The following changes to the premium rates and terms and conditions of your plan's insurance cover apply from 1 July 2012.

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1 MERCER SMARTSUPER PLAN CEANET PTY LIMITED NAQ TECHNOLOGY LIMITED TRAVEL INDUSTRIES AUTOMATED SYSTEMS (TIAS TECH. PTY. LIMITED) ACTIONQUOTE HOLDINGS PTY LTD INLOGIK PTY LIMITED SDG TECHNOLOGY PTY LIMITED PLAN-SPECIFIC INFORMATION JULY 2012 This flyer details the changes for the insurance arrangements and performance based fees that specifically apply to your plan in the Mercer Super Trust. This flyer includes the following tables which set out: 1. your Plan Insurance Features Checklist so you can see which new features do and don t apply for your plan; 2. the Changes to Premium Rates that apply to your plan; 3. your Investment Options and Estimated Management Costs that apply from 1 October This flyer should be read together with the Mercer Super Trust July 2012 Member Update for the Corporate Superannuation Division and the July 2012 Insurance Terms and Conditions for the Corporate Superannuation Division brochure enclosed with this flyer. 1. INSURANCE CHANGES The following changes to the premium rates and terms and conditions of your plan's insurance cover apply from 1 July CHANGES TO PREMIUM RATES The premium rates for: Death and Total and Permanent Disablement (TPD) cover Additional Voluntary Death and TPD cover Voluntary Death cover will decrease from 1 July The Changes to Premium Rates table details the current and new premium rates that will apply for the insurance cover available within your plan. Please refer to: the Product Disclosure Statement or Member Kit you received when you joined the plan together with any other member materials you have received for details of the type (and amount) of insurance cover you are eligible, or can apply, for; your latest member statement for details of the type and amount of insurance cover you have under your plan. If you are unsure about your eligibility (or the amount of insurance cover available to you), please call the Helpline on SS030

2 1.2 CHANGES TO INSURANCE TERMS AND CONDITIONS Your Plan s Insurance Features Checklist details the features and terms and conditions that will apply for the insurance cover available within your plan. This should be read in conjunction with the Insurance Terms and Conditions brochure enclosed with this flyer. Please refer to: the Product Disclosure Statement or Member Kit you received when you joined the plan together with any other member materials you have received for details of the type (and amount) of insurance cover you are eligible, or can apply, for; your latest member statement for details of the type and amount of insurance cover you have under your plan. If you are unsure about your eligibility (or the amount of insurance cover available to you), please call the Helpline on CHANGES TO PERFORMANCE BASED FEES There have been no changes to the investment options available to you. However, the estimated performance fee range (and as a consequence the estimated management costs) that apply to some of the investment options will increase from 1 October In addition the way performance fee ranges will apply to the investment options will also change. Under the current arrangements, the ranges have a set upper limit which generally cannot be exceeded. However, from 1 October 2012, the ranges will have a soft upper limit. This means that the performance fees can exceed the estimated ranges although this is not expected to occur more than one in every five years. You will be advised of the performance based fees charged in your plan s annual report. The table titled Investment Options and Estimated Management Costs lists details of investment options available to you through your plan together with the estimated management costs applicable to each of those investment options as at 1 October This flyer has been issued by Mercer Superannuation (Australia) Limited (MSAL) ABN , Australian Financial Services Licence #235906, the trustee of the Mercer Super Trust ABN MERCER is a registered trademark of Mercer (Australia) Pty Ltd (Mercer) ABN Any advice contained in this flyer is of a general nature only, and does not take into account the personal needs and circumstances of any particular individual. Prior to acting on any information contained in this flyer, you need to take into account your own financial circumstances, consider the Product Disclosure Statement for your plan or any other funds you are considering and seek professional advice from a licensed, or appropriately authorised, financial adviser if you are unsure of what action to take. The value of an investment in the Mercer Super Trust may rise and fall from time to time. Neither MSAL nor Mercer guarantees the investment performance, earnings or return of capital invested in the Mercer Super Trust. The information contained in this flyer is only applicable to the members of the plan named within it Mercer LLC. All rights reserved.

3 YOUR PLAN S INSURANCE FEATURES CHECKLIST How to use this checklist: This checklist provides an overview of all the insurance features available in your plan. It should be read in conjunction with the enclosed July 2012 Insurance Terms and Conditions for the Corporate Superannuation Division brochure and the July 2012 Member Update for the Corporate Superannuation Division. It shows the Features on the left. The categories in your plan are listed in the central column(s). Looking down the Categories column that applies to you, you will find either a Y (yes) or N (no) against each feature. If there is an N in your Category column you will find an explanation in the Comments column on the right which provides more information. Features Death and Total and Permanent Disablement (TPD) Categories Comments (if N) This column provides an explanation if your plan category does not have a feature. Category Code: ALL Category Code: CAS All Casuals TPD definitions (updated) Y Y Life events cover (new!) Y N (CAS) Your category does not have access to Life events cover. TPD tapering (updated) Y Y Terminal illness advanced payment of death benefit (updated) Y Y Maximum benefit amounts (updated) Y Y Automatic Acceptance Limits (AAL) (updated) Y N (CAS) Your category does not have access to the High Value AAL. One Shot Underwriting (new!) Y N (CAS) Your category does not have access to One Shot Underwriting. Interim cover (updated) Y Y Maximum interim cover limits (updated) Y Y Cover while on leave without pay Y N (CAS) This does not apply to your category. Cover while working overseas Y Y Extended cover Y Y Cover terms for contractors (updated) Y N (CAS) This does not apply to your category. TPD waiting period (updated) Y Y Additional Voluntary or Voluntary TPD cover (new!) N Y (ALL) There are no changes to the additional voluntary or voluntary cover offered to your category. IMPORTANT INFORMATION: Mercer Outsourcing (Australia) Pty Ltd ABN Australian Financial Services Licence # receives 11.55% inclusive of GST (10.5% net of GST) of the premiums charged by the insurer as a fee for administering your plan's insurance arrangements, including underwriting and claims processing. This fee is paid by the insurer and is built into the premiums charged in respect of you.

