North Investment Options

Transcription

1 North Options Contents Guaranteed investment options Discounted investment options Standard investment options Standard Measure Other important information This document outlines the investment options available through the North Super and Pension product disclosure statement (PDS), North Super and Pension Guarantee PDS, North investor directed portfolio service guide (IDPS) guide and the North Guarantee PDS North offers a range of investment options featuring: over 0 managed funds listed securities on the Australian Securities Exchange (ASX) exchange traded funds (ETFs) and exchange traded commodities (ETCs) listed investment companies (LICs) and listed investment trusts (LITs) Australian real estate investment trusts (AREITs), and term deposits. From time to time, we ll add or remove investment options. We recommend you consult your financial adviser before selecting the specific investment options for your investment strategy. The investment costs presented in this document are estimates only and include the management fee and expense recoveries, but exclude abnormal operating expenses and any performance fees that may be charged. Before selecting an investment option, you should refer to the latest investment costs set out in the relevant product disclosure statement for the particular fund. For more information on fees and costs please refer to the North Super and Pension PDS Part A, North Super and Pension Guarantee PDS Part B, North IDPS guide or the North Guarantee PDS as applicable to you. Please submit all investment instructions through North Online, available via northonline.com.au. Issue date 0 December 20 Registered trademark of the National Mutual Life Association of Australasia ABN AFS Licence No. 29

2 Guaranteed investment options Investors who have selected a Guarantee between 29 July 20 and 20 February 20 may choose from these funds: AMP Capital Cash Management Trust (W) North Cash Account North Guardian Moderately Defensive Fund North Guardian Balanced Fund North Guardian Growth Fund Please note that the funds available to you will vary depending on the investment strategy you have selected. For more information, please read the North Super and Pension PDS Part B or North Guarantee PDS. Investors who have selected a Guarantee between 0 April 202 and 28 July 20 may choose from these funds: AMP Capital Cash Management Trust (W) North Cash Account North Active Defensive North Active Moderately Defensive North Active Balanced North Active Growth North Active Growth North Index Defensive North Index Moderately Defensive North Index Balanced North Index Growth North Index Growth Investors who have selected a Guarantee before 9 April 202 may choose from these funds: North Cash Account Aberdeen Income Focused Bond Fund AMP Capital Australian Equity Value Fund (W) AMP Capital Cash Management Trust (W) Ausbil Australian Active Equity Fund BlackRock Indexed Australian Bond Fund BlackRock Indexed Australian Equity Fund BlackRock Indexed Australian Listed Property Fund BlackRock Indexed International Equity Fund BlackRock Scientific Australian Equity Fund BT Core Australian Share Fund (W) BT Core Global Share Fund (W) Colonial First State Australian Share Fund Core (W) Fidelity Australian Equities Fund GMO Australian Equity Trust GMO Global Equity Trust Maple-Brown Abbott Australian Share Fund (W) Perennial Value Shares Trust (W) North Active Defensive North Active Moderately Defensive North Active Balanced North Active Growth North Active Growth North Index Defensive North Index Moderately Defensive North Index Balanced North Index Growth North Index Growth Perpetual Australian Share Fund (W) Schroder Australian Equity Fund (W) Schroder Global Core Fund Tyndall Australian Share Portfolio (W) UBS Australian Share Fund UBS Cash Fund Vanguard Australian Fixed Interest Index Fund (W) Vanguard Australian Property Securities Index Fund (W) Vanguard Australian Shares Index Fund (W) Vanguard International Fixed Interest Index Fund (Hedged) (W) Vanguard International Shares Index Fund Vanguard International Shares Index Fund (Hedged) 2

3 Discounted investment options Managed funds APIR code label Cash Option NML008AU AMP Capital Cash Management Trust (W) 0.2 North Active IPA008AU North Active Defensive /0.2 IPA00AU North Active Moderately Defensive /0. IPA00AU North Active Balanced /0.2 IPA009AU North Active Growth /0.2 IPA000AU North Active Growth /0.2 North Index NMM0AU North Index Defensive (i) /0.08 NMM02AU North Index Moderately Defensive (i) 0. NMM0AU North Index Balanced (i) /0.2 NMM0AU North Index Growth (i) 0. 0./0. NMM0AU North Index Growth (i) 0. 0./0. North Professional Series IPA0AU North Professional Conservative (ii) /0.8 IPA0080AU North Professional Moderately Conservative (ii) /0.2 IPA00AU North Professional Balanced (ii) /0.2 IPA00AU North Professional Alternative Balanced (ii).0 0.2/0.2 IPA008AU North Professional Growth (ii) /0.28 IPA009AU North Professional Growth (ii).0 0.2/0.2 AMP Capital Goals Based Series AMP0AU AMP Capital Corporate Bond Fund 0.2 AMP90AU AMP Capital Equity Income Generator IPA00AU AMP Capital Income Generator (iii) /0. AMP8AU AMP Capital Multi Asset Fund (ii).0 0.0/0. IPA08AU AMP Capital Premium Growth Fund (ii).9 0.9/0.8 Specialists Series and Other Funds AMP92AU Dynamic Markets Fund (ii) /0. AMP08AU Specialist Australian Share Fund 0.82 AMP09AU Specialist Australian Small Companies Fund (ii).8 0./0. AMP992AU Specialist Diversified Fixed Income Fund 0.2/0. AMP099AU Specialist Geared Australian Share Fund (iv).(g)/2.(n) 0.0/0.0 AMP082AU Specialist International (Hedged) Share Fund (ii).09 AMP082AU Specialist International Share Fund.09 AMP990AU Specialist Property and Infrastructure Fund. 0.0/0.2

