State Super. Fee Booklet. Date of Issue 20 January 2015
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1 State Super Personal Retirement Plan ALLOCATED PENSION FUND Fee Booklet Date of Issue 20 January 2015 State Super Financial Services Australia Limited ABN Australian Financial Services Licence No Trustee of the State Super Retirement ABN
2 Read this Information regarding the State Super Personal Retirement Plan USI SSI0017AU and the State Super Allocated Pension USI SSI0009AU is contained in the applicable Product Disclosure Statement (PDS) and various Booklets, including this Personal Retirement Plan and Allocated Pension Fee Booklet (PRP & APF Fee Booklet). You can obtain a copy of these documents without charge on ssfs.com.au or by contacting us. The information in this PRP & APF Fee Booklet forms part of: the Personal Retirement Plan PDS dated 20 January 2015; and the Allocated Pension PDS dated 1 July The information in each PDS and the Booklets is general information only and doesn t take into account your financial situation or needs. You may wish to consult your financial planner to obtain financial advice that is tailored to your personal circumstances. The information in each PDS and the Booklets may change from time to time. We may update information which is not materially adverse to you on ssfs.com.au. A paper copy can also be obtained without charge from your financial planner or by calling The Personal Retirement Plan and the Allocated Pension are offered in the State Super Retirement (Retirement ). State Super Financial Services Australia Limited ABN , AFSL Number (referred to in this Booklet as SSFS, the trustee, we, us) is the trustee of the Retirement. This PRP & APF Fee Booklet is issued solely by SSFS. No other person (whether or not related to SSFS) is responsible for the information contained in this PRP & APF Fee Booklet. None of the Commonwealth, State or Territory Governments, SSFS, the SAS Trustee Corporation, the investment managers we appoint or our service providers, or their respective officers, employees or agents guarantee that your investment in the Retirement will increase or retain its value, guarantee the repayment of the money you invest in the Retirement or guarantee the performance of the Retirement. 2 Personal Retirement Plan Allocated Pension Fee Booklet
3 Please note that the fees stated are not negotiable This document shows fees and other costs that you may be charged. These fees and other costs may be deducted from your money, from the returns on your investment or from the assets of the superannuation entity as a whole. Other fees, such as activity fees and advice fees for personal advice, may also be charged, but these will depend on the nature of the activity or advice chosen by you. Taxes are set out in the How super is taxed section of the Personal Retirement Plan PDS, the How super in retirement is taxed in the Allocated Pension PDS, and the How is super taxed and How are pensions taxed sections of the Retirement Additional Information Booklet. You should read all the information about fees and other costs because it is important to understand their impact on your investment. The fees and other costs for each offered in the Personal Retirement Plan and Allocated Pension are set on the following pages. Visit our website or call for further information 1
4 Fees and other costs table State Super Personal Retirement Plan/ State Super Allocated Pension TYPE OF FEE Cash Fixed Interest Capital Stable AMOUNT Moderate Balanced Growth HOW AND WHEN PAID Nil early closure costs will be at Investment fee 1,2 Management fee Management fees for unitised s are calculated and accrued each day, 0.99% pa 1.15% pa 1.30% pa 1.35% pa 1.40% pa 1.50% pa and included in the calculation of the of the of the of the of the of the of the unit price of each unitised on amount amount amount amount amount amount you each business day and paid monthly. you invest you invest you invest you invest you invest invest in the Management fees are deducted from in the in the in the in the in the unitised assets at the end of each month. Plus: Performance fee: An estimated performance fee of Management fees for non-unitised s are calculated on a monthly 0.03% pa 0.06% pa 0.07% pa 0.08% pa basis and deducted from the returns of the of the of the of the generated by the underlying assets at amount amount amount amount you the end of each month. you invest you invest you invest invest in the The rates on the Fixed Term and in the in the in the Fixed Payment