Rollover & Superannuation Fund

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1 Rollover & Superauatio Fud A fud that allows you to build your savigs for retiremet i a tax effective eviromet. Product Disclosure Statemet This is a combied Fiacial Services Guide ad Product Disclosure Statemet Dated 23 November 2009 Ivestmets i the Rollover & Superauatio Fud SPIN FSF0172AU are offered from the Coloial First State Rollover & Superauatio Fud ABN by Coloial First State Ivestmets Limited ABN AFS Licece

2 This is a combied Fiacial Services Guide (FSG) ad Product Disclosure Statemet (PDS) for the Coloial First State Rollover & Superauatio Fud. The ame ad cotact details of the trustee are: Coloial First State Ivestmets Limited Level 29, 52 Marti Place Sydey NSW 2000 Telephoe: Facsimile: (02) cotactus@coloialfirststate.com.au Ivestmets i the Rollover & Superauatio Fud (referred to i this PDS idividually as the optio or collectively as the fud ) are offered from the Coloial First State Rollover & Superauatio Fud ABN by Coloial First State Ivestmets Limited ABN AFS Licece Coloial First State or its licesed related etities to which it has delegated ivestmet maagemet or admiistratio fuctios i relatio to this product are referred to i this PDS as Coloial First State, the trustee, we, our or us. The Rollover & Superauatio Fud is a residet regulated superauatio fud withi the meaig of the Superauatio Idustry (Supervisio) Act 1993 ad is ot subject to a directio ot to accept cotributios. The trustee may chage ay of the terms ad coditios i the PDS with, i the case of material chages, 30 days otice to ivestors. Coloial First State is a subsidiary of the Commowealth Bak of Australia ( the Bak ) ABN The Bak, its subsidiaries ad Welligto Maagemet Compay, llp do ot guaratee the performace of the optios or the repaymet of capital by the optios. Ivestmets i the optios are ot deposits or other liabilities of the Bak or its subsidiaries ad ivestmet-type products are subject to ivestmet risk icludig loss of icome ad capital ivested. However, the trustee has the beefit of a guaratee (i a approved form) limited to $5 millio from the Bak i respect of the due performace of its duties as a Registered Superauatio Licesee. The Bak is the ultimate holdig compay of the trustee. The guaratee is available for ispectio by cotactig the Compay Secretary of the trustee. Coloial First State reserves the right to outsource ay or all of its ivestmet maagemet fuctios, icludig to related parties, without otice to ivestors. The issue of this PDS is authorised solely by Coloial First State Ivestmets Limited. Apart from Coloial First State either the Bak or ay of its subsidiaries are resposible for ay statemet or iformatio cotaied i this PDS. Coloial First State has appoited Welligto Maagemet Compay, llp (referred to i this PDS as Welligto Maagemet ) as the ivestmet maager of the Coloial First State Global Health & Biotechology optio ad the Coloial First State Global Techology & Commuicatios optio. A ivestmet maagemet agreemet betwee Coloial First State ad Welligto Maagemet sets out the terms ad coditios uder which Welligto Maagemet will maage these optios. Welligto Maagemet has give, ad ot withdraw, its coset to be refereced i this PDS. Welligto Maagemet is actig as the ivestmet maager oly. It is ot buyig, sellig, guarateeig or performig ay other fuctio i relatio to this product. The isurace provider is The Coloial Mutual Life Assurace Society Limited ABN AFS Licece ( CommIsure or the isurer ). The isurace cover is provided uder a policy issued to the trustee by CommIsure ( Policy ). This Policy commeced o 26 November You ca oly apply for isurace cover by completig the isurace applicatio form attached to the PDS. CommIsure will ot make a paymet uder ay Policy if the paymet would cause CommIsure to be i breach of the Health Act 1973 (Cth) ad/or the Natioal Health Act 1953 (Cth). The trustee ad the isurer are wholly owed subsidiaries of the Bak. The Bak does ot guaratee the obligatios or performace of its subsidiaries or the products they offer. Isurace products of CommIsure are ot deposits or liabilities of the Bak. If you are pritig a electroic copy of this PDS, you must prit all pages icludig the applicatio forms. If you make this PDS available to aother perso, you must give them the etire electroic file or pritout, icludig the applicatio forms. A paper copy of this PDS (ad ay supplemetary documets) ca also be obtaied free of charge o request by callig Ivestor Services o or by cotactig your fiacial adviser. A superauatio iterest i the fud caot be issued uless you use the applicatio form attached to either a paper or electroic copy of this PDS. The offer made i this PDS is available oly to persos receivig this PDS withi Australia. The iformatio cotaied i this PDS is geeral iformatio oly ad does ot take ito accout your idividual objectives, fiacial situatio or eeds. You should read this PDS carefully ad assess whether the iformatio is appropriate for you ad cosider talkig to a fiacial adviser before makig a ivestmet decisio. All moetary amouts referred to i this PDS are, uless specifically idetified to the cotrary, refereces to Australia dollars. FirstNet ad FirstLik are trademarks of Coloial First State Ivestmets Limited.

3 Coloial First State Rollover & Superauatio Fud 1 Cotets Sectio 1 Itroductio This sectio provides some importat iformatio about the Rollover & Superauatio Fud, icludig the beefits ad features of the fud FSG Ivestmets ad risk Outlies our ivestmet priciples ad details the geeral risks associated with the product. Further details o each optio s ivestmet objective, strategy ad key features are also outlied i this sectio. Fees ad other costs Details ad descriptios of the sigificat fees of the product, what is paid to your fiacial adviser ad importat additioal iformatio about the fees ad costs of the product. Accout maagemet Provides iformatio o establishig ad trasactig o your accout ad how you ca access iformatio about your ivestmet. Superauatio ad isurace Provides additioal details about the ature of superauatio icludig who ca cotribute, types of cotributios you ca make, bidig death omiatios ad superauatio tax ad regulatory iformatio. Also icludes details about applyig for isurace with your ivestmet. Other iformatio you eed to kow Additioal iformatio o trasactios ad uit pricig, ivestmets, regulatory details ad terms ad coditios of the product. Applicatio form checklist ad forms Icludes forms (icludig isurace applicatio forms) required by you to make a ivestmet i the fud as well as some iformatio to assist you i the completio of each form. Fiacial Services Guide The services we ca offer you ad the types of products we offer are explaied. Also, details are icluded of how we (ad other relevat persos) are remuerated for these services. Page

4 2 Coloial First State Rollover & Superauatio Fud 1 The Rollover & Superauatio Fud The Coloial First State Rollover & Superauatio Fud is a superauatio fud that allows you to build your savigs for retiremet i a tax-effective eviromet. What is a rollover ad superauatio fud? A rollover ad superauatio fud allows you to build your super i a tax-effective eviromet. The fud ca accept a variety of cotributios icludig rollovers, employer cotributios, persoal cotributios ad spouse cotributios. Whe you ivest i the Coloial First State Rollover & Superauatio Fud, you are allocated a umber of uits based o the etry uit price at the time you ivest. Your uits represet the value of your ivestmet, which will chage over time as the market value of the assets i the optio rises or falls. Why ivest i the Coloial First State Rollover & Superauatio Fud? Our fud suits people who desire a tax-effective ivestmet with a wide choice of professioally maaged ivestmet optios, plus cost-effective isurace. It is a ideal vehicle to cosolidate your super as it ca accept cotributios from most sources, thereby miimisig fees ad charges. Coloial First State Rollover & Superauatio Fud Professioal ivestmet maagemet Our ivestmet professioals are amog the leaders i their field, who follow a disciplied ivestmet process usig a combiatio of ivestmet experiece, expertise ad sophisticated research. Tax cocessios Fud earigs are taxed at a maximum rate of 15%, which is much lower tha most people s margial tax rate. This eables you to save tax-effectively for your retiremet. Cost-effective isurace Premiums are paid from your super balace, which meas it ca be tax-effective, while helpig to provide you ad your family with fiacial security. Cosolidatio Competitive fees Award-wiig service Our fud makes cosolidatig your super easy, which ca save you moey o fees ad charges. Our ogoig maagemet costs are competitive, simple ad easy to uderstad. We are committed to deliverig to you the superior cliet service ad admiistratio which has bee recogised through may idustry awards.

