North investment options

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1 North investment options North offers a range of investment options featuring: Contents Discounted investment options 2 Guaranteed investment options Managed investment options open Managed investment options In specie transfers Listed securities 9 Fixed interest securities 22 Term deposits 22 Current disclosure documents 22 North Standard Measure 22 Important information 2 This document outlines the investment options available through the North Super and Pension Product Disclosure Statement (PDS) and the North Investor Directed Portfolio Service (IDPS) Guide. over 0 managed funds listed securities on the Australian Securities Exchange (ASX) exchange traded funds (ETFs) and exchange traded commodities (ETCs) listed investment companies (LICs) and listed investment trusts (LITs) Australian real estate investment trusts (AREITs), and term deposits. options will be added to and removed from this document from time to time. We recommend you consult your financial adviser before determining the specific investment options you would like to include in your investment strategy. For more information on fees and costs please refer to the North Super and Pension PDS Part A or the North IDPS Guide. Guarantees on the repayment of capital are subject to the conditions of the selected Guarantee. If you have selected a Guarantee, this document should be considered in conjunction with the North Super and Pension Guarantee change to PDS Part B. All investment instructions must be submitted electronically through North Online, northonline.com.au. October 20 Registered trademark of the National Mutual Life Association of Australasia ABN AFS Licence No. 29

2 Discounted investment options Managed investment options AMP Capital Cash Management Trust (W) AMP Capital Corporate Bond Fund AMP Capital Dynamic Markets Fund AMP Capital Equity Income Generator AMP Capital Income Generator (was North Select Income Generator) AMP Capital Multi Asset Fund AMP Capital Premium Growth Fund AMP Capital Specialist Australian Share Fund AMP Capital Specialist Australian Small Companies Fund AMP Capital Specialist Diversified Fixed Income Fund AMP Capital Specialist Geared Australian Share Fund AMP Capital Specialist International (Hedged) Share Fund AMP Capital Specialist International Share Fund AMP Capital Specialist Property and Infrastructure Fund AMP Experts Choice Conservative Fund AMP Experts Choice Balanced Fund AMP Experts Choice Growth Fund AMP Experts Choice Diversified Interest Income Fund AMP Experts Choice Property and Infrastructure Fund AMP Experts Choice Short Term Money Market Fund ipac Life Choices Active 0 ipac Life Choices Active 0 ipac Life Choices Active 8 ipac Life Choices Active 00 ipac Life Choices Index 0 ipac Life Choices Index 0 ipac Life Choices Index 8 ipac Life Choices Alternative Balanced ipac Life Choices Income Generator ipac Life Choices Premium Growth North Active Defensive North Active Moderately Defensive North Active Balanced North Active Growth North Active Growth North Index Defensive North Index Moderately Defensive North Index Balanced North Index Growth North Index Growth North Professional Conservative North Professional Moderately Conservative (was Select Active Moderately Defensive) North Professional Balanced (was Select Active Balanced) North Professional Alternative Balanced (was Select Alternative Balanced) North Professional Growth (was Select Active Growth) North Professional Growth (was Select Active Growth) Term deposits AMP ANZ Adelaide Bank Westpac North Cash Account 2

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

4 Managed investment options open Multisector Page Australian Equities Page 9 Cautious Conservative Moderately Conservative Balanced Moderately Aggressive Aggressive Specialist Income Mid/Small/Micro Cap Large Cap Specialist Global Equities Page 2 Cash Page Income Mid/Small/Micro Cap Cash and Deposits Short Term Fixed Interest Large Cap Large Cap (Currency Hedged) Regional Specialist Fixed Interest Page Infrastructure Page Australian Fixed Interest Diversified Fixed Interest Global Fixed Interest Annuities Diversified Global Specialist Alternatives Page Credit Page 8 Property Page 8 Australian Property Diversified Property Global Property

5 Multisector Cautious IPA00AU AMP Capital Income Generator (iii) /0.22 to IPA08AU ipac Life Choices Income Generator (i) /0.22 to IPA00AU North Active Moderately Defensive /0. to SBC08AU UBS Defensive Fund /0. Conservative CRS000AU Aberdeen Multi Asset Income fund /0.20 HLR000AU AMP Experts Choice Conservative Fund /0. to BAR08AU BlackRock Scientific Diversified Stable Fund /0. to NMM0AU North Index Defensive (ii) 0. 0./0.0 to IPA008AU North Active Defensive /0.2 to IPA0AU North Professional Conservative (i) 0. 0./0. to VAN009AU Vanguard Conservative Index Fund 0. 0./0.2 to Moderately Conservative IPA0AU ipac Life Choices Active 0 (i) /0.2 IPA00AU ipac Life Choices Index /0.2 to IPA09AU North Guardian Moderately Defensive (iv) /0.0 to NMM02AU North Index Moderately Defensive (ii) /0.8 to IPA0080AU North Professional Moderately Conservative (was Select Active Moderately Defensive) (i) /0.2 to Balanced BAR08AU BlackRock Scientific Diversified Growth Fund /0.2 to PWA0822AU BlackRock Wholesale Balanced Fund /0.8 to FSF0008AU Colonial First State Wholesale Diversified Fund 0.9 IPA0AU ipac Life Choices Active 0 (i) /0.2 to IPA0AU ipac Life Choices Alternative Balanced (i).0 0.2/0.2 to IPA09AU ipac Life Choices Index /0.2 IPA00AU North Active Balanced /0.2 IPA0AU North Guardian Balanced (iv) /0.0 NMM0AU North Index Balanced (ii) 0. 0./0.2 IPA00AU North Professional Alternative Balanced (was Select Alternative Balanced) (i).0 0.2/0.2 to IPA00AU North Professional Balanced (was Select Active Balanced) (i) /0.2 PER00AU Perpetual Wholesale Balanced Growth Fund.0 0./ SCH002AU Schroder Balanced Fund Wholesale Class 0.22/0.22 to SBC08AU UBS Balanced Fund 0.9 to VAN008AU Vanguard Balanced Index Fund 0. 0./0. to Refer to the notes on page.

