Your Super Guide. Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category. Contents. Important Information

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1 Australia Group Superannuation Fund Your Super Guide Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category Contents 1 About Nestlé Super p2 2 How super works p2 3 Benefits of investing with Nestlé Super p3 4 Risks of super p3 5 How we invest your money p4 6 Fees and costs p5 7 How super is taxed p6 8 Insurance in your super p7 9 How to open an account p8 Hotline Monday to Friday, 9am 5pm (AEST) Website Mail Nestlé Australia Group Superannuation Fund Locked Bag A5025 Sydney South NSW Important Information About this Product Disclosure Statement (PDS) This PDS provides a summary of the key information you need to make a decision. It includes links to additional information that is part of this PDS marked with a. This is important information you should read before making a decision to invest in Nestlé Super. You can obtain a paper copy of this additional information by calling the Hotline. The information provided in the PDS is general information only and doesn t take account of your personal financial situation or needs. You should obtain financial advice tailored to your personal circumstances. This Product Disclosure Statement (PDS) is produced by the Trustee of the Fund, Total Risk Management Pty Ltd (TRM), ABN TRM s Australian Financial Services Licence (AFSL) number is The Nestlé Australia Group Superannuation Fund ABN is Your Super Guide Nestlé Super Insured Accumulation

2 1 About Nestlé Super Nestlé Super is a corporate superannuation fund, with over $650 million dollars in assets under management and over 6,000 members. As an insured accumulation member, you have access to competitive fees, four investment options, insurance protection for current employees, super options for your spouse, pension options, leading member services and financial advice. To help you understand your benefits and make informed decisions the Fund offers you a website, phone Hotline, communication materials, education seminars and access to financial advice and licensed advisers. Nestlé Super (the Fund) is a superannuation fund that has a number of divisions: Insured Accumulation category: As an Insured Accumulation category member you have a super account that operates much like a bank account where deposits (i.e. contributions or rollovers) are made to the account and taxes, fees and optional extra insurance premiums (if applicable) are deducted. Investment earnings are applied to the account based on the returns (which can be positive or negative) of your chosen investment option. Defined Benefit (DB) category: Some of the benefits of DB category members may be calculated using a formula based on years of Fund membership and final average Fund Salary. Temporary category: Members in the Temporary category have a super account that operates much like a bank account where deposits (i.e. contributions or rollovers) are made to the account and taxes, fees and insurance premiums (if applicable) are deducted. Investment earnings are applied to the account based on the returns (which can be positive or negative) of the member s chosen investment option. Retained Membership category: For former employees of Nestlé Australia Limited to keep their super with the Fund and continue to enjoy the many benefits of membership. Spouse category: For spouses of Nestlé Australia Limited employees to also establish superannuation savings and enjoy the benefits of membership of the Fund. The Fund does not offer a MySuper product The Fund does not offer a MySuper product and does not have a default investment option. This means that you can only become a member of Nestlé Super if you have made an investment choice. Please note also that, under new legislation, the Fund may be required to transfer your account balance (referred to in the legislation as an Accrued Default Amount ) to a MySuper product by 1 July 2017, unless you elect to leave it in the Fund. We will communicate with all affected members in How super works Superannuation is a means of saving for your retirement that is, in part, compulsory. There are different types of contributions available (for example, contributions from your employer, contributions that you choose to make and Government co-contributions). There are also limitations on contributions to and withdrawals from, superannuation. Tax savings are provided by the Government. Most people have the right to choose into which superannuation entity their employer should direct their Superannuation Guarantee contributions. In Australia, superannuation investments receive special tax concessions that aren t available to other types of investments. That s why super is such a powerful vehicle to save for retirement. As your super is likely to be one of your biggest assets in retirement, the choices you make today can have a significant impact on your lifestyle in your retirement. You should read the important information about How super works before making a decision go to and access Guide to your Nestlé Super Insured Accumulation category IBR through Information >Booklets This material relating to How super works may change between the time you read this PDS and the day you join the Fund. Pension category: For employees of Nestlé Australia Limited who are retiring or making the transition into retirement who wish to keep their benefit in the Fund and draw it as a pension. Nestlé Super can provide you with tools and education to help you make sense of your super. To access the tools go to and select information. 2 Your Super Guide Nestlé Super Insured Accumulation