4 label AMP Capital Experts' Choice Series HLR000AU AMP Capital Experts Choice Balanced Fund /0.2 HLR000AU AMP Capital Experts Choice Conservative Fund 0.2/0. HLR000AU AMP Capital Experts Choice Growth Fund 0.2/0.2 HLR000AU AMP Capital Experts Choice Diversified Interest Income Fund /0.09 HLR0022AU AMP Capital Experts Choice Property and Infrastructure Fund.0 0.2/0.2 HLR000AU AMP Capital Experts Choice Short Term Money Market Fund 0.0 ipac Life Choices Series IPA0AU ipac Life Choices Active 0 (ii) /0.2 IPA0AU ipac Life Choices Active 0 (ii) /0.2 IPA0AU ipac Life Choices Active 8 (ii) /0.28 IPA0AU ipac Life Choices Active 00 (ii).0 0.0/0.0 IPA0AU ipac Life Choices Alternative Balanced (ii).0 0.2/0.2 IPA08AU ipac Life Choices Income Generator (ii) /0.22 IPA09AU ipac Life Choices Index /0. IPA00AU ipac Life Choices Index /0. IPA0AU ipac Life Choices Index /0. IPA02AU ipac Life Choices Premium Growth (ii).9 0.9/0.8 (i) (ii) (iii) (iv) The registered name of each of these funds is different to that shown in this document. For more information, please refer to the fund s PDS. cost is exclusive of any performance fee, however this investment option may charge a performance fee. Please refer to the fund s PDS for information about how the performance fee is calculated. This investment option will distribute income monthly in cash. The investment option may also pay any realised capital gains and any other distributable. The investment cost is based on the gross (g) and net (n) assets of the fund. The gross investment cost calculation includes borrowings. Term deposits Provider AMP ANZ Adelaide Bank Westpac Please refer to northonline.com.au for the current list of terms and rates. Term deposits are not currently available on accounts with a Guarantee. Cash Account Please refer to northonline.com.au for the Cash Account performance report.

5 Standard investment options Managed funds APIR code label Multisector Cautious SBC08AU UBS Defensive Fund /0. Conservative ETL02AU Allan Gray Australia Opportunity Fund (iii) 0. BAR08AU Blackrock Scientific Diversified Stable Fund /0. IPA09AU North Guardian Moderately Defensive Fund (i) 0.9 VAN009AU Vanguard Conservative Index Fund /0.2 Balanced BAR08AU BlackRock Scientific Diversified Growth Fund 0.9 PWA0822AU BlackRock Wholesale Balanced Fund /0.8 FSF0008AU Colonial First State Diversified Fund (W) 0.9 IPA0AU North Guardian Balanced Fund (i) /0.2 MMF0AU Onepath Wholesale Managed Growth Trust (iii),(vi). 0.0/0.0 PER00AU Perpetual Balanced Growth Fund (W).0 0./ SCH002AU Schroder Balanced Fund - Wholesale Class 0.22/0.22 SBC08AU UBS Balanced Fund 0.9 VAN008AU Vanguard Balanced Index Fund 0. 0./0. Moderately Aggressive DFA0029AU Dimensional Multi-Factor Growth Trust (ii) 0.8 IPA08AU North Guardian Growth Fund (i) /0. VAN00AU Vanguard Growth Index Fund /0.2 Aggressive VAN0AU Vanguard Growth Index Fund /0.2 Specialist CRS000AU Aberdeen Multi Asset Income fund /0.20 CRS0002AU Aberdeen Multi Asset Real Return Fund 0.8 MAL008AU BlackRock Global Allocation Australian Fund (iii) /0.0 MAL0029AU BlackRock Global Allocation Fund /0.0 SCH009AU Schroder Real Return CPI +.% Fund Wholesale Class /0.8 2 Low SCH00AU Schroder Real Return CPI +% Fund - Wholesale Class SST002AU State Street Retirement Lifestyle Builder Fund /0.0 SST00AU State Street Retirement Lifestyle Sustainer Fund /0.28 SST00AU State Street Retirement Lifestyle Provider Fund /0.2 Cash Cash and Deposits SBC08AU UBS Cash Fund 0.2 Short Term Fixed Interest DDH0009AU DDH Cash Fund 0.22

6 label Cash (continued) Short Term Fixed Interest (continued) DFA000AU Dimensional Short Term Fixed Interest (ii) 0.9 MAQ020AU Macquarie Australian Diversified Income Fund /0.20 VAN002AU Vanguard Cash Plus Fund 0.29 Fixed Interest Australian Fixed Interest CRS000AU Aberdeen Australian Fixed Income Fund /0.0 CSA00AU Aberdeen Income Focused Bond Fund 0.2 /0.0 CRS0008AU Aberdeen Inflation Linked Bond Fund /0. AMP098AU AMP Capital Wholesale Australian Bond Fund 0.8 BGL00AU BlackRock Indexed Australian Bond Fund /0.0 RFA08AU BT Fixed Interest (W) / WFS0AU BT Wholesale Enhanced Cash Fund /0.0 TYN00AU Nikko AM Australian Bond Fund /0.0 IOF00AU Henderson Cash Enhanced Fund 0. IOF0AU Henderson Tactical Income Fund 0. ETL00AU PIMCO Australian Bond Fund (W) 0.0 /0.0 ETL082AU PIMCO Wholesale Australian Focus Fund 0.0 /0.0 SBC08AU UBS Australian Bond Fund /0.0 VAN000AU Vanguard Australian Fixed Interest Index Fund (W) 0.2 VAN002AU Vanguard Australian Government Bond Index Fund /0.08 Diversified Fixed Interest BTA08AU BT Wholesale Monthly Income Plus Fund /0.0 HOW002AU Kapstream Absolute Return Income Fund (W) 0.0 MAQ02AU Macquarie Diversified Fixed Interest Fund (iii) /0.08 ETL00AU PIMCO Diversified Fixed Interest Fund (W) 0.0 /0.0 SCH0028AU Schroder Fixed Income Fund - Wholesale Class /0.2 SBC000AU UBS Diversified Fixed Income Fund /0. Global Fixed Interest ADV00AU Advance International Fixed Interest Multi Blend Fund 0. AMP0AU AMP Capital Future Directions International Bond Fund (iii) 0.0/0.20 BGL0008AU BlackRock Global Bond Index Fund /0. DFA008AU Dimensional Five-Year Diversified F/I (ii) 0.28 /0.0 DFA0028AU Dimensional Global Bond Trust (ii) 0. /0.0 DFA0002AU Dimensional Two-Year Diversified F/I (ii) 0.2 /0.0 GSF0008AU Payden Global Income Opportunities (iii) 0.0 ETL008AU PIMCO Global Bond Fund (W) 0.9 /0.0 ETL0020AU PIMCO Global Real Return Fund (W) 0. /0.20 ETL098AU T. Rowe Price Dynamic Global Bond 0. VAN00AU Vanguard International Fixed Interest Index Fund (Hedged) (W) 0.2 Annuities (iv) MLT000AU Challenger Guaranteed Income Fund (.8 cents p.a. 0 September 208)

