Contact AMP You can call or fax a Customer Service Officer on Phone Fax

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1 getting a home loan? Easy cover for you Loan Cover Product Disclosure Statement Issue 3, 1 January 2012 Loan Cover is issued by AMP Life Limited ABN , AFS Licence No Loan Cover is available through authorised Aussie Mortgage Brokers

2 Contact AMP You can call or fax a Customer Service Officer on Phone Fax Address - Enquiries and Claims Customer Service AMP Life Limited PO Box 300 PARRAMATTA NSW 2124 Or visit our website on amp.com.au or us on If you have an enquiry or complaint, please remember to mention your plan number. The Product Disclosure Statement (PDS) for Loan Cover is in 2 parts: this document, and the Premium Booklet. The PDS is an important document. You should read both parts before applying for Loan Cover so that you understand how Loan Cover works. AMP Life Limited (AMP Life) is the issuer of Loan Cover. Loan Cover is available through authorised Aussie Mortgage Brokers. When arranging your application for Loan Cover, your Aussie Mortgage Broker acts as an authorised representative of AMP Life. AMP Life is responsible for the content of the PDS. No other company in the AMP group, the Aussie Group nor your Aussie Mortgage Broker: are responsible for any statements or representations made in this PDS, or guarantees the performance of AMP Life or its obligations to customers or assumes any liability to customers in connection with Loan Cover. This offer is available only to persons residing in Australia, and receiving it (including electronically) within Australia. We can t accept cash or applications signed and mailed from outside Australia. Monies received or paid must always be in Australian dollars. The information contained in this PDS is of a general nature only. It isn t based on your personal objectives, financial situation and needs.

3 Loan Cover at a glance What am I covered for? Am I eligible for cover? What if I m taking out the home loan in joint names? How much can I apply for? How do I pay for the cover? How long can the cover continue for? Is the premium tax deductible? What if I take the cover out and then change my mind? What if I have a complaint? Are there any risks involved? Are any discounts available? How much does it cost? Subject to certain exclusions, your Loan Cover policy will cover you world wide, 24 hours a day, 7 days a week if you die or become terminally ill. To apply for Loan Cover, you must be: between 18 and 54 years of age, and a resident of Australia, and applying for a home loan (except a no doc loan). If you are taking out a home loan in joint names you can either apply to be jointly covered under Loan Cover or nominate just one person to be covered. Note: Only one benefit is payable even if there are two insured persons on this plan. You are not allowed to have more than one Loan Cover plan on the one home loan. You can be insured up to the amount of your approved home loan to a maximum of $750,000 (across all AMP Loan Cover plans you hold). You can pay by direct debit from your credit card, bank account, building society or credit union. Cover for an insured person can continue until the plan anniversary after they turn 59 years of age. Premiums generally aren t tax deductible if the plan is for personal purposes. How taxation law applies to you though depends on your personal circumstances and we recommend you consult your tax adviser. That s okay. If you change your mind or are not satisfied with your plan, you can, subject to certain conditions, return it within the 14 day cooling-off period and receive a full refund. We hope that this doesn t arise and that we are able to provide you with a high level of customer service. If however you do have a complaint, we have internal processes to manage this. If we are unable to resolve the complaint to your satisfaction, then you may be able to take the matter to the Financial Ombudsman Service (FOS). There are risks in taking out this plan, such as it might not suit your needs or you may not have enough to adequately protect yourself. You should assess your needs carefully before making a decision. See page 3 See page 4 See page 4 See page 6 See page 6 See page 8 See page 9 See page 9 See page 9 See page 11 Yes. Premiums are discounted for sums insured over $150,000. A discounted plan fee is also available to the second insured person on the plan. Premium Booklet Your premium will be determined by your age, gender, smoker status and level of cover. Premium tables and example premium payments are included in the Premium Booklet which you should have received along with this document. Premium Booklet 1