3 3 Benefits of investing with Nestlé Super As an employee of Nestlé Australia Limited and a member of Nestlé Super, you automatically receive a range of employer provided benefits as outlined below. If you choose another superannuation fund, these benefits may not be available. All contributions and positive investment earnings are credited to your account. Any fees, tax and negative investment earnings are debited from your account. When you leave the Fund, the balance of your account will be paid to you (or to another fund, as directed by you). You can choose how your account is invested, from the available investment options. In the event of your death or if you become disabled while a member of the Fund, you may receive a death or Total & Permanent Disablement Benefit (refer to section 8). Eligible employees also receive Income Total Disablement (income protection) insurance cover. If you leave your employer for any reason other than Death or Total & Permanent Disablement, you will receive a Leaving Service Benefit. Your Leaving Service Benefit is the final balance of your accounts in the Fund on the date your benefit is paid. Saving on insurance If you are eligible Nestlé Australia Limited pays your basic insurance premiums on your behalf for Death cover, Total & Permanent Disablement cover and Income Total Disablement (income protection) insurance cover. Investing in Nestlé Super offers you a range of benefits: Investment choice you can choose from 4 different investment options. Flexibility you can choose the best way to invest to suit your personal circumstances. You can top up your investment at any time. You can switch your investment option quarterly. Calculators Our online super calculators help you model outcomes using your specific circumstances. General advice over the phone You can receive free general advice via our Hotline. If you need more detailed advice, we can refer you to a licensed financial adviser. Personal financial advice A qualified, professional financial adviser can help you learn more about super and ensure you are on track to meeting your financial goals. If you do not have a financial adviser call our Hotline and we can refer you to one who is trained on the features and benefits of Nestlé Super. Our website (www.nestlesuper.com.au) houses a wealth of useful information. It gives you access to your account details and investment options. You should read the important information about the Benefits of investing in Nestlé Super before making a decision go to and access Guide to your Nestlé Super Insured Accumulation category IBR through Information > Booklets This material relating to Benefits of investing with Nestlé Super may change between the time you read this PDS and the day you join the Fund. 4 Risks of super Risks associated with superannuation investments All investments carry some level of risk. Super funds invest in a range of asset classes for example, cash, bonds, property and shares that have different levels of risk, and offer a variety of investment options reflecting different weightings of these asset classes. The likely investment return, and the level of risk of losing money, is different for each investment option depending on the underlying mix of assets. Those assets with potentially the highest return over the longer term also have the highest risk of losing money in the shorter term. Growth assets, like shares and property, have relatively higher risk and higher expected return, than defensive assets, like fixed interest and cash. The appropriate level of risk for you will depend on a range of factors including your age, investment time frame, where other parts of your wealth are invested, and how comfortable you are with the possibility of poor or negative returns from time to time (that is, your risk tolerance). When considering your investment in super, it is important to understand that: the value of your investment will go up and down; the level of your investment return will vary; investment returns are not capital guaranteed, therefore you may lose some of your money; past returns are not indicative of future performance; your super savings (including contributions and returns) may not be enough to provide you with an adequate income for your retirement; and the laws relating to superannuation may change during the life of your investment and this might affect your final benefit, as well as how and when it is paid. To manage your risks, you should obtain professional financial advice that is tailored to your investment objectives, financial situation and particular needs. It is also important to remember that your risk tolerance may change as you get older. When assessing which option to invest in, we recommend you pay particular attention to the investment return objective, suitability, minimum investment timeframe, investment strategy and risk levels sections given for each investment portfolio. Other risks associated with your membership in the Fund As with any superannuation fund, the Fund s rules or management may change and this may impact your membership, benefits you receive and fees that you pay, either in a positive or negative way. As outlined in section three, the Company currently pays for the cost of your basic insured benefits. This may cease at some point in the future. Should this happen, you will be notified in advance. Your Super Guide Nestlé Super Insured Accumulation 3