7 label Fixed Interest (continued) Annuities (iv) MLT000AU Challenger Guaranteed Income Fund (. cents p.a. March 2020) MLT000AU Challenger Guaranteed Income Fund (.00 cents pa 0 Sep 2022) Specialist ACM000AU AllianceBernstein Dynamic Global Fixed Income Fund /0. FRT00AU Franklin Templeton Multisector Bond Fund (W) 0.9 JBW009AU Goldman Sachs Global Strategic Bond Fund PER02AU JPMorgan Global Strategic Bond Fund /0. SSB00AU Legg Mason Brandywine Global Opportunistic Fixed Income Fund (Class A) /0.09 Credit CSA008AU Bentham Global Income Fund (W) 0. 0./0. CSA00AU Bentham Syndicated Loan Fund (W) /0. MAL002AU BlackRock Monthly Income Fund (W) 0. /0.20 FSF008AU Colonial First State Global Credit Income Fund (W) 0. MAQ02AU Macquarie Income Opportunities Fund /0. PER020AU Perpetual Diversified Income Fund (W) 0.0 ETL009AU PIMCO Global Credit Fund (W) 0. /0.20 PMC00AU PM Capital Enhanced Yield Fund (iii) 0. PGI000AU Principal Global Credit Opportunities Fund 0./0. SCH00AU Schroder Credit Securities Fund - Wholesale Class 0. UBS000AU UBS Diversified Credit Fund /0.2 VAN00AU Vanguard International Credit Securities Indexed Hedged Fund 0. Property Australian Property NML000AU AMP Capital Wholesale Australian Property Fund (v).0 NFS0209AU Antares Listed Property Fund /0. APN0008AU APN AREIT Fund 0.8 AUS00AU Australian Unity Healthcare Property Trust Class A Units 2.0/0.0 BGL008AU BlackRock Indexed Australian Listed Property Fund 0.20 RFA08AU BT Property Fund (W) / CRM008AU Cromwell Direct Property Fund (iii) CRM002AU Cromwell Phoenix Core Listed Property Fund. PAL0002AU Ironbark Paladin Property Securities Fund 0.89 SSB002AU Legg Mason Australian Real Income Fund 0. SSB028AU Legg Mason Property Securities Trust Class A 0. HBC0008AU SG Hiscock Property Securities Fund (W) 0.8 CRS000AU SG Hiscock Wholesale Property Fund /0.0 SBC08AU UBS Property Securities Fund /0. VAN000AU Vanguard Australian Property Securities Index Fund (W) 0.2 ZUR00AU Zurich Australian Property Securities Fund /0.0 Diversified Property AMP0AU AMP Capital Core Property Fund Class A (v).2 0./0.

8 label Property (continued) Global Property AMP09AU AMP Capital Global Property Securities Fund 0./0. DFA000AU Dimensional Global Real Estate Trust (ii) 0.2 ETL000AU SGH LaSalle Global Listed Property Securities Fund.0 GTU00AU Invesco Wholesale Global Property Securities Fund (Hedged) /0. MGL000AU Ironbark Global (Ex-Australia) Property Securities Fund.9 0.0/0.0 MPL0008AU Maple-Brown Abbott Global Listed Infrastructure Fund (Hedged) /0.2 IOF008AU Resolution Capital Global Property Securities Fund (Hedged) Series II.0 0.0/0.0 IOF08AU Resolution Capital Global Property Securities (Unhedged) Series II.0 0.0/0.0 WHT00AU Resolution Capital Property Securities Fund 0.0/0.0 HML00AU UBS Clarion Global Property Securities Fund VAN008AU Vanguard International Property Securities Index Fund /0. VAN009AU Vanguard International Property Securities Index Fund (Hedged) /0.8 Australian Equities Income PPL0002AU Antares Dividend Builder /0. ETL08AU Armytage Australian Equity Income Fund 0.9 BTA028AU BT Balanced Equity Income Fund. RFA00AU BT Imputation Fund (W) FSF09AU Colonial First State Equity Income Fund (W).2 IML000AU Investors Mutual Equity Income Fund SSB00AU Legg Mason Martin Currie Equity Income Trust 0.8 ADV00AU Maple-Brown Abbott Australian Share Fund (W) /0.2 HBC00AU Merlon Australian Share Income Fund (W) 0.9 IOF008AU Perennial Value Shares for Income Trust /0.0 WHT009AU Plato Australian Shares Income Fund WHT00AU Plato Australian Shares Income Fund (Managed ) TYN008AU Nikko AM-Tyndall Australian Share Income Fund /0.0 VAN00AU Vanguard Australian Shares Yield Fund 0.0 ZUR08AU Zurich Equity Income Fund.9 Mid/Small/Micro Cap CSA0AU Aberdeen Australian Small Companies Fund.2 CRS000AU Aberdeen Ex-20 Australian Equities Fund 0.9 HLR002AU AMP Capital Experts Choice Small Companies Fund. 0.22/0.22 PPL00AU Antares Small Companies (iii) 0./0. AAP00AU Ausbil Australian Emerging Leaders Fund (iii) /0.0 AUG008AU Australian Ethical Australian Shares Fund /0.0 BFL000AU Bennelong ex-20 Australian Equities Fund (iii) /0.0 RFA089AU BT Small Companies Fund (W) / DFA00AU Dimensional Australian Small Company Trust (ii) 0.0 EGG000AU Eley Griffiths Small Companies Fund (iii) /0.28 ANT0002AU Fairview Equity Partners Emerging Companies Fund (iii) /0.0 FID002AU Fidelity Future Leaders Fund.20 8

