Monthly Investment Performance

Monthly Investment Performance as at 30 June 2016 Contents Product Page Information about your investment performance 2 Investment Linked Ordinary Plans 3 AMP Investment Linked Plan (ULA and ULJ) AMP Investment Linked Children s Plan (ULN) AMP Personal Investment Plan (ULEJ) AMP Children s Investment Plan (ULEN) AMP Personal Achiever (ULTJ) AMP Children s Investment Linked Insurance Bond (ULNSP) AMP Investment Linked Insurance Bond (ULASP) AMP Investment Linked Insurance Bond (no entry fee) (ULAN) AMP Children s Portfolio Plan (ULC) Investment Linked Superannuation Plans 4 AMP Investment Linked Personal Superannuation Plan (ULS) AMP Investment Linked Superannuation Plan (ULA) AMP Investment Linked Personal Superannuation Bond (ULASP) AMP Investment Linked Superannuation Plan (ULJ) AMP Personal Superannuation Plan (ULES) AMP Super Rollover Plan Personal Superannuation Bond (ULAR) AMP MultiFund Superannuation Bond (ULMB and ULMBN) AMP MultiFund Trustee Bond (ULMT) Investment Linked Deferred Annuities/Term Pensions/Allocated Pensions 5 AMP Investment Linked Deferred Annuity (ULK) AMP Investment Linked Deferred Annuity (no entry fee) (ULKN) AMP Super Rollover Plan Investment Linked Deferred Annuity (ULKR) AMP MultiFund Rollover Deferred Annuity (ULMD and ULMDN) AMP MultiFund Flexible Income Plan (ULMA and ULMAN) AMP Flexible Income Plan (ULKP) AMP Life Limited ABN 84 079 300 379, ASFL No. 233671

Information about your investment performance Past performance should not be taken as a indication of future performance Returns are calculated from historical crediting rates declared or changes in investment unit prices over the period shown. Returns are after fees, costs and investment earning tax included in the unit price or crediting rate declared (rebates are excluded). They assume a sum of money invested at the beginning of the time period and not drawn upon or added to throughout that period. The actual rate of return of your account will vary from those shown depending on individual plan features such as direct fees and taxes you may have to pay and the timing of contributions, switches and withdrawals. The investment earnings of superannuation and non-superannuation products are subject to different rates of tax which affect the returns. You should exercise caution in making judgement about the quality of a superannuation fund (superannuation investment option) or investment option based on this past performance. Past performance is not indicative of future performance. Any number of factors can cause performance comparisons to be inaccurate, including: Asset allocations The strongest explanation of performance differences between investment options is the amount allocated to different classes (the asset allocation ). Different asset allocations arise between investment options in order to achieve their investment objective. Each type of asset allocation has a different level of risk. Typically, growth assets can be more volatile for example, Australian Equities tend to be more volatile than Australian Bonds. Pricing policies The methodology used to assess the value of the underlying investments of the investment option, and how often any returns are applied to your account. Sometimes pricing and/or allocation of returns can cause performance to be distorted over time (ie not reflect the actual price you would receive if the underlying assets were sold on that day), which can mean inequities between members returns. Timing of your contributions Your returns may differ substantially to those shown, due to the timing of your contribution. This is due to the timing and amount of any deductions or switches from your account including any fees not incorporated into the unit price. Another thing to consider when comparing performance is your ability to access superannuation when you want it. The frequency that the provider allows redemptions, the amount of the redemption that they can suspend or freeze, which is often impacted by the amount allocated to underlying assets which are not easily sold, and any fees or costs associated with redeeming the investment. You can find out more about our approach to these items and how they impact on the return in your investment option at amp.com.au. Disclaimer: The superannuation products mentioned in this document were issued by AMP Superannuation Limited, Australian Business Number (ABN) 31 008 414 104, Australian Financial Services (AFS) No. 233060 as Trustee of the AMP Superannuation Savings Trust (the Fund ) and the ordinary products mentioned in this document were issued by AMP Life Limited, ABN 84 079 300 379, AFS Licence Number 233671. Other than AMP Superannuation Limited and AMP Life Limited, no other company in the AMP Group or any of the investment managers of the investment option is responsible for any statements or representations made in this report. No other company in the AMP Group or any of the investment managers of the investment options guarantees the performance of AMP Superannuation Limited or AMP Life Limited s obligation to members/policy holders nor assumes any liability to members/policy holders in connection with these products. None of the AMP Superannuation Limited or AMP Life Limited, any other company in the AMP Group or any of the investment managers of the investment options guarantees the performance of the Fund/Product, the investment options or any particular rate of return. The repayment of capital is not guaranteed, unless expressly stated. Investments in these products are not bank deposits with AMP Superannuation Limited or AMP Life Limited or any other company in the AMP Group. Any advice contained in this report is of a general nature and is not based on your personal objectives, financial situation and needs. Accordingly you should consider how appropriate the advice (if any) is to those objectives, financial situation and needs before making any investment decision based on the information contained in this report. Any advice given is provided by AMP Life Limited. AMP Life Limited is part of the AMP Group of companies. AMP companies receive fees and other benefits, which will be a dollar amount or a percentage of either the premium you pay or the value of your investment. AMP Employees and directors receive salaries, bonuses and other benefits from the AMP Group. AMP Life Limited ABN 49 079 354 519, AFSL No. 233671