5 Coloial First State Rollover & Superauatio Fud 3 Fud features 1 This page summarises some importat iformatio about the Rollover & Superauatio Fud. Miimums The miimum iitial ivestmet 1 is $1,500 The miimum accout balace is $1,500 There is o miimum additioal ivestmet amout The miimum regular ivestmet pla (mothly) is $100 There is o miimum switch amout There is o miimum withdrawal amout 2 Further iformatio is outlied i the sectio Establishig ad trasactig o your accout o pages 17 to 19. Ivestmet optios (choice of 13 optios) Multi-sector Australia shares Global shares Property Coservative Balaced Diversified High Growth Australia Share Geared Share Global Share Global Resources Global Health & Biotechology Global Techology & Commuicatios Geared Global Share Property Securities Fees Curret cotributio fee Up to 4% Curret maagemet costs 1.15% to 2.31% pa (for all optios other tha geared) 2.75% to 3.29% pa (for geared optios) Trasactio costs ( buy/sell spread) 0% to 0.50% (varies by optio) Adviser service fee Agreed betwee you ad your fiacial adviser Further iformatio is outlied i the sectio Fees ad other costs o pages 13 to 16. Isurace (refer to page 25) You ca choose from Death oly cover, or Death ad Total ad Permaet Disablemet cover Coolig-off A 14-day coolig-off period may apply to your ivestmet (refer to page 36). Complaits resolutio We have a complait hadlig process i place (refer to page 36). Cash Capital Secure All fees disclosed iclude the et effect of GST, except for the adviser service fee, which is iclusive of GST. We ca chage fees at ay time at our discretio. If the chage is a icrease i fees, we will give you 30 days prior writte otice. Pages 13 to 16 outlie all fees that apply to each optio. Please read this iformatio carefully before ivestig. 1 We may accept amouts less tha the miimum, at our discretio, if we are satisfied the miimum balace will be reached withi a reasoable timeframe. 2 Subject to miimum accout balace requiremets.

6 4 Coloial First State Rollover & Superauatio Fud 2 Our ivestmet priciples At Coloial First State, we aim to create wealth by applyig a active ad disciplied approach to maagig moey. Our robust ivestmet processes are implemeted by ivestmet professioals of the highest calibre. Active maagemet approach Market idices, or bechmarks as they are ofte called, reflect the performace of all ivestmets makig up that idex. We believe the dyamic ature of ivestmet markets eables us to add value i the markets we operate i, ad as such we seek to achieve ivestmet returs above those of the relevat market idices for the active fuds we maage. Disciplied methodology We maage portfolios across a rage of differet ivestmet styles. I each case we believe our role is ot to avoid risk, but rather to uderstad the relatioship betwee risk ad reward ad to maage risk appropriately, relative to the objectives of the portfolio. We select ivestmets ad costruct our portfolios i a disciplied maer, with a emphasis o idetifyig ad cotrollig risk. We avoid speculatio ad our processes are desiged to esure our portfolios are appropriately diversified. Quality people Coloial First State is regarded as oe of Australia s largest ad most reputable ivestmet maagers. As a result, we are able to attract ad retai the highest quality people. Our busiess has bee built o people who exercise good judgemet ad are ackowledged as leaders i their respective fields of expertise. We may outsource or delegate some or all of the ivestmet maagemet of the ivestmet optios to a related etity or a third party. If we outsource to a third party, a exteral search process is udertake to esure we select maagers of the highest quality. Our optios We offer a rage of optios to help you save for your retiremet. You ca choose from a wide rage of optios that ivest i differet asset classes icludig: Australia shares global shares property fixed iterest cash. We also offer a rage of multi-sector optios which allow you to spread your moey across a umber of asset classes i the oe optio. A full list of the optios available is show o page 3.

7 Coloial First State Rollover & Superauatio Fud 5 Uderstadig ivestmet risk 2 Uderstadig ivestmet risk is the key to successfully developig your ivestmet strategy. What is risk? Before you cosider your ivestmet strategy, it is importat that you uderstad the risks that ca affect your ivestmet. All ivestmets are subject to risk. This meas that you ca lose moey o your ivestmets or that they may ot meet your objectives, such as growth i the value of your ivestmets or the expected retur from your ivestmets. What risks affect your ivestmets? Geeral risks for all optios The mai risks which affect all ivestmets are: Market risk Ivestmet returs are iflueced by the performace of the market as a whole. This meas that your ivestmets ca be affected by thigs like chages i iterest rates, ivestor setimet ad global evets, depedig o which markets or asset classes you ivest i. Security ad ivestmet-specific risk Withi each asset class ad each optio, idividual securities like mortgages, shares, fixed iterest securities or hybrid securities ca be affected by risks that are specific to that ivestmet or that security. For example, the value of a compay s shares ca be iflueced by chages i compay maagemet, its busiess eviromet or profitability. These risks ca also impact o the compay s ability to repay its debt. Maagemet risk Each optio i this PDS has a ivestmet maager to maage your ivestmets o your behalf. There is a risk that the ivestmet maager will ot perform to expectatio. Liquidity risk Liquidity risk refers to the difficulty i sellig a asset for cash quickly without a adverse impact o the price received. Assets such as shares i large listed compaies are geerally cosidered liquid while real assets such as direct property ad ifrastructure are geerally cosidered illiquid. Uder abormal or difficult market coditios some ormally liquid assets may become illiquid, restrictig our ability to sell them ad to make withdrawal paymets or process switches for ivestors without a potetially sigificat delay. Optio-specific risks Risks that are specific to some particular ivestmet optios are: Currecy risk Ivestmets i global markets or securities which are deomiated i foreig currecies give rise to foreig currecy exposure. This meas that the value of these ivestmets will vary depedig o chages i the exchage rate. Ivestmet optios i this PDS which have sigificat currecy risks adopt differet currecy maagemet strategies. These strategies may iclude currecy hedgig, which ivolves reducig or removig the impact of currecy movemets o the value of the ivestmet. Iformatio o the currecy maagemet strategy for each optio with a sigificat currecy risk is set out i that optio s descriptio. Because differet optios have differet currecy maagemet strategies, you should cosult your adviser o the best approach for you. Additioal importat iformatio about currecy risk is provided o page 34. Derivatives risk Derivatives are cotracts betwee two parties that usually derive their value from the price of a physical asset or market idex. They ca be used to maage certai risks i ivestmet portfolios; however, they ca also icrease other risks i a portfolio or expose a portfolio to additioal risks. Risks iclude: the possibility that the derivative positio is difficult or costly to reverse; that there is a adverse movemet i the asset or idex uderlyig the derivative; or that the parties do ot perform their obligatios uder the cotract. I geeral, ivestmet maagers may use derivatives to: protect agaist chages i the market value of existig ivestmets achieve a desired ivestmet positio without buyig or sellig the uderlyig asset gear a portfolio maage actual or aticipated iterest rate ad credit risk alter the risk profile of the portfolio or the various ivestmet positios.