4 Why take up Loan Cover when you get a home loan? 1. Peace of mind that your loan will be covered. With Loan Cover the sum insured will be paid if the insured person dies or becomes terminally ill. These funds can be used for any purpose such as paying down your home loan. 2. Applying for cover is simple. With Loan Cover: No medical questions are asked. You can apply when you take out a home loan. The sum insured is paid if the insured person dies or becomes terminally ill. 3. Cover for both of you. If you re applying for a home loan with another person you can both be covered under the same Loan Cover plan. A discounted plan fee applies to the second person. Note: You may only have one Loan Cover plan on any single home loan. Your cover continues, even when your loan ends Loan Cover isn t linked to the amount of your home loan. This means if you repay your home loan or refinance with another provider you can still continue to hold your Loan Cover insurance. Changes to this document As the information in this PDS may change from time to time. You can obtain updated information by simply: Visiting amp.com.au/pdsupdates, or calling us on to request a free paper copy of the updated information. However, if the change to the information is materially adverse, we will issue a Supplementary PDS. Understanding terms in this PDS Throughout this document: Aussie means AHL Investments Pty Limited. Consumer Price Index (CPI) means the Australian National All Groups Consumer Price Index published by the Australian Bureau of Statistics or, if that index is abolished or changed, we will use another index we believe fairly and accurately reflects changes in the cost of living. We use the index published in respect of the 12 month period ending on 30 September. Home loan means a loan with an Australian financial institution for the purchase of residential property in Australia. This loan has to be secured by a registered mortgage on that property. Loan drawdown means the first instance in which a home loan is settled or advanced. Insured person is the person(s) insured under the plan. Plan means the Loan Cover policy of insurance issued by AMP Life Limited. Plan anniversary means each anniversary of the plan start date. Both the plan start date and the plan anniversary date will be shown in your Certificate of Insurance. Terminal illness means being diagnosed as having less than 12 months to live (and we agree with that diagnosis). You, your and yourself means the plan owner(s). We, us and our means AMP Life Limited. About Loan Cover Loan Cover offers affordable and easy access to life insurance at the time you take out a home loan. As long as you pay your premiums, cover for an insured person can continue until the plan anniversary after they turn 59, even if their health, occupation or pastimes change or you no longer have the home loan. Loan Cover is only available to approved home loan applicants and is not available in conjunction with no-doc home loans. The home loan must be with an Australian financial institution for the purchase of residential property in Australia and secured by a registered mortgage on that property. Note: This is not a savings product. If the plan ends (other than by an accepted claim) at any time after the cooling-off period, you don t get anything back. Secured by our No. 1 Statutory Fund Your plan is backed by our No. 1 Statutory Fund. Benefit payments under your plan are paid from, and are limited to, the assets of this fund. As at 30 June 2011 the assets available in our No. 1 Statutory Fund were more than 50% higher than the minimum solvency reserve required by the Australian Prudential Regulation Authority (APRA). Worldwide coverage Each insured person is covered worldwide, 24 hours a day, 7 days a week. 2 3

5 Who is eligible? You are eligible to take out a Loan Cover plan if you are applying for a home loan (except a no doc loan) and each insured person is: aged 18 to 54 years, and a resident of Australia. Plan owner Each borrower on the home loan application must be a plan owner (to a maximum of 2 plan owners). If there are more than 2 borrowers on the loan application, you cannot apply for Loan Cover. If there are 2 borrowers each will own the plan (as joint tenants ). This means that on the death of one of the owners, the surviving owner becomes the sole plan owner and any proceeds payable under the plan will go to the surviving owner. Only an individual can be a plan owner. A company, trustee of a trust or other institution cannot own the plan. A borrower is not allowed to have more than one Loan Cover plan on the one home loan. Also, the plan cannot be assigned. Insured Person If there is only one borrower, they will be the plan owner as well as the insured person on the plan. If there are 2 borrowers, either or both of them can be an insured person. We allow a maximum of 2 persons to be insured persons under this plan. Both insured persons must have the same amount of cover under the plan. Note only one benefit is payable even if there are 2 insured persons on this plan. An insured person is not allowed to be covered under more than one Loan Cover plan on the one home loan. When do we pay a benefit? We pay a benefit when an insured person: dies, or suffers a terminal illness (is diagnosed as having less than 12 months to live and we agree with that diagnosis). If there are 2 insured persons, only one benefit is payable under the plan even if both insured persons die or become terminally ill at the same time. We won t pay a benefit for death or terminal illness caused by you or the insured person s own hand within 13 months of the plan start date. Pre-existing conditions We won t pay a benefit for death or terminal illness resulting from a pre-existing condition. Pre-existing condition means an injury, sickness or disability the insured person: was diagnosed with, or had symptoms of, or was treated for, in the 24 months prior to the plan start date, unless the insured person was not aware of, and a reasonable person in the circumstances could not be expected to have been aware of, that injury, sickness or disability at that time. Who do we pay a benefit to? We will pay a benefit: if the insured person suffers a terminal illness, to you, or if the insured person dies: to the surviving owner (where there is more than one owner of the plan), or if there is no surviving owner, to your estate. 4 5

