Mercer Super Trust Personal Superannuation Division PRODUCT DISCLOSURE STATEMENT 1 JULY 2012

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1 Mercer Super Trust Personal Superannuation Division PRODUCT DISCLOSURE STATEMENT 1 JULY 2012 CONTENTS 1. ABOUT THE PERSONAL SUPERANNUATION DIVISION HOW SUPER WORKS BENEFITS OF INVESTING WITH THE PERSONAL SUPERANNUATION DIVISION RISKS OF SUPER HOW WE INVEST YOUR MONEY FEES AND COSTS HOW SUPER IS TAXED INSURANCE IN YOUR SUPER HOW TO OPEN AN ACCOUNT...7 This Product Disclosure Statement ( PDS or Statement ), is a summary of the main features of the Personal Superannaution Division in the Mercer Super Trust. It contains a number of references to important information (each of which forms part of this PDS). You should consider the information in this PDS and the important information before making a decision about the Personal Superannaution Division. The information provided in this PDS is general information only and does not take into account your individual objectives, financial situation or needs. Because of this, before acting on the information you should consider its appropriateness, having regard to your objectives, financial situation and needs. You should obtain financial advice tailored to your personal circumstances. You can get a copy of this PDS and the important information at mercersupertrust.com using: Plan number Member number personal PIN 2983 or by calling the Helpline on (or if calling from overseas) from 8am to 7pm AEST Monday to Friday. The information contained in this PDS and the important information may change from time to time. If there is a material change we will tell you as required by law. For all other changes, you can get up to date information at mercersupertrust.com or by calling the Helpline for a copy of that information free of charge. If you have any questions about your super, contact us at: Mercer Superannuation (Australia) Limited ABN GPO Box 4303 Melbourne VIC 3001 Helpline Or visit mercersupertrust.com 1. ABOUT THE PERSONAL SUPERANNUATION DIVISION The Mercer Super Trust is a registered superannuation fund. It is made up of several divisions including the Corporate Superannuation Division the Personal Superannuation Division and the Allocated Pension Division. This PDS is only applicable to members of the Personal Superannuation Division of the Mercer Super Trust and is issued by Mercer Superannuation (Australia) Limited (MSAL) ABN , Australian Financial Services Licence # as trustee of the Mercer Super Trust ABN MERCER is a registered trademark of Mercer (Australia) Pty Ltd (Mercer) ABN Mercer is not responsible for the issue of this PDS nor does it make any recommendations regarding the Personal Superannuation Division of the Mercer Super Trust or guarantee the investment performance, earnings, or the return of any capital invested in it. MSAL is a wholly owned subsidiary of Mercer.

2 To become a member of the Personal Superannuation Division you need to meet the minimum contribution and/or minimum account balance requirements see How to open an account at the end of this PDS for more details. The trustee of the Mercer Super Trust also uses the Personal Superannuation Division as a means to continue to provide superannuation (super) and insurance benefits to former members of the Corporate Superannuation Division (CSD) who have stopped working for their employer or exercised choice of fund and are required to transfer their super benefit to another complying super fund. The Personal Superannuation Division sits within the Mercer Super Trust and operates under Government legislation and the governing rules of the Personal Superannuation Division. Mercer Superannuation (Australia) Limited (MSAL) is the trustee of the Mercer Super Trust and issues this PDS and the important information that is part of this PDS. In this PDS, MSAL is called trustee, we or us. 2. HOW SUPER WORKS Super is a means of saving for retirement which is, in part, compulsory and is supported by tax savings that are provided by the Government. For most employees, employers are required to pay an additional tax if they fail to contribute at least 9% of the employee s ordinary time earnings to a superannuation fund. These contributions are called Superannuation Guarantee (SG) contributions. Under choice of fund legislation most employees can choose a fund for their employer s SG contributions (this is called exercising choice ). But, if they don t exercise choice, the contributions are paid to the default fund selected by their employer. The Personal Superannuation Division is not the default fund selected by your employer. Different types of contributions can be made to the Personal Superannuation Division including: employer contributions including SG contributions, contributions from your before-tax pay (salary sacrifice) or your after-tax pay, spouse contributions, and Government contributions including co-contributions. You or your employer can make contributions to the Personal Superannuation Division. You can also choose to make regular personal contributions through the Regular Contributions Plan. Note there are minimum contribution and/or account balance requirements that must be met to be a member of the Personal Superannuation Division see How to open an account at the end of this PDS for more details. There are rules about, and limitations on, contributions to superannuation and when you can be paid your benefit. You can find more information at You should read the important information about contributions and payment of benefits in the How super works section of the Other things you should know booklet before making a decision. Go to mercersupertrust.com for more information. 