Woolworths NSW Member Income Protection Form

Woolworths NSW Member Income Protection Form Complete this form if you want to apply for or increase your Income Protection insurance cover. Income Protection insurance cover, also known as salary continuance insurance, is separate from our Death & Total and Permanent Disablement (TPD) or Death Only cover. Income Protection insurance provides an income where you are unable to work as a result of an injury or illness and are receiving reduced or no income. The benefit you receive is paid in arrears for a period of up to two years. You have the flexibility to choose from a 30, 60 or 90-day benefit waiting period. When you first join LUCRF Super and Woolworths NSW, you are automatically allocated 5 units of Light Blue Income Protection Insurance ($500 weekly benefit) with a 30-day waiting period *. Income Protection insurance is available with or without our Death & TPD or Death Only cover. The maximum benefit you can receive is 85% of your pre-injury or illness salary. Up to 75% is paid to you as income and any amount above this up to 10% is paid as a super contribution into your LUCRF Super account. A maximum sum insured of up to $30,000 per month applies. * Provided you are a full-time or permanent part-time employee, working more than 15 hours per week, are not a casual employee and aged below 65. Note: Your Income Protection payment may be reduced if you receive any employment income, workers compensation, social security or other statutory or Government payments at the time you make a claim. Income Protection cover is not available to casual employees or employees working less than 15 hours per week. Step 1 Your details Please read our Personal Information Collection Statement at lucrf.com.au/privacy LUCRF Super membership number (please contact us if you do not know your membership number) Date of birth (dd/mm/yyyy) / / Please cross [ ] the appropriate box: Mr Mrs Miss Ms Other (please specify) First name(s) Last name Residential/Street address Unit/Street number Street name Suburb/City/Town State/Territory Postcode Postal address if different to residential Unit/Street/PO Box number Street name Suburb/City/Town State/Territory Postcode Contact details Email address Mobile phone Work phone Home phone From time to time we send marketing material. If you do not wish to receive this, please tick this box Issued by 1 December 2015 L.U.C.R.F Pty Ltd ABN 18 005 502 090 AFSL 258481 as Trustee for Labour Union Co-operative Retirement Fund ABN 26 382 680 883 (LUCRF Super). LUCRF0536_1215 Woolworths NSW Member Income Protection Form Page 1 of 5

Income Protection cover Insurance tables The cost of Income Protection insurance with LUCRF Super depends on your age, gender, work category and the waiting period you select. The example below is to help you determine how to calculate the level and cost of cover that may suit you. Example John 25 years old at next birthday Heavy machine operator (Heavy Blue Collar) Gross weekly salary of $900 60-day waiting period. Wants cover of $765 (85% of $900) Cost of cover $0.36 per $100 weekly benefit Maximum cover limit John can apply for up to 85% of his salary ($765 per week) $900 per week salary x 85% (of gross salary) = $765 per week How to work out cover So, $765 per week / $100 weekly benefit = 8 units (rounded to the nearest $100) 8 units x $0.36 = $2.88 per week John chooses $800 per week of income protection cover Cost per week $2.88 (deducted from John s super account) Refer to the tables below to determine the weekly cost per week of your Income Protection insurance cover. Call 1300 130 780 if you need help. Weekly premium per $100 weekly benefit 30-day waiting period Age Next Birthday Professional White Collar Light Blue Heavy Blue Male Female Male Female Male Female Male Female 16 20 0.21 0.21 0.23 0.23 0.40 0.43 0.59 0.63 21 25 0.22 0.22 0.24 0.24 0.42 0.45 0.61 0.65 26 30 0.23 0.25 0.25 0.27 0.45 0.51 0.66 0.74 31 35 0.28 0.32 0.31 0.35 0.54 0.67 0.79 0.97 36 40 0.37 0.44 0.41 0.48 0.72 0.91 1.05 1.33 41 45 0.51 0.59 0.56 0.65 0.99 1.24 1.44 1.81 46 50 0.72 0.80 0.79 0.88 1.39 1.67 2.03 2.44 51 55 1.05 1.08 1.15 1.19 2.03 2.27 2.96 3.30 56 60 1.59 1.50 1.75 1.65 3.10 3.15 4.51 4.58 61 65 1.81 1.57 1.99 1.73 3.52 3.29 5.13 4.79 60-day waiting period Age Next Birthday Professional White Collar Light Blue Heavy Blue Male Female Male Female Male Female Male Female 16 20 0.11 0.12 0.12 0.13 0.24 0.26 0.34 0.38 21 25 0.11 0.12 0.12 0.13 0.25 0.27 0.36 0.39 26 30 0.12 0.14 0.13 0.15 0.27 0.31 0.39 