are quoted after these management fees and are locked in for the term of your investment. Performance fees are calculated and accrued on a regular basis (at least monthly) and incorporated into the calculation of unit prices. Performance fees are deducted from unitised assets at the end of each financial year. Administration Nil Nil Nil Nil Nil Nil N/A fee 1 Buy- sell spread 1 Nil Nil Nil Nil Nil Nil N/A Switching fee 1 Nil Nil Nil Nil Nil Nil N/A Exit fee 1 Nil Nil Nil Nil Nil Nil N/A Advice fees Nil Nil Nil Nil Nil Nil N/A Relating to all members investing in a particular investment option. Other fees and If applicable, costs 3 deducted before the withdrawal amount is paid to you. Indirect cost Estimated For unitised s, costs are accrued ratio 4 into the calculation of unit prices when 0.02% pa 0.02% pa 0.02% pa 0.02% pa 0.02% pa 0.02% pa they become known and deducted as they are incurred. For non-unitised s, costs are factored into rates prior to them being confirmed. *This is only available in the Allocated Pension 1. For a definition of each fee see the Defined Fees section under the heading Additional explanation off fees and costs 2. The investment fee includes costs of access to financial advice. See the Costs of financial advice section under the heading Additional Explanation of fees and costs. 3. There are early closure costs associated with closing a Fixed investment before maturity. Please refer to page This amount is a reasonable approximation of the anticipated indirect costs based on the information available to SSFS at the date of this document. The actual indirect costs may be more or less than the amount estimated. See the Indirect cost ratio section under the heading Additional Explanation of fees and costs. 2 Personal Retirement Plan Allocated Pension Fee Booklet
5 Fees and other costs table State Super Personal Retirement Plan/ State Super Allocated Pension TYPE OF FEE Growth Plus Australian Equities International Equities AMOUNT Fixed Term Fixed Payment * HOW AND WHEN PAID Investment fee 1,2 Management fee Management fees for unitised s are calculated and accrued each day, and 1.50% pa 1.50% pa 1.50% pa 1.15% pa 1.15% pa included in the calculation of the unit price of the of the of the of the of the amount of each unitised on each business day amount you amount you amount you amount you you invest in and paid monthly. Management fees are invest in the invest in the invest in the invest in the the deducted from unitised assets at the end of each month. 0.08% pa of the amount you invest in the Plus: Performance fee: An estimated performance fee of Administration Nil Nil Nil Nil Nil N/A fee 1 Buy- sell spread 1 Nil Nil Nil Nil Nil N/A Switching fee 1 Nil Nil Nil Nil Nil N/A Exit fee 1 Nil Nil Nil Nil Nil N/A Advice fees Relating to all members investing in a particular investment option. Nil Nil Nil Nil Nil N/A Other fees and costs 3 An early closure cost may be incurred if your investment in a non-unitised is redeemed before maturity. 3 Management fees for non-unitised s are calculated on a monthly basis and deducted from the returns generated by the underlying assets at the end of each month. The rates on the Fixed Term and Fixed Payment are quoted after these management fees and are locked in for the term of your investment. Performance fees are calculated and accrued on a regular basis (at least monthly) and incorporated into the calculation of unit prices. Performance fees are deducted from unitised assets at the end of each financial year. If applicable, early closure costs will be deducted before the withdrawal amount is paid to you. Indirect cost ratio 4 Estimated at For unitised s, costs are accrued into 0.02% pa 0.02% pa 0.02% pa 0.02% pa 0.02% pa the calculation of unit prices when they become known and deducted as they are incurred. For non-unitised s, costs are factored into rates prior to them being confirmed. *This is only available in the Allocated Pension 1. For a definition of each fee see the Defined Fees section under the heading Additional explanation off fees and costs 2. The investment fee includes costs of access to financial advice. See the Costs of financial advice section under the heading Additional Explanation of fees and costs. 3. There are early closure costs associated with closing a Fixed investment before maturity. Please refer to page This amount is a reasonable approximation of the anticipated indirect costs based on the information available to SSFS at the date of this document. The actual indirect costs may be more or less than the amount estimated. See the Indirect cost ratio section under the heading Additional Explanation of fees and costs. Visit our website or call for further information 3
