daily. This figure is based on the ICR to 30 June 2012 and also includes the 0.06% Administration Fee deducted indirectly through the investment option(s) within your account, prior to the application of investment earnings. ICRs for future years will also reflect the changes outlined on page 3 of the Fees and costs booklet effective from 1 July If you consult a UniSuper financial adviser, additional fees may be payable. These fees (payable on a fee-for-service basis) will be detailed in the Statement of Advice you receive from your adviser. Tax on contributions The table below provides an overview of tax on contributions and assumes that you have provided your Tax File Number (TFN). Main types of contributions Before-tax contributions which includes super guarantee and salary sacrifice contributions made by your employer from your before-tax salary. Personal after-tax contributions includes contributions made from your take-home pay and spouse contributions. How much tax is paid 15% on contributions up to the concessional (before-tax) contributions cap*. Contributions which exceed the concessional (before-tax) contributions cap are included in your assessable income and taxed at your marginal tax rate. Personal after-tax contributions are not taxed on amounts up to the non-concessional (personal after-tax) contributions cap. Any contributions which exceed the nonconcessional (personal after-tax) contributions cap are taxed at a minimum of 46.5%. How the tax is paid The tax is deducted from your super account. The tax is paid out of your pocket to the ATO. You may elect to release up to 85% of the excess concessional contributions from your superannuation account. n/a The excess contributions tax is to be paid out of your nominated super account. Please note, personal contributions where you provide UniSuper with a valid form that states that you intend to claim a tax deduction are taxed as before-tax contributions (see above). * The tax concession is reduced for concessional contributions made to super by or on behalf of individuals with income and concessional contributions over $300,000. An additional 15% Division 293 tax on certain superannuation contributions of affected members will apply with regard to concessional contributions made from 1 July 2012 onwards.

7 11 12 Caps on contributions The Government imposes caps on the total amount of contributions that you can make to super in each financial year and still receive concessional tax treatment. The caps apply to all contributions made by you or made on your behalf in a financial year, regardless of how many employers or super funds you have. It is your responsibility to monitor the contributions made into your UniSuper account, and to any other super accounts you may hold, to ensure that you don t exceed the contributions caps. If you exceed these caps, you may pay a much higher tax rate on any contributions that exceed the caps. Tax on rollovers No tax is payable if you roll over your benefit from one super fund to another, unless the amount contains an untaxed element, for example from a public-sector super fund. Any untaxed element rolled into UniSuper is taxed at 15% when it is received. Tax on investment earnings Investment earnings are generally taxed in Australia at up to 15%. This tax is deducted from the Fund s investment earnings before they are allocated to your account. Tax on withdrawals You may have to pay tax when you withdraw your benefit from the Fund. UniSuper will normally deduct any tax before paying your benefit. The amount of tax you will pay will depend on your circumstances, such as your age and how your benefit is paid to you. If you are 60 or over, a benefit payment you receive will generally be tax-free. However, tax may be payable in respect of your benefit where it is paid in other circumstances such as where you are under age 60 or if you die and a death benefit is paid to a nondependant (for tax purposes). Tax file numbers (TFN) You should provide your TFN as part of acquiring a UniSuper product. UniSuper is obliged by law to ask you for your TFN. It is not an offence not to quote your TFN, however, if we don t have your TFN you may be required to pay further tax on your contributions and benefit payments. Also, we may not be able to accept all types of contributions and it will make it harder to trace different super accounts in your name to assist you to receive all your super benefits when you retire. Your TFN will only be used for lawful purposes. To provide UniSuper with your TFN, you can contact UniSuper or visit our website. The important information booklet about How super is taxed provides more detail about taxation matters in relation to contributions, contributions caps, fund earnings and withdrawals, and the importance of providing your TFN. You should read the important information booklet How super is taxed before making a decision. Go to The material in How super is taxed may change between the time when you read this PDS and the day when you acquire the product. 8. Insurance in your super UniSuper offers three types of insurance cover, with the premiums paid out of your super account. Death cover (including terminal illness) provides a lump sum benefit to your dependants or your legal representative if you die or are diagnosed with a terminal illness. Death and Total & Permanent Disablement (Death and TPD) cover provides a lump sum if you die, are totally and permanently disabled or are diagnosed with a terminal illness. Income Protection cover provides regular monthly payments if you become temporarily disabled. Insurance cover is provided to UniSuper members through group insurance policies the Trustee has taken out with Hannover Life Re of Australasia Ltd, ABN (referred to as the Insurer throughout this PDS). Cost of automatic cover If you satisfy the eligibility criteria, as an Accumulation 1 member you will automatically be provided with and start to pay for one unit of Death and TPD cover at a cost of $1.60 per week ($1.44 premium plus $0.16 administration fee). The amount of the unit of cover you are eligible for depends on your age and ranges between $7,000 (if you are aged 69) and $232,000 (if you are aged between 14 and 34). When you turn 70, your cover will be automatically transferred to Death-only cover and will cease when you turn 75. The cost of cover will be deducted from your account unless you opt out of or cancel your automatic Death and TPD cover. Opting out of or changing automatic cover You can opt out of automatic Death and TPD cover, choose to reduce your Death and TPD cover to Death-only cover or, if you are less than 61 years of age, elect to have fixed cover instead of unitised cover when you join the Fund. You can do so by completing the appropriate sections of the Accumulation 1 application form and returning it to us, or by writing to us. However, if you opt out and then wish to apply for cover at a later date, you will need to provide health evidence to the Insurer. If after joining the Fund you elect to convert unitised cover to fixed cover you must be less than 61 years of age at that time too. Once you elect fixed cover (regardless of when you do so) you may not convert back to unitised cover. Also, if you convert to fixed cover and have TPD cover, from age 61, your TPD cover will reduce by 10% each year. A summary of the eligibility criteria is set out in the important information booklet about Insurance in your super. It is important that you read that booklet very carefully to understand the types of cover you are eligible for.

