BT Lifetime Personal Super (BT Super)

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1 BT Lifetime Personal Super (BT Super) Additional Information Booklet Part 1 General Information Dated 1 July 2014 Things you should know The information in this document forms part of the Product Disclosure Statement (PDS) for BT Lifetime Personal Super (BT Super) dated 1 July 2014 and is issued by BT Funds Management Limited ABN , AFSL (BTFM, Trustee, our, we or us), the trustee of BT Lifetime Super ABN This Additional Information Booklet Part 1 General Information, will be updated from time to time. You should read the latest edition of this document, together with the PDS, before making a decision to invest into BT Super. Visit bt.com.au or call us on to obtain the current edition, free of charge.

2 Table of contents How super works 3 Choice of fund 3 Contributions 3 Nominating your beneficiary 5 Withdrawals 6 Accessing your super 6 Benefits of investing with BT Lifetime 8 Personal Super Build your super balance 8 Keeping you informed 11 Risks of super 12 Things you should consider before investing 12 Investing involves risks 12 Risk categories for the BT Super investment options 14 Fees and costs 15 Additional explanation of fees and costs 17 How super is taxed 22 Tax on contributions 22 Tax on withdrawals 23 Tax payable on death benefits 25 Other information 26 About the Fund 26 Protecting your privacy 26 Cooling-off period 28 Transacting and unit prices 28 Additional information about your super 31 Definitions and interpretation 33 Our electronic facilities 33 Terms and conditions 34 Consents 35 The information in this Additional Information Booklet Part 1 General Information is general information only and does not take into account your personal financial situation or needs. You may wish to consult a financial adviser to obtain financial advice tailored to suit your personal circumstances. The PDS and this Additional Information Booklet Part 1 General Information can only be used by persons receiving it (electronically or otherwise) in Australia and applications from outside Australia will not be accepted. An investment in BT Super is not an investment in, deposit with, or any other liability of, Westpac Banking Corporation ABN (Westpac), or any other company in the Westpac Group. It is subject to investment risk, including possible delays in repayment or loss of income and principal invested. Westpac and its related entities do not stand behind or otherwise guarantee the capital value or investment performance of any investment options or any related assets of BT Super. The Unique Superannuation Identifier (USI) for BT Super is BTA0137AU. Information in the PDS and this Additional Information Booklet Part 1 General Information is subject to change from time to time and may be updated by us. Updated information, if it is not materially adverse, can be obtained by going to our website at bt.com.au, contacting the financial adviser for your BT Super account or by calling Customer Relations. You can obtain a paper copy of the PDS and any updated information at any time, free of charge, at bt.com.au or by calling us on

3 How super works ` ` The information in this section gives a general overview of how super works and is a brief guide only, based on our interpretation of current laws as at the date of this document. We always recommend you seek professional advice about how the rules might impact you or your beneficiaries. The information in this section can change from time to time. Please refer to the Frequently Asked Questions at bt.com.au for the latest update. Choice of fund You can choose your own super fund for Superannuation Guarantee (SG) contributions, if you re eligible under superannuation law. BT Super accepts SG contributions when you nominate BT Super as your chosen fund with your employer. If you d like your SG contributions paid into your BT Super account, all you need to do is complete a Choice of Superannuation Fund form or standard choice form and give this to your employer. There is a Choice of Superannuation Fund form with the application form or on bt.com.au. You can choose a fund at any time, but you cannot ask your employer to change your fund more than once a year. If you want to also roll over your other super fund balances, you need to complete a Request to Transfer Form. By consolidating all of your super into one BT Super account you are able to stay in control of your super, reduce paperwork and potentially save on fees. Before transferring your super balance, you should consider the effect it will have on your benefits, including any insurance cover you may have in the fund you are transferring from. Contributions What money can be added to your BT Super account? You can add to your BT Super account in two ways. Contributions money deposited to your super account by you, your employer, your spouse or the Government. Rollovers benefits you transfer from another super fund. Limits (known as caps ) apply when adding money to your super by way of contributions. It s important that you do not exceed the contribution caps, otherwise additional tax is payable. We re required to reject only certain single contributions which exceed the caps. We cannot monitor your overall position. For more information about contribution caps, please refer to the How super is taxed section below and the Frequently Asked Questions at bt.com.au. bt.com.au 3