8 6 Coloial First State Rollover & Superauatio Fud 2 Uderstadig ivestmet risk As a fiacial istrumet, derivatives are valued regularly ad movemets i the value of the uderlyig asset or idex should be reflected i the value of the derivative. The ivestmet optios i the PDS that may use derivatives such as futures, optios, forward currecy cotracts ad swaps, are outlied i the strategy of the ivestmet optio. Credit risk Credit risk refers to the risk that a party to a credit trasactio fails to meet its obligatios, such as defaultig uder a mortgage, a mortgage backed security, a hybrid security, a fixed iterest security or a derivative cotract. This creates a exposure to uderlyig borrowers ad the fiacial coditio of issuers of these securities. Geerally, we edeavour to maage couterparty credit risk through the followig processes: reviewig overall couterparty credit risk, the ature of ledig priciples ad arragemets, the availability ad adequacy of security where relevat applyig striget credit risk maagemet policies ad prudet valuatio policies maagig ad/or limitig specific couterparty credit risk to particular couterparties, sectors ad geographic locatios. Gearig risk Some of the optios i this PDS use gearig. Gearig meas the optio borrows so that it ca ivest more to icrease potetial gais. Gearig always icreases losses (if ay) ad variability i the value of the portfolio. Further details about the risks of gearig are cotaied o pages 33 to 34. All of the ivestmet optios i this PDS are subject to some or all of these risks. You should cosult your adviser before makig a decisio to ivest.

9 Coloial First State Rollover & Superauatio Fud 7 Is there ay other way you ca maage ivestmet risk? A importat way that ca help you reduce ivestmet risk is by spreadig your moey across differet ivestmets. This approach is called diversificatio. Through the fud, you ca do this i two ways: 1 Withi each asset class Ivestig i a rage of securities withi a asset class meas that returs will geerally be less depedet o the performace of ay sigle security. This may reduce the overall security-specific risk across your portfolio. 2 Across asset classes Ivestig i a rage of asset classes meas the impact of ups ad dows i ay sigle asset class or market ca be reduced. That is, you ca spread your exposure to differet markets. Your adviser ca help you uderstad ivestmet risk, ad desig a ivestmet strategy that is right for you. Are there ay other risks you should be aware of? Whe ivestig, there is the possibility that your ivestmet goals will ot be met. This ca happe because of the risks discussed previously. It ca also happe if your ivestmet strategy is ot aliged to your objectives. Rage of returs from the mai asset classes Differet ivestmets perform differetly over time. Ivestmets that have provided higher returs over the loger term have also teded to produce a wider rage of returs. These ivestmets are geerally described as more risky as there is a higher chace of losig moey, but they ca also give you a better chace of achievig your log-term objectives. Ivestmets that have provided more stable returs are cosidered less risky, but they may ot provide sufficiet log term returs for you to achieve your log-term goals. Selectig the ivestmets that best match your ivestmet eeds ad timeframe is crucial i maagig this risk. How should you determie your ivestmet timeframe? Your adviser ca help you determie your ivestmet timeframe. If you are maily cocered about protectig your capital over a relatively short period of time, the a secure, cash-based ivestmet may be the most suitable. However, if you wat the value of your ivestmet to icrease over a loger period, the growth assets like shares ad property are likely to feature promietly i your ivestmet portfolio. Although we have suggested miimum ivestmet timeframes, together with idicative risk meters associated with each particular ivestmet, you should regularly review your ivestmet decisio with your fiacial adviser because your ivestmet eeds or market coditios may chage over time. Our miimum suggested timeframes ad our idicative risk meters associated with particular ivestmets should ot be cosidered persoal advice. What are the mai asset classes? Cash geerally refers to ivestmets i bak bills ad similar securities which have a short ivestmet timeframe. Cash ivestmets geerally provide a stable retur, with low potetial for capital loss. Fixed iterest securities, such as bods, geerally operate i the same way as loas. You pay cash for the bod ad i retur you receive a regular iterest paymet from the bod issuer for a agreed period of time. The value of the bod ca fluctuate based o iterest rate movemets. Whe the bod matures, the loa is repaid i cash. Historically, bods have provided a more cosistet but lower retur tha shares. Property geerally ivolves buyig a property directly or ivestig i property securities. Each property security holds real property ivestmets i sectors such as office, idustrial ad retail. Property securities are geerally listed o a stock exchage ad are bought ad sold like shares. Historically, property ivestmets have bee less volatile tha shares. Shares represet a part owership of a compay ad are geerally bought ad sold o a stock exchage. Shares are geerally cosidered to be more risky tha the other asset classes because their value teds to fluctuate more tha that of other asset classes. However, over the loger term they have teded to outperform the other asset classes.

10 8 Coloial First State Rollover & Superauatio Fud 2 Readig the ivestmet optios The example below describes how to uderstad the iformatio provided for the ivestmet optios. Ivestmet optio ame Name of the ivestmet Suggested timeframe/ risk meter The risk meters provide you with a geeral guide to the relative risk of ivestmet optios offered i this PDS. Ivestmets that have provided higher returs over the loger term have also teded to produce a wider rage of returs. These ivestmets are geerally described as more risky, as there is a higher chace of losig moey, but they ca also give you a better chace of achievig your log-term objectives. Ivestmet professioals will have differig views about the miimum period you should hold various ivestmets, ad your ow persoal circumstaces will also affect your decisio. Uder each ivestmet objective we have suggested miimum ivestmet timeframes; however, you should regularly review your ivestmet decisio with your fiacial adviser because your ivestmet eeds or market coditios may chage over time. Risk meters ad the miimum suggested ivestmet timeframes should ot be cosidered persoal advice. More detail o risk is icluded i the Uderstadig ivestmet risk sectio of this PDS. Coloial First State Ivestmet optio Objective To provide a regular icome stream while maitaiig ad potetially icreasig the value of your capital over the medium term. Miimum suggested timeframe 3 years Risk Strategy The broad asset allocatio is to be 30% ivested i growth assets (shares ad property) ad 70% i defesive assets (fixed iterest ad cash). Allocatios are reviewed regularly although chages are ifrequet, ad a reallocatio would oly be cosidered i respose to a fudametal chage i log-term expectatios or market demad. We seek to add value through a disciplied approach to selectio of the shares ad other assets held by the optio. For risk maagemet purposes, the optio idexes part of its global share exposure ad may partially hedge currecy risk. The currecy hedge udertake ca be betwee 0% (ie uhedged) ad 50% (ie partially hedged). Allocatio Rages 15-19% 8-12% 1-5% Bechmark 17% Australia shares 10% Global shares 3% Australia property securities 64-76% 70% Fixed iterest ad cash Objective The optio s overall objective ad the term i which we aim to achieve it. Strategy Describes the overall strategy of the ivestmet optio ad how moey withi the optio is ivested. Allocatio The asset allocatio refers to the proportio of a ivestmet optio that is ivested i each asset class such as shares, property securities, fixed iterest ad cash. The asset allocatio will vary at differet poits i time. The bechmark allocatio reflects the proportio of each asset class that we aim to hold withi the optio. The rage reflects the miimum ad maximum amout that may be held i each asset class at ay poit i time.