6 How much do we pay? When you take out this plan, you can select a sum insured up to the amount of your approved home loan amount (to a maximum of $750,000 across all AMP Loan Cover plans you hold). For example, assuming you have no other Loan Cover plans with us, if you have been approved for a home loan of $400,000, you can be insured for a maximum amount of $400,000. However if you have been approved for a home loan of $800,000, you can only apply for a maximum of $750,000. You can select a lower amount or you can reduce your sum insured once your plan has started, should you wish to do so. Once your plan is issued, the amount of cover that you have does not vary with any change in the amount owing under your home loan. This also means that your plan does not end because you have paid off your home loan. Premiums and fees Premiums and fees are payable monthly by direct debit from your nominated bank, building society or credit union account or credit card. Premium payment options may be changed in future at our discretion. If you fail to pay premiums when they become due, we will take steps to cancel your plan. You may apply to have your plan reinstated should the plan have been cancelled by us for non-payment of premiums. Reinstatement will be on such terms as we determine to impose at the time. This will include treating the reinstatement date as the plan start date for the purpose of the exclusions mentioned under When do we pay a benefit? Your monthly premium is based on the insured person s age, gender, smoker status and the amount of cover selected. It also includes a monthly plan fee that we may increase each year by any increase in the CPI. Please refer to the Premium Booklet for the monthly plan fee and to find out how much your initial monthly premium will be at the time you take out this plan. Each year premiums are recalculated, at the anniversary of the commencement of your plan, based on the insured person s age on that date. Premiums will generally increase each year with age. We guarantee not to increase premiums other than on a plan anniversary unless: you change your plan in a way which increases the premium, or the government introduces a new tax, duty or charge, or changes an existing one. Premium rates are not guaranteed. We may vary premium rates at any time and any increase in your premium will apply at your next plan anniversary. We can t single you out for an individual premium rate variation. If we increase premium rates we will apply the increase to all plans that we consider to be similar to your plan. If we reduce our premium rates (or we increase any discounts), we may keep your premium the same by increasing the sum insured under your plan. If we do that, we will tell you in writing before doing so. You can select a lower sum insured should you wish to do so, by writing to us. 6 7

7 When does your cover and the plan start? Your Loan Cover plan only starts if we receive a completed Loan Cover application and evidence of loan drawdown. If we receive your completed application and evidence of loan drawdown within 28 days of loan drawdown you will be covered from the date of loan drawdown. If we receive your completed application and evidence of loan drawdown after 28 days of loan drawdown, you will be covered from the date we receive your completed application and evidence of loan drawdown. Your completed application and evidence of loan drawdown must be received within 3 months of loan drawdown, although we may extend this period at our discretion. We will confirm your plan start date in writing to you by issuing a Certificate of Insurance and Plan Rules. These documents also set out other important information like your initial monthly premium. When does your cover and the plan end? Cover for an insured person will end on the plan anniversary after they turn 59, unless the plan ends earlier. Your plan ends: when an insured person dies or suffers a terminal illness, or when cover for all insured persons ends, or when we receive your written request to cancel the plan, or when we cancel the plan as a result of premiums not being paid. Taxation How taxation law applies to you depends on your circumstances and we recommend you consult your tax adviser. As at the preparation date of this PDS, our understanding of taxation law and how it is interpreted is that generally, where the plan is for personal purposes, premiums aren t tax deductible and payment of benefits to you won t attract income tax or Capital Gains Tax (CGT). However CGT may apply to benefits paid if paid to a person different to the owner at the time that the plan commenced. Cooling-off period (your right to return your plan) Once we send you a Certificate of Insurance, you have 14 days to check that the insurance meets your needs. If it doesn t, simply write to us requesting that your plan be cancelled and return the certificate of insurance. Your premium will be refunded in full. You cannot return your plan if you have exercised any rights or powers available under it. Customer satisfaction If you have a question, please contact us. Our details are on the back cover. We aim to provide products and services that exceed your expectations. If we don t meet your expectations, please tell us. We hope that we can resolve the issue when you contact us. If we can t, we ll aim to give you a response within 10 working days. We will keep you advised at regular intervals of the status of your complaint. If we can t resolve your complaint to your satisfaction within 45 days, then you may have the right to lodge a complaint with the: Financial Ombudsman Service GPO Box 3 MELBOURNE VIC 3001 Phone: Fax: Website: 8 9