9 label Australian Equities (continued) Mid/Small/Micro Cap (continued) IML000AU Investors Mutual Future Leaders Fund (W) (iii) IML000AU Investors Mutual Australian Small Companies PAT0002AU Ironbark Karara Australian Small Companies Fund (iii).20 HOW00AU Kinetic Emerging Companies Fund (W) (iii),(vi). 0.0/0.0 HOW002AU NovaPort Microcap Fund (W) (iii).0 0.0/0.0 HOW00AU NovaPort Smaller Companies Fund (W) (iii) 0.0/0.0 OPS0002AU OC Funds Management Premium Small Companies Fund (iii) /0.0 PER008AU Perpetual Smaller Companies Fund (W) (iii).2 0./0. ETL002AU SG Hiscock ICE Fund (iii).8 0./0. UBS000AU UBS Australian Small Companies (iii) /0. ZUR08AU Zurich Small Companies Fund (iii) 0.0/0.0 Large Cap ETL000AU Allan Gray Australia Equity Fund (iii) 0. PAM000AU Alphinity Australian Share (W) AMP820AU AMP Capital Australian Equity Concentrated Fund (vi). NML00AU AMP Capital Australian Equity Value Fund (W) 0.8 HLR0002AU AMP Capital Experts Choice Australian Shares Fund 0.2/0.2 ARO00AU Arnhem Australian Equity Fund /0.0 AAP00AU Ausbil Australian Active Equity Fund /0.0 BFL000AU Bennelong Australian Equities /0.0 BFL00AU Bennelong Twenty20 Australian Equities Fund (iii) /0.0 BGL00AU BlackRock Indexed Australian Equity Fund /0.2 BAR08AU BlackRock Scientific Australian Equity Fund 0.9 BTA00AU BT Australian Share Fund (W) (iii) 0.9 RFA088AU BT Core Australian Share Fund (W) / RFA009AU BT Focus Australian Share Fund 0. HOW009AU Challenger Alphinity Australian Equity Fund (vi) CFM00AU Colonial First State Australian Share Fund Core (W) 0.9 PIM0028AU Dalton Nicol Reid Australian Equities Conviction Fund DFA000AU Dimensional Australian Core Equity Trust (ii) 0. DFA00AU Dimensional Australian Large Company Trust (ii) 0.2 DFA00AU Dimensional Australian Value Trust (ii) 0. FID0008AU Fidelity Australian Equities Fund 0.8 JBW0009AU Goldman Sachs Australian Equities Wholesale Fund 0.9 HOW00AU Greencape Broadcap Fund (W) (iii) 0.9 HOW00AU Greencape Conviction Fund (W) BNT000AU Hyperion Australian Growth Companies Fund /0.0 IML0002AU Investors Mutual Australian Share Fund (W) IML000AU Investors Mutual Concentrated Australian Share Fund 9

10 label Australian Equities (continued) Large Cap (continued) PAT000AU Ironbark Karara Australian Share Fund MAQ0AU Macquarie Conviction Fund 0.92 TYN000AU Nikko AM-Tyndall Australian Share Concentrated Fund /0.0 IOF020AU Perennial Value Shares Trust (W) /0.0 PER009AU Perpetual Australian Share Fund (W) 0.0/ PER002AU Perpetual Concentrated Equity Fund (W).0 0./0. FSF09AU Realindex Australian Share Fund Class A 0. RIM0029AU Russell Australian Opportunities Fund (Class A) (vi).9 0.0/0.0 SCH00AU Schroder Australian Equity Fund (W) 0.92 ETL002AU SG Hiscock SGH20 Fund.2 WHT002AU Solaris Core Australian Equity Fund 0.0/0.0 SOL000AU Solaris Core Australian Equity Fund (Performance Alignment) (iii) 0.0/0.0 TYN0028AU Tyndall Australian Share Portfolio (W) 0.0/0.0 SBC08AU UBS Australian Share Fund UBS002AU UBS HALO Australian Share Fund VAN0002AU Vanguard Australian Shares Index Fund (W) 0.8 Specialist ACM000AU Alliance Bernstein Managed Volatility Equities Fund 0. AMP8AU AMP Capital Australian Equity Opportunities Fund Class A (vi) 0.0/0.0 PPL0AU Antares Elite Opportunities Fund (iii) /0. PPL00AU Antares Growth Shares Fund (iii).0 0./0. AAP0008AU Ausbil 0/0 Focus Fund /0.0 AAP0002AU Ausbil Australian Geared Equity (vii).20(g)/2.0(n) 0.0/0.0 MAL002AU BlackRock Australian Equity Opportunities Fund (iii) /0.0 RFA002AU BT Ethical Share Fund (W) / RFA00AU BT Geared Imputation Fund (W) (vii). / FSF089AU Colonial First State Acadian Aust Equity Long Short (W).2 0.0/0.0 FSF00AU (iii) (vii) Colonial First State Geared Share Fund (W).0(g)/2.2(n) 0.0/0.0 FSF0AU Colonial First State Antares Elite Opportunities (W) (iii).0 IML000AU Investors Mutual Industrial Fund (W) KAM00AU K2 Australian Absolute Return Fund (iii). 0.0/0.0 FHT000AU The Montgomery Fund (iii). MMF9AU OnePath Protected AUS 0 Trust (W) /0.09 PCL000AU Pengana Australian Equities Fund (iii).2 IOF0228AU Perennial Value Wealth Defender Australian Shares Trust (iii) 0.0/0.0 PER0AU Perpetual Ethical SRI Fund (W).8 0./0. PER00AU Perpetual Geared Australian Share Fund (W) (vii).(g)/2.(n) 0.8/0.8 PER00AU Perpetual Industrial Share Fund (W) 0.0/ PER002AU Perpetual Share Plus Long Short Fund (W) (iii) SST008AU State Street Australian Equity Fund /0. 0

11 label Global Equities Income GSF000AU Grant Samuel Epoch Global Shareholder Yield Fund (Hedged).0 GSF0002AU Grant Samuel Epoch Global Shareholder Yield Fund (Unhedged).2 HFL002AU Threadneedle Global Equity Income Fund (unhedged).0 Mid/Small/Micro Cap MAL0AU BlackRock Global Small Caps Fund.2 0.0/0.0 DFA00AU Dimensional Global Small Company Trust (ii) 0. 0./0. HOW0002AU Hunter Hall Value Growth Trust.8 HHA0002AU Hunter Hall Global Equities Trust (iii).8 LAZ002AU Lazard Global Small Cap Fund (W).2 0.0/0.0 ETL0AU Paradice Global Small Mid Cap Fund.0 0.0/0.0 Large Cap EQI00AU Aberdeen International Equity Fund NML08AU AMP Capital Global Equity Value Fund (W) HLR000AU AMP Capital Experts Choice International Shares Fund. 0.22/0.8 AMP0AU AMP Capital Responsible Leaders International Share Fund. MAQ0AU Arrowstreet Global Equity Fund.28 0./0. BGL00AU BlackRock Indexed International Equity Fund /0.0 BAR08AU BlackRock Scientific International Equity Fund /0. MIA000AU MFS Global Equity Trust 0. 0./0. RFA082AU BT Core Global Share Fund (W) /0.0 DFA000AU Dimensional Global Core Equity Trust (ii) 0.9 DFA00AU Dimensional Global Large Company Trust (ii) 0. DFA002AU Dimensional Global Value Trust (ii) 0. FID002AU Fidelity Global demographics fund. 0.0/0.0 FID000AU Fidelity Global Equities Fund. 0.0/0.0 FRT0009AU Franklin Global Growth Fund. GMO00AU GMO Global Equity Trust 0. MAQ00AU IFP Global Franchise Fund (vi).8 0.0/0.9 MGL000AU Ironbark Waverton Concentrated Global Share Fund MGE000AU Magellan Global Fund (iii). SUN00AU Nikko AM Global Share Fund.2 ETL09AU Pan-Tribal Global Equity Fund.20 0./0. MAQ088AU Polaris Global equity fund /0.2 FSF09AU Realindex Global Share Fund Class A /0. RIM0008AU Russell International Shares Fund (Class A) (vi).0 0./0.0 SCH000AU Schroder Global Value Fund 0.20/0. SCH000AU Schroder Global Core Fund /0.0 ETL00AU T. Rowe Price Global Equity Fund.8 0./0.20 FRT000AU Templeton Global Equity Fund. VAN000AU Vanguard International Shares Index Fund 0.8 MAQ00AU Walter Scott Global Equity Fund.28 0./0. ZUR0AU Zurich Concentrated Global Growth /0.08