11 Coloial First State Rollover & Superauatio Fud 9 Multi-sector optios 2 Coservative Optio Balaced Optio Objective To provide a regular retur while maitaiig ad potetially icreasig the value of your capital over the medium term. Objective To provide a balace of icome ad capital growth from ivestmets i cash, fixed iterest, property ad shares over the medium term. Miimum suggested timeframe 3 years Risk Miimum suggested timeframe 4 years Risk Strategy The broad asset allocatio is to be 30% ivested i growth assets (shares, property) ad 70% i defesive assets (fixed iterest, cash). Allocatios are reviewed regularly although a reallocatio is oly cosidered i respose to a fudametal chage i log-term expectatios or market demad. We seek to add value through a disciplied approach to selectio of the shares ad other assets held by the optio. For risk maagemet purposes, the optio may hedge some of its currecy exposure. Strategy The broad asset allocatio is to be 50% ivested i growth assets (shares ad property) ad 50% i defesive assets (fixed iterest ad cash). Allocatios are reviewed regularly although a reallocatio is oly cosidered i respose to a fudametal chage i log-term expectatios or market demad. We seek to add value through a disciplied approach to selectio of the shares ad other assets held by the optio. For risk maagemet purposes, the optio may hedge some of its currecy exposure. Allocatio Rages Bechmark Allocatio Rages Bechmark 15-19% 17% Australia shares 22-28% 25% Australia shares 8-12% 10% Global shares 17-23% 20% Global shares 1-5% 3% Australia property securities 3-7% 5% Australia property securities 64-76% 70% Fixed iterest ad cash 42-58% 50% Fixed iterest ad cash Diversified Optio High Growth Optio Objective To provide medium-to-log-term capital growth, together with some icome, by ivestig i cash, fixed iterest, property ad shares. Objective To provide log-term capital growth by ivestig i a diversified portfolio of Australia ad global shares. Miimum suggested timeframe 5 years Risk Miimum suggested timeframe 7 years Risk Strategy The broad asset allocatio is to be 70% ivested i growth assets (shares ad property) ad 30% i defesive assets (fixed iterest ad cash). Allocatios are reviewed regularly although a reallocatio is oly cosidered i respose to a fudametal chage i log-term expectatios or market demad. We seek to add value through a disciplied approach to selectio of the shares ad other assets held i the optio. For risk maagemet purposes, the optio may hedge some of its currecy exposure. Allocatio Rages 32-38% 20-26% 3-7% 3-7% 0-4% 20-40% Bechmark 35% Australia shares 23% Global shares 5% Global resources shares 5% Australia property securities 2% Global property securities 30% Fixed iterest ad cash Strategy The broad asset allocatio is to be up to 100% ivested i growth assets (shares). Allocatios are reviewed regularly although a reallocatio is oly cosidered i respose to a fudametal chage i log-term expectatios or market demad. We seek to add value through a disciplied approach to selectio of the shares held i the optio. For risk maagemet purposes, the optio may hedge some of its currecy exposure. Allocatio Rages 8-12% 8-12% 0-10% 37-43% 37-43% Bechmark 40% Australia shares 10% Australia small compay shares 40% Global shares 10% Global resources shares 0% Cash Please refer to page 34 for iformatio o how the optios are structured. Please refer to page 20 for how to fid up-to-date performace figures ad other iformatio. Please ote that past performace is o idicatio of future performace.

12 10 Coloial First State Rollover & Superauatio Fud 2 Australia share optios Australia Share Optio Objective To provide log-term capital growth by ivestig i a broad selectio of Australia compaies. Miimum suggested timeframe 7 years Risk Strategy Coloial First State s Growth approach is based o the belief that, over the medium-to-log term, stock prices are drive by the ability of maagemet to geerate excess returs over their cost of capital i their chose idustry. The strategy of the optio is to geerally ivest i high quality compaies with strog balace sheets ad earigs. The optio predomiatly ivests i Australia compaies ad therefore does ot hedge currecy risk. Allocatio Rages 0-10% % Bechmark 100% Australia shares 0% Cash Geared Share Optio Objective To magify log-term returs from capital growth by borrowig to ivest i large Australia compaies. Miimum suggested timeframe 7 years Risk Strategy Coloial First State s Growth approach is based o the belief that, over the medium-to-log term, stock prices are drive by the ability of maagemet to geerate excess returs over their cost of capital i their chose idustry. The strategy of the optio is to geerally ivest i large, high quality compaies with strog balace sheets ad earigs. The optio s gearig effectively magifies returs from the uderlyig ivestmets, whether they are gais or losses. The optio predomiatly ivests i Australia compaies ad therefore does ot hedge currecy risk. Where the optio borrows i a foreig currecy, proceeds will be fully hedged ito Australia dollars. Importat iformatio o gearig ad the risks ivolved is also provided o pages 33 to 34. Allocatio Rages 0-10% % Bechmark 100% Australia shares 0% Cash W Gearig magifies market gais, as log as these gais (icludig divideds) are more tha the borrowig expeses. Gearig always magifies losses. Ivestors may therefore experiece icreased volatility i the value of their ivestmet. This meas that ivestors may have potetially large fluctuatios both up ad dow i the value of their ivestmets. Refer to pages 33 to 34 for additioal iformatio regardig ivestmets i the Geared Share optio ad discuss with your fiacial adviser. Please refer to page 34 for iformatio o how the optios are structured. Please refer to page 20 for how to fid up-to-date performace figures ad other iformatio. Please ote that past performace is o idicatio of future performace.

13 Coloial First State Rollover & Superauatio Fud 11 Global share optios 2 Global Share Optio Global Resources Optio Objective To provide log-term capital growth by ivestig i a diversified portfolio of shares from aroud the world. Objective To provide log-term capital growth by predomiatly ivestig i resource compaies from aroud the world. Miimum suggested timeframe 7 years Risk Miimum suggested timeframe 7 years Risk Strategy This optio is a portfolio of our best stock ideas from aroud the world. Coloial First State believes that stock selectio is the best way to deliver cosistet outperformace, pickig stocks rather tha coutries, sectors, styles or other topdow factors. For a stock to be cosidered for this portfolio, it must be mispriced (attractively valued) ad it must have a idetifiable catalyst to ulock that mispricig i a reasoable timeframe. This approach seeks to maximise the retur o portfolio capital withi a appropriate risk maagemet framework. The optio may partially hedge currecy risk. The currecy hedge udertake ca be betwee 0% (ie uhedged) ad 50% (ie partially hedged). Allocatio Rages 0-10% % Bechmark 100% Global shares 0% Cash Global Health & Biotechology Optio Objective To provide log-term capital growth by predomiatly ivestig i compaies from aroud the world, whose primary busiess is i the fields of pharmaceuticals, biotechology, healthcare services ad medical products. Miimum suggested timeframe 7 years Risk Strategy The optio s strategy is to add value by ivestig, over the medium-to-log term, i quality compaies, with sustaiable earigs per share growth ad sesible valuatios, whose primary busiess is healthcare-related. The optio does ot hedge currecy risk. Coloial First State has appoited Welligto Maagemet as the maager of this optio. The maager may use exchage traded fuds to gai efficiet exposure to markets. For more iformatio o this maager, refer to page 35. Allocatio Rages 0-10% % Bechmark 100% Global shares 0% Cash Strategy The optio s strategy is to add value over the medium-to-log term, by ivestig i quality global resource compaies. Rather tha attemptig to predict commodity price movemets, Coloial First State chooses to focus o quality resource compaies all over the world. Compaies typically have strog balace sheets, quality maagemet, high quality assets ad a low cost of productio. The optio does ot hedge currecy risk. Allocatio Rages 0-10% % Bechmark 100% Australia ad global shares 0% Cash Global Techology & Commuicatios Optio Objective To provide log-term capital growth by predomiatly ivestig i compaies from aroud the world, whose primary busiess is i the fields of techology ad/or commuicatios. Miimum suggested timeframe 7 years Risk Strategy The optio s strategy is to add value by ivestig i compaies with sustaiable earigs per share growth ad sesible valuatios, whose primary busiess is i the field of iformatio techology ad/or commuicatios. The optio does ot hedge currecy risk. Coloial First State has appoited Welligto Maagemet as the maager of this optio. The maager may use exchage traded fuds to gai efficiet exposure to markets. For more iformatio o this maager, refer to page 35. Allocatio Rages 0-10% % Bechmark 100% Global shares 0% Cash Please refer to page 34 for iformatio o how the optios are structured. Please refer to page 20 for how to fid up-to-date performace figures ad other iformatio. Please ote that past performace is o idicatio of future performace.