3. BENEFITS OF INVESTING WITH THE PERSONAL SUPERANNUATION DIVISION As a member of the Personal Superannuation Division you are part of one of the largest superannuation master trusts in Australia and enjoy benefits like: competitive fees on-line access to your super details access to interactive planning tools at mercersupertrust.com regular newsletters and investment updates a helpline to answer many of your questions about your super. As well, there are a wide range of investment options to help you to reach your wealth goals in a tax effective superannuation environment. You should read the important information about the significant features and benefits of the Personal Superannuation Division in the How the Personal Superannuation Division works section of the Other things you should know booklet before making a decision. Go to mercersupertrust.com for more information. The material relating to how the Personal Superannuation Division works may change between the time you read this Statement and the day when you acquire this product. RECEIVING YOUR BENEFITS The amount of your benefit is your super account balance. And if you have insurance cover, your insured amount will also be paid if you become totally and permanently disabled or on your death (including terminal illness). You can request that your benefit be transferred to another superannuation fund at anytime or access your super as a cash payment in part or whole, if you meet certain requirements and subject to superannuation legislation. You may also choose to transfer your benefit to the Allocated Pension Division of the Mercer Super Trust in part or whole, if you meet certain requirements and subject to superannuation legislation. You should read the important information about receiving your benefits in the Benefits of investing with the Personal Superannuation Division section of the Your Fees and Benefits booklet. Go to mercersupertrust.com for more information. The material relating to receiving your benefits may change between the time you read this Statement and the day when you acquire this product. The material relating to contributions and payment of benefits in the Personal Superannuation Division may change between the time when you read this Statement and the day when you acquire this product. 2

3 4. RISKS OF SUPER There are a number of general risks to be aware of including the risk that superannuation laws may change in the future which may affect when you can be paid your super or the tax effectiveness of your super the amount of your future superannuation savings (including contributions and returns) may not be enough to provide adequately for your retirement needs the trustee may decide to amend the governing rules of the Personal Superannuation Division or even close it at some point in the future All investments, including super, carry some level of risk. Different investment options may carry different levels of risk depending on the assets that make up that investment option. Assets with the highest long term return may also carry the highest level of short term risk. You should be aware that: the value of investments in the investment options will vary (ie rise and fall) the level of returns for each investment option will vary and future returns may be different to past returns investment returns are not guaranteed and you may lose some of the money you have invested, and the level of risk that is acceptable to you may vary depending on a range of factors such as your age, your investment time frame, where other parts of your wealth are invested and your risk tolerance. The investment options in the Personal Superannuation Division have specific investment risks. These may include: market risk of major movements across a particular asset class inflation risk that your money fails to maintain its purchasing power due to inflation timing risk, timing issues may result in you making or liquidating an investment at an unfavourable price investment manager risk that a particular investment manager will underperform currency risk that overseas investments gain or lose value as a result of a falling or rising Australian dollar. You should read the important information about investment risks in the Understanding investment risk section of the Investment booklet before making a decision. Go to mercersupertrust.com for more information. The material relating to understanding investment risk may change between the time when you read this Statement and when you acquire this product. 5. HOW WE INVEST YOUR MONEY You can choose from a wide range of investment options, including: six Ready-made investment options, and a number of Select-your-Own investment options. The Ready-made options are designed to work with various investment strategies that are commonly chosen. With the Select-your-Own options you have the flexibility to achieve more specific investment objectives. The Investment booklet tells you all about these investment options. Warning: When choosing an investment option, you must consider the likely return of the investment option, the risks of the investment option and your investment timeframe. If you have not been automatically transferred from the CSD to the Personal Superannuation Division If you have not been automatically transferred from the CSD and you don t make a choice, your super will be automatically invested in Mercer Growth, the default investment option for the Personal Superannuation Division). If you have been automatically transferred from the CSD to the Personal Superannuation Division If you have been automatically transferred into the Personal Superannuation Division (PSD) from the CSD and have not previously had the choice of how to invest a part (or all) of your super, then that part (or all) of your super will be invested in the Mercer Cash investment