4 How super works (Continued) The types of money you can add to your BT Super account are detailed in the table below. Employer contributions Personal contributions Spouse contributions and contributions splitting Money from other super funds (rollovers) Government contributions Contributions relating to CGT small business concessions Contributions from certain personal injury settlements or orders Mandated employer and salary sacrifice contributions In most cases, the law requires your employer to contribute a percentage of your salary to your super (this is called Superannuation Guarantee (SG). Your employer may be required to pay more contributions under an award or other industrial agreement. If you want your employer to start paying SG into your BT Super account and you re eligible under superannuation law, simply sign and hand the Choice of Superannuation Fund form to your employer. The form is available with the application form, at bt.com.au, or call us and we ll send you a copy. You may also be able to organise additional contributions from your before-tax salary (called salary sacrifice) with your employer using this form. Voluntary and other employer contributions Your employer may make voluntary employer contributions that are in addition to any award or SG requirements. You can make after-tax contributions to your BT Super account. Please refer to How to add money to BT Super in the Benefits of investing with BT Lifetime Personal Super section. In some cases you may be able to claim a tax deduction for these contributions. Please refer to Claiming tax deductions for your personal contributions in the How super is taxed section. Your spouse may make contributions to your super, as long as the contribution is paid from an account in the name of your spouse or a joint account where your spouse is an account holder. Your spouse includes: your husband or wife via marriage a person with whom you re in a relationship that is registered under certain state or territory laws, or another person who, although not legally married to you, lives with you on a genuine domestic basis in a relationship as a couple. You can also split certain super contributions with your spouse as allowed under superannuation law there is currently no fee charged, but we reserve the right to charge a fee for splitting contributions in future. You can make a request by completing a Contributions Splitting application form, available at bt.com.au or by calling us. You can transfer money from your other super funds at any time using our easy rollover service. Please refer to How to add money to BT Super in the Benefits of investing with BT Lifetime Personal Super section. If you re eligible, the Government may make a co-contribution or low income superannuation contribution into your account. The Australian Taxation Office (ATO) will assess your eligibility and, if applicable, determine the government contribution amount based on information the ATO obtains from your income tax return and other sources, including contributions information we provide. For further information about Government co-contributions and the low income superannuation contribution, including eligibility requirements, please refer to the Frequently Asked Questions at bt.com.au or visit the ATO website at ato.gov.au. You may contribute certain proceeds from disposal of qualifying small business assets. Such a contribution must be made no later than the day you re required to lodge your tax return for the financial year in which the Capital Gains Tax (CGT) event occurred or 30 days after the day you receive the capital proceeds, whichever is later. If the capital proceeds are received and contributed in instalments, each instalment is considered a separate contribution which must be made within the above timeframes. You must advise us when you make the contribution that you re electing to use the CGT cap for all or part of the contribution by completing and sending us the relevant election form available from the ATO. You should seek professional advice about whether your contributions qualify for the CGT cap. You may contribute certain payments (personal injury contributions), which are exempt from the contributions caps. The personal injury payment must be in the form of a structured settlement, an order for a personal injury payment or a lump sum workers compensation payment. In addition, two legally qualified medical practitioners must certify that you re unlikely, as the result of the injury, to ever be gainfully employed in a capacity for which you re reasonably qualified because of education, training or experience. You will need to seek professional advice about whether your contributions qualify under these rules. Once you are satisfied that the contribution qualifies under the rules, the contribution must be made within 90 days of the payment being received or the structured settlement or order coming into effect, whichever is later. You must notify us at the time of making the contribution by providing a completed Contributions for Personal Injury election form (available from the ATO) to advise us that the contribution is a personal injury contribution

5 When can money be added to my super? Whether contributions can be made to your super depends on your age, and in some cases, your employment status as set out below. If you re younger than 65 Money can be added to your BT Super account right up until you turn 65, whether you re years working or not. If you re aged 65 to 74 Contributions can only be made to your BT Super account if they are employer mandated contributions or you have worked at least 40 hours in any consecutive 30-day period in the current financial year. Spouse contributions can be made on your behalf if you meet this work test and you re under 70 years of age. To continue making contributions into your BT Super account, you ll need to send us an employment declaration for each financial year in which you intend to make contributions you can do this by completing the Eligibility to Contribute form, available from bt.com.au or by calling us. If you re 75 years or older Once you turn 75, money can t be added to your BT Super account, unless your employer is making mandated contributions on your behalf, or you re rolling money over from your other super funds rollovers can be done at any time. Nominating your beneficiary Who can you nominate? You can nominate one or more beneficiaries to receive your death benefit (your BT Super account balance plus any insurance benefit payable) as a lump sum in the event of your death. Any beneficiary nominated must be either your Legal Personal Representative (ie the appointed Executor or Administrator of your estate) or a dependant as defined by superannuation law and the Trust Deed at the time of your death. A full list of eligible dependants is included in the Nomination of Beneficiaries form on our website at bt.com.au. Any insurance benefit paid to us will be held in a non-interest bearing account which will not be subject to investment earnings or losses, and will be paid as part of your final death benefit. Option 1 Binding nomination A binding nomination allows you to instruct us who to pay your benefit to in the event of your death and generally, if valid, we can t override your instructions. Please be aware of the following. You must nominate the proportion of your death benefit each beneficiary is to receive. The nomination is valid for three years from the date it is made. You must renew or confirm your nomination within this three-year period otherwise it will become non-binding. An invalid binding nomination will be treated as a non-binding nomination by us and will not revoke or replace an existing valid nomination. If your nomination is clearly invalid (completed incorrectly), we may contact you and request that you re-submit a valid nomination. If any beneficiary nominated is no longer your dependant or Legal Personal Representative at the date of death, they will not be entitled to receive a share of your benefit. Option 2 Non-binding nomination If you make a non-binding nomination, then we have absolute discretion to decide which of your dependants and/or legal personal representative will receive your benefit after your death. However, we will consider your nomination when determining who to pay your benefit to. We ll also consider any other matters we decide are relevant, for example, whether you have any other dependants, the financial circumstances and needs of your dependants, and whether your circumstances have changed since you made your nomination. We ll decide to whom, (from among your Legal Personal Representative and your dependants), and in what proportions to pay your death benefit and in doing so, may not follow your nomination. Option 3 No Nomination If you don t make a nomination, we ll normally pay your death benefit to your Legal Personal Representative. In certain circumstances, for example where you don t have a Legal Personal Representative, your benefit may be paid to your dependants. When is a nomination invalid? The following are examples of invalid nominations. The nomination is not clear to us (eg it is illegible or the nominated proportions do not total 100%). We have actual knowledge that when you made the nomination you did not understand the effect of making it (eg due to legal incapacity). You did not sign the Nomination of Beneficiaries form. In addition, binding nominations will be invalid if: the nomination has not been witnessed or has been witnessed by an ineligible person, or the nomination has not been confirmed or amended within a three year period prior to the time of death. How do I make a nomination? To nominate a beneficiary, complete the Nominated Beneficiaries section of your application form. You can make a new nomination, and amend, confirm or revoke an existing nomination by completing the Nomination of Beneficiaries form available on our website at bt.com.au. bt.com.au 5