14 12 Coloial First State Rollover & Superauatio Fud 2 Global share, property securities ad cash optios Geared Global Share Optio Property Securities Optio Objective To magify log-term returs from capital growth by borrowig to ivest i a diversified portfolio of shares from aroud the world. Objective To provide medium-to-log-term capital growth ad icome predomiatly from a selectio of listed property-related ivestmets. Miimum suggested timeframe 7 years Risk Miimum suggested timeframe 5 years Risk Strategy This optio is a portfolio of our best stock ideas from aroud the world. Coloial First State believes that stock selectio is the best way to deliver cosistet outperformace, pickig stocks rather tha coutries, sectors, styles or other topdow factors. For a stock to be cosidered for this portfolio, it must be mispriced (attractively valued) ad it must have a idetifiable catalyst to ulock that mispricig i a reasoable timeframe. This approach seeks to maximise the retur o portfolio capital withi a appropriate risk maagemet framework. The fud s gearig effectively magifies returs from the uderlyig ivestmets, whether they are gais or losses. The optio may partially hedge currecy risk. The optio may hedge up to 100% of the currecy exposure relatig to the borrowigs of the optio ad betwee 0% (ie uhedged) ad 50% (ie partially hedged) of ivestors capital. Importat iformatio o gearig ad the risks ivolved is provided o pages 33 to 34. Allocatio Rages 0-10% % Bechmark 100% Global shares 0% Cash E Gearig magifies market gais, as log as these gais (icludig divideds) are more tha the borrowig expeses. Gearig always magifies losses. Ivestors may therefore experiece icreased volatility i the value of their ivestmet. This meas that ivestors may have potetially larger fluctuatios both up ad dow i the value of their ivestmets. Refer to pages 33 to 34 for additioal iformatio regardig ivestmets i the Geared Global Share optio ad discuss with your fiacial adviser. Strategy The optio s strategy is to add value by evaluatig each uderlyig property ad selectig trusts/compaies for aticipated outperformace agaist other trusts/ compaies i the sector. The optio predomiatly ivests i Australia listed property ivestmets ad therefore does ot hedge currecy risk. Allocatio Rages 0-10% % Bechmark 100% Property securities 0% Cash Capital Secure Optio Objective To provide a regular icome stream from ivestmets i moey market securities with a very low risk of capital loss. Miimum suggested timeframe No miimum Risk Strategy The optio s strategy is to ivest i high quality moey market ad fixed iterest securities, with short maturities, to achieve a very stable retur. This optio does ot purchase securities that give rise to material currecy risk ad therefore o currecy hedgig is udertake. Allocatio Rage 100% Bechmark 100% Cash Please refer to page 34 for iformatio o how the optios are structured. Please refer to page 20 for how to fid up-to-date performace figures ad other iformatio. Please ote that past performace is o idicatio of future performace.

15 Coloial First State Rollover & Superauatio Fud 13 Fees ad other costs 3 Cosumer advisory warig Did you kow? Small differeces i both ivestmet performace ad fees ad costs ca have a substatial impact o your log-term returs. For example, total aual fees ad costs of 2% of your fud balace rather tha 1% could reduce your fial retur by up to 20% over a 30-year period (for example, reduce it from $100,000 to $80,000). You should cosider whether features such as superior ivestmet performace or the provisio of better member services justify higher fees ad costs. This documet shows fees ad other costs that you may be charged. These fees ad costs may be deducted from your moey, from the returs o your ivestmet or from the fud assets as a whole. Taxes ad isurace are set out i aother part of this documet. You may be able to egotiate to pay lower cotributio fees ad maagemet costs where applicable. Ask the fud or your fiacial adviser. To fid out more If you would like to fid out more, or see the impact of the fees based o your ow circumstaces, the Australia Securities ad Ivestmets Commissio (ASIC) website ( has a superauatio fee calculator to help you check out differet fee optios. You should read all the iformatio about fees ad costs because it is importat to uderstad their impact o your ivestmet. Fees ad costs for particular ivestmet optios are set out o page 14. Type of fee or cost Amout 1 How ad whe paid Fees whe your moey moves i or out of the fud Establishmet Fee The fee to ope your ivestmet. Nil N/A Cotributio Fee 2,3 The fee o each amout cotributed to your ivestmet either by you or your employer. Capital Secure Nil Coservative 2.5% Balaced 3.0% All other optios 4.0% We will deduct the applicable cotributio fee from your iitial ivestmet ad ay additioal ivestmets. The cotributio fee you pay is egotiated with your adviser, up to the maximum show i this table. Where you do ot use a adviser the maximum cotributio fee applies. If you switch from a optio with a lower etry fee tha the optio you are switchig to, you may pay the differece betwee the two fees. Withdrawal Fee 2 The fee o each amout you take out of your ivestmet. Termiatio Fee The fee to close your ivestmet. Nil N/A Nil N/A Maagemet Costs 3 The fees ad costs for maagig your ivestmet. For all optios (other tha geared) For geared optios Service Fees Switchig Fee 2 The fee for chagig ivestmet optios. Adviser Service Fee Please refer to page 15 for further details. 1.15% to 2.31% pa 2.75% pa to 3.29% pa The amout you pay for specific ivestmet optios is show o page 14. Nil Uless otherwise stated i this PDS, the maagemet cost is expressed as a percetage of the total average et assets of the optio. The maagemet costs are reflected i the daily uit price ad payable mothly or as icurred by the optio. There are o fees for chagig ivestmet optios. However, you should be aware that cotributio fees may apply if you are switchig from a optio with a lower etry fee (as outlied above). 1 All figures disclosed iclude the et effect of GST, except for the adviser service fee which is iclusive of GST. 2 Trasactio costs ( buy/sell spreads) apply to most optios (refer to page 15 for details). 3 This fee icludes a amout payable to a adviser. Refer to What is paid to your adviser? o page 15.

16 14 Coloial First State Rollover & Superauatio Fud 3 Fees ad other costs Maagemet ad trasactio costs Optio ame Maagemet costs (pa) Trasactio costs per trasactio (%) Coservative 1.45% 0.10 Balaced 1.65% 0.15 Diversified 1.85% 0.20 High Growth 2.15% 0.30 Australia Share 1.85% 0.20 Geared Share % (g)/3.29% () Global Share 2.10% 0.25 Global Resources 2.31% 0.30 Global Health & 2.11% 0.25 Biotechology Global Techology & 2.11% 0.25 Commuicatios Geared Global Share % (g)/2.75% () 0.40 Property Securities 1.60% 0.20 Capital Secure 1.15% Nil These figures are iclusive of the et effect of GST. Additioal explaatio of fees ad costs Maagemet costs The terms maagemet costs ad maagemet fees mea differet thigs. Maagemet costs iclude maagemet fees, estimated performace fees (if applicable), ivestmet expeses ad custody fees. Maagemet costs are deducted from the performace of the optio (ie they are ot charged directly to your accout). They do ot iclude cotributio fees, trasactio costs or additioal service fees. The maagemet costs for each optio are either a estimate or based o curret fiacial iformatio. They are expressed as a percetage of each optio s et assets ad, together with ay applicable trasactio costs, are outlied i the table above. Maagemet fees are the fees payable uder the trust deed for the maagemet of each optio. Maagemet fees are calculated from gross assets of the optio. For details of the maximum maagemet fees allowed uder the trust deed, see below. These fees ad costs may be tax deductible to the fud. Example of aual fees ad costs for a balaced ivestmet optio This table gives a example of how fees ad costs i the Diversified optio for this product ca affect your ivestmet over a oe-year period. You should use this table to compare this product with other superauatio products. Example Diversified optio Balace of $50,000 with total cotributios of $5,000 durig year Cotributio fees 0% 4% For every additioal $5,000 you put i, you will be charged betwee $0 ad $200. Plus Ad, for every $50,000 you have i Maagemet costs 1.85% pa the fud, you will be charged $925 each year. Equals If you had a ivestmet of $50,000 Cost of fud at the begiig of the year ad you put i a additioal $5,000 durig that year, you will be charged fees of from: $925 to $1,125 What it costs you will deped o the ivestmet optio you choose ad the fees you egotiate with your fud or fiacial adviser. These figures are iclusive of the et effect of GST. Please ote that this is just a example. I practice, the actual ivestmet balace of a ivestor will vary daily ad the actual fees ad expeses we charge are based o the value of the optio, which also fluctuates daily. Trasactio costs also apply. Refer to the above table. Icreases or alteratios to the fees We may vary the maagemet fees used to calculate the maagemet costs specified above at ay time at our absolute discretio, withi the limits prescribed i the trust deed. If the variatio is a icrease i a fee or charge, we will give you 30 days advace writte otice. The trust deed provides for the followig maximum fees (fees are iclusive of the et effect of GST): a maximum etry fee (referred to i this PDS as a cotributio fee) of 4% a maximum exit fee (referred to i this PDS as a withdrawal fee) of 3% a maximum gross maagemet fee of 2.9% pa a maximum switchig fee of 4% of the value of the ivestmet switched a maximum trasactio fee of $64 for each switch i excess of four withi ay fiacial year; for each failure of a direct debit from aother fiacial istitutio or superauatio etity; ad for ay other matter the trustee must atted i relatio to a ivestor, where the trustee reasoably cosiders a trasactio fee is justified. Additioally, you may choose to pay a adviser service fee. The law ad the trust deed allow us to charge reasoable fees for requests for iformatio relatig to family law cases ad the superauatio splittig provisios. At this time we have elected ot to charge these fees; however, we reserve the right to charge them at a later date. 1 The two figures show above for the geared share optios are based o the gross (g) assets (which icludes the optio s borrowigs ad is the lower of the two fees) ad o et () assets (which excludes the optio s borrowigs ad is the higher of the two fees). This is ot a chage i how the optio s fees are calculated or i the amout that is charged to the optio. 2 Trasactio costs deped o the specific gearig level of the optio.