Investment option Investment Linked - Ordinary Plans 1 mth AMP Investment Linked Plan (ULA and ULJ) AMP Investment Linked Children's Plan (ULN) AMP Personal Investment Plan (ULEJ) AMP Children's Investment Plan (ULEN) AMP Australian Property 2.58 6.77 10.92 16.43 11.55 10.62 2.08 AMP Australian Share -1.83 2.14-0.79-0.97 4.63 4.47 2.95 AMP Capital Guaranteed Fixed Interest 0.01 0.09 0.16 0.22 0.44 0.91 1.63 AMP International Share -3.20 2.21-2.40-1.28 10.99 9.67 2.31 AMP Personal Achiever (ULTJ) AMP Australian Share -1.85 2.08-0.91-1.22 4.37 4.21 2.70 AMP Balanced Growth -0.65 1.94 0.52 0.37 5.62 5.30 2.72 AMP Cash Based -0.04-0.02-0.05-0.18 0.07 0.52 1.29 AMP Diversified Share -1.49 1.73-0.80-2.11 5.84 5.31 2.20 AMP International Share -3.21 2.20-2.42-1.33 10.93 9.62 2.25 AMP Moderate Growth -0.41 1.73 0.83 1.27 4.88 4.84 2.77 AMP Children's Investment Linked Insurance Bond (ULNSP) AMP Investment Linked Insurance Bond (ULASP) AMP Investment Linked Insurance Bond (no entry fee) (ULAN) AMP Australian Share -1.83 2.14-0.79-0.97 4.63 4.47 2.95 AMP Capital Guaranteed Fixed Interest 0.01 0.09 0.16 0.22 0.44 0.91 1.63 AMP International Share -3.20 2.21-2.40-1.28 10.99 9.67 2.31 AMP Children's Portfolio Plan (ULC) Portfolio Plan -0.53 2.27 1.15 1.66 6.97 6.64 4.03 1

1 mth Investment option Investment Linked - Superannuation Plans AMP Investment Linked Personal Superannuation Plan (ULS) AMP Investment Linked Superannuation Plan (ULA) AMP Investment Linked Personal Superannuation Bond (ULASP) AMP Capital Guaranteed Fixed Interest 0.03 0.19 0.36 0.60 0.86 1.43 2.33 AMP Direct Property 1.29 2.19 3.13 8.10 6.26 6.24 5.60 AMP Investment Linked Superannuation Plan (ULJ) AMP Cash Based 0.01 0.18 0.34-0.53 0.80 1.76 AMP Personal Superannuation Plan (ULES) AMP Super Rollover Plan Personal Superannuation Bond (ULAR) Superannuation Rollover - Short Dated Fixed Interest 0.01 0.22 0.39 0.61 0.85 1.41 2.43 AMP MultiFund Superannuation Bond (ULMB and ULMBN) AMP Australian Bond 1 0.97 2.23 3.43 3.67 3.25 4.08 3.83 AMP Australian Share -2.86 2.89-2.75-1.90 6.01 6.12 3.92 AMP Moderate Growth -0.69 2.15 0.31 0.99 5.81 6.00 3.78 Macquarie Australian Enhanced Equities -2.14 3.19 0.64 0.45 5.99 5.48 3.47 AMP MultiFund Trustee Bond (ULMT) AMP Australian Bond 0.97 2.23 3.43 3.67 3.25 4.08 3.83 AMP Australian Property 1.04 6.58 9.09-10.37 5.72 4.20 AMP High Growth -1.61 2.53-1.66 - -2.18 8.00 7.49 Macquarie Australian Enhanced Equities -2.14 3.19 0.64 0.45 5.99 5.48 3.47 Portfolio Plan -1.08 2.92 0.01 1.12 8.95 8.69 4.85 1. Only applicable to ULMBN 1