6 Multisector (continued) Moderately Aggressive HLR000AU AMP Experts Choice Balanced Fund /0.2 HLR000AU AMP Experts Choice Growth Fund 0.29/0.29 DFA0029AU Dimensional Multi-Factor Growth Trust (v) /0.0 IPA0AU ipac Life Choices Index /0.2 IPA0AU ipac Life Choices Active 8 (i) /0.28 IPA009AU North Active Growth /0.2 IPA08AU North Guardian Growth (iv) /0.0 NMM0AU North Index Growth (ii) 0. 0./0.2 IPA008AU North Professional Growth (was Select Active Growth) (i) /0.2 VAN00AU Vanguard Growth Index Fund 0. 0./0. Aggressive IPA08AU AMP Capital Premium Growth Fund (i).9 0.9/0.9 IPA0AU ipac Life Choices Active 00 (i).0 0.2/0.2 IPA02AU ipac Life Choices Premium Growth.9 0.9/0.8 NMM0AU North Index Growth (ii) 0. 0./0.2 IPA000AU North Active Growth /0.2 IPA009AU North Professional Growth (was Select Active Growth) (i).0 0.2/0.2 VAN0AU Vanguard Growth Index Fund 0. 0./0. Very Specialist CRS0002AU Aberdeen Multi Asset Real Return Fund 0.8 to AMP92AU AMP Capital Dynamic Markets Fund (i) /0. to AMP8AU AMP Capital Multi Asset Fund (i) 0.0/0. MAL008AU BlackRock Global Allocation Australian Fund (i) 0.20 MAL0029AU BlackRock Global Allocation Fund 0.0 SCH009AU Schroder Real Return CPI +.% Fund Wholesale Class /0.8 2 SCH00AU Schroder Real Return CPI +% Fund Wholesale Class Cash Cash and Deposits NML008AU AMP Capital Cash Management Trust (W) 0. SBC08AU UBS Cash Fund 0.2 Short Term Fixed Interest HLR000AU AMP Experts Choice Short Term Money Market Fund 0.0 DDH0009AU DDH Cash Fund 0.22 DFA000AU Dimensional Short Term Fixed Interest (v) 0.9 MAQ020AU Macquarie Australian Diversified Income Fund /0. VAN002AU Vanguard Cash Plus Fund 0.29 Refer to the notes on page.

7 Fixed Interest Australian Fixed Interest CRS000AU Aberdeen Australian Fixed Income Fund 0. /0.0 CSA00AU Aberdeen Income Focused Bond Fund 0.2 /0.0 CRS0008AU Aberdeen Inflation Linked Bond Fund /0. AMP098AU AMP Capital Wholesale Australian Bond Fund /0.0 to BGL00AU BlackRock Indexed Australian Bond Fund /0.08 to RFA08AU BT Fixed Interest (W) / to WFS0AU BT Wholesale Enhanced Cash Fund /0.0 to TYN00AU Nikko AM Australian Bond Fund /0.0 IOF00AU Perennial Cash Enhanced Wholesale Trust 0. to IOF0AU Perennial Tactical Income Trust 0. ETL00AU PIMCO EQT Wholesale Australian Bond Fund 0.0 /0.0 2 ETL082AU PIMCO EQT Wholesale Australian Focus Fund 0.0 /0.0 2 SBC08AU UBS Australian Bond Fund /0.0 to VAN000AU Vanguard Australian Fixed Interest Index Fund (W) /0.2 2 VAN002AU Vanguard Australian Government Bond Index Fund /0.0 to Diversified Fixed Interest HLR000AU AMP Experts Choice Diversified Interest Income Fund 0. 0./0. to BTA08AU BT Wholesale Monthly Income Plus Fund 0. 0./ to JBW008AU Goldman Sachs Core Plus Australian Fixed Income Fund 0.9 to HOW002AU Kapstream Absolute Return Income Fund (W) 0.0 to MAQ02AU Macquarie Diversified Fixed Interest Fund (i) / ETL00AU PIMCO EQT Diversified Fixed Interest Fund 0.0 /0.0 to SCH0028AU Schroder Fixed Income Fund Wholesale Class /0.2 to SBC000AU UBS Diversified Fixed Income Fund /0. 2 Global Fixed Interest ADV00AU Advance International Fixed Interest Multi Blend Fund /0.0 AMP0AU AMP Capital Future Directions International Bond Fund (i) 0.98 AMP992AU AMP Capital Specialist Diversified Fixed Income Fund /0.2 BGL0008AU BlackRock Global Bond Index Fund 0.20 DFA008AU Dimensional Five-Year Diversified Fixed Interest Trust (v) 0.28 /0.0 2 DFA0028AU Dimensional Global Bond Trust (v) 0. /0.0 to DFA0002AU Dimensional Two-Year Diversified Fixed Interest Trust (v) 0.2 /0.0 ETL008AU PIMCO EQT Global Bond Fund (W) 0.9 /0.0 ETL0020AU PIMCO EQT Wholesale Global Real Return Fund 0. /0.20 VAN00AU Vanguard International Fixed Interest Index Fund (Hedged) (W) /0.0 Refer to the notes on page.

8 Fixed Interest (continued) Annuities MLT0002AU Challenger Guaranteed Income Fund (.0 cents pa 0 June 20) MLT000AU Challenger Guaranteed Income Fund (. cents pa 0 September 20) MLT000AU Challenger Guaranteed Income Fund (.8 cents pa 0 September 208) MLT000AU Challenger Guaranteed Income Fund (. cents pa March 2020) MLT000AU Challenger Guaranteed Income Fund (.0 cents pa 0 Sept 20) HOW009AU Challenger Guaranteed Income Fund (.0 cents pa 0 Jun 20) HOW00AU Challenger Guaranteed Income Fund (.0 cents pa 0 Jun 20) (vi) Specialist ACM000AU AllianceBernstein Dynamic Global Fixed Income Fund /0. to FRT00AU Franklin Templeton Multisector Bond Fund (W) 0.9 to JBW009AU Goldman Sachs Global Strategic Bond Fund 0.80 to PER02AU JPMorgan Global Strategic Bond Fund /0. to SSB00AU Legg Mason Brandywine Global Opportunistic Fixed Income Fund (Class A) /0.09 to PTN0002AU Putnam Worldwide Income Fund /0.0 to Credit AMP0AU AMP Capital Corporate Bond Fund 0.2 CSA008AU Bentham Global Income Fund (W) /0.0 to CSA00AU Bentham Syndicated Loan Fund (W) /0.0 to MAL002AU BlackRock Monthly Income Fund Class D (W) 0. /0.20 FSF008AU Colonial First State Global Credit Income Fund (W) /0.2 to MAQ02AU Macquarie Income Opportunities Fund /0. PER020AU Perpetual Diversified Income Fund (W) /0.0 to ETL009AU PIMCO EQT Wholesale Global Credit Fund 0. /0.20 PMC00AU PM Capital Enhanced Yield Fund (i) /0.0 to PGI000AU Principal Global Credit Opportunities Fund /0. to SCH00AU Schroder Credit Securities Fund Wholesale Class 0. UBS000AU UBS Diversified Credit Fund /0.2 to VAN00AU Vanguard International Credit Securities Indexed Hedged Fund /0.2 Property Australian Property NML000AU AMP Capital Wholesale Australian Property Fund (viii) 0.8 to NFS0209AU Antares Listed Property Fund /0. APN0008AU APN A-REIT Fund /0.2 AUS00AU Australian Unity Healthcare Property Trust Class A Units. 2.0/0.0 BGL008AU BlackRock Indexed Australian Listed Property Fund /0.2 Refer to the notes on page. 8