option until you advise us otherwise. If you have been automatically transferred into the PSD from the CSD and have previously had the choice of how to invest any part of your super, then that part of your super will be invested in the same investment options as you chose in the CSD, where possible, or if not, in the investment options which most closely correspond to those in which your super was invested in the CSD at the time your super was transferred to the PSD. If you have been automatically transferred into the PSD from the CSD and have not had investment choice on your super account in the CSD or were a defined benefit member in the CSD any future cashflows (which includes contributions, rollovers and deductions for insurance premiums or fees) will be invested in the Mercer Cash investment option until you advise us otherwise. For all other members who have automatically transferred into the PSD from the CSD then any future cashflows (which includes contributions, rollovers and deductions for insurance premiums or fees) will be invested in the same investment option(s) that you chose to apply to your future contributions or rollovers in the CSD, where possible, or if not, in the investment options which most closely correspond to your chosen investment(s) for future contributions or rollovers in the CSD at the time your super was transferred to the PSD until you advise us otherwise. Most of the investment options in the CSD are the same as in the PSD except for the Schroders Growth and the Ford Select investment options. These investment options do not have an exact PSD equivalent and hence will be matched to the Mercer Growth investment option in the PSD. 3

4 ABOUT MERCER GROWTH DESCRIPTION This option invests mainly in growth assets across most asset classes including Australian and overseas shares. It is designed for members who want exposure to mainly growth assets and can tolerate a medium level of risk over 5 years. OBJECTIVE achieve a return (after tax and investment management fees) that exceeds CPI increases by at least 3% pa over rolling five year periods achieve a return (over the medium to longer term) which is competitive with comparable funds that have a similar allocation to growth assets and similar risk characteristics STANDARD RISK MEASURE Medium means that between two and three annual negative returns are expected over any 20 year period MINIMUM SUGGESTED TIMEFRAME 5 years ASSET ALLOCATION Growth / Defensive benchmark (ranges shown in brackets) The growth defensive exposure has been determined using the growth defensive enhanced investment process. This process is explained in the Investment booklet. (a) (b) (c) (d) (e) May include currency hedging to Australian dollars. May include exposure to overseas investments which may have currency exposure hedged to Australian dollars. Currency exposure normally substantially or fully hedged to Australian dollars. Includes exposure to small companies. Includes exposure to small companies and emerging markets. You should read the important information about how we invest your money in the Investment booklet before making a decision. This tells you about: the Personal Superannaution Division s investment options; how to change your investment options (called switching investment options); how we can change the investment options; the growth defensive enhanced investment process; the extent to which labour standards or environmental, social or ethical considerations are taken into account (in the Socially Responsible Investing section). Go to mercersupertrust.com for more information. The material relating to how we invest your money may change between the time when you read this Statement and the day when you acquire this product. 6. FEES AND COSTS DID YOU KNOW? Asset Class Range % Benchmark % Shares Australian shares (d) Overseas shares (a) (e) Opportunistic (b) Real Assets Property & Infrastructure (b) Natural Resources (b) Opportunistic (b) Alternative assets (b) Fixed Interest Sovereign bonds (c) Inflation Linked Bonds (c) Global Credit (c) Opportunistic (b) Cash 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. 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 ( has a superannuation fee calculator to help you check out different fee options. 4

5 The table below shows the fees and costs that you may be charged in the Personal Superannuation Division of the Mercer Super Trust for the Mercer Growth investment option, the default investment option for the Personal Superannuation Division. These fees and costs may be deducted from your super account balance, from the returns on your investment or from the Mercer Super Trust as a whole. The information in the table can be used to compare costs between different superannuation products. Type of Fee or Cost Amount Fees when your money moves in or out of the Personal Superannuation Division of the Mercer Super Trust Establishment fee Contribution fee Withdrawal fee Termination fee Management Costs 1 The fees and costs for managing your investment Nil Nil Nil Nil The following management costs apply: An estimated management cost for this investment option is charged which depends on the value of your super account balance as shown below: Value of your super account balance as at last day of each month Estimated management costs (% pa of your super account balance) First $250,000 From 1.92% to 2.07% Next $250,000 From 1.47% to 1.62% Balance over $500,000 From 0.77% to 0.92% The estimated management costs include investment management fees, administration fees, an expense allowance range and an estimated performance fee range (if applicable). 