1 mth Investment option Investment Linked Deferred Annuities/Term Pensions/Allocated Pensions AMP Investment Linked Deferred Annuity (ULK) AMP Investment Linked Deferred Annuity (no entry fee) (ULKN) AMP Capital Guaranteed Fixed Interest 0.03 0.19 0.36 0.60 0.86 1.43 2.33 AMP Direct Property 1.29 2.19 3.13 8.10 6.26 6.24 5.60 AMP Super Rollover Plan Investment Linked Deferred Annuity (ULKR) Superannuation Rollover - Short Dated Fixed Interest 0.01 0.22 0.39 0.61 0.85 1.41 2.43 AMP MultiFund Rollover Deferred Annuity (ULMD and ULMDN) AMP Australian Bond 0.97 2.23 3.43 3.67 3.25 4.08 3.83 AMP Australian Share -2.86 2.89-2.75-1.90 6.01 6.12 3.92 AMP Moderate Growth -0.69 2.15 0.31 0.99 5.81 6.00 3.78 Macquarie Australian Enhanced Equities 2-2.14 3.19 0.64 0.45 5.99 5.48 3.47 AMP MultiFund Flexible Income Plan (ULMA & ULMAN) AMP All Growth -2.30 2.98-1.85-3.19 8.66 8.27 3.59 AMP Australian Bond 1.16 2.68 4.14 4.65 4.43 5.43 5.38 Australian Share Index -2.47 3.81 1.03 0.32 7.05 6.77 4.54 AMP Australian Share -2.90 3.36-2.23-2.04 6.75 6.91 4.85 AMP Balanced Growth -1.03 2.93-0.29-0.35 8.03 8.09 4.44 AMP Cash 0.03 0.21 0.38 0.62 0.92 1.57 2.66 AMP Conservative -0.10 2.04 1.50 2.31 5.17 5.74 4.26 AMP High Growth -1.53 3.03-0.87-1.51 8.97 8.64 3.98 AMP International Bond 2 1.66 2.08 4.77 4.91 4.56 4.76 4.62 AMP International Share 2-3.87 2.91-2.82-1.12 14.31 13.61 2.67 International Share Index -3.75 3.20-2.55-1.49 12.43 12.60 2.89 AMP Listed Property Trusts 3.38 9.12 15.23 22.37 15.92 15.64 1.17 AMP Moderate Growth -0.58 2.46 0.98 1.56 6.64 7.11 4.67 AMP Secure Growth 3-5.45-5.58 5.70 3.91 4.21 Ironbark Karara Australian Share -2.77 4.72 1.63-3.43 4.75 6.11 4.64 Macquarie Income Opportunities -0.35 0.87 0.37-1.68 2.69 3.96 1.63 Alphinity Australian Share -2.55 2.55-1.84-0.83 5.90 7.54 5.18 BlackRock Global Bond 1.34 2.14 4.62 6.10 5.51 5.75 5.48 BlackRock Income 2-0.35 0.87 0.37-1.68 2.69 3.96 1.63 BlackRock Scientific Hedged International Share -1.58-0.06-3.93-7.92 8.54 9.17 3.69 Goldman Sachs Australian Equities 2,4-4.23 2.29-1.40 0.62 8.17 7.80 4.94 Specialist Australian Share -2.83 3.97-0.18-1.03 6.35 6.67 4.68 Future Directions Australian Bond 1.14 2.46 4.12 5.66 4.03 4.63 4.68 Future Directions Balanced -1.26 1.90-0.21 0.58 7.76 7.69 3.80 Future Directions Conservative -0.21 1.47 0.99 1.70 4.81 5.17 3.60 Future Directions Growth -1.95 1.95-1.17-0.51 8.46 8.34 3.87 Future Directions High Growth -2.42 2.10-1.56-0.91 8.60 8.47 3.49 Future Directions International Bond 1.64 2.01 4.63 4.61 4.28 4.52 4.54 Specialist International Share -3.88 2.81-3.10-1.58 12.80 12.23 2.24 Future Directions Moderately Conservative -0.90 1.61 0.29 1.03 5.97 6.17 3.63 Specialist Property and Infrastructure 2.45 3.39 5.11 4.93 10.49 9.61 3.20 GMO International Share 2-0.25-0.64-1.28-49.74-10.51-2.20-4.64 Zurich American Century Global Growth -6.07 2.68-6.30-4.13 9.97 9.89 2.83 Australian Share Index 2,4-0.24-0.61-1.22-86.60-45.28-28.77-14.79 Perennial Value Australian Share -3.18 2.65-1.28-3.19 7.55 6.46 4.84 Schroder Australian Equities -3.04 3.01 0.08-6.67 3.04 5.05 4.59 Schroder Global Active Value -3.62 2.96-1.64-5.10 9.93 9.60-1.44 AMP Flexible Income Plan (ULKP) AMP Balanced Growth -1.09 3.30 0.05 0.54 8.57 8.37 4.34 AMP Capital Guaranteed Fixed Interest 0.04 0.23 0.43 0.72 1.04 1.72 2.79 AMP Conservative -0.10 2.06 1.55 2.41 5.23 5.82 4.36 1. We are required to provide the date that investment option came into operation and the returns from that date. The returns from inception are provided only where the investment option has been operating less than 2. Closed to new investors. 3. Closed to new and existing investors - no switches, contributions or redistributions allowed. May also experience significant delays in processing any withdrawal requests. 4. The 5-year returns of this investment option may understate the investment performance by up to 1.5. The investment performance may be understated because in valuing assets for unit pricing purposes, the provisions AMP made for tax on investment income and capital gains (including the effects of imputation credits and deferred tax on unrealised gains was overstated. 1