4 5 How We Invest Your Money Nestlé Super offers members four investment options to choose from. You can only invest in one option for your eligible accounts at a time. As outlined in Section 1, you cannot join Nestlé Super unless you have made an investment choice, telling us how your contributions and account balance are to be invested. WARNING You must consider the likely investment return, the risk and your investment timeframe when choosing the option into which you wish to invest. The Fund s investment options and target asset allocations Nestlé Cash option 100% defensive assets Nestlé Conservative option 70% defensive assets / 30% growth assets Nestlé Growth option 30% defensive assets / 70% growth assets Nestlé High Growth option 100% growth assets The investment options offered by Nestlé Super are managed by Russell Investment Management Limited ( Russell ). Russell have been advising people on investments for over 75 years. Russell s mission is simple to improve the financial security of investors just like you. Russell does this by searching the globe for the best investment managers and bringing them to you through a carefully constructed range of investment products such as those you can access as a member of Nestlé Super. You should read the important information about How we invest your money, which will have details on each of the investment options, before making a decision go to and access Guide to your Nestlé Super Insured Accumulation category IBR through Information / Booklets This material relating to How we invest your money may change between the time you read this PDS and the day you join the Fund. Nestlé Growth option Investment return objectives: To earn a return after expected costs and tax, exceeding CPI * by 4.0% p.a., measured over rolling five-year periods. To earn a return after tax and fees in excess of the median of relevant peers in the relevant funds universe. Suitability: Suitable for investors who are seeking to build wealth over the medium to long term and are willing to accept the possibility of negative returns over the shorter term. Minimum suggested timeframe: Be prepared to stay invested in this option for at least five years before it meets its objectives. Nestlé Conservative Option Investment strategy: The option is typically exposed to a diversified portfolio mix of growth investments (around 70%) and defensive investments Australian Equities (around 0% 30%).^ The option 25% may be exposed to derivatives. Estimated International Investment Equities 0% fee: 0.58% ~ 25% p.a. Property 0% 20% Risk level ** : Fixed Income 10% 60% Short-term risk is the risk that a member s superannuation savings will be reduced by Cash annual 0% volatility of investment markets. 50% Long-term Infrastructure risk is the 0% risk that 15% a member s superannuation savings will not significantly Commodities outperform 0% 10% inflation over a member s superannuation accumulation lifetime. Other Alternatives 0% 15% Risk level for the time invested Term Short Long Risk Nestlé Medium Cash Option to High Low Estimated number Cash of 0% negative annual returns over any 20-year 100% period: Approximately 4 to 5 Nestlé Asset allocation High GrowthOption ranges # Australian Equities International Equities Property 0% Fixed Income 0% Cash 0% Infrastructure 0% Commodities 0% 15% 15% 10% 25% 25% Other Alternatives 0% 25% Nestlé High GrowthOption * CPI stands for Consumer Price Index, which is used as a measure of inflation. ^ Please Australian refer to Equities the asset allocation 25% ranges for details of the parameters 65% surrounding the investment strategy. International Equities 25% 65% ~ Indicates a performance fee element. ** The risk level Property is not a complete 0% assessment 30% of all forms of investment risk, for instance it does not detail what the size of a negative return could be, nor the Fixed Income 0% 15% potential for a positive return to be less than the return an investor may require to meet their objectives. Cash 0% 15% # The actual asset allocation may temporarily fall outside the ranges stated above in certain Infrastructure circumstances, 0% such as asset transitions 25% or extreme market movements. Commodities 0% 10% 30% 35% 45% 45% Other Alternatives 0% 25% Your Super Guide Nestlé Super Insured Accumulation