6 How super works (Continued) Withdrawals Super is designed so that you cannot access it until you retire or meet another condition of release. In return for tax concessions, the Government has placed restrictions on when you can access your super benefits. These restrictions are known as the preservation rules. You can only withdraw money from your BT Super account if you re eligible to withdraw under the preservation rules. Before you make any withdrawal request you should check any tax or social security limitations and implications that may apply. You can find out more by visiting fahcsia.gov.au, ato.gov.au, or by speaking with your financial adviser. Accessing your super As super is a long term investment, strict rules apply around how and when you can access your money. Your super can be accessed when you: reach age 65 1 resign from your employer on or after age 60 1 permanently retire on or after your preservation age 1 (between age 55 and 60 depending on your date of birth) start a transition to retirement (or non commutable) pension after you reach your preservation age 1 (between age 55 and 60 depending on your date of birth) become permanently incapacitated become temporarily incapacitated (only to allow the payment of income protection insurance benefits received by the Fund) are diagnosed with a terminal medical condition die have been given a release authority by the ATO to pay an amount qualify on compassionate grounds as defined in superannuation law 1 satisfy severe financial hardship conditions 2 have held a temporary resident visa which has expired and you ve permanently departed Australia 2. Generally, you can transfer your super account balance to another complying super fund at any time. Super funds are usually required to transfer a member s benefit to another fund if requested by the member. However, in some cases you may be delayed from doing so. You may ask for information before requesting a rollover or transfer of your benefits. Information you might need to know includes information about fees and costs that may apply to the rollover, and the effect of the rollover on your existing entitlements in the fund. If you do not ask for any information, we ll assume that you do not require it. 1_ These conditions of release are not available if you re a current or former holder of a temporary visa, unless you are a permanent resident of Australia, or citizen of Australia or New Zealand. 2_ Super funds are, under certain circumstances, required to transfer a temporary resident s super to the ATO following their departure from Australia. Temporary residents can subsequently access their benefit from the ATO. Relying on relief provided by the Australian Securities and Investments Commission, the Trustee is not obliged to notify or give an exit statement to a member who was a temporary resident where we transfer their super to the ATO following their departure from Australia

7 When and how much you can withdraw Generally, you can only withdraw money from your BT Super account if you re 65 or over, retire after reaching your preservation age (between 55 and 60, depending on your date of birth), or in other limited circumstances. If you re eligible, you can make one-off withdrawals at any time. There are generally no minimum or maximum amounts you must withdraw each financial year provided your account balance does not fall below the minimum account balance of $1,200, and you can leave your money in your BT Super account as long as you like. If you have permanently emigrated to New Zealand, you may be eligible to transfer your superannuation to a Kiwi saver account under the Trans-Tasman portability scheme. Please note, however, we don t currently accept transfers from Kiwi saver accounts. For more information, including details about eligibility requirements for withdrawing from super, preserved super benefits and how to work out your preservation age, please refer to Eligibility rules for accessing super in the Frequently Asked Questions at bt.com.au. Partial rollovers and cash payments If you re invested in more than one investment option, you can elect which investment option(s) your withdrawal should come from. If you do not tell us, your partial withdrawal will be pro-rated across all your investment options at the time the request is processed. If you do not tell us which preservation components to include in a partial rollover, the amount withdrawn will be pro-rated across your preservation components. You can t choose the taxation components which make up the partial withdrawal. We ll also assume any amount you request to withdraw is gross of applicable fees and taxes. You must keep a minimum of $1,200 in your account if you make a partial withdrawal. Your withdrawal amount will be reduced by any applicable fees, charges and taxes, including fees incurred as a result of any special payment method requested, which will be charged to you by redeeming units from your account. Withdrawals are paid in Australian dollars and can only be paid to a bank account in your name or a joint bank account of which you re one of the account holders. Please refer to the How super is taxed section for further information about tax payable on cash withdrawals and the Fees and costs section for information about transaction fees. If you have insurance and a claim is made, the benefit paid will comprise your super balance and your insurance benefit (if any) paid to us by the Insurer. If you re making regular contributions through the regular contribution plan via direct debit, we ll treat a full withdrawal as a request to terminate your BT Super account and will stop your direct debits. You should contact your employer to stop any contributions made via a direct credit or payroll deduction arrangement. If we receive an invalid withdrawal request, you will not receive the withdrawal price issued on that day. Please refer to Invalid transaction requests in the Other information section for details. How your withdrawal is calculated Your withdrawal amount is calculated by multiplying the number of units to be withdrawn by the withdrawal price. If you request a specific dollar amount, the number of units withdrawn will be determined by dividing the dollar amount by the withdrawal price. See Transacting and unit prices and How we calculate unit prices in the Other information section. bt.com.au 7