1 The estimated management costs include a fee that may be payable to an adviser. See Adviser Remuneration Fee in the Additional explanation of fees and costs section of the Your Fees and Benefits booklet for further details. Adviser service fees (which are negotiable) may also apply. See Adviser Remuneration Fee and Adviser Service Fee in the Additional explanation of fees and costs section of the Your Fees and Benefits booklet for further details. If you have chosen a Mercer SuperAdvice-financial advice package, there may also be a fee for this package. The Statement of Advice given to you by your adviser will tell you the amount of any fee payable. See the Additional explanation of fees and costs section of the Your Fees and Benefits booklet for further details about the Mercer SuperAdvice - financial advice packages you can choose from. A Family Law fee and a No-TFN tax refund fee may also apply. See the Additional explanation of fees and costs section of the Your Fees and Benefits booklet for further details. EXAMPLE OF ANNUAL FEES AND COSTS FOR THE MERCER GROWTH INVESTMENT OPTION This table gives an example of how the fees and costs in the Mercer Growth investment option in the Mercer Super Trust can affect your superannuation investment over a 1 year period. You should use this table to compare this product with other superannuation products. Example the Mercer Growth Investment Balance of $50,000 with total contributions of $5,000 during year Option Contribution Fees 0% For every $5,000 you put in, you will be charged $0. PLUS Management Costs EQUALS Cost of fund 1.92% to 2.07% And, for every $50,000 you have in the fund you will be charged between $960 and $1,035 each year. If you put in $5,000 during a year and your balance is $50,000, then for that year you will be charged fees of: From $960 to $1,035 What it costs you will depend on the investment option you choose and the fees you negotiate with your fund or financial adviser. You may wish to use the calculator provided by ASIC on its moneysmart website ( to calculate the effect of the fees and costs on your super account balance. FEE CHANGES The trustee has the right to change fees at any time, without your consent. We will give you at least 30 days written notice of any such increase in fees. 5

6 You should read the important information about fees and costs including information about the fees and costs of each investment option in the Personal Superannuation Division in the Fees and costs section of the Your Fees and Benefits booklet before making a decision. Go to mercersupertrust.com for more information. The material relating to the fees and costs may change between the time when you read this Statement and the day when you acquire this product. 7. HOW SUPER IS TAXED Superannuation is generally taxed at three stages: CONTRIBUTIONS PAID INTO A SUPER FUND Tax on contributions is deducted from your super account. Employer contributions (including SG employer contributions) and salary sacrifice contributions are generally taxed at 15%*. The tax is paid on your net contributions after deducting relevant fees and the relevant part of insurance premiums. After-tax contributions are generally tax free. There are limits on the amount of contributions that are concessionally taxed or tax free. The trustee pays the 15% contribution tax to the Australian Tax Office. * The Government has also announced that an additional tax will apply to contributions for higher income earners from 1 July SUPER PAYOUTS FROM A SUPER FUND Super payouts from the Personal Superannuation Division may be taxed if your age is less than 60. Once you turn 60, generally no tax applies to super payouts (although tax may be payable on some death payouts). Any tax payable is deducted from your super payout before it is paid to you. Different rules may apply if you are not an Australian or New Zealand citizen or permanent resident. The trustee pays any tax it deducts from super payouts to the Australian Tax Office. INVESTMENT INCOME OF A SUPER FUND Investment earnings are generally taxed at up to 15% and this tax is deducted from investment earnings before the unit price is determined. The trustee pays the tax on investment income to the Australian Tax Office. Warning: Limits apply to the amount of contributions that are concessionally taxed or tax free in any financial year. These limits are called contribution caps. It is important to be aware that additional tax may be payable if these contributions caps are exceeded in a financial year. Warning: It is important that you provide the trustee with your Tax File Number (TFN) when you join the Personal Superannuation Division. If the trustee does not have your TFN: the trustee will only be able to accept employer contributions (including salary sacrifice contributions) made for you. No other contributions can be accepted including non-concessional and Government cocontributions; you will pay higher tax on employer contributions (including salary sacrifice) made for you; and you may pay more tax than you need to on your super payout. You should read the important information about tax and super in the How super is taxed section of the Other things you should know booklet before making a decision. Go to mercersupertrust.com for more information. The material relating to tax and super may change between the time when you read this Statement and when you acquire this product. 