0.45 31 35 0.15 0.18 0.16 0.20 0.32 0.40 0.47 0.59 36 40 0.19 0.26 0.21 0.28 0.43 0.56 0.62 0.81 41 45 0.27 0.36 0.30 0.39 0.61 0.79 0.89 1.15 46 50 0.39 0.48 0.43 0.53 0.87 1.07 1.26 1.56 51 55 0.62 0.70 0.68 0.77 1.37 1.54 1.99 2.24 56 60 0.95 0.97 1.04 1.07 2.10 2.15 3.05 3.13 61 65 1.11 1.01 1.22 1.11 2.46 2.23 3.57 3.24 90-day waiting period Professional White Collar Light Blue Heavy Blue Age Next Birthday Male Female Male Female Male Female Male Female 16 20 0.07 0.08 0.08 0.09 0.16 0.18 0.21 0.23 21 25 0.07 0.08 0.08 0.09 0.17 0.18 0.22 0.24 26 30 0.07 0.09 0.08 0.10 0.16 0.21 0.21 0.27 31 35 0.07 0.10 0.08 0.11 0.17 0.22 0.22 0.29 36 40 0.10 0.14 0.11 0.15 0.22 0.30 0.29 0.39 41 45 0.16 0.22 0.17 0.24 0.35 0.48 0.46 0.63 46 50 0.26 0.34 0.28 0.37 0.56 0.75 0.74 0.98 51 55 0.45 0.53 0.49 0.58 0.99 1.17 1.30 1.54 56 60 0.79 0.77 0.87 0.85 1.76 1.72 2.30 2.25 61 65 0.90 0.73 0.99 0.80 2.00 1.61 2.61 2.10 Woolworths NSW Member Income Protection Form Page 2 of 5

Step 2 Your work category To ensure you receive the correct insurance cover we need to identify the work category that best represents the type of work you do. Please cross [ ]: What is the name of your current employer? What is your main occupation? If yes, please specify your other occupation(s) Are you engaged in any other occupations? YES NO 1. Do you spend at least 80% of your total working time in an office or similar environment performing administrative, clerical or sedentary-type duties? (This includes the total amount of time spent in all occupations as advised above) YES NO If YES, proceed to questions 2 and 3. If NO, proceed to questions 4 and 5. Only complete questions 2 and 3 if you answered YES to question 1. 2. Do you have a university degree qualification relevant to the field of your main occupation OR are you an executive or senior managerial white-collar worker and not self-employed OR are you a member of a professional institute? YES NO 3. Is your current annual salary package (including superannuation guarantee contribution) in excess of $150,000? YES NO Only complete questions 4 and 5 if you answered NO to question 1. 4. Do you have a recognised trade qualification relating to your occupation OR does your occupation require you to perform light manual work OR are you a supervisor of blue-collar workers and your duties include up to 10% of light manual work? (eg an electrician, mechanic, printer, greengrocer, carpenter, storeman, poultry processing employee, plumber etc)? YES NO 5. Are you a skilled or semi-skilled worker whose duties include heavy manual work OR are you required to operate heavy machinery (e.g. qualified wall/floor tiler, glazier, bulldozer driver, forklift driver)? YES NO If you answered YES to questions 1, 2 and 3 you are classified as Professional. If you answered YES to question 1 and NO to either question 2 or 3, you are classified as White Collar. If you answered NO to questions 1 and 5 and YES to question 4, you are classified as Light Blue. If you answered NO to questions 1 and 4 and YES to question 5, you are classified as Heavy Blue. If you answered NO to questions 1, 4 and 5, we cannot offer you Income Protection insurance. Step 3a Select the amount of cover you want to apply for Please complete this section to apply for Income Protection insurance cover. I am currently working more than 15 hours per week (cross [ ] one box only): Yes No I am a casual employee (cross [ ] one box only): Yes No Gender (cross [ ] one box only): Note: Income Protection cover is not available to casual employees, or employees working less than 15 hours per week. Female Male Please select your waiting period (cross [ ] one box only): 30 days 60 days 90 days Woolworths NSW Member Income Protection Form Page 3 of 5

Step 3b Within 90 days of your welcome letter (if you would like more than the default cover of $500 per week) Apply for cover of up to $700 per week ($36,400 per year) by completing steps 1, 2, 3a, 3b and 6. I want to apply for a total benefit of $ per week of Income Protection cover (benefit must be a multiple of $100 up to $700) As at the date of signing this application, I confirm that: I am off work due to injury or illness or restricted from performing any of the usual duties of my occupation due to injury or illness, on a full-time basis of at least 30 hours per week (even if not currently working on a full-time basis for non-medical reasons) YES NO (Note: You must answer NO to the statement above to be eligible for cover. If you cannot answer NO you can still apply for