8 Benefits of investing with BT Lifetime Personal Super Build your super balance Building your super balance is important at any age, and there are a number of ways to do it. Here are a few simple options and ideas you might like to think about to ensure your balance is maximised at retirement. When can money be added to your BT Super account? Money can be added to your BT Super account right up until you turn 65, whether you re working or not. Once you turn 65, you can continue to add money as long as you have worked at least 40 hours in any consecutive 30-day period in the current financial year. Once you turn 75, you generally can t add money to your BT Super account, except for your employer s SG, award or certified agreement contributions on your behalf or you re rolling money over from other super funds this can be done anytime. Please refer to the Frequently Asked Questions at bt.com.au for more details about when money can be contributed to your super account. You should consider giving us your Tax File Number Due to Government legislation, we re unable to accept any contributions, other than employer contributions, if you have not provided us with your Tax File Number (TFN). We have also determined that we will not accept any contributions (including employer contributions) made to your BT Super account by you or on your behalf unless you have provided your TFN to us therefore you must provide your TFN on your application form before we will accept contributions into your BT Super account. Please read the Tax File Number section in Other information for further information about quoting your TFN. How much do I have to add to my BT Super account? The following minimum requirements apply to your BT Super account. Transaction type Initial contribution to set-up your account Additional contributions (including rollovers from other super funds, one-off contributions and regular contributions) Minimum amount $3,000 (or $2,000 if you also set-up a regular contribution plan). No minimum. Ongoing account balance (must be maintained at all times) $1,200 If you make a partial withdrawal or rollover, the transaction must not take your balance below this amount. Switches or withdrawals No minimum provided your ongoing account balance is at least $1,200. For details about what type of contributions can be made to your BT Super account, please refer to What money can be added to your BT Super account? in the How super works section

9 How to add money to BT Super Make regular or one-off contributions* Option 1: Pay with Bpay You, your employer or your spouse can make an additional contribution to your BT Super account using the following Bpay Codes. Personal contribution Employer contribution Spouse contribution Your Customer Reference Number for the Bpay transaction combines the code for the investment option you wish to invest in with your Investor Number (exclude the C ). Once completed, a receipt number will be issued. For example, assume your Investor Number is C and you want to invest in the BT Cash investment option. Your Customer Reference Number for this transaction would be Option 2: Pay by cheque You, your employer or your spouse can make contributions to your BT Super account by cheque. Complete the Additional Contribution form at bt.com.au and attach a cheque made payable to: BTFG LSF <member name> Include your details (ie name, Investor Number, phone number, type of contribution) and payer signature with the cheque. Then send it to: BT Lifetime Personal Super GPO Box 2675 Sydney NSW 2001 Please refer to the table on the next page for the Bpay codes for all investment options. Option 3: Direct Debit To have one-off or regular contributions made to your BT Super account directly from your own, your spouse s or your employer s bank account, complete the Direct Debit Request section of the application form, or complete an Additional Contributions form at bt.com.au. Regular contributions will automatically increase in line with the Consumer Price Index (CPI) each year (up to a maximum of 15% in any year) on the anniversary of the date you joined, unless you notify us that you do not want automatic increases. If applicable, you can change, cancel or suspend your regular contribution plan at any time without penalty. Regular contributions are deducted on or around the 19th of each month. If you wish to make a change, you need to provide us with at least seven business days notice before the next scheduled direct debit to ensure changes are effective that month. Requests received after that day may be effective from the following month. We reserve the right to cancel your regular contribution plan if two or more consecutive debits are returned unpaid by your nominated bank/financial institution. Roll over your other super funds to BT Super Option 1: Online at bt.com.au Option 2: Complete the Request to Transfer form You ll find BT s Easy Rollover Tool on our website. This tool is designed to make rolling over your other super fund(s) as easy as possible. You ll find the form with the application form on our website at bt.com.au. Complete it and send it to us. * Legislative changes may place restrictions on the use of these facilities by employers. Visit the ATO website at ato.gov.au for more information on ways employers can make contributions and the data and payment standards. Registered to Bpay Pty Ltd ABN Warning: before moving your money, you should check with your other super fund(s) about whether you ll incur any withdrawal / exit fees and whether there may be a loss of insurance cover or other benefits you may have. If you need assistance completing your rollover request, please call us on and we ll be happy to help. bt.com.au 9

10 Benefits of investing with BT Lifetime Personal Super (Continued) Bpay codes for your investment options Investment option Bpay code Investment option Bpay code BT Cash 1201 BT Future Goals 1209 BT Conservative Outlook 1203 BT Partner Australian Shares Core BT Multi-manager Conservative 1231 BT Partner Australian Shares Growth Macquarie Conservative 1225 BT Partner Australian Shares Value BT Australasian Bond 1207 MLC Growth 1221 BT Global Bond 1208 Colonial First State Australian Shares 1227 BT Multi-manager Balanced 1233 BT Multi-manager High Growth 1237 BT Balanced Returns 1202 BT Partner International Shares Growth BT Property Securities 1204 BT Partner International Shares Value BlackRock Balanced 1223 BT International Shares 1206 BT Multi-manager Growth 1235 BT Technology 1219 BT Australian Share 1205 Aberdeen Actively Hedged International 1229 Equities