17 Coloial First State Rollover & Superauatio Fud 15 Trasactio costs Trasactio costs such as brokerage, brokerage paid to mortgage orgaisers, govermet taxes/duties/levies, bak charges ad accout trasactio charges are paid from each optio. Whe you ivest, switch or withdraw all or part of your ivestmet, we use what is called a buy/sell spread to recover trasactio costs icurred. Because there are costs i buyig ad sellig assets, we use the buy/sell spread to direct these costs to ivestors trasactig rather tha ivestors i the optio. The buy/sell spread that applies to each optio is show i the table o page 14. Please ote that the buy/sell spreads are ot fees paid to us. They are paid to the optio. They are, however, a additioal cost to you. They may be altered at ay time. Where short-term settlemet borrowig or borrowig for uderlyig fuds occurs (icludig geared optios), borrowig costs such as iterest o borrowigs, legal fees ad other related costs are payable by those optios. Trasactio costs example: If you make a $50,000 ivestmet i or withdrawal from the Diversified optio, you will pay trasactio costs of $100. Abormal costs Abormal costs such as costs of ivestor meetigs, recovery ad realisatio of assets, chages to the trust deed ad defedig legal proceedigs are paid from the fud. These costs are icurred fairly ifrequetly. Other operatig expeses The trust deed allows for the ogoig operatig expeses (such as registry, audit, taxatio advice ad offer documets) to be paid directly from the fud. Util further otice, we will pay such amouts, except where the expese relates to custody, audit or a particular trasactio. The trust deed does ot place ay limit o the amout of the ogoig operatig expeses that ca be paid from the fud. Member protectio Geerally, if at ay time your accout i the fud is less tha $1,000 ad it icludes or has icluded superauatio guaratee or award cotributios by your employer, govermet regulatios limit the amout of charges that ca be deducted from your accout. What is paid to your adviser? The adviser recommedig this product may receive paymet ( remueratio ) for the sale. Your adviser s remueratio, which is described i this sectio, is icluded i the charges show previously (except ay remueratio that the adviser charges you directly as a fee for service). The amouts show iclude GST which is paid by us (except the adviser service fee). Dealer groups, IDPS operators ad other licesees may receive remueratio from us for offerig the fud o their ivestmet meus or for the provisio of services. This remueratio will geerally be i the form of a Fud Maager Paymet ad may be up to 0.25% pa of fuds ivested. These amouts may be rebated or retaied by the dealer group, IDPS operator or licesee. If these amouts are paid, they are paid by us ad are ot a extra amout paid from the fud or are they a amout you pay. Ay paymets will be made i compliace with the IFSA Idustry Code of Practice o Alterative Forms of Remueratio. We keep a register of certai paymets as required by the Code. Please cotact us if you would like to view this register. Details of the adviser s remueratio will be i the Fiacial Services Guide ad Statemet of Advice which the adviser must give you. Optio ame Adviser remueratio Upfrot (max) 3 Ogoig trail (pa) 4 Capital Secure Nil 0.44% Coservative 2.68% 0.44% Balaced 3.22% 0.44% All other optios 4.29% 0.44% Adviser service fee You ca agree with your fiacial adviser to have a adviser service fee for advice relatig to your ivestmet i the fud, paid directly from your ivestmet. The adviser service fee (icludig GST) will be paid to your curret adviser or ay subsequet adviser o your ivestmet. This fee, expressed as a percetage of your ivestmet, will be deducted as a additioal fee from oe of your optios o a mothly basis ad will appear o your regular statemets. You specify the optio from which the fee should be deducted ad the amout (icludig GST) o the applicatio form. The trustee may at its discretio refuse to deduct a adviser service fee. Please cotact your adviser directly regardig the egotiatio of the adviser service fee. 3 % of iitial ad additioal ivestmet. 4 % of value of retaied ivestmet.

18 16 Coloial First State Rollover & Superauatio Fud 3 Fees ad other costs Isurace costs Isurace premiums The isurace premium you pay is depedet o the amout of cover you choose ad your persoal circumstaces, icludig your geder, health, occupatio, age ad whether you are a smoker. The isurace premium will be deducted mothly i advace from oe of your ivestmet optios. You or your adviser must specify the ivestmet optio from which the isurace premium should be deducted o the isurace applicatio form. For more iformatio o isurace, please refer to pages 25 to 30. Isurace commissio Your adviser may be etitled to receive a isurace commissio for Death oly or Death ad Total ad Permaet Disablemet premiums of 22% (iclusive of GST). The premium rates o page 30 iclude this commissio. Negotiatio of fees Cotributio fees You may be able to egotiate lower cotributio fees. Please cotact your adviser directly for details regardig egotiatio of cotributio fees. Taxatio Please refer to pages 22 to 24 for further details. Expeses Where ay expeses, other tha outlied below, are tax deductible, the beefit is already reflected i the daily uit price for the optio. Tax deductibility of maagemet costs The maagemet costs quoted i this PDS are show before ay allowace for tax payable. Uder curret tax legislatio, the fud is able to claim a tax deductio (curretly at the rate of 15%) for these maagemet costs. This deductio is passed o to the ivestors of the fud at the time the maagemet costs are icurred, through the uit price. Thus, the actual costs charged are et of the tax deductio ad caot be claimed i your persoal tax retur. Tax deductibility of isurace premiums Similarly, the isurace premiums quoted i this PDS are show before ay allowace for tax payable. Uder curret tax legislatio, Coloial First State is able to claim a tax deductio i respect of all or part of the isurace premiums paid through your accout. This deductio is passed o to the ivestors of the fud upfrot, at the time the premium is deducted from your accout. Thus, the actual isurace premium charged agaist your accout is et of the tax deductio ad caot be claimed i your persoal tax retur.