9 Property (continued) Australian Property (continued) RFA08AU BT Wholesale Property Fund / MAQ08AU Charter Hall Direct Industrial Fund (i) 0.0 CRM008AU Cromwell Direct Property Fund (i) 0.80 to PAL0002AU Ironbark Paladin Property Securities Fund /0.2 SSB002AU Legg Mason Australian Real Income Fund 0. SSB028AU Legg Mason Property Securities Trust Class A 0. HBC0008AU SG Hiscock Property Securities Fund (W) 0.8 CRS000AU SG Hiscock Wholesale Property Fund 0.8 SBC08AU UBS Property Securities Fund /0. VAN000AU Vanguard Australian Property Securities Index Fund (W) /0. Very ZUR00AU Zurich Australian Property Securities Fund 0.8 Very Diversified Property AMP0AU AMP Capital Core Property Fund Class A (viii).2 0./0. to AMP990AU AMP Capital Specialist Property and Infrastructure Fund. 0.2/0.2 HLR0022AU AMP Experts Choice Property and Infrastructure Fund /0.29 Global Property AMP09AU AMP Capital Global Property Securities Fund.00 0./0. DFA000AU Dimensional Global Real Estate Trust (v) /0.0 ETL000AU EQT SGH LaSalle Global Listed Property Securities Trust.0 0.2/0.2 GTU00AU Invesco Wholesale Global Property Securities Fund (Hedged) /0. Very MGL000AU Ironbark Global (Ex-Australia) Property Securities Fund. IOF008AU Resolution Capital Global Property Securities Fund (Hedged) Series II.0 IOF08AU Resolution Capital Global Property Securities (Unhedged) Series II.0 HML00AU UBS Clarion Global Property Securities Fund VAN008AU Vanguard International Property Securities Index Fund 0.0 Very VAN009AU Vanguard International Property Securities Index Fund (Hedged) /0.2 Very Australian Equities Income AMP90AU AMP Capital Equity Income Generator PPL0002AU Antares Dividend Builder /0. ETL08AU Armytage Australian Equity Income Fund /0.2 BTA028AU BT Balanced Equity Income Fund.9 0.2/0.2 RFA00AU BT Imputation Fund (W) 0.0/0 FSF09AU Colonial First State Equity Income Fund (W).2 IML000AU Investors Mutual Equity Income Fund 0.2/0.2 ADV00AU Maple-Brown Abbott Australian Share Fund (W) /0.2 Refer to the notes on page. 9

10 Australian Equities (continued) Income (continued) HBC00AU Merlon Australian Share Income Fund (W) 0.9 to IOF008AU Perennial Value Shares for Income Trust 0.92 WHT009AU Plato Australian Shares Income Fund to WHT00AU Plato Australian Shares Income Fund (Managed ) TYN008AU Nikko AM-Tyndall Australian Share Income Fund 0.9 VAN00AU Vanguard Australian Shares Yield Fund /0.0 Very ZUR08AU Zurich Equity Income Fund.8 0./0. Very Mid/Small/Micro Cap CSA0AU Aberdeen Australian Small Companies Fund.2 0.2/0.2 AUS008AU Acorn Capital Microcap Fund. Very AMP09AU AMP Capital Specialist Australian Small Companies Fund (i). 0./0. HLR002AU AMP Experts Choice Small Companies Fund. 0.2/0.2 PPL00AU Antares Small Companies (i) /0. AAP00AU Ausbil Australian Emerging Leaders Fund (i) 0.0 AAP000AU Ausbil Microcap Fund (i) - Closed to new investments effective 0/0/20.20 AUG008AU Australian Ethical Smaller Companies Fund /0.0 BFL000AU Bennelong ex-20 Australian Equities Fund (i).00 RFA089AU BT Wholesale Small Companies Fund.2 0.0/ DFA00AU Dimensional Australian Small Company Trust (v) /0.0 Very EGG000AU Eley Griffiths Small Companies Fund (i).2 0.2/0.2 ANT0002AU Fairview Equity Partners Emerging Companies Fund (i).20 FID002AU Fidelity Future Leaders Fund /0.2 BNT00AU Hyperion Small Companies Growth Fund (i).2 to IML000AU Investors Mutual Future Leaders Fund (W) (i) 0.2/0.2 to IML000AU Investors Mutual Australian Small Companies 0.2/0.2 to PAT0002AU Ironbark Karara Australian Small Companies Fund (i) /0.2 HOW00AU Kinetic Emerging Companies Fund (W) (i). Very HOW002AU NovaPort Wholesale Microcap Fund (i).0 Very HOW00AU NovaPort Wholesale Smaller Companies Fund (i) Very OPS0002AU OC Funds Management Premium Small Companies Fund (i).20 PER008AU Perpetual Wholesale Smaller Companies Fund (i).2 0./0. Very ETL002AU SG Hiscock ICE Fund (i).8 0./0. UBS000AU UBS Australian Small Companies (i) /0. ZUR08AU Zurich Small Companies Fund (i) Very Refer to the notes on page. 0