5 6 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 fund balance rather than 1% could reduce your final return by up to 20% over a 30 year period (for example, reduce it from $100,000 to $80,000). You should consider whether features such as superior investment performance or the provision of better member services justify higher fees and costs. You may be able to negotiate to pay lower contribution fees and management costs where applicable. Ask the fund or your financial adviser. Nestlé Growth option Type of fee Amount How and when paid Investment fees* Administration fee 0.58% p.a of your account balance Estimated cost of 0.20% p.a. of your account balance. Plus a fixed-dollar amount of $104 p.a. Buy-sell spread Nil Not applicable Switching fee Nil Not applicable Exit fee Nil Not applicable Advice fees Nil Not applicable Other fees and costs Indirect cost ratio (ICR) Family Law Request for information $250 for initial request and $50 for each subsequent request. Splitting a benefit fee equal to the lesser of $1,000 and the actual costs incurred by the Fund. Operational Risk Reserve (ORR) # cost of 0.13% p.a. of your account balance. Investment fees are deducted from investment earnings and are reflected in the earnings for each option. The percentage administration fee is deducted from investment earnings. The fixed dollar administration fee is deducted effective 31 December or (proportionally) if you leave the fund during the year. Family Law fees are payable for information requests and for payment splits. You can read more about these fees in the Additional Explanation of Fees and costs section of Guide to your Nestlé Super Defined Benefit category IBR. These costs are deducted from investment earnings and are reflected in the earnings for each option. # The Trustee is required by law to establish an Operational Risk Reserve equal to 0.25% of assets. To spread the impact on investment performance, the ORR is deducted monthly up to a maximum of 0.13% or 13 basis points per year. * The Investment fee varies according to the option you invest in. The quoted fee here is for the Nestlé Growth Option. To find out more If you would like to find out more, or see the impact of the fees based on your own circumstances, the Australian Securities and Investments Commission (ASIC) website (www.moneysmart.gov.au) has a superannuation calculator to help you check out different fee options. It can also be used to calculate the effect of fees and costs on account balances. The table to the left shows fees and other costs that you may be charged in respect of the Nestlé Growth option. The information can be used to compare costs between different superannuation products. These fees and costs may be deducted from your account, from the returns on your investment or from the assets of the option as a whole. Taxes and insurance costs are set out in another part of this document. You should read all the information about fees and costs because it is important to understand their impact on your investment. Example of annual fees and costs for the Nestlé Growth option The table below provides an example of how the fees and costs in the Nestlé Growth option can affect your superannuation investment over a one year period. You should use this table to compare this product with other superannuation products. Example: Growth option Contribution fees: Investment fees: PLUS administration fees: PLUS indirect costs: EQUALS cost of product: Balance of $50,000 with a contribution of $5,000 during the year. $0 For every additional $5,000 you put in, you will be charged $ % p.a. For every $50,000 you have in the Growth option you will be charged $290 each year. 0.20% * p.a. of your account balance Plus $104 p.a. ORR of 0.13% p.a. ($65) And, you will be charged $100 per year in administration fees, plus an annual administration fee of $104 regardless of your balance. Total: $204. And, indirect costs of $65 each year will be deducted from your investment. If you had a balance of $50,000, at the beginning of the year and had additional contributions of $5,000 during the year, you would be charged fees of $559. What it costs you will depend on the investment option you choose. * Note that this fee may vary slightly, dependant on the actual costs and expenses incurred by the Fund in any given year. Changes in fees The Trustee has the right to change Nestlé Super s fees at any time, without your consent. Any material increase in the fees you are charged will be communicated to you at least 30 days before it occurs. This includes the change in fees when you terminate your employment. You should read the important information about Fees and costs before making a decision go to and access Guide to your Nestlé Super Insured Accumulation category IBR through Information > Booklets This material relating to Fees and costs may change between the time you read this PDS and the day you join the Fund. Your Super Guide Nestlé Super Insured Accumulation 5