8. INSURANCE IN YOUR SUPER If eligible, the insurance cover generally available through the Personal Superannuation Division is: death (including terminal illness) and total and permanent disablement (TPD) cover. DEATH AND TPD COVER All members of the Personal Superannuation Division (including those who have been automatically transferred to the CSD) can apply for death only or death and TPD insurance cover by completing and returning the relevant form, which can be obtained by calling the Helpline on If you have been automatically transferred from the CSD and you previously had insurance cover in the CSD, then that insurance cover will generally automatically continue in the Personal Superannuation Division subject to any exclusions, restrictions or premium loadings that applied to your cover in the CSD. You can apply to change or cancel your death only or death and TPD cover at anytime by completing and returning the relevant form available by calling the Helpline on The cost of your death only or death and TPD insurance cover depends on your age, your gender and the amount of insurance cover you have and ranges between $0.17 and $65.99 for females and ranges between $0.42 and $65.98 for males for each $1,000 worth of insurance cover you have. The cost of your insurance cover is deducted monthly from your super account. Warning: Insurance premiums for death only or death and TPD cover will be deducted from your super account until your application to cancel your insurance cover is received and accepted by the trustee. Please note that the insurer may require satisfactory evidence of good health, financial details and other evidence before providing death only or death and TPD insurance cover, or before you can increase your level of death only or death and TPD insurance cover. 6

7 Warning: The important information about: your eligibility for insurance cover in the Personal Superannuation Division; and the terms, conditions and exclusions applicable to the insurance cover in the Personal Superannuation Division, may affect your entitlement to insurance cover and should be read before deciding whether the insurance cover available in the Personal Superannuation Division is appropriate for you. 9. HOW TO OPEN AN ACCOUNT To become a member of the Personal Superannuation Division you must meet the minimum contribution and/or minimum account balance requirements this means: You should read the important information about your insurance in the Insurance in your super section of the Your Fees and Benefits booklet including: are you eligible for insurance cover? the amount and cost of your insurance cover continuing your death and TPD cover after you leave the Corporate Superannuation Division and the important information in the Insurance booklet including: key insurance terms, conditions and exclusions before making a decision. Go to mercersupertrust.com for more information. The material relating to your insurance may change between the time when you read this Statement and the day when you acquire this product. you have at least $500 to invest in the Personal Superannuation Division to open your account and agree to make regular contributions through a Regular Contributions Plan; or you have at least $1,000 to be invested or transferred into the Personal Superannuation Division to open your account. If you have not been automatically transferred from the CSD to the Personal Superannuation Division If you are joining the Personal Superannuation Division and you have not been automatically transferred from the CSD, you will also need to complete the application form. Once you have completed, signed and dated the application form, return it (together with any other relevant forms ) to us at Mercer Super Trust Retail Reply Paid 13 Collins Street East Melbourne VIC 8003 Please note that when completing the application form, if you don t fill out the Investment section, the default investment option will apply which may not be the most suitable choice for your particular circumstances. The default investment option for members joining the Personal Superannuation Division who have not been transferred from the CSD is the Mercer Growth investment option. If you have been automatically transferred from the Corporate Superannuation Division to the Personal Superannuation Division If you have been automatically transferred from the CSD to the Personal Superannuation Division you do not need to complete the application form to join the Personal Superannuation Division. However, if you do not complete and return to the trustee the application form with the investment section filled out, the default investment option will apply which may not be the most suitable choice for your particular circumstances. The default investment option for members who have been automatically transferred from the CSD to the Personal Superannuation Division is as described in the How we invest your money section of this PDS. For all members You should read all the information in this PDS and the important information referred to in the PDS before making any decisions concerning your super including your investment choices. ENQUIRIES AND COMPLAINTS If you have an enquiry or a complaint you can: call the Helpline on or write to the Mercer Super Trust s Enquiries and Complaints Officer, Mercer Super Trust, GPO Box 4303, Melbourne VIC COOLING OFF You have 14 days after you commence your membership in the Mercer Super Trust during which you can cancel your membership. This is called the cooling off period. You should read the important information about enquiries or complaints procedures and cooling off in the How to open an account and Cooling off sections of the Other things you should know booklet before making a decision. Go to mercersupertrust.com for more information. The material relating to enquiries or complaints procedures and cooling off may change between the time when you read this Statement and the day when you acquire this product. 7