12 label Global Equities Large Cap (continued) ZUR080AU Zurich Global Growth Share Fund 0.08/0.08 ZUR00AU Zurich s Global Thematic Share Fund 0.08/0.08 Large Cap (Currency Hedged) CRS000AU Aberdeen Actively Hedged International Equities Fund CSA0AU Aberdeen Fully Hedged International Equities Fund MAQ009AU Arrowstreet Global Equity Fund (Hedged) /0.9 DFA0009AU Dimensional Global Core Equity Trust (Hedged) (ii) /0. MAQ0AU IFP Global Franchise Fund (Hedged) (vi).8 0./0.2 MGL008AU Ironbark Copper Rock Global All Cap Share Fund. MGE000AU Magellan Global Fund (Hedged). ETL00AU MFS Fully Hedged Global Equity Trust 0./0. FSF09AU Realindex Global Share Hedged Fund Class A /0. VAN00AU Vanguard International Shares Index Fund (Hedged) /0. MAQ0AU Walter Scott Global Equity Fund (Hedged) /0. ZUR0AU Zurich s Hedged Global Thematic Share Fund 0.08/0.08 Regional EQI0028AU Aberdeen Asian Opportunities Fund.8 0./0. ETL002AU Aberdeen Emerging Opportunities Fund.0 0./0. IOF020AU Antipodes Asia Fund /0.0 BTA00AU BT Wholesale Asian Share Fund.00 DFA00AU Dimensional Emerging Markets Trust (ii) 0. FID00AU Fidelity India Fund /0.0 FID000AU Fidelity Asia Fund. 0.0/0.0 LAZ000AU Lazard Emerging Markets Fund. 0.0/0.0 MAQ00AU Macquarie Asia New Stars No. Fund (iii) /0.0 MAQ0AU Premium China Fund (iii) 2.0 PLA000AU Platinum Asia Fund. PLA000AU Platinum European Fund. PLA000AU Platinum Japan Fund. ETL08AU Robeco Emerging Conservative Equity Fund 0.0/0. SCH00AU Schroder Global Emerging Markets.0 0.0/0.0 ETL00AU T. Rowe Price Asia ex-japan Fund.20 0./0.0 VAN000AU Vanguard Emerging Markets Shares Index Fund /0.0 MAQ0AU Walter Scott Emerging Markets Fund.8 0.2/0.20 Specialist MAQ09AU Analytic Global Managed Volatility Fund /0.09 IOF00AU Antipodes Global Fund /0.0 FSF089AU (v), (vii) Colonial First State Acadian Geared Global Equity (W).2(g)/2.(n) 0.0/0.0 FSF0908AU Colonial First State Generation Wholesale Global Share Fund (iii).2 FSF008AU Colonial First State Global Resources Fund (W). MGL009AU Ironbark Copper Rock Emerging Markets Opportunities Fund. PER0AU PineBridge Global Dynamic Asset Allocation Fund.0 2

13 label Global Equities PLA000AU Platinum International Brands Fund. PLA0002AU Platinum International Fund.8 PLA000AU Platinum Unhedged Fund. PMC000AU PM Capital Global Companies Fund (iii).09 Infrastructure Diversified AMP9AU AMP Capital Core Infrastructure Fund (iii).20 0./0. Global AMP9AU AMP Capital Global Infrastructure Securities Fund (Hedged) (iii) /0.0 AMP9AU AMP Capital Global Infrastructure Securities Fund (Unhedged) (iii) /0.0 LAZ00AU Lazard Global Listed Infrastructure Fund 0.0/0.0 MAQ02AU Macquarie International Infrastructure Securities Fund (Hedged).0 MAQ082AU Macquarie International Infrastructure Securities Fund (Unhedged).0 MGE0002AU Magellan Infrastructure Fund (iii).0 0./0. MGE000AU Magellan Infrastructure Fund (Unhedged) (i).0 0./0. MPL000AU Maple-Brown Abbott Global Listed Infrastructure Fund 0.2/0.2 TGP0008AU RARE Infrastructure Value Fund (Hedged) (iii) /0. TGP00AU RARE Infrastructure Value Fund (Unhedged) (iii) /0. VAN002AU Vanguard Global Infrastructure Index Fund /0. VAN002AU Vanguard Global Infrastructure Index Fund (Hedged) 0.2 Alternatives MAN0002AU MAN AHL Alpha Fund (iii).8 FSF08AU Aspect Diversified Futures Fund Class A (iii).2 BFL000AU Bennelong Kardinia Absolute Return Fund.0 MAL009AU BlackRock Australian Equity Absolute Return Fund (iii) /0.0 BLK000AU BlackRock Multi Opportunity Absolute Return Fund (iii).2 0./0. GTU009AU Invesco Wholesale Global Targeted Returns Fund Class A /0.0 DEU009AU Ironbark Global Diversified Alternatives Fund (iii).0 HFL00AU Ironbark LHP Diversified s Fund.2 HFL008AU (iii) (v) Ironbark LHP Global Long/Short Fund.8 MAQ082AU Macquarie Winton Global Alpha Fund (iii) /0.0 ETL02AU (iii) (v) Partners Group Global Value Fund. PCL000AU Pengana Absolute Return Asia Pacific Fund (v).0 (i) Investors who have selected a Guarantee may select these funds. (ii) Available through Dimensional approved advisers only. Advisers can contact Dimensional on (iii) cost is exclusive of any performance fee, however this investment option may charge a performance fee. Please refer to the fund s PDS for information about how the performance fee is calculated. (iv) This investment option has an early withdrawal fee. Refer to the investment option s underlying PDS, available from North Online, for further information. (v) This investment is defined as an illiquid investment under superannuation law. This means it is unlikely that it can be redeemed and proceeds returned to the member/investor within 0 days and may take up to 20 days. For an explanation of illiquid investments please refer to liquidity risk in the North Super and Pension PDS Part A or the North IDPS Guide. (vi) This investment options is closed to new investors. Existing investors that hold the fund can continue to purchase additional units. (vii) The investment cost is based on the gross (g) and net (n) assets of the fund. The gross investment cost calculation includes borrowings.