6 Additional explanation of fees and costs Performance fees We may pay some investment managers of the s a performance fee for achieving specific targets. This is passed onto you through an increase in the Investment fee. Performance fees are based on the returns a manager delivers. They will vary from year to year in line with performance. We estimate that the performance fee for the Capital Stable, Moderate, Balanced, Growth and Growth Plus s to be from 0.03% pa to 0.08% pa and this estimate is shown in the Fees and other costs table above. In exceptional circumstances the performance fee may be outside this range. Each performance fee is calculated slightly differently however they all have the following common elements: A performance fee is only payable to a manager if they achieve a target level of return; Each time a performance fee is paid the portfolio must reach the previous highest value plus the appropriate performance hurdle before a new performance fee is payable; Performance fees are calculated and accrued regularly (at least monthly) and incorporated into the calculation of unit prices. The accrued performance fee can rise or fall in line with delivered performance; and Performance fees are only payable at the end of each financial year and in certain circumstance payments may be delayed. Rebating of investment fees You may be eligible to receive a rebate of the investment fees payable on your investment in the State Super Personal Retirement Plan, the State Super Allocated Pension, the State Super Term Allocated Pension and the State Super Investment Class A (each, an eligible product). The rebate applies to the investment fees on an eligible total account balance that exceeds $1,000,000. Rebates do not apply to performance fees. Eligibility criteria You are eligible for a rebate in respect of a six month period if: you and your spouse (married, de facto or same sex) have a total account balance of over $1,000,000 in one more eligible products on any business day during each six month period; and at any time during the six month period, you were invested in the Fixed Interest, the Fixed Term, the Fixed Payment, the Capital Stable, the Moderate, the Balanced, the Growth, the Growth Plus, the Australian Equities and/or the International Equities ; and you are invested in one or more eligible products on the date the rebate is paid this means that if you are not invested in any eligible product on the date the rebate is paid, no rebate shall be paid to you (although your spouse may still be entitled to the rebate if he or she satisfies the eligibility criteria). The six monthly periods are 1 October to 31 March and 1 April to 30 September. Payment of the rebate The overall effect of the rebate is that: (a) the investment fees on the first $1,000,000 of the total account balance are as outlined in the Fees and other costs table on page 2 of this Booklet; and (b) the maximum investment fees on the remainder of the total account balance over $1,000,000 is 0.99% pa plus an performance fees payable. As described in the Fees and other costs table on page 2, investment fees are calculated and accrued each business day. Accordingly, the rebate is calculated on a daily basis, having regard to 4 Personal Retirement Plan Allocated Pension Fee Booklet
7 the daily total account balance. This means that you will not receive a rebate of investment fees on any business day that your total account balance does not exceed $1,000,000. This means that your investment fees will be as follows: Investment Fees on First $1 Million of Total Account Balance (per day) Maximum Investment Fees on Remainder of Total Account Balance over $1 Million after Rebate (per day) Cash 0.99% pa 0.99% pa Fixed Interest 1.15% pa 0.99% pa Fixed Term 1.15% pa 0.99% pa Fixed Payment 1.15% pa 0.99% pa Capital Stable 1.30% pa 0.99% pa* Moderate 1.35% pa 0.99% pa* Balanced 1.40% pa 0.99% pa* Growth 1.50% pa 0.99% pa* Growth Plus 1.50% pa 0.99% pa* Australian Equities 1.50% pa 0.99% pa International Equities 1.50% pa 0.99% pa *Plus any performance fee payable Where your entitlement to a rebate is based on the total of your and your spouse s account balance, the rebate will be paid proportionately based on the account balance of each spouse on the date of payment. The rebate will be allocated between the unitised s that you are invested