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9 Application form to join the Personal Superannuation Division of the Mercer Super Trust Please print in black or blue pen, in uppercase, one character per box. A This application form is for applying for participation in the Mercer Super Trust under the Product Disclosure Statement dated 1 July 2012 (PDS). It is also for members who have transferred from the Corporate Superannuation Division of the Mercer Super Trust to the Personal Superannuation Division of the Mercer Super Trust. About this form We need you to fill out this form to let us know: your details which investment option you d like your money invested in your tax file number if any adviser fees should apply. Once you ve completed the application form, don t forget to sign and date it and return it (and any other relevant forms) to us at: Mercer Super Trust Retail Reply Paid 13 Collins Street East Melbourne VIC 8003 If you re unsure of your decisions, we recommend that you see a licensed, or appropriately authorised, financial adviser. If you want to provide us your beneficiary details or your Tax File Number, please call the Helpline on or visit the Mercer Super Trust website at mercersupertrust.com to obtain the appropriate form. To keep you informed we need to know your contact details Start here Please print in black or blue pen, in uppercase, one character per box. A 3 Title Mr Mrs Ms Miss Date of birth / / Given names Surname Home address Suburb State Postcode Telephone Mobile - see note below - - see note below Providing your address and mobile phone number The trustee currently provides information such as member and exit statements, notices of any material changes or occurrences of significant events and member publications (such as Your Wealth ) in a written form. In the future the trustee may (where permitted by law) provide this type of information, together with any marketing or research material by electronic means. By providing your address or mobile phone number you agree to receive this type of information and/or marketing and research material electronically (when applicable in that form) by (which may include a link to a website from where it can be downloaded) or, (where applicable) by mobile phone. Are you an employee of Mercer (Australia) Pty Ltd or Marsh & McLennan Companies Inc or a related company? Tick one. Yes No If you are a family member of such an employee, provide: Name of Employee Your relationship to this employee Application form to join the Personal Superannuation Division of the Mercer Super Trust 07/2012 continued over *MSTCF.Y01HI1* Issued by Mercer Superannuation (Australia) Limited (MSAL) ABN , AFSL #235906, as trustee of the Mercer Super Trust, ABN Address: GPO Box 4303, Melbourne Vic Tel: Mercer is a registered trademark of Mercer (Australia) Pty Ltd ABN

10 To keep you informed we need to know your contact details (continued) Are you self-employed? Yes No Date joined Employer / / Employer s name Investment Take control of how your super is invested You can choose one or more of the Ready-made or Select-your-Own investment options or a mix of both. Please ensure the total adds to 100% otherwise the default investment option will apply until we receive a valid investment option selection. Any investment option(s) you choose on this application form will apply to all future cash flow into or out of your super account (from the date we receive your application form) including contributions made to your super and any amounts transferred in. If you wish to change your investment option(s) for your existing account balance (if any), please call the Helpline on If you don t make a selection, you ll automatically be invested in the default investment option (please see the How we invest your money section of the PDS to see which default investment option applies to you). I d like to invest in the following investment options (maximum of 10): Ready-made investment options Percentage to be invested Mercer Shares % Mercer High Growth % Mercer Growth % Mercer Moderate Growth % Mercer Conservative Growth % Mercer Cash % Select-your-Own investment options (list any chosen Select-your-Own option in the space below) 1. % 2. % 3. % 4. % 5. % 6. % 7. % 8. % 9. % 10. % Total (must equal 100%) % Application form to join the Personal Superannuation Division of the Mercer Super Trust 07/2012 *MSTCF.Y01HI2*

11 Insurance Protect your family s financial wellbeing think about death & disability cover Please refer to the PDS for details about the death and disability cover available through the Personal Superannuation Division of the Mercer Super Trust. Let us know your tax file number Your tax file number is confidential and you don t have to give it to the Mercer Super Trust. It is not an offence to not provide your tax file number. However, you may pay more tax than you have to if you don t supply it. My tax file number is Special note: In line with the Superannuation Industry (Supervision) Act 1993, the trustee of the Mercer Super Trust is authorised to ask for your tax file number (TFN). The trustee will only use your TFN for lawful purposes. These purposes may change in the future if there are changes to legislation. The trustee may pass your TFN to any other super fund or account to which your super is transferred in the future unless you request in writing that this not be done. By providing your TFN: the trustee will be able to accept all types of contributions made by you or for you (some limits may apply); you can avoid paying tax at a higher rate than would otherwise apply on your contributions; you can avoid having tax deducted at a higher rate than would otherwise apply on your super payout; and it will be easier for you to find your super in the future and ensure that you receive all of your super benefit when you retire. Choosing not to provide your TFN is not an offence. However, if you don t provide your TFN now or in the future: the trustee will only be able to accept contributions made for you by your employer. No other contributions, for