8 Payments to Aussie We will pay a commission to Aussie if we issue a Loan Cover plan arranged through an authorised Aussie Mortgage Broker. We pay up to 66% of the first year s premium depending on the arrangement we have with the distributor unless the plan is cancelled within 12 months. This includes 10% GST which Aussie is required to pay to the Australian Taxation Office. Aussie may also receive payments based on the volume of business they generate. You are not required to pay these as additional amounts. Alternative Forms of Remuneration Register We are required to comply with an industry code on alternative forms of remuneration. The code is the Financial Services Council and Financial Planning Association of Australia Industry Code of Practice on Alternative Forms of Remuneration ( the Code ) in the wealth management industry. The Code requires us to maintain a register that records any material forms of alternative remuneration, which we pay or receive. Registers are required to be maintained by investment managers, platform providers, representatives and licensees. The register is publicly available for inspection by you and a copy of the register can be requested by contacting us on No advice Your broker is not authorised by AMP to give you financial product advice. For example, they cannot give you an opinion as to whether you should take out Loan Cover or express an opinion about whether you should vary any life insurance arrangements you may already have in place. You should contact a licensed or appropriately authorised financial adviser if you are unsure if Loan Cover is appropriate for you or if you require advice about your life insurance arrangements. Risks The main risks in taking out this plan are: you select an insurance product that doesn t meet your needs, or you may not choose enough cover to adequately protect yourself. You will need to assess your needs carefully to ensure that this doesn t occur. How we handle insurance claims Our aim is to provide timely financial assistance. If you need to make a claim, we have specially trained claims staff who will be pleased to answer any questions and assist you with the completion of any necessary paperwork associated with your claim Either you or someone close to you can simply call us on We will then advise what to do next. Our claims requirements will vary depending on the type of, and reason for, the claim you are making. Our claims requirements may include, but are not limited to (as applicable): completed claim forms, and certified copy of the death certificate, and confirmation of loan drawdown date, and proof of diagnosis of condition for which the claim is being made, including copies of investigations performed by a specialist (eg clinical, histological and radiological evidence), and Probate or Letters of Administration. Claims should be notified promptly to avoid delays in processing the claim

9 AMP and your privacy Our main purpose in collecting personal information from you is so we can establish and manage your plan. If you choose not to provide the information, then we may not be able to process your application. We may also use this information for related purposes - for example, providing you with ongoing information about financial services that may be useful for your financial needs. These may include investment, retirement, financial planning, banking, credit, life and general insurance products and enhanced customer services, that may be made available by us, other members of the AMP group, or by your financial planner. We usually disclose information: to other members of the AMP group, and if a jointly owned plan, to the other owner, and to Aussie and your Aussie mortgage or broker, and to external service suppliers who supply administrative, financial or other services to assist the AMP group in providing AMP financial services, and to anyone you have authorised or if required by law. Under the National Privacy Principles, you may generally access personal information about you held by the AMP group. Direct Debit service agreement The following terms apply to the direct debit that you set up to make payments: Before you request a direct debit arrangement you must check with your financial institution that the account you want to nominate can have direct debit (eg some passbook savings accounts cannot have direct debit). Please doublecheck any account details you provide by comparing them with a recent statement from your financial institution. To find out if we can debit from your account, contact your financial institution or us on: Phone Fax Address Customer Service PO Box 300 PARRAMATTA NSW 2124 This agreement allows AMP Life Limited to deduct your monthly premium and fees from your nominated account. If we want to change this agreement, we will notify you 14 days in advance (unless it is specifically in relation to government stamp duty). If you disagree with this change, please notify us within these 14 days. Your account details will be kept confidential. However, these details will be disclosed: if you give permission, or if a court order applies, or to settle a claim, or if our financial institution needs information