14 Managed funds in specie only transfers In specie transfers allow you to transfer managed funds held outside of North into your North account. The transfer of managed funds into North is subject to agreement by the previous provider. You're permitted to transfer any existing holding of these managed funds, but you're not entitled to purchase additional units. For more information on in specie transfers, please contact your financial adviser. APIR code label Multisector Conservative ADV009AU Advance Defensive Multi Blend Fund Low BTA080AU BT Wholesale Conservative Outlook Fund /0.08 RIM0002AU Russell Conservative Fund /0. RIM002AU Russell II Portfolio /0. RIM002AU Russell II Portfolio Class B Units /0. Balanced ADV000AU Advance Balanced Multi Blend Fund 0.8 RFA08AU BT Active Balanced Fund (W) / FSFAU Colonial First State FirstChoice Multi-Index Balanced Fund Class A 0. 0./0. MPL000AU Maple-Brown Abbott Diversified Trust.0 0.8/0.8 RIM000AU Russell Balanced Fund /0.20 RIM000AU Russell Div 0 Fund Class A Units 0.20/0.9 RIM002AU Russell IV Portfolio /0.20 Moderately Aggressive ADV008AU Advance Growth Multi Balanced Fund 0.2/0.2 RIM000AU Russell Growth Fund /0.2 RIM002AU Russell V Portfolio /0.2 RIM002AU Russell IV Portfolio Class B Units /0.20 RIM0028AU Russell V Portfolio Class B Units /0.2 RIM00AU Russell Growth Fund.0 0.2/0.2 Specialist PER0AU Perpetual Wholesale Diversified Real Return Fund /0.2 Cash Short Term Fixed Interest SBC082AU UBS Cash Plus Fund /0.0 Credit Mortgages AMP08AU AMP Capital Wholesale Enhanced Yield Fund (ii) 0.8 AUS000AU Australian Unity Yield Mortgage Trust.20 AUS0AU Australian Unity Wholesale Mortgage Income Trust JFF0002AU Balmain AQUA Income Trust.2 MMF000AU OnePath Mortgage Trust No 2.8 HML0002AU OnePath Monthly Income Trust (ii).

15 label Credit (continued) Mortgages (continued) PER0002AU Perpetual Monthly Income Fund (ii).0 PER00AU Perpetual Monthly Income Fund (W) (ii) 0.9 Fixed Interest Australian Fixed Interest FSF09AU Colonial Income Fund 0.0 MAQ00AU Macquarie Master Fixed Interest Fund /0. MAQ02AU Macquarie True Index Australian Fixed Interest 0.0/0.08 Global Fixed Interest PWA082AU BlackRock International Bond Fund /0.2 SBC089AU UBS International Bond Fund 0.9 Property Australian Property APN00AU APN Unlisted Property Fund.08 CHF000AU Charter Hall Diversified Property Fund 0.8 MAQ08AU Charter Hall Direct Property Fund 0.0 /2.0 MAQ082AU Charter Hall Direct Office (W) A FSF000AU Colonial Property Securities Fund 0.82 PFA000AU PFA Diversified Property Trust N/A N/A Diversified Property APN000AU APN Property for Income Fund (ii).0 APN000AU APN Property for Income Fund No.2 (ii).08 APN000AU APN Diversified Property Fund (ii) /0. Australian Equities Income FSF000AU Colonial Wholesale Imputation Fund 0.9 Mid/Small/Micro Cap AAP000AU Ausbil Microcap Fund (iii) /0.0 HHA000AU Hunter Hall Australian Value Trust. PER020AU Pengana Emerging Companies Fund. 0.0/0.0 Large Cap MGL0AU Aberdeen Australian Equities Fund PWA082AU BlackRock Australian Share Fund /0.28 FSF009AU Lazard Select Australian Equity Fund (W).0 AJF080AU OnePath Wholesale Australian Share Trust 0./0. PER00AU Perpetual Industrial Share Fund / SCH0002AU Schroder Australia Equity Fund 0.2

16 label Global Equities Large Cap NML08AU AMP Capital Global Equity Value Fund (W) Regional FID00AU Fidelity China Fund /0.0 Specialist FSF098AU Colonial Wholesale Global Resources Long Short Fund.22 0./0. MLC0AU MLC Platinum Global Fund. Infrastructure Global MAQ0AU Macquarie Global Infrastructure Trust II 2.0 Alternatives MAN0009CK Man s Series OM-IP (ii) 2.00 MAN00CK Man s OM-IP 220 Ltd - Series (ii) 2.00 MAN00CK Man s OM-IP 220 Ltd - Series 8 (ii) 2.00 MAN00CK Man s OM-IP (ii) 2.00 MAN00CK Man s OM-IP AHL Ltd (ii) 2.00 MAN00CK Man s OM-IP 2AHL Ltd (ii) 2.00 MAN009CK Man s OM-IP Eclipse 200 (ii) 2.00 (i) (ii) cost is exclusive of any performance fee, however this investment option may charge a performance fee. Please refer to the fund s PDS for information about how the performance fee is calculated. This investment is defined as an illiquid investment under superannuation law. This means it is unlikely that it can be redeemed and proceeds returned to the member/investor within 0 days and may take up to 20 days. For an explanation of illiquid investments please refer to liquidity risk in the North Super and Pension PDS Part A or the North IDPS guide. Listed securities You are able to invest in securities listed on the ASX. Selected listed investment companies and listed property trusts are available for investment. If you are an Investor of the Investor Directed Portfolio Service (IDPS) you can invest in any direct equity or unit trusts listed on the ASX. For superannuation and pension members, you will have access to the following listed securities: shares currently listed in the S&P/ASX00 index selected LICs and LITs as listed on Page 8 and A-REITs listed on the ASX all ordinaries index. all hybrids (ie convertible notes and preference shares), where the issuer is listed in the S&P/ASX00 index ETFs and ETCs listed on pages and 8. fixed interest securities (ie corporate bonds and floating rate notes) listed on page 8. certain sub-classes of shares, initial public offerings (IPOs), share purchase plans (SPPs) and other securities that satisfy the Trustee s approval criteria. Securities listed in the S&P/ASX00 are subject to change, impacting the ability to invest in securities that no longer fall in the S&P/ASX00. The trustee may periodically add or remove listed securities available to superannuation and pension members without warning. We recommend you obtain the latest version of this document prior to making an investment decision. When purchasing listed securities, additional costs will be incurred. These costs, which include brokerage fees, will be directly debited from your account. If using a third party broker, the cost per transaction varies between brokers and is subject to change. Please refer to the North Super and Pension PDS Part A or North IDPS Guide for further details. Listed securities are not currently available on accounts with a Guarantee.