11 Australian Equities (continued) Large Cap CRS000AU Aberdeen Ex-20 Australian Equities Fund /0.2 ETL000AU Allan Gray Australia Equity Fund (i) 0. Very PAM000AU Alphinity Australian Share (W) AMP820AU AMP Capital Australian Equity Concentrated Fund - Closed to new investments effective /0/20. NML00AU AMP Capital Australian Equity Value Fund (W) 0. AMP08AU AMP Capital Specialist Australian Share Fund /0.2 HLR0002AU AMP Experts Choice Australian Shares Fund 0.29/0.29 PPL0AU Antares Elite Opportunities Fund (i) /0. PPL00AU Antares Growth Shares Fund (i).0 0./0. ARO00AU Arnhem Australian Equity Fund 0.8 AAP00AU Ausbil Australian Active Equity Fund BFL000AU Bennelong Australian Equities 0.9 BGL00AU BlackRock Indexed Australian Equity Fund /0.2 BAR08AU BlackRock Scientific Australian Equity Fund 0.9 BTA00AU BT Australian Share Fund (W) (i) / RFA088AU BT Core Australian Share Fund (W) / RFA009AU BT Focus Australian Share Fund /0.2 CFM00AU Colonial First State Australian Share Fund Core (W) 0.9 FSF0AU Colonial First State Antares Wholesale Elite Opportunities (i).0 0.2/0.2 PIM0028AU Dalton Nicol Reid Australian Equities Conviction Fund 0.2/0.2 DFA000AU Dimensional Australian Core Equity Trust (v) /0.0 DFA00AU Dimensional Australian Large Company Trust (v) /0.0 DFA00AU Dimensional Australian Value Trust (v) /0.0 FID0008AU Fidelity Australian Equities Fund /0.2 JBW0009AU Goldman Sachs Australian Equities Wholesale Fund 0.9 HOW00AU Greencape Wholesale Broadcap Fund (i) 0.9 HOW00AU Greencape Wholesale Conviction BNT000AU Hyperion Australian Growth Companies Fund 0.9 to ITG000AU Integrity Australian Share Fund IML0002AU Investors Mutual Australian Share Fund (W) 0.2/0.2 to IML000AU Investors Mutual Concentrated Australian Share Fund (i) 0.2/0.2 to PAT000AU Ironbark Karara Australian Share Fund 0.2/0.2 TYN0028AU Nikko AM-Tyndall Australian Share Fund (W) 0.80 TYN000AU Nikko AM-Tyndall Australian Share Concentrated Fund.00 IOF020AU Perennial Value Shares Trust (W) 0.92 to Refer to the notes on page.

12 Australian Equities (continued) Large Cap (continued) PER009AU Perpetual Australian Share Fund (W) 0.0/ Very PER002AU Perpetual Concentrated Equity Fund (W).0 0./0. Very FSF09AU Realindex Australian Share Fund Class A /0.0 SCH00AU Schroder Australian Equity Fund (W) /0.2 ETL002AU SG Hiscock SGH20 Fund.2 0.2/0.2 WHT002AU Solaris Core Australian Equity Fund SOL000AU Solaris Core Australian Equity Fund (Performance Alignment) (i) 0. WHT00AU Solaris Core Australian Equity Fund (Performance Fee Option) SBC08AU UBS Australian Share Fund 0.2/0.2 UBS002AU UBS HALO Australian Share Fund 0.2/0.2 VAN0002AU Vanguard Australian Shares Index Fund (W) /0.0 Very Specialist AMP8AU AMP Capital Australian Equity Opportunities Fund Class A - Closed to new investments effective /0/20 AMP099AU AMP Capital Specialist Geared Australian Share Fund (vii). 0.0/0.0 Very AAP0002AU Ausbil Australian Geared Equity (vii).20(g)/ 2.(n) Very BFL000AU Bennelong Kardinia Absolute Return Fund. MAL002AU BlackRock Australian Equity Opportunities Fund (i) /0.0 RFA002AU BT Ethical Share Fund (W) / RFA00AU BT Geared Imputation Fund (W) (vii). 0.80/ Very CRE000AU Clime Australian Value Fund (W) (i) /0.2 FSF089AU Colonial First State Acadian Aust Equity Long Short (W).2 FSF00AU Colonial First State Geared Share Fund (W) (i)(vii).0(g)/ 2.(n) 0.0/0.0 Very IML000AU Investors Mutual Industrial Fund (W) 0.2/0.2 to KAM00AU K2 Australian Absolute Return Fund (i). 0.0/0.0 to FHT000AU Montgomery The Montgomery Fund (i).9 0.2/0.2 MMF9AU OnePath Protected AUS 0 Trust (W).0 0.0/0.0 PCL000AU Pengana Australian Equities Fund (i).2 0.2/0.2 IOF0228AU Perennial Value Wealth Defender Australian Shares Trust (i) 0.98 PER0AU Perpetual Ethical SRI Fund (W).8 0./0. Very PER00AU Perpetual Geared Australian Share Fund (W) (vii).(g)/ 2.(n) 0.8/0.8 Very PER00AU Perpetual Industrial Share Fund (W) 0.0/ Very PER002AU Perpetual Wholesale Share Plus Long Short Fund (i) Refer to the notes on page. 2

13 Global Equities Income MAQ00AU IFP Global Franchise Fund /0. MGL000AU Ironbark GTP Global Equity Thematic Fund /0.2 MGE000AU Magellan Global Fund (i). 0.0/0.0 PER000AU Perpetual International Share Fund (W).2 0.0/ FSF09AU Realindex Global Share Fund Class A /0. SCH000AU Schroder Global Value Fund /0. SCH000AU Schroder Global Core Fund /0.0 ETL00AU T. Rowe Price Global Equity Fund.20 0./0.20 Very FRT000AU Templeton Global Equity Fund. Very HFL002AU Threadneedle Global Equity Income Fund (unhedged). 0.2/0.2 VAN000AU Vanguard International Shares Index Fund /0.0 Very MAQ00AU Walter Scott Global Equity Fund /0. ZUR080AU Zurich Global Growth Share Fund /0.08 ZUR00AU Zurich s Global Thematic Share Fund /0.08 Very Mid/Small/Micro Cap MAL0AU BlackRock Global Small Caps Fund.2 0.0/0.0 DFA00AU Dimensional Global Small Company Trust (v) 0. 0./0. Very JBW00AU Goldman Sachs Global Small Companies Fund (W). HOW0002AU Hunter Hall Value Growth Trust.8 0.2/0.2 HHA0002AU Hunter Hall Global Equities Trust (i) /0.2 LAZ002AU Lazard Global Small Cap Fund W Class.2 0.0/0.0 Large Cap EQI00AU Aberdeen International Equity Fund /0.2 AMP082AU AMP Capital Specialist International Share Fund.09 NML08AU AMP Capital Global Equity Value Fund (W) 0.98 AMP0AU AMP Capital Responsible Leaders International Share Fund. 0./0. HLR000AU AMP Experts Choice International Shares Fund. 0.28/0.28 MAQ0AU Arrowstreet Global Equity Fund.28 0./0. to BGL00AU BlackRock Indexed International Equity Fund /0.0 BAR08AU BlackRock Scientific International Equity Fund /0. MIA000AU BNP Paribas MFS Global Equity Trust 0. 0./0. RFA082AU BT Core Global Share Fund (W) / FSF0908AU Colonial First State Generation Wholesale Global Share Fund (i).2 DFA000AU Dimensional Global Core Equity Trust (v) /0.0 DFA00AU Dimensional Global Large Company Trust (v) /0.0 Refer to the notes on page.