19 Coloial First State Rollover & Superauatio Fud 17 Accout maagemet 4 Establishig ad trasactig o your accout Whether you prefer the iteret, telephoe, or fax, maagig your ivestmet is easy. To make it easy for you to keep up-to-date ad trasact o your ivestmet, we provide you with a umber of trasactio optios: Iteret coloialfirststate.com.au Telephoe (toll free) cotactus@coloialfirststate.com.au Fax (02) Direct credit ad Bpay Telephoe ad iteret bakig Bpay Call your bak, credit uio or buildig society to make this paymet from your cheque, savigs or credit card accout. More ifo: Mail Coloial First State, Reply Paid 27, Sydey NSW 2001 The easiest way to moitor ad trasact o your accout is by usig our secure iteret service, FirstNet. You ca access FirstNet by visitig our website. The table below provides you with iformatio o how to set up ad trasact o your accout ad the optios available to you. For further iformatio o how your trasactios are processed, please refer to page 31. We recommed you cotact your fiacial adviser to discuss your eeds before ay trasactio. How do I Iformatio I eed to kow 1 Trasactio optios Thigs to be aware of Set up a accout? 2 Roll over fuds from aother istitutio? Make regular ivestmets from my bak accout? 3 A miimum amout of $1,500 applies. Please ote: You must be a eligible ivestor, as described o page 21. Applicatios received o a NSW busiess day prior to 3pm (Sydey time) will be processed usig that day s uit price. You will eed to sed a completed request to trasfer form to the istitutio that curretly holds your superauatio moies. A miimum amout of $100 applies. Fuds are draw from your bak accout o the first NSW busiess day after the 9th of each moth. Please iform us how you would like your regular ivestmet pla to be allocated to each optio, or we will allocate as per your previous trasactio. You ca choose to have your regular ivestmet automatically icreased by a percetage based o the Cosumer Price Idex (or 3%, whichever is the greater) 4. Please omiate this o the applicatio form. Please ote: Idexatio is ot applicable for employer cotributios. Registered to Bpay Pty Ltd ABN Complete the applicatio form o page 41 of this documet ad sed it to us. Alteratively, you ca complete the applicatio olie ad sed it to us. Please provide your Tax File Number. Refer to pages 21 ad 35 for further iformatio. Complete the request to trasfer form o page 73 ad sed it to the istitutio that curretly holds your superauatio moies. To use ay of these methods, you must have previously supplied a direct debit authorisatio to allow us to draw from your Australia fiacial istitutio accout. Please obtai a regular ivestmet form from our website or by callig us o A completed request (which icludes a correctly completed form, together with ay material we may ask for to establish your idetity), received i our office o a New South Wales (NSW) busiess day prior to 3pm (Sydey time) will be processed as at the date of receipt of the completed request. Fuds will be debited from your omiated accout o the day we process your completed request. 2 We may accept amouts less tha the miimum, at our discretio, if we are satisfied the miimum balace will be reached withi a reasoable timeframe. 3 Regular ivestmets are accepted i accordace with the PDS at the time of the relevat ivestmet. A copy of the curret PDS is available free of charge o request. We may termiate this facility if the direct debit fails three times i ay 12-moth period. Please ote that ay chages to this facility must be received prior to the last busiess day prior to the 9th of the moth to allow the chage to take effect for that moth. 4 We will otify you i writig prior to the icrease i August each year. If you opeed your accout betwee February ad August, the first icrease will happe i August of the followig year.

20 18 Coloial First State Rollover & Superauatio Fud 4 Accout maagemet How do I Iformatio I eed to kow 1 Trasactio optios Thigs to be aware of Make additioal ivestmets to my accout? No miimum amout applies. Please ote: You must be a eligible ivestor, as described o page 21. Please ote: If you have ot provided your Tax File Number to us, you will ot be able to make o-cocessioal cotributios. Refer to pages 21 ad 35 for further iformatio. Additioal ivestmets will attract the same cotributio fees as your previous ivestmet uless we receive a valid istructio to the cotrary. Please iform us how you would like your additioal ivestmets to be allocated. If you do ot istruct us, we will allocate your additioal ivestmet i lie with your most recet trasactio, excludig regular ivestmet plas. If your most recet trasactio was a: deposit, we will ivest as per your previous deposit switch, we will ivest i lie with the ivestmet weightigs as a result of this switch withdrawal that closed oe or more optios, we will ivest i lie with the ivestmet weightigs as a result of this withdrawal. I extraordiary circumstaces, where a optio is suspeded or restricted, additioal ivestmets may ot be processed or ot be processed without a sigificat delay. Telephoe ad iteret bakig Call your bak, credit uio or buildig society to make this paymet from your cheque, savigs or credit card accout. More ifo: If you wish to make additioal cotributios usig direct credit from your bak accout, please refer to the details below. BSB: Accout umber: Last 9 digits of your Rollover & Superauatio Fud accout umber Accout ame: First ame Surame Referece: Cotributio code, eg SG (see below for other optios) SG for Superauatio Guaratee EA for Employer MV for Persoal MD for Persoal Deductible SP for Spouse SS for Salary Sacrifice Please ote: The SG cotributio code will be used if o code is etered. Refer to your Australia fiacial istitutio for remittace of fuds. You will eed to quote: Employer cotributios biller code: W W Salary sacrifice cotributios biller code: Persoal cotributios biller code: Persoal deductible biller code: Spouse cotributios biller code: Referece umber: 1 + accout umber To use these methods, you will have previously supplied a direct debit authorisatio to allow us to draw from your Australia fiacial istitutio accout. Please complete a additioal ad regular ivestmet form or letter, accompaied by a cheque made payable to Coloial First State Rollover & Superauatio Fud, [Ivestor ame] or completed direct debit authority o page 69. Switch betwee optios? No miimum amout applies. Switchig requests received o a NSW busiess day prior to 3pm (Sydey time) will be processed at that day s uit price. I extraordiary circumstaces where a optio is suspeded or restricted, switches may ot be processed or ot be processed without a sigificat delay. If ot trasactig olie, please provide us with a completed switch form from our website or by callig us o Alteratively, provide us with a writte request. Please esure you have read a curret PDS before makig your switch. Make a withdrawal? No miimum amout applies. However, you must maitai a accout balace of $1,500 ad meet a coditio of release as described o page 22. Withdrawals ca be paid by cheque or to your previously omiated bak accout. Withdrawal requests received o a NSW busiess day prior to 3pm (Sydey time) will be processed usig that day s uit price ad i ormal circumstaces geerally paid withi seve workig days. I extraordiary circumstaces, withdrawals could be suspeded, see pages 31 ad 32 for further details. Please provide us with a writte request or a completed withdrawal form from our website or by callig us o Bak details are to be provided o a origial siged request. Paymets ca oly be made to a Australia fiacial istitutio. If you are cashig out all or part of your super, we may be required to establish your idetity (if this has ot already bee completed) before we ca process your request (see page 35 regardig ati-moey lauderig laws for further iformatio).

21 Coloial First State Rollover & Superauatio Fud 19 How do I Iformatio I eed to kow 1 Trasactio optios Thigs to be aware of Cacel a request? Chage my persoal details? Apply for or icrease my isurace cover? Chage or update my smokig status for isurace purposes? Reduce or cacel my isurace cover? Make a isurace claim? Apply for the cotiuatio of isurace cover? Cacel idexatio of my isurace cover? Nomiate a perso to receive my beefits whe I die? Appoit a adviser to trasact olie o my behalf? Please provide us with a writte request o or before the day of the receipt of the origial request by the cut-off times show o page 32. Please cotact us ad advise your chage. You will eed to complete the isurace applicatio form o page 49. Please iform us of your smokig status. To take advatage of the isurace cotiuatio optio you will eed to advise us withi 45 days of your isurace cover ceasig. Please esure that you also complete the relevat applicatio form provided by CommIsure. You will eed to advise us i writig. You will eed to complete the bidig death omiatio form o page 67. By appoitig a adviser to trasact o your behalf you are givig that adviser ad ay perso actig o behalf of that adviser, authority to trasact o your accout(s) olie. Please ote that a writte request may be required subsequet to your telephoe advice. Certai types of chages will require a writte request, accompaied by certified documetatio. All sectios of the isurace applicatio form must be completed i full. Please esure you sig ad date the form. We may eed to request additioal iformatio for the isurer to fully assess your applicatio. Iterim cover is available to ivestors who satisfy the miimum accout balace requiremets. See page 26 for details. Your smokig status will impact your premium rates. Your premium will be adjusted from the date you otify us of a chage i smokig status. Your cover will geerally be reduced oce a origial copy of your siged request is received i our Sydey office. Your isurace claim may be subject to a miimum waitig period. Please call us to discuss claim requiremets. You ca apply to cotiue your isurace cover if you leave or cacel your cover. See page 27 for details. Isurace cover will automatically icrease each year uless we are otherwise advised. See page 27 for more details. Refer to page 65 for importat iformatio o bidig death omiatios. We may require iformatio to establish the idetity of the perso you omiate. I certai circumstaces, we may delay or be uable to make a paymet to the perso you omiate (see page 35 regardig ati-moey lauderig laws for further iformatio). You ca choose multiple accouts o which your adviser ca trasact. Please complete the Adviser Olie Trasactio Authority o page 63 to allow your adviser to trasact o your accout(s) olie. I certai circumstaces, we may eed to establish the idetity of the adviser before they ca trasact o your accout(s) olie (see page 35 regardig ati-moey lauderig laws for further iformatio). 1 A completed request (which icludes a correctly completed form, together with ay material we may ask for to establish your idetity), received i our office o a New South Wales (NSW) busiess day prior to 3pm (Sydey time) will be processed as at the date of receipt of the completed request. Fuds will be debited from your omiated accout o the day we process your completed request.