8 13 14 Applying for insurance You can apply to: increase or add to the level of cover you have, or take out Death and TPD cover if you do not meet the eligibility criteria for automatic cover or wish to take up cover if you opted out when you first joined, or take out Income Protection cover. You can apply by going to the insurance section of MemberOnline, or by completing an insurance application form contained in the Insurance in your super booklet available from All applications for insurance cover are subject to acceptance by the Insurer and the Insurer has the ability to accept, decline or impose special conditions like restrictions, exclusions and loadings on premiums. The important information booklet about Insurance in your super includes additional information about insurance, including how to apply, the level and type of cover available. It also includes the cost of cover, eligibility and cancellation of cover, relevant definitions and the other conditions and exclusions that may apply and that may affect your entitlement to insurance cover. You should read the important information before making a decision about whether the insurance is appropriate for you. 9. How to open an account Follow the simple steps below to become an Accumulation 1 member: Read this PDS and the important information referred to in the PDS. Complete the Accumulation 1 application form included with this PDS or available at and return it to your employer. Use this form to nominate your future contributions strategy and insurance. You will become a member when UniSuper accepts your completed application form or when we accept an employer contribution on your behalf. You or your employer can then start to make regular and/or ad hoc payments into your account. If you have an enquiry or complaint If you have an enquiry, please use the contact details overleaf. We hope you don t have any complaints about your super, but if you do, please contact UniSuper. We will deal with your complaint and respond as quickly as possible. To make a complaint, contact UniSuper s Complaints Officer on or write to: Complaints Officer, UniSuper, Level 35, 385 Bourke Street, Melbourne Vic If you are not satisfied with our handling of your complaint or the decision we have made in relation to your complaint, you may contact the Superannuation Complaints Tribunal (SCT), an independent body set up by the government to assist in the resolution of certain complaints in relation to super. You should read the important information booklet Insurance in your super before making a decision. Go to The material in Insurance in your super may change between the time when you read this PDS and the day when you acquire the product. If you want to combine any other super you may have into your UniSuper account, then complete the Combine my super (rollover) form. If you want to make a binding death benefit nomination, then complete the Binding death benefit nomination form. Your contributions and rollovers will be invested in the default investment option and you will receive the automatic insurance cover (if eligible) until we receive any alternative instructions from you. Before the SCT can accept a complaint, it must go through the Trustee s internal complaints process. If the SCT accepts your complaint it will try to resolve the matter through conciliation. If this is unsuccessful it will make a determination, which is binding on the Trustee. If your complaint relates to a disablement claim or death benefit, please note time limits apply in which to make a complaint. You can contact the SCT on or write to: Superannuation Complaints Tribunal, Locked Bag 3060, Melbourne Vic 3001.