in on the date of payment. Accordingly, while the rebate represents a reduction in investment fees of each individual (other than the Cash ) each day in the six month period, part or all of your rebate would be paid to the Cash if you are invested in the Cash on the payment date. We will normally pay the rebate within one month after the end of each six month period. The rebate will be paid in the form of an allocation of additional units in the unitised s that you are invested in at the date of payment of the rebate at the unit price for that day. You should discuss the tax implications of these rebates with your financial planner. Rebate methodology The rebate for a six month period is calculated as follows: 1. Calculate the investment fees (refer to the table above) deducted from each you (and, if relevant, your spouse) are invested in (as an annual amount). 2. Convert the amount of investment fees from Step 1 into an average rate of investment fees payable on the total account balance. 3. Calculate the total investment fees after the effect of the rebate (as an annual amount) by applying: (a) the average rate calculated in Step 2 to the first $1,000,000 of the total account balance; and (b) 0.99% pa to that part of the total amount balance that exceeds $1,000, Calculate the rebate amount (as an annual amount) by subtracting the investment fees from Step 3 from the investment fees from Step Convert the annual amount of the rebate to an amount for the six month period. 6. Allocate the amount of the rebate from Step 5 between each unitised that you (and, if relevant, your spouse) are invested in at the time of payment. Visit our website or call for further information 5
8 For example, if you had $1,050,000 invested in the State Super Allocated Pension ($500,000 in the Cash, $250,000 in the Capital Stable and $300,000 in the Balanced ) and your spouse had $1,500,000 invested in the State Super Investment ($500,000 in the Cash, $600,000 in the Balanced and $400,000 in the Growth ) from 1 October to 31 March (assuming no change in value of investment), and no performance fees were payable and you both otherwise satisfied the eligibility criteria, the rebates payable would be calculated as per below. Example: Rebate Calculation (see above for example assumptions) Total annual investment fees for you and your spouse before rebate Average annual investment fees for you and your spouse before rebate Total annual investment fees for you and your spouse after rebate Amount of rebate for you and your spouse (as an annual amount) Amount of rebate for six month period for you and your spouse Allocation of rebate to your investment in the State Super Allocated Pension Allocation of rebate to your spouse s investment in the State Super Investment Investment fee for Cash = ($500,000 x 0.99% pa) + ($500,000 x 0.99% pa) = $9,900 pa Investment fee for Capital Stable = $250,000 x 1.3% pa = $3,250 pa Investment fee for Balanced = ($300,000 x 1.4% pa) + ($600,000 x 1.4% pa) = $12,600 pa Investment fee for Growth = $400,000 x 1.5% pa = $6,000 pa Total annual investment fees = $31,750 pa = $31,750 $2,550,000 = 1.25% Investment fees for first $1,000,000 $1,000,000 x 1.25% pa = $12,500 pa Investment fees for amount over $1,000,000 $1,550,000 x 0.99% pa = $15,345 pa Total annual investment fee = $27,845 pa = $31,750 - $27,845 = $3,905 pa = $3,905 x = $1, Rebate allocated to Cash $500,000 $2,550,000 x $1, = $ Rebate allocated to Capital Stable $250,000 $2,550,000 x $1, = $ Rebate allocated to Balanced $300,000 $2,550,000 x $1, = $ Rebate allocated to Cash $500,000 $2,550,000 x $1, = $ Rebate allocated to Balanced $600,000 $2,550,000 x $1, = $ Rebate allocated to Growth $400,000 $2,550,000 x $1, = $ Note: The above example is illustrative only and is based on the factors stated for example, the number of days in each six month period may vary. It should not be taken to provide an estimate of the rebate you or your spouse may be paid in any circumstances. 6 Personal Retirement Plan Allocated Pension Fee Booklet