6 7 How super is taxed Superannuation is one of the most tax-effective ways to save for retirement. Even so, taxation laws are complex and subject to change. To make the most of your superannuation, you might like to consult your accountant or tax adviser for specific details about how you will be taxed. This advice may be particularly useful as you approach retirement and need to decide how and when to withdraw your super. Generally, the Fund pays all tax relating to your benefit and, where applicable, deducts it from your account balance. Contributions There are limits, set by legislation, on the amount of superannuation contributions that are taxed at a concessional rate. If you make contributions in excess of these limits, you will have to pay additional tax. Contributions made by your employer, or by you from your before-tax pay, are called Concessional Contributions, and these contributions have contributions tax deducted from them. If your contributions exceed the concessional limit, the excess contributions will be included in your assessable income see below for more information. No tax is payable by the Fund on non-concessional contributions. However, if your non-concessional contributions exceed the relevant contribution limit, you will have to pay excess contributions tax. Excess contributions tax Concessional contributions, also known as before-tax contributions, include all contributions made from your before-tax salary, including salary sacrifice contributions and employer contributions. The concessional contributions limits are: Age under 50 Age 50 and over From 1 July 2014 $30,000 $35,000 Before-tax contributions are generally taxed concessionally (15% contributions tax is deducted from before-tax contributions) up to a Government limit. Contributions tax for people with a total income of $300,000 or more increased to 30% from 1 July For people with an income that is less than $300,000 but the inclusion of any concessional contributions pushes their income over this threshold, the 30% tax will only apply to that part of their concessional contributions that is in excess of this threshold. The Fund must also pay contributions tax on the actual contributions paid by your employer. All excess concessional contributions will be taxed at your marginal rate plus Medicare levy. A tax offset of 15% is provided, to allow for the tax paid by the Fund. In most cases, an excess concessional contributions charge will be payable. You can elect to have up to 85% of the excess contributions released from the Fund, to avoid having them count towards your non-concessional contribution limit. Excess concessional contributions count towards your non-concessional contribution limit for the relevant financial year. Non-concessional contributions, also known as after-tax contributions, are contributions made from after-tax money. Non-concessional contributions cannot be accepted by the Fund if your Tax File Number (TFN) has not been provided to the Fund by you or your employer. If the Fund receives a non-concessional contribution and if we have not received your TFN within 30 days from the date of receipt of the contribution, we must return it. The non-concessional contribution limit is: Age under 65 From 1 July 2014 $180,000 $540,000 Bring forward rule over 3 years If you are considering making contributions in excess of the annual non-concessional contribution limit, please call the Hotline to obtain further information about how this bring forward provision operates. If your non-concessional contributions to the Fund exceed your nonconcessional contribution limit or are below your non-concessional contribution limit, but you have made contributions to another fund and together these exceed your non-concessional contribution limit, then any contributions received by the Fund in excess of the non-concessional contribution limit will be taxed at the top marginal rate plus the Medicare levy. WARNING If you exceed your Concessional Contribution limit, excess contributions will be taxed at the your marginal tax (including the Medicare levy) rate plus any applicable excess concessional contribution charge. These excess Concessional Contributions will also count towards your Non-concessional Contribution limit. If you exceed your Non-concessional Contribution limit, excess contributions will be taxed at the top marginal rate plus Medicare levy. Investment earnings Investment earnings in superannuation are taxed at a maximum rate of 15%. The investment return we disclose to you is net of tax. Withdrawals Tax on withdrawals varies depending on your age, the type of withdrawal and the ratio of taxable to tax-free components in your account. We withhold appropriate tax from amounts we pay to you. WARNING Providing your TFN You should provide us with your Tax File Number (TFN) when you become a member of the Fund. If neither you nor your employer provides Nestlé Super with your TFN, all Concessional Contributions will be taxed at the top marginal rate plus Medicare levy and you cannot make after-tax contributions. Tax will be withheld at the top marginal rate plus Medicare levy on the taxable component of any benefit payment made to you. 6 Your Super Guide Nestlé Super Insured Accumulation