9 CONTACT US Helpline am and 7.00pm Monday to Thursday and 8.30am and 6.30pm (Melbourne time) Friday. Fax Website Address UniSuper Level 35, 385 Bourke Street Melbourne Vic 3000 Australia To the extent that this PDS contains any information which is inconsistent with the UniSuper Trust Deed and Regulations (together, the Trust Deed), the Trust Deed will prevail. Information contained in this PDS which is not materially adverse may change from time-totime. Updated information can be found on our website or by contacting us. You will be given notice of material changes or significant events within time-frames required by law. UniSuper Management Pty Ltd and SuperRatings have consented to their logo and/or statements being included in this booklet. UniSuper Limited 2013 Printed on Revive, an Australian made, 100% Recycled and Certified Carbon Neutral paper. How we protect your privacy The Trustee and USM collect, use and disclose personal information about you, including health-related information, to provide, administer and/or improve your membership, benefits, services and related purposes, such as to evaluate a product or service or to provide you with access to various services including financial advice. We may be required by super and tax laws to collect personal information about you. We may disclose your personal information to other super funds, external service providers (such as mail houses, auditors, actuaries, insurers, lawyers and research consultants) and government authorities. If we are unable to collect certain personal information from or about you, we may not be able to provide or administer your benefits or provide you with member communications and other services. To apply for access to your personal information or to make privacy queries, please write to our Privacy Officer, UniSuper, Level 35, 385 Bourke St, Melbourne VIC Our full Privacy Policy is available at UNIS

10 Accumulation 1 application form Before completing this form Please read the attached product disclosure statement (PDS) and important information booklets that form part of the PDS to ensure that you understand the benefits and risks associated with membership as well as your options as a UniSuper member. Joining UniSuper Please complete this form and return it to: your employer s Superannuation Officer, or the person who is responsible for superannuation at your workplace. Combining your super To combine all your super accounts into your UniSuper account, complete the Combine my super (rollover) form, which can be downloaded from our website or is available by calling our Helpline on A separate form is required for each rollover. Understanding the risks You should understand the risks and other implications of selecting your investment options. Please read How we invest your money and Risks of super booklets before completing this form. We recommend that you consult a licensed financial adviser before making any investment decisions. Anti-Money Laundering and Counter Terrorism Financing Act 2006 UniSuper is required by law to collect your full name, date of birth and residential address on this form. Further information If you need further information: contact your employer s Superannuation Officer call the our Helpline on , or visit our website at Privacy information UniSuper recognises the importance of protecting your personal information and is committed to complying with its privacy law obligations. UniSuper collects and manages various types of personal information about you to provide you with UniSuper membership and benefits. To find out more about how UniSuper collects and manages your personal information, please refer to UniSuper s Privacy Policy, which is available from UniSuper s website at or by calling the UniSuper Helpline on between 8.30 am and 7.00 pm Monday to Thursday, and 8.30 am to 6.30 pm (Melbourne time) Friday. SECTION 1 Member details Please use BLACK or BLUE BALL POINT PEN and print in CAPITAL LETTERS. Cross where required Title Mr Mrs Ms Dr Professor Other Surname Given name Date of birth (DDMMYYYY) Gender Male Female Residential address, number and street (not PO Box) Suburb/Town State Postcode Country (if not Australia) Is your postal address different from your residential address? No. Go to next page. Yes. Please provide your postal address below. Postal address, number and street (or PO Box if applicable) Suburb/Town State Postcode Country (if not Australia) Contact numbers Home Work Mobile ( ) ( ) Fund: UniSuper ABN UNISF Trustee: UniSuper Limited ABN July 2013 Level 35, 385 Bourke Street, Melbourne Vic 3000 ÊF00008À0713{Š Administrator: UniSuper Management Pty Ltd ABN AFSL