14 Global Equities (continued) Large Cap (continued) DFA002AU Dimensional Global Value Trust (v) /0.0 FID000AU Fidelity Global Equities Fund. Very HOW002AU Five Oceans Wholesale World Fund (i).2 0.0/0.0 FRT0009AU Franklin Global Growth Fund. Very GMO00AU GMO Global Equity Trust /0.2 GSF0002AU Grant Samuel Epoch Global Shareholder Yield Fund (Unhedged).2 to Large Cap (Currency Hedged) CRS000AU Aberdeen Actively Hedged International Equities Fund /0.2 CSA0AU Aberdeen Fully Hedged International Equities Fund 0.2/0.2 AMP082AU AMP Capital Specialist International (Hedged) Share Fund (i).09 MAQ009AU Arrowstreet Global Equity Fund (Hedged) /0.29 Very DFA0009AU Dimensional Global Core Equity Trust (Hedged) (v) /0. GSF000AU Grant Samuel Epoch Global Shareholder Yield Fund (Hedged).0 to MAQ0AU IFP Global Franchise Fund (Hedged).8 0./0.2 MGL008AU Ironbark GTP Global Equity Thematic (Fully Hedged).0 MGE000AU Magellan Global Fund (Hedged) (i). 0.0/0.0 ETL00AU MFS Fully Hedged Global Equity Trust /0. FSF09AU Realindex Global Share Hedged Fund Class A /0. VAN00AU Vanguard International Shares Index Fund (Hedged) /0. Very MAQ0AU Walter Scott Global Equity Fund (Hedged) /0. ZUR0AU Zurich s Hedged Global Thematic Share Fund /0.08 Very Regional EQI0028AU Aberdeen Asian Opportunities Fund.8 0./0. Very ETL002AU Aberdeen Emerging Opportunities Fund.0 0./0. Very BTA00AU BT Wholesale Asian Share Fund / DFA00AU Dimensional Emerging Markets Trust (v) /0.2 FID00AU Fidelity India Fund /0.0 Very FID000AU Fidelity Asia Fund. 0.0/0.0 Very LAZ000AU Lazard Emerging Markets Fund. 0.0/0.0 Very MAQ00AU Macquarie Asia New Stars No. Fund (i) /0.0 Very MAQ0AU Macquarie Premium China Fund (i) /0.2 PLA000AU Platinum Asia Fund. 0.2/0.2 PLA000AU Platinum European Fund. 0.2/0.2 to PLA000AU Platinum Japan Fund. 0.2/0.2 ETL08AU Robeco Emerging Conservative Equity Fund 0.0/0. SCH00AU Schroder Global Emerging Markets.0 0.0/0.0 Refer to the notes on page.

15 Global Equities (continued) Regional (continued) ETL00AU T. Rowe Price Asia ex-japan Fund.0 0./0.0 Very VAN000AU Vanguard Emerging Markets Shares Index Fund 0. 0./0. Very MAQ0AU Walter Scott Emerging Markets Fund.8 0.2/0.20 Specialist FSF089AU Colonial First State Acadian Geared Global Equity (W) (vii).2(g)/ 2.(n) 0.0/0.0 Very FSF008AU Colonial First State Global Resources Fund (W). 0.2/0.2 Very MGL009AU Ironbark GTP Global Equity Agribusiness Fund. PCL000AU Pengana Global Resources Fund (i). PLA000AU Platinum International Brands Fund. 0.2/0.2 PLA0002AU Platinum International Fund. 0.2/0.2 to PLA000AU Platinum Unhedged Fund. 0.2/0.2 PMC000AU PM Capital Global Companies Fund(i) /0.2 Very Infrastructure Diversified AMP9AU AMP Capital Core Infrastructure Fund (i).20 0./0. Global AMP9AU AMP Capital Global Infrastructure Securities Fund (Hedged) (i) 0.8 AMP9AU AMP Capital Global Infrastructure Securities Fund (Unhedged) (i) 0.8 Very LAZ00AU Lazard Global Listed Infrastructure Fund 0.98 MAQ02AU Macquarie International Infrastructure Securities Fund.0 0.2/0.2 MAQ082AU Macquarie International Infrastructure Securities Fund (Unhedged).0 0.2/0.2 MGE0002AU Magellan Infrastructure Fund (i).0 0./0. MGE000AU Magellan Infrastructure Fund (Unhedged) (i).0 0./0. TGP0008AU RARE Infrastructure Value Fund (Hedged) (i).0 0.2/0.20 TGP00AU RARE Infrastructure Value Fund (Unhedged) (i) /0.20 VAN002AU Vanguard Global Infrastructure Index Fund 0.9 Very VAN002AU Vanguard Global Infrastructure Index Fund (Hedged) /0.2 Very Alternatives MAN0002AU AHL Alpha Fund (i) 2.9 to FSF08AU Aspect Diversified Futures Fund Class A (i).2 to AFM000AU Aurora Fortitude Absolute Return Fund (i). 0.02/ MAL009AU BlackRock Australian Equity Absolute Return Fund (i) /0.0 BLK000AU BlackRock Multi Opportunity Absolute Return Fund (i).0 0.0/0.0 to BGL00AU BlackRock Scientific Global Markets Fund (i).0 0.2/0.2 GTU009AU Invesco Wholesale Global Targeted Returns Fund Class A 0.9 to Refer to the notes on page.