17 ETFs & ETCs The following exchange traded products are available to North Super and Pension members. ASX code Name label ASX code Name label Australian Broad Based International (continued) IOZ ishares MSCI Australia 200 VEU Vanguard All-World EX US Shares Index ILC ISO MVW QOZ GEAR STW SFY SSO VAS VSO YMAX ishares S&P/ASX 20 ishares S&P/ASX Small Ordinaries Market Vectors Australian Equal Weight ETF BetaShares FTSE RAFI Australia 200 ETF BetaShares Geared Australian Equity Fund (hedge fund) SPDR 200 Fund SPDR 0 Fund SPDR S&P/ASX Small Ordinaries Fund Vanguard Australian Shares Index Vanguard Small Companies Index BetaShares Australian Top 20 Equity Yield Maximiser Fund VGS VGAD VTS WDIV WEMG WXHG WXOZ Vanguard MSCI Index International Shares ETF Vanguard MSCI Index International Shares (Hedged) ETF Vanguard US Total Market Shares Index S&P Global Dividend Fund S&P Emerging Markets Fund S&P World Ex Australian Hedged Fund S&P World Ex Australian Fund International Sectors NDQ DJRE IXI BetaShares NASDAQ 00 ETF Dow Jones Global Real Estate Fund ishares Global Consumer Staples ETF Australian Sector IXJ ishares Global Healthcare ETF MVA Market Vectors Australian Property ETF IXP ishares Global Telecom ETF MVB Market Vectors Australian Banks ETF Strategy Focussed SLF OZF OZR VAP SPDR S&P/ASX 200 Listed Property Fund SPDR S&P/ASX 200 Financials ex A-REITS Fund SPDR S&P/ASX 200 Resources Fund Vanguard Australian Property Securities Index ETF IHD QUAL RDV RVL ishares S&P/ASX Dividend Opportunities ETF Market Vectors MSCI World ex-australia Quality ETF Russell Dividend Australian Shares ETF Russell Australia Value ETF International IAA IBK ITW IKO IHK IHOO ishares Asia 0 ETF ishares MSCI BRIC ETF ishares MSCI Taiwan ETF ishares MSCI South Korea Capped ETF ishares MSCI Hong Kong ETF ishares Global 00 AUD Hedged ETF SYI VHY SPDR MSCI Australia Select Dividend Yield Fund Vanguard Australian Shares Yield ETF Cash & Fixed Income Exposure AAA BOND BetaShares Australian Interest Cash ETF Australian Bond Very low Low to medium IHVV IRU IZZ IJP IEM IOO IVV IJH IJR IVE ishares S&P 00 AUD Hedged ETF ishares Russell 2000 ETF ishares China Large-Cap ETF ishares MSCI Japan ETF ishares MSCI Emerging Markets ETF ishares Global 00 ETF ishares Core S&P 00 ishares Core S&P MidCap 00 ishares Core S&P SmallCap 00 ishares MSCI EAFE ETF GOVT IAF IGB ILB RCB RSM VAF Australian Government Bond ishares UBS Composite Bond ETF ishares UBS Treasury ETF ishares UBS Government Inflation Index Fund Russell Australian Select Corporate Bond Russell Australian Semi-Government Bond ETF Vanguard Australian Fixed Interest Index Low to medium Low to medium Low to medium Low to medium IEU ISG ishares Europe ETF ishares MSCI Singapore ETF VGB Vanguard Australian Government Bond Index ETF Low to medium UMAX BetaShares S&P 00 Yield Maximiser Fund

18 ASX code Name Commodity Exposure ETPMAG GOLD OOO LICs & LITs ETFS Physical Silver ETFS Physical Gold BetaShares Crude Oil Index ETF - Currency Hedged (Synthetic) label Very high Very high Very high The following LICs and LITs are available to North Super and Pension members. ASX code Name Australian Shares ARG AFI ALF MIR MLT PIC QVE WAA WAM WAX WDE Argo s Limited Australian Foundation Company Limited Australian Leaders Fund Limited Mirabooka s Milton Corporation Perpetual Equity Company Limited Qv Equities Limited WAM Active Limited WAM Capital WAM Research Limited Wealth Defender Equities Limited International Shares label Very Fixed interest securities The following assets are available to North Super and Pension members. You will be able to invest in other fixed interest securities that meet the Trustee s eligibility criteria, as notified by us to you. ASX code Floating Rate Notes AGKHA AMPHA ANZHA AQHHA BENHB CBAHA CNGHA CWNHA HBSHB MBLHB NABHA NABHB ORGHA TAHHB WBCHA WBCHB WOWHC Issuer AGL Energy Limited AMP Limited Australia and New Zealand Banking Group APT Pipelines Limited Bendigo and Adelaide Bank Limited Commonwealth Bank of Australia Colonial Holding Company Limited Crown Resorts Limited Heritage Bank Limited Macquarie Group Limited National Australia Bank Limited National Australia Bank Limited Origin Energy Limited TABCORP Holdings Limited Westpac Banking Corporation Westpac Banking Corporation Woolworths Limited PAI Platinum Asia s Limited PGF PM Capital Global Opportunities Fund Limited PMC Platinum Capital Limited Alternatives WMK WaterMark Market Neutral Fund Limited 8