11 Keeping you informed How we keep in touch When you join You ll receive: a letter and statement confirming details of your new BT Super account details of how to access BT Online PIN to access the BT Link phone service (see below). If you leave If you make a withdrawal and you re under age 60, you ll receive a Superannuation Lump Sum Payment Summary. You should retain this document and include it with your income tax return. If you roll over some of your money to another super fund, you ll receive a Rollover Benefits Statement. Sign up to receive SMS transaction confirmations Regular communications You ll receive a number of regular communications from us. Annual statement detailing your BT Super account balance, fees and transactions for the year, beneficiary details and insurance information. Annual report for BT Super available online, detailing the management of BT Super and the performance of the investment options. Confirmation of certain transactions on your BT Super account, including contributions and rollovers into your BT Super account, changes to your account details and withdrawals. We can SMS your Australian mobile phone to confirm your transaction has been processed, when you make a one-off contribution or withdrawal, or update your address. There are no additional charges for this service visit bt.com.au/sms to sign up and read the Terms and Conditions of this service. You can also register by calling us on , or completing the relevant section of the application form or a transaction request form. Easy access to your account information BT Online at bt.com.au By phone on To log in, enter your Investor Number and 8-character password. You can then: view your account balance and insurance details view your account transaction history switch between investment options make additional contributions to your super monitor the performance of your investment options view the latest BT Benefits offers and discounts that you have access to as a BT Super member update your contact details, and update your TFN. BT Link an automated phone service available 24 hours a day, seven days a week provides you with useful account information. Access BT Link by calling and entering your Investor Number and 4-digit PIN. Alternatively, you can call Customer Relations for assistance, Monday to Friday 8.00am to 6.30pm (Sydney time) on or Electronic notifications and updated information Where we re permitted to by law, important information about your investment in BT Super may be made available at bt.com.au or sent to an address that you nominate. It is therefore important that you nominate a current and active address and notify us immediately if it changes. For more details about information that we may provide electronically, please refer to the Terms and Conditions in the Other information section. How to obtain additional information You can find the following information about BT Super and how to manage your account at bt.com.au. Frequently Asked Questions providing more details about BT Super and super rules in general. Fund fact sheets containing detailed information about your investment options. Up-to-date unit price, management fee and performance information for your investment options. Forms to help you manage your super and insurance. If you require any additional information, such as a copy of the Trust Deed for BT Super, to help you to make an informed decision about investing, you can us at or call bt.com.au 11

12 Risks of super All investing involves a trade-off between risk and return. The key is to understand risk and work with it. Things you should consider before investing Your investment style Some things you should consider before making an investment choice are the length of time your money will be invested, the amount of money you re investing, your attitude to risk, the level of risk you re comfortable with, the level of earnings you re expecting from your investments and other investments you may already have. An aggressive investor has a higher proportion of higher risk investments. Growth assets, such as international and Australian shares and property, are viewed as higher risk. A conservative investor has a higher proportion of lower risk investments. Conservative assets, such as cash and fixed interest are viewed as lower risk. The relationship between risk and return Investment risk refers to the likelihood that your investment can rise or fall over a given period, which is called volatility. Investment return is the amount of earnings of a particular investment over time. Investment returns can be positive or negative ie the value of an investment can rise or fall. Generally, the higher the level of risk you re prepared to accept, the higher the potential returns or losses. Diversification One of the best ways to help manage risk is to diversify your portfolio. Diversification means spreading your investment across different investments, for example spreading your investment across a number of asset classes (such as shares, property, fixed interest and cash), industry sectors or regions. This helps reduce risk because the impact of poorly performing investments can be offset by the benefit from investments that are performing well. So by diversifying your portfolio, you can help reduce extremes in performance and reduce risk. You can select investment options that: spread your investment across a number of assets classes such as shares, property, fixed interest and cash invest in a particular asset class are spread across a range of investment managers. Investment timeframe History shows that the impact of extreme price movements experienced in higher risk investments can be reduced by investing over longer periods (five years or more). Investing in high risk assets for the short term may expose you to significant gain or loss but the likelihood of losses when invested in high risk assets reduces with every additional year of investment. Investors investing in cash for the long term potentially expose themselves to investing too conservatively and their investment being devalued by inflation. Consequently, your investment timeframe is an important factor in determining your investment style. Investing involves risks There will always be the risk of fluctuations in the value of an investment. Investment risk can be managed and even minimised but it cannot be completely eliminated. It is important to understand that not all risks are foreseeable and there is always a chance you could receive back less than you invested. The future performance of an investment option is not guaranteed and past performance is not a guide to future performance. You may lose money no matter which investment option you invest in

13 Some common types of investment risks are outlined in the table below. Risk type Security specific risk Market risk Currency risk Interest rate risk Derivatives and gearing risk Alternative investments risk Credit risk Liquidity risk Legal and regulatory risk, including taxation Product risk Description An investment in, or exposure to, a company or managed fund may be affected by unexpected changes in that company s or managed fund s operations (eg due to quality of management, or use of technology) or its business environment. Markets are affected by a multitude of factors including economic and regulatory conditions, market sentiment, political events, and environmental and technology issues. These could have a negative effect on the returns of all investments in that market and this may affect investments differently at various times. If an investment is held in international assets, a rise in the Australian dollar relative to other currencies may negatively impact investment values or returns. Changes in interest rates can have a negative impact, either directly or indirectly, on investment value or returns of all types of assets. Underlying funds may use derivatives and gearing (borrowing). The value of derivatives is linked to the value of the underlying assets and can be highly volatile. Potential gains and losses from derivative transactions can be substantial. Underlying funds may invest in alternative investments. Alternative investments is a category that includes a range of sophisticated investments, including hedge funds, venture capital, private equity, leveraged and management buyouts, commodities and futures trading funds. Like shares, property, fixed interest and cash, alternative investments are subject to certain risks that may include periods of large market falls, high volatility or reduced liquidity (ie the ability to sell investments immediately). Certain alternative investments carry significant risk. In addition, losses may arise due to other factors, including poor judgement, misconduct or fraud. Some investment strategies are reliant on key individuals. Some alternative investments may be based in countries where the level of regulatory supervision is lower than in Australia. There is a risk of loss arising from the failure of a debtor or other party to a contract to meet their obligations. This potentially arises with various investments including derivatives, and fixed interest and mortgage securities. This is the risk that an investment may not be easily converted into cash with little or no loss of capital and minimum delay either because there are not enough buyers in the market for the particular investment or due to disruptions in the marketplace. Securities in small companies in particular may become less liquid from time to time, and especially in falling markets. Changes are frequently made to superannuation law, which may affect your ability to access your investments. Changes can also occur in the taxation of super, which may affect the value of your investment. To maintain the quality and diversity of BT Super, changes may be made to BT Super including its features, fees or investment options at any time. For information about changes that may be made to the investment options, please refer to Changes to investment managers and investment options in the Additional Information Booklet Part 2 Investment. bt.com.au 13