cover by completing the OnePath Personal Statement. Automatic acceptance of cover is only available once per member; commencing subsequent LUCRF Super memberships will not entitle you to additional automatically accepted cover). Step 3c After 90 days of the date of your welcome letter or for cover above $700 per week Apply for cover up to the maximum benefit amount of $30,000 per month For cover up to $7,000 per month complete steps 1, 2, 3a, 3c, 4 and 6 For cover above $7,000 per month complete steps 1, 2, 3c, 6 and a OnePath Personal Statement I want to apply for a total benefit of $ per week of Income Protection cover (benefit must be a multiple of $100) If you are employer-sponsored and applying for Income Protection insurance cover in excess of $7,000 per month, you will need to complete a OnePath Personal Statement. To obtain a copy please call us on 1300 130 780 or download one from lucrf.com.au Step 4 Health questions You need to complete all the health questions below to apply for Income Protection insurance cover with us. Please cross [ ] boxes for YES or NO. To the best of your knowledge: 1. Other than to combat a cold or flu, a. are you, at the date of this application, off work due to injury or illness or restricted from performing any of the usual duties of your occupation due to injury or illness? YES NO b. are you currently receiving any form of medical treatment or taking any form of medication? YES NO c. have you taken more than a total of seven consecutive days off work over the past 12 months due to illness or injury? YES NO 2. Have you ever received medical advice, consulted a doctor, undergone medical treatment, investigations or operations for, or suffered from any of the following: a. cancer, tumour or growth including breast lumps or skin lesions/moles (even if you have not seen a doctor), high blood pressure, high cholesterol, heart complaint, murmur, palpitations or chest pain, stroke, thyroid or glandular disorder or diabetes? YES NO b. back or neck pain/disorder, musculoskeletal symptoms or any joint disorder, gout, arthritis, repetitive strain syndrome, paralysis of any kind, chronic fatigue syndrome, epilepsy or neurological disorder, or mental/nervous disorder including stress, anxiety or depression? YES NO c. kidney, bowel, bladder, gall bladder, liver disease or disorder, lung or other organ disorder, hepatitis, hernia, blood disorder, sleep apnoea, asthma or persistent cough or any lung complaint, or any abnormality of hearing, speech or eyesight (excluding glasses or contact lenses)? YES NO 3. Have you ever tested positive forhuman Immunodeficiency Virus (HIV), which causes Acquired Immune Deficiency Syndrome (AIDS), or are you suffering from AIDS or any AIDS-related conditions? YES NO 4. Have you ever had an application for life, disability, trauma or income protection declined? YES NO 5. a. What is your current height? (cm) b. What is your current weight? (kg) If you crossed YES to any of the above health questions, or are applying for cover in excess of $7,000 per month, you will need to complete a OnePath Personal Statement. To obtain a copy please call us on 1300 130 780 or download one from lucrf.com.au If you crossed NO to all of the above health questions and you are applying for cover of less than $7,000 per month, you will be provided with the cover you have chosen when you receive your letter of confirmation. OnePath Personal Statement (Personal Plan members only) To apply for, or change your insurance cover as a LUCRF Super Personal Plan member, you will also need to complete a OnePath Personal Statement. To obtain a copy, please call us on 1300 130 780 or download one from lucrf.com.au Woolworths NSW Member Income Protection Form Page 4 of 5

Step 5 Sign and date this form Duty of disclosure The Trustee who enters into a life insurance contract in respect of your life has a duty, before entering into the contract, to tell the insurer, OnePath Life Limited (Insurer), anything that they know, or could reasonably be expected to know, may affect the Insurer s decision to provide the insurance and on what terms. The Trustee has this duty until the Insurer agrees to provide the insurance. The Trustee has the same duty before they extend, vary or reinstate the contract. The Trustee does not need to tell the Insurer anything that: reduces the risk the Insurer insures you for, or is of common knowledge, or the Insurer knows or should know as an insurer, or the Insurer waives your duty to tell the Insurer about. In order for the Trustee to