10 If the due date is on a weekend or public holiday, your payment will be processed on the next business day. If you are not sure when your debit will be processed to your nominated account, you should check with your financial institution. You should make sure that sufficient cleared funds are available in your account on the due date for payment. If there are not sufficient funds and your financial institution dishonours the payment, any charges incurred by: your financial institution may be debited from your account, or AMP may be debited from your plan or recovered in some other way. To change or cancel this agreement or dispute a debit, contact AMP Customer Service. In particular, if you want to: change this agreement, eg the amount you pay, the date you pay, account number or deferring payment due to unforeseen circumstances, you need to contact us at least 3 days before the due date, or cancel this agreement or an individual payment, you need to contact us at least 3 days before the due date, or dispute a debit that has been made from your account. AMP will respond to your initial request within 5 days. If you believe that a debit has not been correctly processed, you should contact us immediately. You indemnify us against all losses, costs, damages and liabilities that we suffer as a result of you breaching this agreement, or providing us with an invalid or non-binding direct debit request addressed to us. 14

11 Please staple all relevant material together AMP Loan Cover application Mark boxes with ( ) where appropriate, otherwise use block letters. Leave a box between words. 1. Plan owner DETAILS Plan owner 1 Plan owner 2 This owner is to be an insured person under this plan. Title Surname This owner is to be an insured person under this plan. Title Surname Given names Given names Date of birth Sex Date of birth Sex Are you an Australian resident? Yes No Have you smoked tobacco or any other substance or used nicotine replacement products within the last 12 months? Yes No Address Unit No. Street No./PO Box Are you an Australian resident? Yes No Have you smoked tobacco or any other substance or used nicotine replacement products within the last 12 months? Yes No Address Unit No. Street No./PO Box Street name Street name Suburb State Suburb State Postcode Country Postcode Country Home Phone Home Phone Business Phone Business Phone Mobile Phone Mobile Phone 2. SUM insured DETAILS Select one of the following sum insured options: My approved home loan amount (subject to a maximum of $750,000) A lower amount of Notes: 1. The sum insured on this plan may be lower than the amount nominated if: a plan owner(s) has another AMP Loan Cover plan, or the approved home loan amount is lower than the amount specified above. 2. Refer to the Loan Cover Product Disclosure Statement for other important terms and conditions. 3. DIRECT DEBIT AUTHORITY DETAILS We will deduct your initial premium within 10 days of acceptance of this application. Please select one: Bank Building society Credit union account BSB number Account number Account holder name Institution name Branch location Loan Cover is issued by AMP Life Limited ABN , AFS Licence No Loan Cover is available through authorised Aussie Mortgage Brokers. When arranging your application for Loan Cover, the Aussie Mortgage Broker acts as an Authorised Representative for AMP Life. The Aussie logo is a trade mark of AHL Investments Pty Limited ABN A1 of 2 AUZ00528 NS4585 (12/11)

12 Credit card number Expiry date Credit Card: VISA MasterCard Amex Name on credit card 4. AGREEMENT AND DECLARATION 1. I/We have received the Loan Cover Product Disclosure Statement dated issued 1 January 2012 (and any applicable supplements) and am/ are eligible for this product as per the terms described. 2. I/We have read the Privacy information in the Product Disclosure Statement and agree to the various uses and exchanges of my/our personal information and acknowledge my/our right to access personal information held about me/us by the AMP Group. 3. I/We have read all the information provided in this application and believe it is complete and correct even if the information has been written by someone else. 4. I/We request AMP Life Limited (user ID000103), until further notice in writing to debit my/our account/credit card, as outlined in this application, or, as subsequently advised, with any amounts, which they may debit, or charge me/us through the direct debit system. I/We have read and agree to the terms of the Direct Debit Service Agreement attached. I/We understand that I/we may terminate this request at any time. 5. I/We acknowledge that a benefit won t be paid for death or terminal illness: resulting from a pre-existing condition, or caused by me/us or the insured person s own hand within 13 months of the plan start date. Pre-existing condition means an injury, sickness or disability the insured person: was diagnosed with, or had symptoms of, or was treated for, in the 24 months prior to the plan start date, unless the insured person was not aware of, and a reasonable person in the circumstances could not be expected to have been aware of, that injury, sickness or disability at the plan start date. 6. I/We confirm that I/we have not received any Financial advice from my/our Aussie Mortgage Broker regarding my/our application for Loan Cover. Please tick to confirm Plan owner 1 signature Date Plan owner 2 signature Date Broker checklist For swift processing of this application, we ve included this checklist below. Simply tick the boxes: (all boxes need to be ticked) to make sure you haven t missed anything that could delay processing the application. Loan Cover applied for with a valid backing home loan (ie not a no doc home loan, etc). All borrowers are noted as plan owners in this application. (There should be no more than 2 borrowers on the mortgage this application relates to). Each applicant is an individual borrower (ie not a company, trust or other institution) Aussie Home Loans Broker Information Broker name AMA Comm Code Financial Services Guide (FSG) version provided Broker phone Opportunity number Head Office use only On drawdown please provide: Settlement date Please send this completed application form to: Aussie Home Loans Fax Settlement amount Aussie AMP ID A2 of 2