14 Risks of super (Continued) Risk categories for the BT Super investment options We have allocated the BT Super investment options into five risk categories, according to their risk characteristics. The risk category for each investment option is set out in the Additional Information Booklet Part 2 Investment under Investment option choices and Investment option profiles. The table below contains a brief description of the investor risk profile for each risk category. Low risk and potential return High risk and potential return Stable Conservative Moderate Dynamic Aggressive Minimum suggested investment timeframe Up to 1 year 3 years + 5 years + 5 years + 7 years + For investors who do not like risk and/or need to access their funds in the near future. For investors who are looking for some growth but are mostly concerned about protecting their capital. For investors who are looking for good long-term returns while minimising large ups-and-downs in the short term. For investors who are prepared to take more risk in exchange for potentially higher earnings on their investments over the longer term. Dynamic investors are comfortable with volatility and the possibility of negative returns. For investors who are willing to take more risk in search of greater returns. Aggressive investors are comfortable with volatility and the possibility of negative returns and aim to invest over a long period

15 Fees and costs DID YOU KNOW? Small differences in both investment performance and fees and costs can have a substantial impact on your long term returns. For example, total annual fees and costs of 2% of your account 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 administration fees. 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. This document shows fees and other costs that you may be charged. These fees and costs may be deducted from your money, from the returns on your investment or from the assets of BT Super as a whole. Other fees, such as activity fees, advice fees for personal advice and insurance fees, may also be charged, but these will depend on the nature of the activity, advice or insurance chosen by you. Taxes, insurance fees and other costs relating to insurance are set out in another part of this document. You should read all the information about fees and other costs because it is important to understand their impact on your investment. The fees and other costs for particular investment options offered by BT Super are set out in the Additional Information Booklet Part 2 Investment under the heading Investment option choices. bt.com.au 15

16 Fees and costs (Continued) BT Lifetime Personal Super Type of fee Amount How and when paid Investment fee Issuer fee 1.03% 2.15% pa of the investment option s asset value, depending on your investment option Plus Performance fee estimate % 1 pa of the investment option s asset value, depending on your investment option Administration fee Buy-sell spread Nil Estimated to be % 2 of the amount invested in or withdrawn from the investment option, depending on your investment option Deducted from the assets of the investment option, and reflected in the unit price, on a daily basis. Performance fee deducted from the assets of the investment option and reflected in the unit price on a daily basis when investment performance targets are met. Cost of the buy/sell will generally be incurred when you invest and withdraw from an investment option. Switching fee Exit fee Advice fee relating to all members investing in a particular investment option Other fees and costs 3 Nil Nil Nil Member advice fee, if you agree a fee with your financial adviser Plus The member advice fee and insurance fees are deducted from your account balance on the date the fee or cost is incurred. Insurance fees (consisting of an Insurance plan fee of $5.35 per month and Insurance premiums), if you have insurance cover in BT Super Indirect cost ratio Expense Recoveries estimate of 0.10% 0.36% pa of the investment option s asset value, depending on your investment option Plus Regulatory Change Expense Recovery of up to 0.10% pa of the investment option s asset value The Insurance plan fee is deducted from your account balance on the last day of each month by deducting units in your investment options on a pro rata basis. Deducted from the assets of your Investment Option(s), and reflected in the unit price, on a daily basis. 1_ The performance fee is an estimate based on a historical fee as at 30 June The performance fee may be higher if certain investment performance targets are achieved in the future. 2_ Estimates based on the latest available figures at 31 March Buy/sell spreads may change from time to time. 3_ Additional fees may apply. Please refer to the Additional explanation of fees and costs section for more information. To understand all the fees and costs payable by you when selecting a particular investment option, refer to the Additional Information Booklet Part 2 Investment and our website bt.com.au, which will provide details of any changes to fees and costs