comply with the duty of disclosure, we require you to tell us (Trustee) and the Insurer anything you know, or could reasonably be expected to know, that may affect the Insurer s decision to insure you and on what terms. If you do not tell the Trustee and Insurer something that you know, or could reasonably be expected to know, may affect the Insurer s decision to provide the insurance and on what terms, this may be treated as a failure by the Trustee entering into the contract to tell the Insurer something that we must tell the Insurer. If you do not tell the Insurer something In exercising the following rights, the Insurer may consider whether different types of cover can constitute separate contracts of life insurance. If they do, the Insurer may apply the following rights separately to each type of cover. If you do not tell the Insurer or Trustee anything you are required to, and the Insurer would not have provided the insurance or entered into the same contract with the Trustee if you had told the Insurer, the Insurer may avoid the contract within three years of entering into it. If the Insurer chooses not to avoid the contract or reduce the amount of insurance provided, the Insurer may, at any time, vary the contract in a way that places the Insurer in the same position it would have been in if you had told the Insurer and the Trustee everything you should have. However, this right does not apply if the contract provides cover on death. If the failure to tell the Insurer is fraudulent, the Insurer may refuse to pay a claim and treat the contract as if it never existed. I declare that: The answers that I have provided to all questions in this application are true and correct. I have read the duty of disclosure and understand the consequences available to OnePath Life if I fail to tell them any matter relevant to its decision to provide insurance. I understand that the duty of disclosure continues after I have completed this application until I am notified in writing that my application for insurance has been accepted. I understand that my insurance will not become effective until OnePath Life has accepted my application for insurance cover in writing. I have read and understood the insurance information contained in the Woolworths NSW Super Member Essentials and the Woolworths NSW Super Member Guide (Product Disclosure Statement). If I give OnePath Life information about someone else, I will inform them of the contents of this authorisation so that they understand how their information may be used and disclosed. I understand that if my application for cover is accepted, insurance cover will be provided to me on the terms contained in the Trustee s insurance policy with OnePath Life as changed from time to time. I have read OnePath Life s Privacy Statement attached detailing how OnePath Life manages personal information. It is also available in the Woolworths NSW Super Member Essentials, at lucrf.com.au or by calling OnePath Life Customer Services on 133 667. It can also be downloaded from onepath.com.au/privacy-policy. I consent to OnePath Life collecting, using, storing and disclosing my personal information (including health information) to assess and process my application, as well as to manage and administer my insurance in accordance with OnePath Life s Privacy Statement. I understand that OnePath Life may require additional information or medical tests to enable assessment of my application and I authorise any medical practitioner or other health professional to release to OnePath Life or any other organisation appointed by OnePath Life any medical information needed in connection with my application. I understand that if I fail to attend any required medical appointments, my application may not be finalised and insurance cover may not be offered by OnePath Life. I acknowledge that if I do not complete the form correctly or I do not sign and date this declaration, my application will not be considered by OnePath Life. Signature Date (dd/mm/yyyy) 7 / / Checklist Before you send this form to us, make sure you have: 3 Answered the health questions honestly 3 Indicated the amount of cover you wish to apply for Send this form to: LUCRF Super PO Box 211 North Melbourne VIC 3051 E mypartner@lucrf.com.au 3 Completed and attached a OnePath Personal Statement (if required) 3 Signed and dated this form If you need any help completing this form, please call us on 1300 130 780 or email mypartner@lucrf.com.au Woolworths NSW Member Income Protection Form Page 5 of 5