4 CHANGES TO PREMIUM RATES FROM 1 JULY 2012 DEATH AND TOTAL AND PERMANENT DISABLEMENT (TPD) PREMIUM RATES BASIC AND ADDITIONAL VOLUNTARY / VOLUNTARY COVER Age next birthday Premium rates which apply up to 30 June 2012 Premium rates which apply from 1 July 2012 Annual premium for $1,000 of death cover only $ Annual premium for $1,000 of death and TPD cover $ Annual premium for $1,000 of death cover only $ Annual premium for $1,000 of death and TPD cover $ For details of eligibility criteria pertaining to insurance cover please refer to your plan's Product Disclosure Statement or Member Kit and any other member materials you have received. If you have any queries regarding your eligibility for cover, please contact the Mercer Super Trust Helpline on

5 INVESTMENT OPTIONS AND ESTIMATED MANAGEMENT COSTS FROM 1 OCTOBER 2012 This table below sets out the range of investment options available to you through your plan in the Mercer Super Trust as at 1 October Also shown are the estimated management costs (excluding member fees), together with a breakdown of the investment management fee, administration fee and, where applicable, an estimated performance fee range and expense allowance range for each investment option. Please refer to your plan's Product Disclosure Statement or Member Kit and any other member materials you have received for details of how these fees affect your super. Select-your-Own Ready-made Mercer Plus Mercer Sector Mercer Target Mercer Socially Resp. Indexed Non Mercer Notes: Investment option Investment management fee (% pa) Estimated Performance fee range (% pa)~ Expense allowance range (% pa) Administration fee (% pa of super account balance) First $250,000 Balance over $250,000 Estimated management costs (excluding member fee) (% pa of super account balance) First $250,000 Balance over $250,000 Mercer Shares Mercer High Growth Mercer Growth Mercer Moderate Growth Mercer Conservative Growth Mercer Cash 0.47 Nil Mercer Shares Plus^ Mercer High Growth Plus^ Mercer Growth Plus^ Mercer Australian Shares Plus^ Mercer Overseas Shares Plus (Unhedged)^ Mercer Income Plus^ Mercer Australian Shares Mercer Australian Core Shares^ Mercer Australian Growth Shares^ Mercer Australian Value Shares^ Mercer Australian Small Companies^ Mercer Overseas Shares (Unhedged) Mercer Hedged Overseas Shares^ Mercer Overseas Core Shares^ Mercer Overseas Growth Shares^ Mercer Overseas Value Shares^ Mercer Overseas Small Companies^ Mercer Emerging Markets^ Mercer Property Mercer Direct Property^ Mercer Australian Listed Property^ Mercer Overseas Listed Property^ Mercer Fixed Interest Mercer Australian Fixed Interest^ Mercer Overseas Fixed Interest^ Mercer Diversified Alternatives^ Mercer Target 2015^* 0.76* * * Mercer Target 2025^* 0.80* * * Mercer Target 2035^* 0.84* * * Mercer Target 2045^* 0.87* * * Mercer Socially Responsible Shares Mercer Socially Responsible Growth Indexed Shares 0.57 Nil Indexed Australian Shares 0.57 Nil Indexed Overseas Shares 0.57 Nil Indexed Growth 0.57 Nil Indexed Conservative Growth 0.57 Nil Non Mercer Growth Multi Manager Style 1.20 Nil Non Mercer Balanced Multi Manager Style 1.17 Nil Non Mercer Balanced Core Style 0.82 Nil Non Mercer Balanced Value Style 0.78 Nil Non Mercer Conservative 0.72 Nil ^ The combined maximum investment management fee, performance fee, expense allowance and administration fee shall not exceed 4% per annum for these investment options. ~ Performance fees may exceed the estimated ranges shown, however, this is not expected to occur more than one year out of every five years. The performance fee ranges shown are effective from 1 October A lower range applies for some investment options until that date. For details of the ranges applicable until 1 October 2012 please call the Helpline. * As these investment options approach their target year (eg 2015 for the Mercer Target 2015 investment option) the estimated management costs will trend downwards to those which apply for the Mercer Moderate Growth investment option (MMG). Once a Mercer Target investment option has reached or passed its target year the estimated management costs will be the same as those which apply for MMG at that time.

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