17 Additional explanation of fees and costs Tax and GST Unless otherwise stated, the fees quoted in this section are inclusive of Goods and Services Tax (GST) and net of any applicable Reduced Input Tax Credits (RITC). For more information about tax and super, refer to the How super is taxed section of the PDS. Advice fee An advice fee is an optional fee that may be paid from your BT Super account to your financial adviser for personal financial advice relating to your BT Super account. An advice fee only applies if you and your financial adviser agree to this fee being deducted from your account and a completed BT Advice Fee form is sent to us. Details of any advice fees will be set out in the Financial Services Guide (FSG), Statement of Advice (SOA) and, if applicable, your annual Fee Disclosure Statements, which your financial adviser is required to provide to you. You and your financial adviser may agree on an advice fee for a specified time period or on an ongoing basis. You can cancel an ongoing advice fee at any time by notifying us in writing. If you agree to pay an ongoing advice fee, every two years your financial adviser is required to give you the opportunity to review and decide whether to renew the arrangement. Your financial adviser must notify us if your advice fee arrangement ceases. We will not automatically cease the arrangement after the two year period. The advice fee is in addition to the fees disclosed in the Fees and costs table in this section. The following table sets out the advice fee options you and your financial adviser may agree on for your account. Details of any advice fees and fee rebates will appear on your annual statement. Type of advice fee Amount How and when paid One-off advice fee This is charged as a one-off fixed dollar fee. Ongoing advice fee This is a regular fee which can be paid to your adviser as either a fixed dollar fee or percentage of your account balance. An ongoing percentage based advice fee cannot be paid on any amount(s) you borrow to contribute to your BT Super account. Advice fee rebate If you commence an ongoing advice fee arrangement with your financial adviser, you will receive a fee rebate to your account representing the refund of ongoing commission amounts included in the management costs of your investment options. The amount agreed by you and your financial adviser. The total maximum advice fee that can be charged in any 12 month period 1 is $5,000 or 2.5% (GST inclusive) of your account balance when an advice fee payment is deducted from your account, whichever is lower. Deducted from your investment, by way of deduction of units, as a fixed dollar amount as at the date we receive your request. Deducted at the end of each month from your investment, by way of deduction of units, as either: a fixed dollar amount, or an amount based on a percentage of your account balance at the end of the month as agreed with your financial adviser % pa Calculated based on the asset value of your investment option(s) at the end of the month and generally credited as additional units proportionally to the end of that month. 1_ The 12 month period is based on the 12 months up to and including the month for which the advice fee payment is to be deducted. Example one-off advice fee If your account balance is $50,000 and you have agreed a one-off advice fee of $500, you will pay $500 as a one-off advice fee to your financial adviser. Example ongoing advice fee If your account balance is $50,000 at the end of the month and you have agreed an ongoing advice fee of 2% pa you will pay $83.33 [(2% $50,000)/12] in advice fees for the month to your financial adviser. bt.com.au 17

18 Fees and costs (Continued) Example advice fee rebate Based on an end of month account balance of $50,000 in the BT Balanced Returns investment option, at the end of month you would receive an advice fee rebate of $25 [(0.60% $50,000)/12]. Insurance fees Insurance premiums This is the fee charged by the Insurer to cover the cost of insurance available through BT Super. Insurance premiums are paid directly to the Insurer. Please see the Additional Information Booklet Part 3 Insurance for more details. If you re a member of BT Super prior to 1 July 2013, commissions (up to 17.93%) may be payable to your Financial Adviser, subject to existing arrangements in place between your Financial Adviser and us. This may impact the rates disclosed in the Additional Information Booklet Part 3 Insurance, and the cost of your insurance cover. Please call BT Customer Relations for rates applicable to you. Insurer payments The Insurer may pay BT Financial Group (ABN ), as administrator of BT Super, an amount, up to the rates specified below, as a fee for services and reimbursement for expenses incurred in relation to the insurance arrangements for BT Super. Death & TPD Insurance 24.98% of premiums Additionally, the Insurer may pay companies within the BT Financial Group or other related companies, a fixed dollar payment per annum, an amount which currently represents up to 2% of total premiums as a fee for services and for expenses incurred in relation to the insurance arrangements for BT personal and corporate super funds. For example, for an annual premium of $100, this would equate to $2.00 payable by the Insurer to companies within the BT Financial Group. These insurer payments are not additional fees or charges payable by you. The payments are retained by us or another related entity and may change over time. Insurance plan fee An insurance plan fee of $ is payable in addition to the insurance premium and is deducted on the last day of each month by the withdrawal of units from your investment. The deduction of units from your investment will be pro-rated across all of your investment options. The number of units deducted from your investment options to meet each insurance premium and fee will be calculated by dividing the dollar amount to be withdrawn from each investment option by the relevant investment option withdrawal price on the last day of the month. Transaction costs When we buy or sell investments for account holders we incur transaction costs. These transaction costs include brokerage and costs incurred when buying and selling units in underlying investment funds. Parts of these costs are met by the buy/sell spread. This fee is retained by the underlying investment managers of the relevant investment option (it is not a fee paid to us) and is an additional cost to you when you make an additional investment, withdraw or change investment options. The maximum buy/sell spread is currently 0.60% of the net value of the investment option s assets and is represented by the difference between the investment option s contribution price and the withdrawal price. There is no buy/sell spread for the BT Cash investment option. For example, if you invest $10,000 in an investment option with a buy/sell spread of 0.60%, you ll generally incur a cost of $30 when you invest in the investment option and $30 when you withdraw. We may vary the buy/sell spread for any investment option from time to time. Notice will not ordinarily be provided. However, the updated information will be available on our website bt.com.au. Performance fees BT Multi-manager investment options In the fees and costs table above, the Investment fee includes estimated performance fees for certain underlying investments of various investment options. Performance fees may be paid to some of the underlying investment managers of the investment options when they meet specific investment performance targets. An investment manager will only receive a performance fee when the investment return for its portfolio outperforms either the benchmark or a specific hurdle return. A performance hurdle may typically be a specified return above an applicable benchmark index. Usually, any prior underperformance must be made good before the investment manager can qualify for a performance fee. 1_ Fee for the 2014/2015 financial year. Increases at 1 July each year in line with inflation (as measured by CPI)