16 Alternatives (continued) DEU009AU Ironbark Global Diversified Alternatives Fund (i).0 HFL00AU Ironbark LHP Diversified s Fund.0 to HFL008AU Ironbark LHP Global Long/Short Fund.2 MAQ082AU Macquarie Winton Global Alpha Fund (i) /0.0 to ETL02AU Partners Group Global Value Fund (i)(viii). PCL000AU Pengana Absolute Return Asia Pacific Fund (viii).0 to Notes: (i) cost is exclusive of any performance fee, however this investment option may charge a performance fee. Please refer to the fund s PDS for information about how the performance fee is calculated. (ii) The registered name of each of these funds is different to that shown in this document. For more information, please refer to the fund s PDS. (iii) This investment option will distribute income monthly in cash. The investment option may also pay any realised capital gains and any other distributable. (iv) Investors who have selected a Guarantee may select these funds. (v) Available through Dimensional approved advisers only. Advisers can contact Dimensional on (vi) This investment option has an early withdrawal fee. Refer to the investment option s underlying PDS, available from North Online, for further information. (vii) The investment cost is based on the gross (g) and net (n) assets of the fund. The gross investment cost calculation includes borrowings. (viii) This asset is defined as an illiquid investment under superannuation law. This means it is unlikely that it can be redeemed and proceeds returned to the member/investor within 0 days and may take up to 20 days. For an explanation of illiquid investments please refer to Liquidity risk in the North Super and Pension PDS Part A or the North IDPS Guide. Managed investment options In specie transfers In specie transfers allow you to transfer assets held outside of North into your North account. The transfer of asset holdings into North is subject to agreement by the previous fund. You are permitted to transfer any existing holding of these assets, but are not entitled to purchase additional units in these assets. For more information on in specie transfers, please refer to your financial adviser. APIR code Multisector Conservative ADV009AU Advance Defensive Multi Blend Fund /0.0 to BTA080AU BT Wholesale Conservative Outlook Fund / to RIM0002AU Russell Conservative Fund /0. RIM002AU Russell II Portfolio 0. 0./0. to RIM002AU Russell II Portfolio Class B Units /0. to Balanced ADV000AU Advance Balanced Multi Blend Fund 0.8 RFA08AU BT Wholesale Active Balanced Fund / to FSFAU Colonial First State FirstChoice Multi-Index Balanced Fund Class A 0. 0./0. to MPL000AU Maple-Brown Abbott Diversified Trust /0.8 to MMF0AU Onepath Wholesale Managed Growth Trust (i). 0.0/0.0 to RIM000AU Russell Balanced Fund /0.9 to RIM000AU Russell Div 0 Fund Class A Units /0.8 RIM002AU Russell IV Portfolio /0.9 Refer to the notes on page 9.

17 Multisector (continued) Moderately Aggressive ADV008AU Advance Growth Multi Balanced Fund.0 to RIM000AU Russell Growth Fund /0.2 to RIM002AU Russell V Portfolio 0.22/0.2 RIM002AU Russell IV Portfolio Class B Units /0.9 RIM0028AU Russell V Portfolio Class B Units /0.2 to RIM00AU Russell Growth Fund /0.2 to Cash Short Term Fixed Interest SBC082AU UBS Cash Plus Fund /0.0 Credit Mortgages AMP08AU AMP Capital Wholesale Enhanced Yield Fund (viii) 0.8 NML000AU AMP Capital Australian Income Fund.8 NML02AU AMP Capital Wholesale Australian Income Fund. NML0AU AMP Capital Wholesale Australian Monthly Income Fund (viii) 0. to AUS000AU Australian Unity Yield Mortgage Trust. AUS0AU Australian Unity Wholesale Mortgage Income Trust 0.88 JFF0002AU Balmain AQUA Income Trust.2 MMF000AU OnePath Mortgage Trust No 2.8 to HML0002AU OnePath Monthly Income Trust (viii). to PER0002AU Perpetual Monthly Income Fund (viii).0 PER00AU Perpetual Wholesale Monthly Income Fund (viii) 0.9 Fixed Interest Australian Fixed Interest CRS000AU Aberdeen Australian Fixed Interest Fund 0. /0.0 FSF09AU Colonial Income Fund 0.0 MAQ00AU Macquarie Master Fixed Interest Fund /0. MAQ02AU Macquarie True Index Australian Fixed Interest 0.0/0.08 Global Fixed Interest PWA082AU BlackRock International Bond Fund 0. 0/0.2 SBC089AU UBS International Bond Fund /0.0 Property Australian Property APN00AU APN Unlisted Property Fund.0 to WFS00AU Australian Unity Diversified Property Fund. 0.0/0.0 2 CHF000AU Charter Hall Diversified Property Fund 0.8 to CHF0002AU Charter Hall Umbrella Fund (viii) 0. to MAQ08AU Charter Hall Direct Property Fund 0. /2.0 Refer to the notes on page 9.

18 Property (continued) Australian Property (continued) FSF000AU Colonial Property Securities Fund 0.82 PFA000AU PFA Diversified Property Trust to Diversified Property APN000AU APN Property for Income Fund (viii) /0.2 to APN000AU APN Property for Income Fund No.2 (viii) /0.2 to APN000AU APN Diversified Property Fund (viii).0 0.0/0.0 to Australian Equities Income FSF000AU Colonial Wholesale Imputation Fund 0.9 Mid/Small/Micro Cap HHA000AU Hunter Hall Australian Value Trust.8 0.2/0.2 Very PER020AU Pengana Emerging Companies Fund. Large Cap MGL0AU Aberdeen Australian Equities Fund /0.2 PWA082AU BlackRock Australian Share Fund /0.28 HOW009AU Challenger Alphinity Australian Equity Fund FSF009AU Lazard Select Australian Equity Fund (W).0 AJF080AU OnePath Wholesale Australian Share Trust 0./0. PER00AU Perpetual Industrial Share Fund.98 0./0. Very RIM0029AU Russell Australian Opportunities Fund (Class A).9 0./0. SCH0002AU Schroder Australian Equity Fund /0.2 Global Equities Large Cap NML08AU AMP Capital Global Equity Value Fund (W) 0.98 RIM0008AU Russell International Shares Fund (Class A) /0. Regional FID00AU Fidelity China Fund /0.0 Specialist FSF098AU Colonial Wholesale Global Resources Long Short Fund.22 0./0. Very MLC0AU MLC Platinum Global Fund.0 0.2/0.2 Infrastructure Global MAQ0AU Macquarie Global Infrastructure Trust II /0.2 Very Alternatives MAN0009CK Man s Series OM-IP (viii) to MAN00CK Man s OM-IP 220 Ltd Series (viii) MAN00CK Man s OM-IP 220 Ltd Series 8 (viii) to MAN002CK Man s OM-IP 220 Limited Series 0MD (viii) to Refer to the notes on page 9. 8