11 SECTION 1 Continued Personal Work SECTION 2 Tax file number You do not have to provide your tax file number (TFN). However, if we don t have your TFN, you will pay more tax than you need to and UniSuper will be unable to accept your non-concessional (personal after-tax) contributions. See the PDS and the How super is taxed booklet for more information. Your TFN SECTION 3 Future contributions strategy Pre-Mixed SECTOR You can choose a single investment option or a mix of investment options based on your individual requirements. The total must equal 100% and each nomination must be in whole numbers. Capital Stable % Conservative Balanced % Balanced % Socially Responsible Balanced % Growth % High Growth % Cash % Australian Bond % Listed Property % Australian Shares % International Shares % Socially Responsible High Growth % Global Environmental Opportunities % Australian Equity Income % Global Companies in Asia % Total % Sector investment options are less diversified and are not intended to be used in isolation, but are intended to be combined with other investment options to build a diversified portfolio. For example, the Australian Equity Income option might have an exposure to as few as 20 entities and the Global Companies in Asia option as few as 40 entities, compared to the Balanced option, which has an exposure to over 1,500 entities, and are also less diversified across sectors. If you choose to only invest in a Sector option, you may be exposed to more risk and may miss out on the benefits of the balance between risk and return offered by a Pre-Mixed option. SECTION 3a Investment switch As your application may be received after contributions have been processed to your account, we will switch those contributions from the default investment option to the investment(s) you have chosen in Section 3 above as at the date we receive this form. Select this box if you do not want to have those contributions switched. Page 2 of 6

12 SECTION 4 Death and Total & Permanent Disablement (TPD) insurance cover If eligible, Accumulation 1 members will automatically receive one unit of Death and TPD cover (or one unit of Death-only cover if you are aged 70 to 74; if you are aged 75 or over, you are ineligible for cover) when you join without needing to provide health evidence to the Insurer. This is known as your automatic insurance cover. The insurance premiums for this cover are deducted from your UniSuper account. You may opt out of this cover now or at any stage in the future if you wish. Please note, if you have become a UniSuper member as a result of a payment split under the Family Law Act, all insurance cover is subject to satisfactory health evidence and approval by the Insurer. See the PDS and the Insurance in your super booklet for more information. Note: if you do not opt out on this form and are otherwise eligible, you will receive and start paying insurance premiums for one unit of Death and TPD insurance cover automatically. Have you ever received a terminal illness benefit? Yes. You are ineligible for Death and TPD insurance cover. Go to SECTION 7 No. You may be eligible for Death and TPD or Death-only insurance cover. Do you wish to opt out of your automatic insurance cover? Yes. I wish to opt out of: All automatic Death and TPD insurance cover. Go to SECTION 7 TPD cover only No. I do not wish to opt out of automatic insurance cover. Have you previously made, or do you currently have pending, an insured disablement claim? No. Yes. You may be eligible for Death-only cover. Were you at work and performing your normal duties for your UniSuper employer today? Yes. No. Provide details of why you were not at work today. SECTION 5 Additional Death and TPD insurance cover up to automatic acceptance limits In addition to your one unit of automatic Death and TPD insurance cover, you may apply for up to two additional units of the same type of cover without providing health evidence to the Insurer, provided you do so within 180 days of being first eligible to join UniSuper. Do you wish to apply for additional units of insurance cover? Yes. How many units of insurance would you like (including your automatic unit)? No 2 units in total (including automatic unit) 3 units in total (including automatic unit) If you wish to apply for more than three units, please complete the Death and Total & Permanent Disablement insurance application form, which is included in the Insurance in your super booklet. This booklet is available from or by calling our Helpline on SECTION 6 Converting unitised insurance cover to fixed cover Would you like to convert your Death and TPD insurance cover to fixed cover? Yes. This is a once-only election and you will be unable to elect unitised cover in the future. No Please note, your request will take effect when your form is received. SECTION 7 Income Protection insurance If eligible, you may be able to choose up to 23 units of Income Protection insurance cover ($2,300 per week) without the need to provide health evidence to the Insurer, provided you do so within 180 days of being first eligible to join UniSuper. If you would like Income Protection insurance, how many units would you like to apply for? (One weekly unit is equivalent to $100.) units (maximum is 23) This cover cannot be more than 85% of your pre-disability monthly income (10% of which is payable in the form of an employer super contribution). If you wish to apply for more than 23 units, please complete the Income Protection insurance application form, which is included in the booklet Insurance in your super. This booklet is available from or by calling our Helpline on Page 3 of 6