19 Standard Measure About the Standard Measure The Standard Measure (SRM) is a common risk descriptor used by superannuation funds. It is based on guidance from the Australian Prudential Regulation Authority (APRA) to allow investors to compare managed funds that are expected to deliver a similar number of negative annual returns over any 20-year period. We have introduced the SRM in accordance with the recommendations from the Financial Services Council (FSC) and Association of Superannuation Funds of Australia (ASFA). SRM descriptors Each managed fund listed in the North Options document has been assigned a SRM. The table below sets out the SRM labels used for each managed fund based on the estimated number of negative annual returns that a managed fund may experience over any 20-year period. 2 label Low Estimated number of negative annual returns over any 20 year period Less than to less than to less than 2 2 to less than to less than to less than or greater For example, managed funds with a risk of have a medium to high risk label and may experience between to less than years of negative annual returns over any 20-year period. Limitations The SRM is not a complete assessment of all forms of investment risk and does not replace the need for financial advice when constructing a managed fund portfolio. For instance, it does not detail what the size of a negative return could be or the potential for a positive return to be less than an investor may require to meet their objectives. Further, it does not take into account the impact of administration fees and tax on the likelihood of a negative return. The SRM is not a comprehensive account of the risks of investing and investors should consider these risk labels in conjunction with the different risks of investing that apply to their investments. Investors should still ensure they are comfortable with the risks and potential losses associated with their chosen managed fund(s). Methodology The methodology used for calculating the SRM follows the FSC/ASFA recommendations and is in line with market adopted practices. For full details on the methodology, please visit northonline.com.au. You can also contact your financial adviser or the North Service Centre on for any queries on the methodology. Changes to the SRM For each managed fund, any significant changes to market conditions may alter the SRM from time to time. In addition, any changes to the methodology used (including any regulatory changes) may also alter the SRM results. We will generally review the SRM each year. Differences between each provider s SRM Investors should be aware that the SRM labels used for each managed fund are based on our assessment and may differ to those assigned by other providers. The differences are generally due to the methodology used in calculating the SRM. Other important information This is the investment options document for the North Personal Superannuation and Pension Fund ( the Fund, also known as North Personal Super and North Personal Pension or Wealth Personal Superannuation and Pension Fund ABN ) and should be considered together with the current North Super and Pension PDS Part A. This document is jointly issued by N.M. Superannuation Proprietary Limited (NM Super) ABN , AFS Licence No. 2, and NMMT Limited (NMMT) ABN , AFS Licence No. 2. This document also forms the options document for the Investor directed portfolio service (IDPS) known as North. The Operator of the IDPS is NMMT. Please refer to the PDS for each underlying managed fund investment option for detailed information relating to the underlying managed fund investment options. PDSs for underlying managed fund investment options do not constitute an offer or invitation to subscribe to or buy any of the securities offered by the fund managers of investment options. In addition, the fund managers of those investment options have not authorised or caused the issue of this document. The fund managers of those managed fund investment options, their respective officers, holding companies and trustees do not guarantee the capital invested by members of North Personal Super, North Personal Pension and North IDPS investors or the performance of the plans and investment options generally. The performance, the payment of any particular return or any increase in the value of the assets acquired using the investments listed in this document are not guaranteed in any way. 9

20 This publication has been prepared to provide general information only and does not take into account the investment objectives, financial situation or particular needs of any particular person. It is not intended to take the place of professional advice and you should not take action on specific issues in reliance on this information. Before making an investment decision, you need to consider (with or without the assistance of an adviser) whether this information is appropriate to your needs, objectives and circumstances. You should obtain a copy of the relevant PDS or IDPS Guide before making a decision to invest in any financial product. Past performance is not indicative of future performance. Detailed information about the North products is contained in the PDS and IDPS Guide. Applications for investment in North products will only be accepted via. Copies of the PDS and IDPS Guide are available on or can be obtained by calling (800 NORTH). NMMT Limited, N.M. Superannuation Proprietary Limited and their associates derive income from issuing interests in the product, full details of which are contained in the PDS and IDPS Guide. Unless specifically stated, the repayment of capital or performance of our products are not guaranteed. This information is provided for persons in Australia only and is not provided for the use of any person who is in any other country. Identifying investments The APIR codes used in this document identify the underlying investments that North will purchase on your instruction. The APIR code can assist you in obtaining the PDS for the underlying investment and comparing with other investment menus. Fund manager payments NMMT may receive payments of up to 0.% from fund managers for amounts invested in particular investment options made available in this document (fund manager payments). The fund manager payment received is based on amounts invested with the fund manager and the management costs of these investments. These payments, and the method of calculation, may change from time to time and are not an additional cost to you. costs The investment costs presented in this document are estimates only and include the management fee and expense recoveries, but exclude abnormal operating expenses and any performance fees that may be charged. Before selecting an investment option, you should refer to the latest investment costs set out in the relevant product disclosure statement for the particular fund. Buy/sell margin The buy/sell margin information provided in the investment options document is indicative only and may not reflect the most current buy/sell margin costs that may be incurred. We maintain the right to add or remove investment options. In the event that an investment option is removed we will endeavour to give you 0 days notice to switch to an alternative investment option. Please refer to the North Super and Pension PDS Part A or the North IDPS guide and FSG for further information. Note: A current copy of this document is available free of charge on North s website northonline.com.au or by contacting the North Service Centre on (800 NORTH). Changes to your managed funds Fund managers of the managed fund investment options may notify us from time to time of material changes or significant events that affect an investment option you have selected. We will notify you of these changes as soon as practical through North Online. We will not be responsible for any delays in notifying you of these changes or events where the delay has been caused by a fund manager. If you wish, you may select a different investment option after you have read the up-to-date information; however, regular fees and charges may apply. If you do not notify us that you wish to select a different investment option contributions will continue to be invested in the existing investment option. Additional contributions After you become an investor, each time you make additional contributions to a managed fund investment option you may not have the most recent underlying fund manager PDS or have been notified about material changes or significant events relating to the investment options you have selected. You can access the most up-to-date PDS for the managed fund investment options you have selected by accessing the North website on northonline.com.au. Contact us If you would like to know more about how North can help you, please visit northonline.com.au, or contact one of the following: phone web mail northonline.com.au north@amp.com.au North Service Centre GPO Box 29 MELBOURNE VIC 00 What you need to know Operator of North : NMMT Limited ABN AFS Licence No. 2 Registered office: Alfred Street SYDNEY NSW 2000 Postal address: GPO Box 29 MELBOURNE VIC 00 Wealth Personal Superannuation and Pension Fund ABN Trustee of Wealth Personal Superannuation and Pension Fund: N.M. Superannuation Proprietary Limited ABN AFS Licence No / 20