OnePath Life Privacy Statement In this section we, us and our refers to OnePath Life Limited and other members of the ANZ Group. You and your refers to policy owners and life insureds. We collect your personal information from you in order to manage and administer our products and services. Without your personal information, we may not be able to process your application or provide you with the products or services you require. We are committed to ensuring the confidentiality and security of your personal information. Our Privacy Policy details how we manage your personal information and is available on request or may be downloaded from onepath.com.au/privacy-policy In order to undertake the management and administration of our products and services, it may be necessary for us to disclose your personal information to certain third parties. Unless you consent to such disclosure we will not be able to consider the information you have provided. Providing your information to others The parties to whom we may routinely disclose your personal information include: an organisation that assists us and/or ANZ to detect and protect against consumer fraud; any related company of ANZ which will use the information for the same purposes as ANZ and will act under ANZ s Privacy Policy; organisations performing administration and/or compliance functions in relation to the products and services we provide; organisations providing medical or other services for the purpose of the assessment of any insurance claim you make with us (such as reinsurers); our solicitors or legal representatives; organisations maintaining our information technology systems; organisations providing mailing and printing services; persons who act on your behalf (such as your agent or financial adviser); the policy owner; regulatory bodies, government agencies, law enforcement bodies and courts. We will also disclose your personal information in circumstances where we are required by law to do so. Examples of such laws are: The Family Law Act 1975 (Cth) enables certain persons to request information about your interest in a superannuation fund; The Anti-Money Laundering and Counter-Terrorism Financing Act 2006 contains disclosure obligations to third parties. Information required by law ANZ may be required by relevant laws to collect certain information from you. Details of these laws and why they require us to collect this information are contained in our Privacy Policy at onepath.com.au/privacy-policy Life risk sensitive information For life risk products, where applicable, we may collect health information with your consent. Your health information will only be disclosed to service providers or organisations providing medical or other services for the purpose of underwriting, assessing the application or assessing any claim. Privacy consent Where you wish to authorise any other parties to act on your behalf, to receive information and/or undertake transactions please notify us in writing. If you give us or ANZ personal information about someone else, please show them a copy of this document so that they may understand the manner in which their personal information may be used or disclosed by us or ANZ in connection with your dealings with us or ANZ. Privacy Policy Our Privacy Policy contains information about: when we or ANZ may collect information from a third party; how you may access and seek correction of the personal information we hold about you; and how you can raise concerns that we or ANZ has breached the Privacy Act or an applicable code and how we and/or ANZ will deal with those matters. You can contact us about your information or any other privacy matter as follows: In writing: GPO Box 75, Sydney NSW 2001 Email: privacy@onepath.com.au We may charge you a reasonable fee for this. If any of your personal information is incorrect or has changed, please let us know by contacting Customer Services on 133 667. More information can be found in our Privacy Policy onepath.com.au/privacy-policy Privacy law changes from 12 March 2014 From 12 March 2014, we and the ANZ Group must provide you with the following information about overseas recipients of personal information. Overseas recipients We or ANZ may disclose information to recipients (including service providers and related companies) which are (1) located outside Australia and/or (2) not established in or do not carry on business in Australia. You can find details about the location of these recipients in ANZ s Privacy Policy at anz.com/privacy. Contact us 1300 130 780 lucrf.com.au