13 SECTION 8 Preferred beneficiary nomination There are two types of beneficiary nomination that can be made: a preferred beneficiary nomination and a binding death benefit nomination. You can only make a preferred beneficiary nomination on this form. See the How super works booklet for more information. Which type of beneficiary nomination would you like to make? (Select one box only) Preferred beneficiary nomination. Please provide your nominations below. Binding death benefit nomination. You need to complete the Binding death benefit nomination form that is available from our website at or on request from our Helpline on Go to SECTION 9 Please nominate your preferred beneficiaries. If you wish to nominate more than three beneficiaries, please provide the same details for each additional beneficiary on a separate piece of paper. The paper must be signed and dated in the same manner as this form and you must ensure that the total percentage of benefit nominations adds up to 100%. (The total percentage of benefit nominations must add up to 100%. A preferred beneficiary nomination is not binding on the Trustee, but will be taken into account when determining to whom your death benefit should be paid.) See the How super works booklet for more information about who can be nominated as a preferred beneficiary. Beneficiary 1 What is the beneficiary s relationship to you? (Select one box only) Spouse Child Financially dependent Interdependency relationship Surname Given names OR Select this option if nominating a legal personal representative: Legal personal representative (estate) If you re nominating legal personal representative/s, please enter the full name/s in the box below: SECTION 8 Continued Beneficiary 2 What is the beneficiary s relationship to you? (Select one box only) Spouse Child Financially dependent Interdependency relationship Surname Given names OR Select this option if nominating a legal personal representative: Legal personal representative (estate) If you re nominating legal personal representative/s, please enter the full name/s in the box below: What is the percentage benefit you wish to nominate?. % Beneficiary 3 What is the beneficiary s relationship to you? (Select one box only) Spouse Child Financially dependent Interdependency relationship Surname Given names OR Select this option if nominating a legal personal representative: Legal personal representative (estate) If you re nominating legal personal representative/s, please enter the full name/s in the box below: What is the percentage benefit you wish to nominate?. % What is the percentage benefit you wish to nominate?. % Page 4 of 6

14 SECTION 9 Electronic communication To reduce our environmental footprint, we encourage members to access the annual Report to members and newsletters on our website at Do you wish to receive an informing you when the above documents are available on the website? Yes. We will use the personal address supplied in SECTION 1 of this form. No. Go to SECTION 10 SECTION 10 Member declaration and signature Please read this declaration before you sign and date your form. I declare that the information I have given on this form is true and correct. I understand that I will be bound by the provisions of the Trust Deed as amended from time to time. If I have provided my tax file number (TFN) in SECTION 2, I understand the circumstances in which my TFN may be collected and used and I agree that my TFN may be used for all superannuation purposes. I acknowledge that I have received, read and understood the information in this PDS, and the important information booklets that form part of the PDS, and I understand that: --I will receive and start to pay for one unit of Death and TPD or Death-only insurance cover (if I am eligible) and may opt out if I wish or purchase additional units of cover --I have read and understood the Duty of disclosure and Non-disclosure information in the Insurance in your super booklet. --investing in an investment option may involve some risk and that on occasions my account balance may decrease --UniSuper does not guarantee my investment or any particular rate of return --I can switch my investment options weekly on MemberOnline or by submitting an Investment choice form. The first switch I make in each financial year is free and there is a fee for any subsequent switches I make in each financial year --if I do not choose a future contributions strategy, my contributions will be automatically invested in the Balanced option, which is the Fund s default investment option --my account is not automatically rebalanced to reflect the investment option allocations chosen on this form. However, I can switch investment options by submitting an Investment choice form -- if my application is received after contributions have been processed to my account, unless I instruct otherwise, these contributions will be switched from the default investment option to the investments I have chosen as at the date the application form is received -- taxes, fees and costs will apply. I acknowledge that I have read and understood the privacy information in the PDS and consent to my personal information being used in accordance with UniSuper s Privacy Policy. Signature Date (DDMMYYYY) Returning your form: Return your completed form to your employer s Superannuation Officer or the person who is responsible for superannuation at your workplace Page 5 of 6

15 OFFICE USE ONLY To be completed by a Superannuation Officer or or the person who is responsible for superannuation at the applicant s workplace Member number Payroll number Employer number Employer name Date the member was first eligible to join UniSuper (DDMMYYYY) This is the later of the date that the member was employed or the date that Super Guarantee contributions first commenced. Date joined UniSuper (DDMMYYYY) Is the employee permanent or casual? Permanent Casual Has member been added to administration system? Yes No Insurance updated? Yes No Investment updated? Yes No Name of Superannuation Officer or responsible person Signature of Superannuation Officer or responsible person Date (DDMMYYYY) Employer date stamp Page 6 of 6

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