7 You should read the important information about How super is taxed before making a decision go to and access Guide to your Nestlé Super Insured Accumulation category IBR through Information > Booklets This material relating to How super is taxed may change between the time when you read this PDS and the day when you join the Fund. 8 Insurance in your super Insurance is an important benefit designed to protect you and your family when you need it most, so it s important you have adequate cover for your own personal circumstances. There are three types of insurance cover available to eligible members through the Fund via a policy held by the Trustee. Nestlé Australia pays for the cost of this insurance cover. Death cover that provides an insured lump sum in addition to your account balance, if you die. Total and Permanent Disablement (TPD) cover that provides an insured lump sum in addition to your account balance if the Trustee and the insurer determine that you have become totally and permanently disabled. If your date of disablement is on or after 1 July 2014, you must satisfy the definition of permanent incapacity or terminal medical condition in Superannuation Law before the insurer can pay your claim. Income Total Disablement cover provides an insured monthly income benefit, if through illness or injury, you are unable to work. If your date of disablement is on or after 1 July 2014, you must satisfy the definition of temporary incapacity in Superannuation Law before the insurer can pay your claim. Generally, to be eligible for insurance cover you need to be a permanent employee under age 65 who works at least 15 hours per week. If you are not eligible for insurance, or if the Insurer does not provide the insurance cover requested by the Trustee, you will not receive an Income Total Disablement Benefit and your Death and Total & Permanent Disablement Benefits would be reduced accordingly. If this applies to you, you will be notified by the Trustee. Optional extra insurance You can apply to purchase optional extra Death and Disablement insurance through the Fund. The optional extra insurance is currently provided through the policy held by the Trustee. The cost of this cover, if approved by the Insurer, will be deducted from your account. The cost depends on your age. For example, if you are 45, you can purchase additional death/tpd cover of $45,000 at an annual cost of $80. Cover ceases at age 65. To apply for optional extra insurance please call the Hotline on You should read the important information about Insurance in your super before making a decision go to and access Guide to your Nestlé Super Insured Accumulation category IBR through Information > Booklets. This material relating to Insurance in your super may change between the time you read this PDS and the day you join the Fund. Death benefit If you die while you are an employee of Nestlé and an eligible member of the Insured Accumulation category, your beneficiaries or your estate will receive a lump sum Death Benefit, which is: Your Leaving Service Benefit plus An insured Lump Sum equal to one month s Fund Salary for each year (a proportionate amount applies for part years) from the date of your death until your 65th birthday. Total and Permanent Disablement (TPD) benefit If you satisfy the definition of Total & Permanent Disablement your TPD Benefit is calculated in the same way as your Death Benefit. Insurance restrictions may also apply. Income Total Disablement benefit If you become Totally Disabled, you may be entitled to an insured Income Disablement Benefit. Unless you have been advised that a different benefit applies to you, your Income Total Disablement Benefit is generally up to 60% of your Fund Salary per annum for a period of up to two years. You do not need to have terminated your employment with Nestlé in order to apply for this benefit. However, after you have been off work for twelve months (six months if you became disabled prior to 1 July 2009), you do need to have terminated employment in order for the payments to continue. Your Super Guide Nestlé Super Insured Accumulation 7

8 9 How to open an account How to apply You should complete the Member Application Form and a Nomination of Dependant Form if you wish to nominate beneficiaries. Remember that you cannot become a member of the Fund if you have not made an investment choice. Enquiries or complaints If you have any questions that are not answered in this PDS, please call the Fund s Hotline. If your enquiry is not resolved to your satisfaction and you wish to lodge a complaint, please contact us: By mail Enquiries and Complaints Officer Nestlé Australia Group Superannuation Fund, Locked Bag A5025 Sydney South NSW 1235 By By telephone Depending on the nature of your complaint, we may ask you to provide further information in writing, so that we can fully understand the complaint. We will provide assistance to you if necessary and a prompt written acknowledgment of receipt of your complaint. Our goal is to handle your complaint efficiently and fairly and we will provide the Trustee s decision as quickly as possible. However, if your complaint relates to a death claim or to a declined disablement claim, it may take some time to gather all the information necessary to enable the complaint to be properly considered. If our enquiry and complaints procedure does not resolve the issue within 90 days, you may be able to take the matter to the Superannuation Complaints Tribunal. The Superannuation Complaints Tribunal is an independent body established by the Federal Government to assist members and their beneficiaries with certain types of complaints. The Tribunal can be contacted: By phone By By mail Superannuation Complaints Tribunal Locked Bag 3060 Melbourne VIC 3001 You can obtain advice in relation to the complaints handling process or feedback on the status of your complaint by calling us. 8 Your Super Guide Nestlé Super Insured Accumulation NES_PDS_SF_InsAcc_V1F_1411