9 Taxation Taxation costs are set out in the How super is taxed section of the Personal Retirement Plan PDS and the How super in retirement is taxed section of the Allocated Pension PDS. A tax deduction is claimed for the investment fee of the Retirement and for expenses incurred by the Retirement, the benefit of which is passed on to members through lower taxation costs and hence reduced investment fees. Government charges Where applicable, Government taxes will be deducted from your account balance. These deductions will be itemised in your Annual Statement (Personal Retirement Plan members, see page 22 of the Retirement Additional Information Booklet, for discussion of your Annual Statement). Goods and Services Tax (GST) GST generally applies to the fees, costs and expenses payable by the investment options, investment fees and other fees payable to SSFS. The investment options may be entitled to claim a reduced input tax credit (RITC), which represents a proportion of the GST applicable to investment fees and certain other expenses, as set out in the GST law. Unless otherwise stated, the investment fees and other fees specified in the Fees and other costs table above are inclusive of GST and net of any RITC at the prescribed rate. It shows the approximate net cost to the investment options of these amounts payable to SSFS. Operational Risk Financial Reserve The Operational Risk Financial Reserve (ORFR) has been established to comply with an Australian Prudential Regulation Authority (APRA) requirement for registrable superannuation entity licensees to maintain adequate financial resources to address losses arising from operational risks that may affect registrable superannuation entities within its business operations. Our target ORFR has been determined at 0.25 per cent of total funds under management and will be held within this reserve. The costs of building and maintaining the ORFR represent a cost to investors in addition to the the investment fees set out in the Fees and other costs table above. Details of our operational risk reserve will be included in the Annual Report for the Retirement each year. Costs of financial advice The management fees in the Fees and costs table on page 20 include financial planning fees. See the Statement of Advice from your financial planner for further details. Transactional and operational costs Transactional and operational costs are the costs of buying and selling assets associated with each. They include brokerage, the costs of settlement and clearing of assets, and Government taxes and duties. Such costs are deducted from the assets relating to each at the time they are incurred. Transactional and operational costs are reflected in the unit prices of the s. Transactional and operational costs are an additional cost to you, in addition to the fees and costs set out in the Fees and other costs table above. Estimates are included in unit prices. For the non-unitised s (ie Fixed s) there may be a transaction cost incurred if a Fixed investment is closed before maturity. This early closure cost is deducted directly from your investment. Please refer to page 8 for more details. Visit our website or call for further information 7
10 Indirect cost ratio There are certain expenses that are paid from assets of the Retirement and not charged as a fee. These include APRA levies and the costs of building and maintaining the Operational Risk Financial Reserve. The amount shown in the Fees and other costs table above is an estimate of the indirect costs payable in respect of each expressed as a percentage of the s assets. Early closure costs for the Fixed Term and the Fixed Payment (Fixed s) The Fixed s are designed to be held to maturity. If you choose to or are required to redeem your investment in a Fixed before the end of the term, you may incur costs associated with redeeming the assets underlying the Fixed s before maturity. The amount of the early closure costs will depend on the difference between a rate called the repurchase rate and the rate applicable to your Fixed investment. The repurchase rate is calculated as the sum of: (a) a rate based on the then current rates in the Fixed for an investment with a term approximately equal to the remaining duration of your investment; and (b) a margin to reflect the costs associated with redeeming your investment. The margin is currently 0.75%. Importantly, the margin can be temporarily set at a higher rate in months where there are substantial withdrawals from the Fixed s. The repurchase amount on an investment in a Fixed Term is calculated as the sum of: (a) the value of future monthly payments; and (b) the maturity value, each converted to today s dollars using the monthly repurchase rate. The repurchase amount on an investment in a Fixed Payment is calculated as the sum of the value of future monthly payments converted to today s dollars using the monthly repurchase rate. 8 Personal Retirement Plan Allocated Pension Fee Booklet