13 Contact us Phone Fax Internet amp.com.au Address Customer Service PO Box 300 Parramatta NSW 2124 AMP Life Limited 33 Alfred Street, Sydney NSW 2000 The Aussie logo is a trade mark of AHL Investments Pty Ltd, ABN AUZ00528 NS /11

14 Premium Booklet Dated 1 January 2013 Premium tables and example premium payments This Premium Booklet forms part of the Loan Cover Product Disclosure Statement dated 1 January 2012 Loan Cover is issued by AMP Life Limited ABN , AFS Licence No

15 What is my premium made up of? The initial premium you pay depends on the insured person s gender, smoker status, current age and the amount of cover you choose at the time we start your plan. In 2013, the initial monthly premium includes a monthly plan fee of: $7.88, or on a joint plan $7.88 for the first insured person and $1.57 for the second insured person. In future years this fee may be increased in line with CPI. Large sum insured discounts are also applied for the levels of cover below: sum insured range premium discount percentage rate $150,000 - $249, % $250,000 - $750, % 1

16 Sample monthly premiums The table below sets out what you are likely to pay each month when you take out this plan. The table applies for plans commencing in Please refer to the Premium calculator on page 4 to work out a more exact premium. Males amount of cover $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $500,000 $600,000 $750,000 current age - non smoker current age - smoker Females amount of cover $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $500,000 $600,000 $750,000 current age - non smoker current age - smoker

17 4 Premium Calculator The premium calculator on this page, along with the tables below, lets you calculate your approximate monthly premium effective as at 1 January Premium rates are not guaranteed and may change in the future. Your Certificate of Insurance will show your initial monthly premium. Write the amount of your approved home loan here $ A example $350,000 Divide A by 1,000 A : 1,000 = Select the rate for your current age, gender, smoker status and sum insured range (from foldout below) Multiply B by C B x C = $ D Add monthly Plan Fee of $7.88 D + $7.88 = $ (add only $1.57 when doing this calculation for the second insured person) Your approximate monthly premium $ B C $350 Age 30, male non-smoker $350 x $31.28 $ $7.88 $39.16

18 Base premium rate for sum insured between $1 $149,999 male male female female non smoker non smoker smoker smoker non smoker non smoker smoker smoker age rate ($) age rate ($) age rate ($) age rate ($) age rate ($) age rate ($) age rate ($) age rate ($) * * * * * * * * * * * * * * * * * * * * Base premium rate for sum insured between $150,000 $249,999 male male female female non smoker non smoker smoker smoker non smoker non smoker smoker smoker age rate ($) age rate ($) age rate ($) age rate ($) age rate ($) age rate ($) age rate ($) age rate ($) * * * * * * * * * * * * * * * * * * * * Base premium rate for sum insured between $250,000 $750,000 male male female female non smoker non smoker smoker smoker non smoker non smoker smoker smoker age rate ($) age rate ($) age rate ($) age rate ($) age rate ($) age rate ($) age rate ($) age rate ($) * * * * * * * * * * * * * * * * * * * * * Base premium rates applicable to insured persons aged between 55 and 59 are renewal rates only.

19 Contact us Phone Fax You can also contact us at our website amp.com.au If you have an enquiry or complaint, please remember to advise your name, date of birth, address and plan number. Address Customer Service PO Box 300 Parramatta NSW 2124 AMP Life Limited 33 Alfred Street, Sydney NSW 2000 AUZ00593 NS /12

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