Terry White Chemists Superannuation a sub plan of FirstChoice Employer Super

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1 July 2013 Page 1 Contents Category 1 - Permanent and Part Time staff working more than 15 hours per week Benefits in Brief...1 Getting Started...1 Your Investment Choices...2 Benefits of Insurance Cover...2 Competitive Fees...3 What other Benefits are available?...4 Consolidating Your Super...5 Staying in Touch with Your Super...5 Welcome to the team at Terry White Chemists. As a valued member of the team, you are eligible to join the corporate superannuation plan that is specifically designed for all our staff. It offers you great benefits and the flexibility to tailor your super to suit your own unique circumstances. Our superannuation plan is part of FirstChoice Employer Super. FirstChoice Employer Super is offered through Colonial First State, one of the largest and leading superannuation fund managers in Australia. The Benefits in Brief Keep all your super funds together in the one account for life and never lose the benefits. Find Lost Super...5 Importance of Advice...6 In Summary...6 Contact Information...6 Access to over 35 investment options that helps you tailor your investments and make the most of your super. If you don t want to choose your investments, the super fund will do it for you. Generous insurance cover to protect you and your family in the event of unforeseen circumstances such as illness, injury or death. You automatically receive insurance without having to provide medicals and you re covered 24 hours a day, 365 days of the year throughout the world. A low cost fund that allows you to access education, advice and information at any time. Access FIRSTBENEFITS and WEALTH PACKAGE and receive special benefits through your super such as savings off home loans and bank accounts. Make the most of your super and start saving tax effectively now so you can maximise your benefits for the future. Please read through the information contained in the following pages carefully and make an informed choice about your super. Getting Started When you commence employment you need to make a decision as to where your superannuation contributions are to be paid. If you wish to join our corporate super plan, you simply need to complete the attached Choice Form completing sections 1 and 2 and we will start contributing to your account. If you would like to nominate your own superannuation fund, please complete Sections 1, 2 and part B of section 3 and ensure you provide the information requested under Section 4. Please return your Choice form to Tasha Banks at White Retail Group either by fax : (07) or, by at Remember Super is your money, so take some time out and find out what our corporate plan can provide to you.

2 July 2013 Page 2 Your Investment Choices You have total flexibility to choose your own investments that best match your personal retirement strategy and goals. You can choose from over 35 investment options and tailor a strategy that best suits you. Like most super funds if you don t make a choice, the fund will manage your investments. If you don t choose your own investments, your super will be invested in the FirstChoice Lifestage investment option. Understanding how to invest your super is very important. Superannuation fund members are investors and as an investor, there are 3 core principles you should consider. These are: 1. Understanding your investment time horizon; 2. Understanding the advantages of investing regularly; and 3. Understanding Risk and the importance of Diversification. Generally speaking the longer your time horizon to retirement i.e. the length of time before you access your super, the more time you have in which to invest in Growth assets, such as shares and Property Securities that may provide significantly higher investment returns over the long term. That is why under the Lifestage investment option, the fund will automatically allocate your super across both Growth and Defensive assets and as you steadily move towards retirement, the fund will reduce the level of investment risk by allocating your super to more defensive assets. Further details on investments can be obtained by reading through the FirstChoice Employer Super Product Disclosure Statement (PDS.) The PDS can be obtained by contacting Colonial First State on Benefits of Insurance Cover Insurance cover is a valuable benefit that at times can be overlooked. It provides protection for you and your family in the event of an unforeseen event such as disability or death. It gives you peace of mind that you are covered 24 hours a day, 365 days of the year in or out of work and wherever you are in the world. Under the corporate super plan, members will receive generous insurance cover without the hassle of having to undergo medical exams or tests, provided you join the plan when you are first eligible, that being at commence of employment. Permanent and Part Time staff working more than 15 hours per week will receive the following insurances when they join the plan. Type of Insurance Cover What is it? Who is it for? Life (Death) cover Helps protect your family if you die prematurely. Provides a lump sum that can help pay off debts or to pay an income to your beneficiaries. Families, Dependants and Estates Total and Permanent Disablement (TPD) cover Salary Continuance cover Protects you from the financial consequences of being totally and permanently disabled. The lump sum should help you pay medical bills, rehabilitation costs, cover debts or to provide an income to your family. Provides a regular income when you are unable to work because of illness or injury. Individual, Families and Dependants Individual and Families