19 Alternatives (continued) MAN002CK Man s OM-IP Eclipse Limited (viii) to MAN002CK Man s Series 2 OM-IP Seven Limited (viii) MAN000CK Man s OM-IP Vision Ltd (viii) to MAN002CK Man s OM-IP Eclipse (viii) MAN00CK Man s OM-IP (viii) MAN00CK Man s OM-IP AHL Ltd (viii) 2.9 to MAN00CK Man s OM-IP 2AHL Ltd (viii) to MAN009CK Man s OM-IP Eclipse 200 (viii) to Notes: (i) cost is exclusive of any performance fee, however this investment option may charge a performance fee. Please refer to the fund s PDS for information about how the performance fee is calculated. (ii) The registered name of each of these funds is different to that shown in this document. For more information, please refer to the fund s PDS. (iii) This investment option will distribute income monthly in cash. The investment option may also pay any realised capital gains and any other distributable (iv) Investors who have selected a Guarantee may select these funds (v) Available through Dimensional approved advisers only. Advisers can contact Dimensional on (vi) This investment option has an early withdrawal fee. Refer to the investment option s underlying PDS, available from North Online, for further information (vii) The investment cost is based on the gross (g) and net (n) assets of the fund. The gross investment cost calculation includes borrowings. (viii) This asset is defined as an illiquid investment under superannuation law. This means it is unlikely that it can be redeemed and proceeds returned to the member/investor within 0 days and may take up to 20 days. For an explanation of illiquid investments please refer to Liquidity risk in the North Super and Pension PDS Part A or the North IDPS Guide. Listed securities You are able to invest in securities listed on the ASX. All listed investment companies and listed property trusts are available for investment. If you are an Investor of North you can invest in any direct equity or unit trusts listed on the ASX. If you are a member of North Personal Super and/or Personal Pension you will be restricted to the following direct securities at the time of purchase: shares listed in the S&P/ASX00 index all LICs, LITs and A-REITs listed on the S&P/ASX all ordinaries index. all hybrids (ie convertible notes and preference shares), where the issuer is listed in the S&P/ASX00 index ETFs and ETCs are limited and must satisfy the Trustee s approval criteria. Refer to pages and for a list of trustee approved ETFs and ETCs as at the date this document was issued. fixed interest securities (ie corporate bonds and floating rate notes) subject to satisfying the Trustee s approval criteria. Refer to page for a list of trustee approved fixed interest securities as at the date this document was issued. certain sub-classes of shares, initial public offerings (IPOs), share purchase plans (SPPs) and other securities in the S&P/ASX00 index that satisfy the Trustee s approval criteria. Securities listed in the S&P/ASX00 are subject to change, impacting the ability to invest in securities that no longer fall in the S&P/ASX00. When purchasing listed securities, additional costs (that are not costs imposed by North) will be incurred. These costs, which include brokerage fees, will be directly debited from your account. If using a third party broker, the cost per transaction varies between brokers and is subject to change. Please refer to the North Super and Pension PDS Part A or North IDPS Guide for further details. Listed securities are not currently available on accounts with a Guarantee. 9

20 Exchange Traded Products The following exchange traded products are available to North Super and Pension members. ASX code Name of ETF or ETC Issuer Australian Broad Based IOZ ishares MSCI Australia 200 ILC ishares S&P/ASX 20 ISO ishares S&P/ASX Small Ordinaries MVW Market Vectors Australian Equal Weight ETF Van Eck Global QOZ BetaShares FTSE RAFI Australia 200 ETF BetaShares Capital Ltd STW SPDR 200 Fund State Street Global Advisors SFY SPDR 0 Fund State Street Global Advisors SSO SPDR S&P/ASX Small Ordinaries Fund State Street Global Advisors VAS Vanguard Australian Shares Index Vanguard s Australia Ltd VSO Vanguard Small Companies Index Vanguard s Australia Ltd YMAX BetaShares Australian Top 20 Equity Yield Maximiser Fund BetaShares Capiral Ltd Australian Sector MVA Market Vectors Australian Property ETF Van Eck Global MVB Market Vectors Australian Banks ETF Van Eck Global SLF SPDR S&P/ASX 200 Listed Property Fund State Street Global Advisors OZF SPDR S&P/ASX 200 Financials ex A-REITS Fund State Street Global Advisors OZR SPDR S&P/ASX 200 Resources Fund State Street Global Advisors VAP Vanguard Australian Property Securities Index ETF Vanguard s Australia Ltd International IAA ishares Asia 0 ETF IBK ishares MSCI BRIC ETF ITW ishares MSCI Taiwan ETF IKO ishares MSCI South Korea Capped ETF IHK ishares MSCI Hong Kong ETF IHOO ishares Global 00 AUD Hedged IHVV ishares S&P 00 AUD Hedged IRU ishares Russell 2000 ETF IZZ ishares China Large-Cap ETF IJP ishares MSCI Japan ETF IEM ishares MSCI Emerging Markets ETF IOO ishares Global 00 ETF IVV ishares Core S&P 00 IJH ishares Core S&P MidCap 00 IJR ishares Core S&P SmallCap 00 IVE ishares MSCI EAFE ETF IEU ishares Europe ETF ISG ishares MSCI Singapore ETF UMAX BetaShares S&P 00 Yield Maximiser Fund (managed fund) BetaShares Capital Ltd VEU Vanguard All-World EX US Shares Index Vanguard s Australia Ltd VGS Vanguard MSCI Index International Shares Vanguard s Australia Ltd VGAD Vanguard MSCI Index International Shares (Hedged) Vanguard s Australia Ltd VTS Vanguard US Total Market Shares Index Vanguard s Australia Ltd 20

21 ASX code Name of ETF or ETC Issuer International (continued) WDIV S&P Global Dividend Fund State Street Global Advisors WEMG S&P Emerging Markets Fund State Street Global Advisors WXHG S&P World Ex Australian Hedged Fund State Street Global Advisors WXOZ S&P World Ex Australian Fund State Street Global Advisors International Sectors DJRE Dow Jones Global Real Estate Fund State Street Global Advisors IXI ishares Global Consumer Staples ETF IXJ ishares Global Healthcare ETF IXP ishares Global Telecom ETF Strategy Focused IHD ishares S&P/ASX Dividend Opportunities ETF QUAL Market Vectors MSCI World ex-australia Quality ETF Van Eck Global RDV Russell Dividend Australian Shares ETF Russell Management Limited RVL Russell Australia Value ETF Russell Management Limited SYI SPDR MSCI Australia Select Dividend Yield Fund State Street Global Advisors VHY Vanguard Australian Shares Yield ETF Vanguard s Australia Ltd Cash & Fixed Income Exposure AAA Betashare Australian Interest cash BetaShares Capital Ltd Very low BOND Australian Bond State Street Global Advisors to GOVT Australian Government Bond State Street Global Advisors to IAF ishares UBS Composite Bond ETF to IGB ishares UBS Treasury ETF ILB ishares UBS Government Inflation Index Fund RCB Russell Australian Select Corporate Bond Russell Management Limited RSM Russell Australian Semi-Government Bond ETF Russell Management Limited to VAF Vanguard Australian Fixed Interest Index Vanguard s Australia Ltd to VGB Vanguard Australian Government Bond Index ETF Vanguard s Australia Ltd Commodity Exposure ETPMAG ETFS Physical Silver ETFS Metal Securities Australia Ltd Very GOLD ETFS Physical Gold ETFS Metal Securities Australia Ltd Very OOO BetaShares Crude Oil Index ETF Currency Hedged (Synthetic) BetaShares Capital Ltd Very 2