19 Any performance fee charged in an underlying investment will be incorporated in its unit price. Performance fees therefore affect the return on an investment option s underlying investments. The impact of performance fees on the investment option will be based on the extent by which the investment manager exceeds the performance target, multiplied by the performance fee rate, as applied to the amount of the investment option s investment exposure (see example below). The performance fee rate in an underlying investment of an investment option may be up to 30% of outperformance over the performance target. There is no guarantee that an investment manager will earn a performance fee and the actual fees paid are likely to vary each year. At the date of this document, the underlying investment managers of the following investment options may be paid performance fees. BT Multi-manager Conservative BT Multi-manager Balanced BT Multi-manager Growth BT Multi-manager High Growth Example Assume an underlying investment manager of an investment option who may be paid a performance fee of 20% per year, meets its investment performance target by outperforming the relevant benchmark in a given year by 3% (with no previous negative performance to be made up) and the investment option has 6% of its assets invested with that investment manager. This outperformance of 3% will result in a performance fee payable to the underlying investment manager of 0.60% (ie 20% 3%). As only 6% of the investment option s assets are invested with this underlying investment manager (and assuming no other underlying investment managers of the investment option may be paid a performance fee), the performance fee applicable to this investment option for the given year will be 0.036% (ie 0.60% 6%). Therefore, for every $50,000 you have invested in the investment option, you would effectively pay a performance fee of $18 ($50, %) for that year. Performance fee Macquarie Conservative investment option The investment option does not charge a performance fee but may invest in underlying funds (including other funds managed by Macquarie) that charge performance fees. Such a performance fee will be borne by the investment option and reflected in the investment option s unit price. Performance fees for underlying funds will generally not exceed 25% of the outperformance of the underlying fund over its benchmark. It is not possible to reliably estimate what the performance fee of an underlying investment will be for the following reasons. The underlying fund and the amount invested in those underlying funds may vary. The methodology employed by each underlying fund or manager in calculating the performance fee may differ. The investment manager cannot accurately forecast what the performance of the underlying funds will be in any given period or provide a forecast of what the performance fee will be. Performance fee - MLC Growth investment option A performance fee may be charged. The performance fee will generally fall between 0-0.1% pa however, in cases of exceptional performance, fees may be outside this range. This will only apply when the investment manager s returns exceed a specified level. Investment manager payments We may receive a payment back from the investment manager of underlying investment options, called an investment manager payment. Any such payments are generally based on the total amount invested in the underlying unit trust via BT Super. At the date of this document, we may receive an investment manager payment of up to 42% of the fees paid to the investment manager of underlying investment options, where that investment manager is external to the BT Financial Group. This represents an investment manager payment of up to 0.41% per year of the funds invested via BT Super. The amount of these payments may increase during the life of the PDS. These payments are not additional to the fees payable by you. These payments are retained by us or another member of BT Financial Group. Rebates/waivers for interfunding arrangements From time to time the investment options may invest in other funds that we, or a related entity, manage (related fund). Our current policy is: no contribution fee is payable to the related fund issuer fees are either not collected by the related fund, or if they are, they are rebated in full to the investing fund, and certain expense recoveries are fully rebated to the investing fund, but the related fund may incur those expenses up to the related fund s own limit in its constitution (if any). bt.com.au 19

20 xx Fees xx and costs (Continued) Incidental fees and costs These are additional costs to you, but apply in only certain circumstances as described below. Type of fee or cost Amount How and when paid Direct debit contribution charge Maximum charge of 12 cents per payment We ll recover this charge that we incur for direct debit contributions made by you, your spouse or your employer. The maximum charge may change without notice We currently don t charge this fee and you ll be notified of any fees that may be charged. Bank/Government charges Dishonour fee Variable, as charged by the relevant financial institution $ per dishonoured payment If money is debited from your bank account, the financial institution concerned may impose a fee/charge. This will be deducted from your bank account in addition to the amount withdrawn. Cheque deposits made to BT Super that are drawn on a foreign account will incur any transaction fees/charges imposed on currency. Standard Government charges and duties may also apply to investments and withdrawals. Charged at the time of dishonour by withdrawing units from your investment if there is insufficient money in your bank account to make a contribution. We currently don t charge this fee and you ll be notified of any fees that may be charged. 1_ Fee for the 2014/2015 financial year. Increases at 1 July each year in line with inflation (as measured by CPI). Changes to fees The governing rules of BT Super allow us to alter any of the fees and costs at our discretion and without your consent (up to any specified maximum that applies). However, we will notify you at least 30 days before any increase in fees or costs. The maximum fees and costs allowed under the Trust Deed are set out below. Details of current fees and costs as well as notification of any pending increases, including changes to underlying managed fund fees and costs, are available on our website bt.com.au (please refer to Electronic notifications and updated information in the Terms and conditions in the Other information section for more details about electronic notification). You should refer to our website in conjunction with the PDS and this document to determine the fees and costs that will apply to your investment in BT Super before making an investment decision. Maximum fees The Trust Deed provides for the following maximum fees. Type of fee Issuer fee Switching fee Dishonour fee Insurance Plan fee Maximum fee 2.50% for BT Partner and Multi-manager investment options 1.50% for all other BT managed investment options 1 5% of each switch $ per transaction $ per month 1_ Investment fee as shown in the table above is before any GST and any RITCs. 2_ Fee for the 2014/2015 financial year. Increases at 1 July each year in line with inflation (as measured by CPI). Regulatory Change Expense Recovery Recent regulatory reforms have required us to undertake a significant program of work to implement the reforms. In addition, we re being charged a levy to help fund government costs for supervising the superannuation industry; which we re entitled to recover. To help cover the significant cost of implementing these reforms and the levies, the Fund s Indirect Cost Ratio will increase by up to 0.10% for cost recoveries only and are expected to apply until reform implementation is completed in The amount charged will be reduced by any tax benefit you are entitled to receive

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