11 Fixed Term Example If you invested $10,000 in a three (3) year Fixed Term investment with a fixed rate of 5.00% per annum and wanted to redeem your investment after one (1) year and the current two (2) year fixed rate was 5.50% per annum, then the early closure cost would be calculated as follows: Fixed Term rate on existing investment = 5.00% pa A Fixed Term rate for new 2 year term = 5.50% pa B Margin = 0.75% pa C Repurchase rate, annual (B + C) = 6.25% pa Repurchase rate, monthly = 0.521% (6.25% / 12) Monthly payment amount = $41.67 Maturity value = $10,000 The repurchase amount is calculated by converting all of the remaining monthly payment amounts (24 payments of $41.67 in this example) and the maturity value ($10,000) to today s dollars using the monthly repurchase rate (0.521% in this example). Each amount is then added together to calculate the repurchase amount. Repurchase amount (the amount you receive) = $9, Early closure cost = maturity value repurchase amount Fixed Payment Example = $10,000 - $9, = $ If you invested $10,000 in a three (3) year Fixed Payment investment with a fixed rate of 5.00% per annum and wanted to redeem your investment after one (1) year and the current two (2) year fixed rate was 5.50% per annum then the early closure cost would be calculated as follows: Fixed Payment rate on existing investment = 5.00% pa A Fixed Payment rate for new 2 year term = 5.50% pa B Margin = 0.75% pa C Repurchase rate, annual (B + C) = 6.25% pa Repurchase rate, monthly = 0.521% (6.25% / 12) Monthly payment amount = $ Current value of investment = $6, The repurchase amount is calculated by converting all of the remaining monthly payment amounts (24 payments of $ in this example) to today s dollars using the monthly repurchase rate (0.521% in this example). Each amount is then added together to calculate the repurchase amount. Repurchase amount (the amount you receive) = $6, Early closure cost = current value of investment repurchase amount = $6, $6, = $86.16 Note: The calculations of the early closure costs in the Fixed Term Example and Fixed Payment Example above are examples for illustration purposes only and are based on the assumptions stated. The actual amount of the early closure cost you incur will depend on the circumstances applicable to your investment and may be higher than that described above. Generally the higher the fixed rates available at the time you redeem your investment, the higher the early closure cost. Visit our website or call for further information 9
12 Can the fees change? Yes, fees can change. We may increase the fees or may commence charging new fees, without your consent. Reasons for doing so might include changing economic conditions and changes in regulation. The current fees we receive for overseeing the Retirement s operations, which includes ongoing administration, is less than the maximum fee we are entitled to receive under the trust deed.the maximum fee allowable for all s in the Personal Retirement Plan is 1.5% per annum of the net asset value of the. The maximum fee allowable for all s in the Allocated Pension is 2% per annum. We are also entitled to be reimbursed for certain costs, charges and expenses we incur. Further, although we do not currently charge a switching fee, the trust deed permits a switching fee of $100 (CPI indexed from 1 July 1994) to be charged per switch. Although we are able to charge fees in connection with family law requests, it is the trustee s current intention not to do so. This policy may change in the future. The Trustee reserves the right to change the rebate percentage and/or the total account balance threshold and/or the eligibility conditions at any time. However, we will give you at least 30 days prior notice of any such change. We have the right to withhold the rebate if we consider that you no longer meet the eligibility criteria. We will give you at least 30 days prior notice of any increase in fees or the introduction of any new fees. Defined fees Activity fees A fee is an activity fee if: (a) the fee relates to costs incurred by the trustee of the superannuation entity that are directly related to an activity of the trustee: (i) that is engaged in at the request, or with the consent, of a member; or (ii) that relates to a member and is required by law; and (b those costs are not otherwise charged as an administration fee, an investment fee, a buysell spread, a switching fee, an exit fee, an advice fee or an insurance fee. Administration fees An administration fee is a fee that relates to the administration or operation of the