22 Fixed interest securities The following assets are available to North Super and Pension members. You will be able to invest in other fixed interest securities that meet the Trustee s eligibility criteria, as notified by us to you. ASX code Issuer Floating rate notes AGKHA AMPHA ANZHA AQHHA BENHB CBAHA CNGHA CWNHA HBSHB MBLHB NABHA NABHB ORGHA TAHHB WBCHA WBCHB WOWHC AGL Energy Limited AMP Limited Term deposits Australia and New Zealand Banking Group APT Pipelines Limited Bendigo and Adelaide Bank Limited Commonwealth Bank of Australia Colonial Holding Company Limited Crown Resorts Limited Heritage Bank Limited Macquarie Group Limited National Australia Bank Limited National Australia Bank Limited Origin Energy Limited Tabcorp Holdings Limited Westpac Banking Corporation Westpac Banking Corporation Woolworths Limited You are able to invest in term deposits with a range of providers as listed below: Adelaide Bank AMP ANZ, and Westpac Please refer to northonline.com.au for the current list of terms and rates. Term deposits are not currently available on accounts with a Guarantee. Current disclosure documents After you become an investor, each time you make additional contributions to a managed investment option you may not have the most recent underlying fund manager PDS or have been notified about material changes or significant events relating to the investment options you have selected. You can access the most up-to-date PDS for the managed investment options you have selected by accessing the North website on northonline.com.au. Fund managers of the managed investment options may notify us from time to time of material changes or significant events that affect an investment option you have selected. We will notify you of these changes as soon as practical through North Online. We will not be responsible for any delays in notifying you of these changes or events where the delay has been caused by a fund manager. If you wish, you may select a different investment option after you have read the up-to-date information; however, regular fees and charges may apply. If you do not notify us that you wish to select a different investment option contributions will continue to be invested in the existing investment option. North Standard Measure About the Standard Measure The Standard Measure (SRM) is a common risk descriptor used by superannuation funds. It is based on guidance from the Australian Prudential Regulation Authority (APRA) to allow investors to compare managed funds that are expected to deliver a similar number of negative annual returns over any 20-year period. We have introduced the SRM in accordance with the recommendations from the Financial Services Council (FSC) and Association of Superannuation Funds of Australia (ASFA). SRM descriptors Each managed fund listed in the North Options document has been assigned a SRM. The table below sets out the SRM labels used for each managed fund based on the estimated number of negative annual returns that a managed fund may experience over any 20-year period. / Label Estimated number of negative annual returns over any 20 year period 2 Very low to medium to high Very high Less than to less than to less than 2 2 to less than to less than to less than or greater For example, managed funds with a risk of have a to risk label and may experience between to less than years of negative annual returns over any 20-year period. 22

23 Limitations The SRM is not a complete assessment of all forms of investment risk and does not replace the need for financial advice when constructing a managed fund portfolio. For instance, it does not detail what the size of a negative return could be or the potential for a positive return to be less than an investor may require to meet their objectives. Further, it does not take into account the impact of administration fees and tax on the likelihood of a negative return. The SRM is not a comprehensive account of the risks of investing and investors should consider these risk labels in conjunction with the different risks of investing that apply to their investments. Investors should still ensure they are comfortable with the risks and potential losses associated with their chosen managed fund(s). Methodology The methodology used for calculating the SRM follows the FSC/ASFA recommendations and is in line with market adopted practices. For full details on the methodology, please visit northonline.com.au. You can also contact your financial adviser or the North Service Centre on for any queries on the methodology. Changes to the SRM For each managed fund, any significant changes to market conditions may alter the SRM from time to time. In addition, any changes to the methodology used (including any regulatory changes) may also alter the SRM results. We will generally review the SRM each year. Differences between each provider s SRM Investors should be aware that the SRM labels used for each managed fund are based on our assessment and may differ to those assigned by other providers. The differences are generally due to the methodology used in calculating the SRM. Important information This is the Options document for the North Personal Superannuation and Pension Fund ( the Fund, also known as North Personal Super and North Personal Pension or Wealth Personal Superannuation and Pension Fund ABN ) and should be considered together with the current North Super and Pension PDS Part A. This document is jointly issued by N.M. Superannuation Proprietary Limited (NM Super) ABN , AFS Licence No. 2, and NMMT Limited (NMMT) ABN , AFS Licence No. 2. This document also forms the Options document for the Investor Directed Portfolio Service (IDPS) known as North. The Operator of the IDPS is NMMT Limited (NMMT). Please refer to each underlying investment manager s PDS for detailed information relating to the underlying managed investment options. PDSs for underlying managed investment options do not constitute an offer or invitation to subscribe to or buy any of the securities offered by the fund managers of investment options. In addition, the fund managers of those investment options have not authorised or caused the issue of this document. The fund managers of those managed investment options, their respective officers, holding companies and trustees do not guarantee the capital invested by members of North Personal Super, North Personal Pension and North IDPS investors or the performance of the plans and investment options generally. The performance, the payment of any particular return or any increase in the value of the assets acquired using the investments listed in this document are not guaranteed in any way. This publication has been prepared to provide general information only and does not take into account the financial objectives, situation or needs of any particular person. It is not intended to take the place of professional advice and you should not take action on specific issues in reliance on this information. Before making an investment decision, you need to consider (with or without the assistance of an adviser) whether this information is appropriate to your needs, objectives and circumstances. Past performance is not necessarily indicative of future performance. Detailed information about the product is contained in the PDS and IDPS Guides. Applications for investment in North products will only be accepted via northonline.com.au. Copies of the PDS and IDPS Guides are available on northonline.com.au or can be obtained by calling (800 NORTH). NMMT Limited, N.M. Superannuation Proprietary Limited and their associates derive income from issuing interests in the product, full details of which are contained in the PDS and IDPS Guides. Unless specifically stated, the repayment of capital or performance of our products are not guaranteed. This information is provided for persons in Australia only and is not provided for the use of any person who is in any other country. 2

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