example, after-tax contributions can be accepted; you may pay more tax on contributions made for you by your employer. In some circumstances you may be able to claim back this additional tax, however time limits, fees and other rules may apply; and you may pay more tax on your super payout than you would otherwise (although you can claim this back when you lodge your tax return). Date of birth / / Your name Adviser fees Please complete and sign this section if adviser fees have been agreed with your financial adviser. Adviser remuneration fee Only complete this section if you agree to the payment of one or both of these fees (as described below). If these boxes are not ticked, the fee(s) described below will not be paid to your adviser. I agree to an adviser fee of 0.45% pa to be paid to my adviser. The amount is paid by the trustee out of management costs and is not an additional charge to me. I agree to an additional adviser remuneration fee of;. % p.a. (up to 1%p.a.) OR $,..p.a. to be deducted monthly from my account balance and paid to my adviser. Please note that if you do not indicate a percentage or an equivalent dollar amount (as described above), no additional adviser remuneration fee will be deducted from your super account balance. Continued over Application form to join the Personal Superannuation Division of the Mercer Super Trust 07/2012 *MSTCF.Y01HI3*

12 Adviser fees (continued) Adviser service fee I agree to an adviser service fee of. % (up to 3%) to be deducted from my investments in the Personal Superannuation Division (this excludes investments in Mercer Cash and any amount transferred from the Corporate Superannuation Division). Please note that if you do not indicate a percentage, no adviser service fee will be deducted from your investment or paid to your adviser. I give authority for my adviser (named below) to access any information in relation to my account in the Personal Superannuation Division of the Mercer Super Trust. Adviser name Member Signature Adviser phone Date / / Advisor number Advisor Stamp Office location Adviser Signature Date / / Sign the form Don t forget to sign and return this form to the Mercer Super Trust. You should also keep a copy for your records. By signing this form, I: acknowledge that I have received all information I require in order to exercise the choices I have made. apply (except where I have transferred from the Corporate Superannuation Division) to be a member of the Personal Superannuation Division of the Mercer Super Trust. accept that I will be bound by the provisions of the trust deed, and designated rules which govern the operation of the Personal Superannuation Division and Mercer Super Trust. understand that my personal information will be handled by the Mercer Super Trust to provide and manage my super. Without this information it may not be able to provide my super and choices. For this purpose, my personal information may pass between the trustee of the Mercer Super Trust and its administrator, professional advisers, insurers, government bodies or my employer. It may also be disclosed to any related or other third party as required (either by the trustee of the Mercer Super Trust or by its service providers), including the trustee of any other super fund that my super is transferred to. I also agree that my personal information can be used for marketing and research purposes and/or for searching the lost member register of the Australian Taxation Office (unless I have requested you not to do so by contacting the Helpline on ). I understand I can access my information by contacting the Privacy Officer of the Mercer Super Trust. acknowledge that if I provided my address and/or mobile phone number in this application form, the trustee may, at its discretion, use that address or mobile phone number (as amended and notified to the trustee from time to time): to send me information concerning my super, including member and exit statements, notices of material changes or occurrence of significant events, member publications (such as Your Wealth ); and for marketing and research purposes, including sending me information about other financial products or services offered by the trustee or any of its related parties (unless I have requested you not to do so by contacting the Helpline on ). acknowledge that the trustee may provide any of the member communications and/or marketing and research material that are permitted by law to me electronically either by: sending it to me by (which may include a link to a website from where it can be downloaded) where I have provided my address; and/ or making it available to me on a website from where it can be downloaded. acknowledge that where the trustee is unable to accept certain contributions made by me, or on my behalf, then those contributions will be returned by the trustee to me or the person or organisation (including my employer) who made the contribution on my behalf and any such contribution will generally not form part of my super account balance. consent to the trustee paying fees (as set out in the Adviser fees section of this Application form) to the adviser who has stamped this application form, and unless I instruct the trustee otherwise, to the trustee providing relevant account information to that adviser. acknowledge that I have read and understood the attached PDS and agree to be bound by it. I understand that the important information referred to in the PDS forms part of the PDS and should be read before I make a decision about the Personal Superannuation Division of the Mercer Super Trust. Signature 7 Date / / Application form to join the Personal Superannuation Division of the Mercer Super Trust 07/2012 *MSTCF.Y01HI4*

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