Australia s first dedicated super fund that invests in accordance with Islamic investment principles.

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1 Australia s first dedicated super fund that invests in accordance with Islamic investment principles.

2 B About Crescent Wealth Crescent Wealth is Australia s first dedicated Islamic Wealth manager, offering superannuation that is based on Islamic investment principles. As a pioneer with specialist expertise in a dynamic new sector, we offer all Australians an attractive alternative to socially responsible investing. Plan for this life, and the next. t

3 1 1 SUPERANNUATION OR SUPER IS A COMPULSORY LONG-TERM SAVINGS PLAN THAT HELPS YOU SAVE FOR YOUR RETIREMENT. Your employer pays 9.5% of your salary into a super fund nominated by you. The Australian Government has determined this to rise to 12% over the coming years. You have the right to choose the investment option for your super that best meets your needs, ethical principles and expectations. 2 The reality of superannuation today is that an average (balanced) investment option invests at least 23% of your super into Riba/interest, with the remainder of your superannuation invested without any regard to Islamic investment principles. The reality is that your super is likely to be invested in companies that produce or market alcohol, armaments, tobacco, or adult materials amongst other socially detrimental activities prohibited by Islamic investment principles. Where is your money going? Riba/Interest Alcohol Tobacco Gambling War Weapons Media Pig Products 1 Australian Tax Office - March Crescent Wealth estimates based on the Association of Superannuation Funds of Australia Superannuation Statistics February 2013 CRESCENT WEALTH PROVIDES YOU WITH AN ALTERNATIVE CHOICE THAT DOESN T COMPROMISE YOUR VALUES.

4 2 3 CRESCENT WEALTH IS AUSTRALIA S FIRST ISLAMIC WEALTH MANAGER. WE INVEST IN ACCORDANCE WITH ISLAMIC INVESTMENT PRINCIPLES AND ENSURE YOUR MONEY IS INVESTED IN THE RIGHT PLACE. Islamic investment principles, also referred to as Sharia investment principles, refer to an investment philosophy that differs substantially from the conventional approach to investments. It represents an investment philosophy to pursue the wider objective of Sharia the establishment of fairness and justice for all in business and commerce. We invest your super savings with experienced investment managers from Australia and abroad. We invest across a diversified portfolio of Australian shares, international shares, property, Islamic-bank deposits and Islamic bonds (also known as Sukuk). As part of our investment approach, we filter out socially detrimental activities and avoid investments involving the payment and receipt of interest. Examples of areas we invest in: Natural Resources Halal Cash Telecommunications Clean Technology Manufacturing Utilities Property & Infrastructure Healthcare 4 Crescent Wealth adheres to the Islamic investment principles as set by the globally recognised Accounting and Auditing Organisation for Islamic Financial Institutions (AAOIFI). In addition, we have appointed Dar Al Sharia as our Sharia Supervisory Board to advise and guide Crescent Wealth on all matters relating to Islamic investment principles. Finally, we also subscribe to the services of IdealRatings to research and determine which investments meet Islamic investment principles. We adhere to the globally recognised standard for Islamic investment principles. We have an appointed Sharia Supervisory Board of international scholars on Islamic Finance. We subscribe to the services of the most trusted Islamic investment research firm for some of the world s leading financial institutions.

5 3 5 Crescent Wealth has brought together experienced investment teams and Islamic banks from Australia and abroad to manage the retirement savings of the members of the Crescent Wealth Super Fund. We invest cash deposits with the internationally awarded Islamic bank HSBC Amanah and international shares are managed by Saturna, a firm that has been managing shares in accordance with Islamic investment principles since the late 80s. BENEFITS OF JOINING Know your wealth is always invested Islamically Help you find and combine your Super Competitive fees 24x7 Online access to your account Join quickly and easily online

6 4 6 The Crescent Wealth Super Fund proudly offers competitive ongoing management fees between 1.415% and 1.915% p.a. (depending on your investment choice) plus $1.58 per week for administration costs. Furthermore, unlike many other funds, there are no upfront contribution fees, no establishment fees, no withdrawal fees and no termination fees for closing your account.? We take the protection of your financial well-being very seriously and as such, Crescent Wealth has a comprehensive regulatory framework in place to safe guard your super. - The Crescent Wealth Super Fund (CWSF) is registered under the Australian Prudential Regulation Authority (APRA). - The CWSF has The Trust Company (Superannuation) Limited (TTCSL) as the independent Trustee who is responsible for the compliance and operations of the fund. - RBC Investor Services, as custodian, is an independent institution that holds securities on behalf of the CWSF for safekeeping so as to minimise the risk of theft or fraud, and which is a legal requirement upon any super fund you choose. The Trustee of the CWSF (TTCSL) holds both an Australian Financial Services Licence AFSL: (issued by ASIC) and a Registrable Superannuation Entity Licence RSE: L (issued by the Australian Prudential Regulation Authority - APRA). In addition, the CWSF has been registered with APRA and has been given the Fund Registration Number R The CWSF Australian Business Number (ABN) is: For more information about the Crescent Wealth Super Fund and applicable investment risks, please see the Product Disclosure Statement available at You may also contact Crescent Wealth directly on or alternatively by at info@crescentwealth.com.au.

7 5 7 CRESCENT WEALTH IS A PROUD SUPPORTER OF AUSTRALIAN COMMUNITIES AND A PASSIONATE BELIEVER IN THE IDEA OF PROSPERING COLLECTIVELY. That is why we continue to establish community partnerships with the aim to develop ideas that will drive lasting social impact, can be sustained and may be replicated across regions to benefit every facet of Australian communities for years to come. 8 PLEASE CONTACT CRESCENT WEALTH info@crescentwealth.com.au

8 Contact us (outside Australia) Info@crescentwealth.com.au Sydney Office Level 6 71 Macquarie Street, SYDNEY NSW 2000 Level Little Collins Street, MELBOURNE VIC 3000 Important Notice This document is based on our understanding of the laws and regulations as at 07 April This brochure is for informational purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any investment product or security. This brochure does not take into account the investment objectives, financial situation or particular needs of any particular person. Investors should obtain individual financial advice based on their own particular circumstances before an investment decision on the basis of this communication or brochure. You must read the Product Disclosure Statement for the Crescent Wealth Superannuation Fund before investing. Please visit for the latest copy. The Crescent Wealth Superannuation Fund (ABN ) is issued by the Trustee of the Fund, The Trust Company (Superannuation) Limited (TTCSL - ABN: AFSL ). Crescent Funds Management (Aust) Ltd. (ABN AFSL No: ) referred to in this brochure as Crescent Wealth and is licensed to deal and offer interests in the Fund. Copyright 2014 Crescent Funds Management (Aust) Ltd. All rights reserved.