3 July 2013 Page 3 Benefits of Insurance Cover continued... Members will have a choice of 3 levels of Death and TPD Cover. Each option is defined by a different multiple of your annual salary. The 3 options are: Option 1-5 x Salary Option 2-6 x Salary* Option 3-7 x Salary * You receive Option 2 automatically when you first join the fund. You also have the option to choose either one of the two other options within 30 days of receiving your membership Welcome Kit. Example: Member has an annual salary of $50,000 pa. Option 2 is calculated as 6 x 50,000 = $300,000 Benefit payable = $300,000 plus the member s account balance On joining the plan members will also receive Salary Continuance Insurance (SCI) cover. In the event that a member is unable to work due to disability, a claim for salary continuance benefits can be made to the trustee. If the benefit claim is accepted, a monthly income benefit of 75% of salary is payable. The benefit is paid for up to 2 years after an initial waiting period of 30 days. Example: Member has an annual salary of $50,000 Monthly benefit = 75% of $50,000 Benefit payable = $3,125 per month (gross of income tax) These days it s difficult to get insurance cover unless you re healthy and well, and the last thing you want to do is jump through hoops to get it. If you join the plan when you re first eligible (i.e. when you first commence employment), your insurance cover will be accepted up to the plan s Automatic Acceptance Limit of $1.5m for Death and TPD and $12,000 per month for Salary Continuance. Please remember that you have total flexibility to change your insurance cover at any time. The premiums for Death, TPD and SCI cover are deducted from your super account on a monthly basis. Premiums will vary depending upon a variety of factors such as: Your age next birthday, Gender, Occupation; and Your annual salary If you would like to know the cost of your insurance cover, please contact Colonial First State on , or our corporate advisors Verum Financial Partners on Further details on the provision of insurance cover can be obtained by reading through the FirstChoice Employer Super Insurance Product Disclosure Statement (PDS.) The PDS can be obtained by contacting Colonial First State. Competitive Fees As a result of our negotiations and the buying power of Terry White Chemists, we have secured excellent benefits and services at a competitive price. Listed in the table on the following page are the fees applicable to the super plan.

4 July 2013 Page 4 Competitive Fees continued... Type of Fee Establishment Fee Contribution Fee Member Fee Rate $1.25 per month Management Cost* 0.70% Switching Fee Withdrawal Fee Termination Fee The following example is an estimate of the fees based on a member with an account balance of $20,000 invested in the FirstChoice Lifestage option. Type of Fee Estimated Amount Member fee $1.25 per month Management Cost* - $20,000 x 0.70% $11.67 Total fees $12.92 per month * The Management cost reflects the Investment fees applicable to the trustee s default investment strategy, FirstChoice Lifestage. This fee is reflected in the investment option s daily Unit Price and also includes the large plan fee discounts for the Terry White Chemists plan. What other Benefits are available? Savings on Personal Banking. Membership of the corporate plan comes with additional benefits. If you are a member of the plan, you have access to the following home loan savings offered by the Commonwealth Bank:

5 July 2013 Page 5 What other Benefits are available continued... Savings on Private Health Insurance. Through FirstChoice Employer Super, members have the option of obtaining Private Health insurance offered through BUPA via the FIRSTBENEFITS program. In brief, the benefits of this offer gives super fund members access to a range of products, designed and packaged specifically with corporate savings and premium discounts. In addition, the FIRSTBENEFITS program will provide members with savings on a range of services and merchandise across five lifestyle categories: for the home, for the kids, travel & accommodation, Entertainment; and red hot deals. Your Spouse can also join the fund and enjoy the same benefits as an employee member of the fund. Further details will be provided to you in your Welcome Kit. Consolidating Your Super As you change jobs, chances are you will have super in more than one fund and you re probably receiving several statements and all the while being charged for several sets of fees and costs. You can consolidate and transfer other super into your FirstChoice Employer Super account and of course you should seek advice. Colonial First State and Verum Financial Partners can assist you with consolidating your super. Staying in Touch with Your Super Managing and keeping track of your super is simple. Once you join the plan you ll receive confirmation of your membership and receive internet access to your account so you can view and make changes to your account at any time. You will also receive account statements every six months. Finding lost Super Fortunately, you can locate any lost super through the Australian Taxation Office s free SuperSeeker tracing service, online at ato.gov.au/super. You ll need to provide your name, date of birth and Tax File Number. Alternatively you can also phone the ATO on and they will let you know if you have any lost super on their register. If you would like assistance from Verum Financial Partners in tracking down any lost super, please complete the attached Lost Super Search Authority Form. This service is free and you should return this authority to Tasha Banks, Payroll Manager at White Retail Group, PO Box 2091 Fortitude Valley BC QLD 4006.

6 July 2013 Page 6 Importance of Advice Investing your super wisely is crucial to your financial future, that s why you should consider speaking to a financial adviser. How to contribute tax effectively to your super, how to make an informed investment decision and how to make sure you ve got sufficient insurance cover are all important issues to consider. Verum Financial Partners have been appointed as advisers to the fund and we encourage you to contact them for assistance. In Summary Once you become a member of the fund you keep the benefits and the discounted fees for life, so you can take your super account wherever you go. As a result of our growing business, we have secured these group savings and special benefits for all members of our team and we are pleased to offer you membership of our corporate superannuation plan. Benefits that would otherwise not be accessible to you as an individual member. If you have any questions or would like further information, please contact either Mike Capiron of Verum Financial Partners or Colonial First State. Welcome to Terry White Chemists! Important Information The information contained in this document describes features of the Terry White Chemists superannuation plan within FirstChoice Employer Super. It is general information only and does not take into account your individual personal financial situation or needs. You should consider this information together with the Product Disclosure Statement (PDS). A copy of the PDS can be obtained by contacting Colonial First State. You should assess whether the information is appropriate for you and consider seeking financial advice. Contact Information Colonial First State Verum Financial Partners Name Member Services Name Mike Capiron Phone Phone Website

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