9 Australia Group Superannuation Fund Member Application Form Insured Accumulation Members Must be sent to your Pay Office after you have completed all relevant sections. Personal Details Title Mr Mrs Miss Ms Family name First name X Second (middle) name X Date of birth D D M M Y Y Y Y Sex M / F Address X X X _Postcode X Phone no. Business X X X X X X X X X X After hours X X X X X X X X X X * Mobile X X X X X X X X X X Paid Weekly Fortnightly Monthly (tick appropriate box) * By providing your address and/or mobile phone number you are confirming you would like to receive, where possible, future communications electronically by , online (through the log in area) or by SMS. Remember, you can all the Hotline to request a paper copy of any such communication or to request that we send you future communications in paper format. X Member Investment Choice As a new member of Nestlé Australia Group Superannuation Fund, you must nominate how your account balance and all contributions are to be invested. Please complete the section below. You MUST nominate the investment option into which contributions are to be invested by completing this section. I direct that my benefit is to be invested in the option nominated below. This direction is to remain in force for so long as I am a member of the Nestlé Australia Group Superannuation Fund, unless replaced by a new direction. You can change your investment option up to four times each year, i.e. effective on any 1 January, 1 April, 1 July and 1 October. Cash option (100% defensive assets) Conservative option (70% defensive assets / 30% growth assets) Growth option (30% defensive assets / 70% growth assets) High Growth option (100% growth assets) For more information about member investment choice please read both parts of your Product Disclosure Statement ( PDS ) carefully. You can also change your investment option online at once you have received your Welcome Kit from the Fund. Optional Extra Insurance You can apply to purchase optional extra Death and Disablement insurance through the Fund. To apply for Optional Extra Insurance, you should complete the Application for Optional Extra Insurance Form. You can download a form online at > Information > Forms 1 Nestlé Australia Group Superannuation Fund www. nestlesuper.com.au

10 Application for membership Insured Accumulation Members Tax File Number It is important that you read the information on this page about the provision and use of your TFN. Under the Superannuation Industry (Supervision) Act 1993, the Nestlé Australia Group Superannuation Fund is authorised to collect your TFN, which will only be used for lawful purposes. These purposes may change in the future as a result of legislative change. The trustee of your superannuation fund may disclose your TFN to another superannuation provider, when your benefits are being transferred, unless you request the trustee of your superannuation fund in writing that your TFN not be disclosed to any other superannuation provider. It is not an offence not to quote your TFN. However giving your TFN to your superannuation fund will have the following advantages (which may not otherwise apply): your superannuation fund will be able to accept all types of contributions to your account/s; the tax on contributions to your superannuation account/s will not increase; other than the tax that may ordinarily apply, no additional tax will be deducted when you start drawing down your superannuation benefits; and it will make it much easier to trace different superannuation accounts in your name so that you receive all your superannuation benefits when you retire. If you choose to provide your TFN to the Fund, please write it in the space provided below: I elect to provide my TFN to the Trustee. Tax File Number (TFN): X X X X X X X X X Consent to search for your super X Tick this box to provide consent By ticking this box you are consenting to the Trustee of Nestlé Australia Group Superannuation Fund using your TFN to search for other super accounts you may have, now and in the future, using a facility provided by the ATO. If the ATO search reveals that you have accounts with other funds, you authorise the Trustee to contact those funds in order to get information about those other accounts. Declaration I hereby apply to become a member of the Nestlé Australia Group Superannuation Fund and agree to be bound by the provisions of the Trust Deed. I declare the above information is correct, and I acknowledge receipt of the Product Disclosure Statement which explains the benefits provided by the Fund, why information about me is collected and how that information may be used. Signature X Date D D M M Y Y Y Y Return your completed form to your Pay Office Office use only: Calculated member contributions Membership data reviewed on D D M M Y Y Y Y by Fund Administrator. Issued by Total Risk Management Pty Ltd (ABN ), as Trustee for the Nestlé Australia Group Superannuation Fund (ABN ). The Trustee is an Australian Financial Services Licensee (Licence No ). Date of issue: December Nestlé Australia Group Superannuation Fund www. nestlesuper.com.au

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