superannuation entity and includes costs incurred by the trustee of the entity that: (a) relate to the administration or operation of the entity; and (b) are not otherwise charged as an investment fee, a buy-sell spread, a switching fee, an exit fee, an activity fee, an advice fee or an insurance fee. Advice fees A fee is an advice fee if: (a) the fee relates directly to costs incurred by the trustee of the superannuation entity because of the provision of financial product advice to a member by: (i) a trustee of the entity; or (ii) another person acting as an employee of, or under an arrangement with, the trustee of the entity; 10 Personal Retirement Plan Allocated Pension Fee Booklet
13 (b) those costs are not otherwise charged as an administration fee, an investment fee, a switching fee, an exit fee, an activity fee or an insurance fee. Buy-sell spreads A buy-sell spread is a fee to recover transaction costs incurred by the trustee of the superannuation entity in relation to the sale and purchase of assets of the entity. Exit fees An exit fee is a fee to recover the costs of disposing of all or part of members interests in the superannuation entity. Indirect cost ratio The indirect cost ratio (ICR), for a MySuper product or an investment option offered by a superannuation entity, is the ratio of the total of the indirect costs for the MySuper product or investment option, to the total average net assets of the superannuation entity attributed to the MySuper product or investment option. Note: A dollar-based fee deducted directly from your account is not included in the indirect cost ratio. Investment fees An investment fee is a fee that relates to the investment of the assets of a superannuation entity and includes: (a) fees in payment for the exercise of care and expertise in the investment of those assets (including performance fees); and (b) costs incurred by the trustee of the entity that: (i) relate to the investment of assets of the entity; and (ii) are not otherwise charged as an administration fee, a buy-sell spread, a switching fee, an exit fee, an activity fee, an advice fee or an insurance fee. Switching fees A switching fee is a fee to recover the costs of switching all or part of a member s interest in the superannuation entity from one class of beneficial interest in the entity to another. Visit our website or call for further information 11
14 Directory Registry Services GPO Box 5336 Sydney NSW 2001 Brisbane Qld Level 10, 133 Mary Street, BRISBANE PO Box City East QLD 4002 Client Services: Charge Free: Canberra City ACT Northbourne Avenue, BRADDON PO Box 725 Civic Square ACT 2608 Client Services: Charge Free: Canberra Woden ACT Level 1, 10 Corinna Street, PHILLIP PO Box 49 Woden ACT 2606 Client Services: Charge Free: Melbourne Vic Level 16, 440 Collins Street, MELBOURNE GPO Box 2817 Melbourne VIC 3001 Client Services: Charge Free: Perth WA Level 3, 197 St Georges Terrace, PERTH PO Box 5657 Perth WA 6831 Client Services: Toll Free: Sydney Clarence Street NSW Level 9, 83 Clarence Street, SYDNEY GPO Box 5336 Sydney NSW 2001 Client Services: Charge Free: Sydney Pitt Street NSW Level 9, 175 Pitt Street, SYDNEY GPO Box 5058, Sydney NSW 2001 Client Services: Charge Free: Liverpool NSW Level 3, 1 Moore Street, LIVERPOOL PO Box 137 Liverpool NSW 2170 Client Services: Charge Free: Newcastle NSW Level 2, 22 Honeysuckle Drive, NEWCASTLE PO Box 1765 Newcastle NSW 2300 Client Services: Charge Free: Parramatta NSW Level 1, 90 Phillip Street, PARRAMATTA PO Box 966 Parramatta NSW 2124 Client Services: Charge Free: Penrith NSW Level 3, 331 High Street, PENRITH PO Box 1014, Penrith NSW 2751 Client Services: Charge Free: Wollongong NSW Level 4, Keira Street, WOLLONGONG PO Box 349 Wollongong East NSW 2520 Client Services: Charge Free: Central Coast NSW Level 2, 40 Mann Street, GOSFORD PO Box 354 Gosford NSW 2250 Client Services: Charge Free: Mid North Coast NSW 40 Gordon Street, PORT MACQUARIE PO Box 2117 Port Macquarie NSW 2444 Client Services: Charge Free: North West NSW Ground Floor, 17 White Street, TAMWORTH PO Box 297 Tamworth NSW 2340 Client Services: Charge Free: Northern Rivers NSW River Street, BALLINA PO Box 1078 Ballina NSW 2478 Client Services: Charge Free: South West NSW 14 Morrow Street, WAGGA WAGGA PO Box 13 Wagga Wagga NSW 2650 Client Services: Charge Free: Central West NSW 180 Anson Street, ORANGE PO Box 2381 Orange NSW 2800 Client Services: Charge Free: Personal Retirement Plan Allocated Pension Fee Booklet
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