22 20 Coloial First State Rollover & Superauatio Fud 4 Accout maagemet Accessig iformatio o your accout Up-to-date iformatio o your superauatio is easily accessible After you ivest, we will esure that you are kept iformed about your superauatio ivestmet by sedig you the followig iformatio. For each type of commuicatio, you ca elect o the applicatio form whether to receive it by or mail 1. Whe you trasact o your accout A cofirmatio for each ivestmet, switch or withdrawal (excludig those via the regular ivestmet pla). Half-yearly A statemet showig your trasactios ad the value of your ivestmet at the ed of Jue ad December each year. Periodically Educatioal material may be set from time to time which provides you with iformatio o geeral ivestig, superauatio ad our products (you ca elect ot to receive this material by writig to us). Aual reports A aual report detailig the fiacial positio ad performace of the fud over the last fiacial year will be made available o our website, coloialfirststate.com.au/aual reports, by 31 December each year. If you would prefer to have a copy ed or mailed to you free of charge, please cotact us. Where ca you obtai the latest iformatio about the fud? It is importat that you keep up-to-date with the latest iformatio o the fud. Iformatio that is ot materially adverse is updated from time to time. This icludes iformatio o the ivestmet optios, their performace ad historical uit prices. To obtai this iformatio, you ca: visit our iteret site at coloialfirststate.com.au phoe Ivestor Services o for the cost of a local call withi Australia. A paper copy of the most recet iformatio will be set to you free of charge o request. How do you access iformatio o your ivestmet? To fid out curret iformatio ad/or maage your ivestmet, you ca: Use FirstNet to access your ivestmet easily olie at coloialfirststate.com.au A Olie Idetity Number (OIN) ad Persoal Idetificatio Number (PIN) for access to FirstNet will be set to you shortly after your ivestmet is received (you ca elect ot to receive this o the applicatio form). FirstNet Ivestor is our secure iteret service which provides you with persoalised iformatio about your ivestmets as well as the ability to make chages to your accout ad trasact olie. With FirstNet Ivestor, you ca: access your accout balace ad trasactio history make additioal ivestmets (if applicable) set up regular ivestmet plas (if applicable) buy, sell ad switch your ivestmet ope a ew accout olie update some of your persoal details chage your PIN view tax ad distributio iformatio (if applicable). Call Ivestor Services ad request a copy of Access your accout aytime 24/7. Use FirstLik, our automated telephoe service To access your iformatio by phoe, 24 hours a day, seve days a week. Call Ivestor Services o You ca speak to a Ivestor Services represetative Moday to Friday, 8am to 7pm (Sydey time). Geeral equiries Product iformatio 3 FirstNet 2 coloialfirststate.com.au FirstLik Ivestor Services Performace figures Uit prices Aual fiacial reports Accout equiries Portfolio iformatio Details of accout facilities Trasactio history (icludig recet trasactios ad statemets) cotactus@coloialfirststate.com.au 1 From time to time we may still eed to sed you letters i the post. 2 To equire ad trasact, you will eed to be registered ad log i usig your OIN ad PIN. Trasactio access is automatically give to ivestors (uless you elect ot to receive this o the applicatio form). You will be required to provide us with a Australia fiacial istitutio accout to eable the trasactio facility.

23 Coloial First State Rollover & Superauatio Fud 21 About superauatio 5 This is a summary of the sigificat superauatio ad taxatio rules applyig to you i the Rollover & Superauatio Fud. Further iformatio about the terms i italics is i our Super terms explaied brochure. Chages to this PDS that are ot materially adverse, icludig chages to superauatio ad taxatio laws, will be icluded i the Super terms explaied brochure from time to time. So you should always refer to the most up-to-date versio, available free of charge o our website at coloialfirststate.com.au or by callig Ivestor Services o You should also regularly review how the superauatio ad taxatio laws affect you with your fiacial adviser. What is super? Super is a way for you to save for your retiremet, either through regular cotributios made by you or your employer or by cosolidatig your savigs whe you chage jobs. Because super is desiged for retiremet, there are restrictios o whe you ca withdraw your savigs ad a variety of icetives to ecourage you to save usig super. If you have a job, your employer is also geerally obliged to make 9% SG cotributios to your fud. You may be etitled to choose your ow fud. You should refer to the choice of fud form available from your employer for more iformatio. The Rollover & Superauatio Fud is a accumulatio super fud. This meas, as a ivestor, you have a accout balace that: icreases by the amout of your super cotributios ad rollovers reduces by the amout of taxes, fees, costs ad isurace premiums reduces by the amout of ay family law paymet split, a spouse cotributio split, excess cotributios tax, ad bakruptcy claw-back paymet reduces by the super beefits paid to you, ad reduces or icreases accordig to the market movemets reflected i the uit prices of your ivestmets. Your accout balace will geerally be paid to you as a retiremet beefit whe you retire. However, there are other types of super beefits outlied below. Tax may be payable o your super cotributios ad super beefits outlied below. The fud also pays taxes o the earigs of the fud at a rate of up to 15%, although this may be reduced by various tax credits ad deductios. The cost of these taxes is reflected i the uit price of your ivestmets. You caot use your accout balace as security for borrowig. You may also be etitled to additioal taxatio icetives, if you meet the applicable eligibility criteria to: claim a tax deductio for your persoal deductible cotributios receive the spouse cotributios offset for spouse cotributios you make receive the govermet co-cotributio for your persoal cotributios apply to have part of your cocessioal cotributios for a fiacial year rolled over to your spouse uder a spouse cotributio split claim capital gais tax relief o the disposal of small busiess assets by makig a CGT cotributio, or cotribute a employer directed termiatio paymet (DTP) or a persoal ijury paymet. You should talk with your fiacial adviser about how super may be appropriate for your idividual objectives, fiacial situatio ad eeds. How do you cotribute to super? The most commo types of super cotributios ad rollovers are: Rollovers paid from your old super fud to your ew super fud Cocessioal cotributios, geerally your employer cotributios salary sacrifice cotributios, ad persoal deductible cotributios No-cocessioal cotributios, geerally your persoal cotributios spouse cotributios, ad child cotributios. You may also be able to cotribute CGT cotributios, employer directed termiatio paymets (DTP) ad persoal ijury paymets. There are additioal eligibility criteria ad taxatio cosequeces for these types of cotributios. There are various issues you should cosider if you, your spouse or your employer wat to make a super cotributio. How old are you? Geerally your super cotributios must be made before you tur age 75 (or 28 days after the ed of the moth i which you tur age 75). If you are age 65 or over, the work test may require that you work at least 40 hours i a period of o more tha 30 cosecutive days durig the fiacial year for you, your employer or your spouse to make certai types of super cotributios. Have you quoted your Tax File Number (TFN)? If you or your employer does ot quote your TFN to the fud, either: some super cotributios will icur TFN tax of a additioal 31.5% if you are eligible, you may ot receive your Govermet co-cotributio other types of super cotributios will geerally be refuded withi 30 days to the source of the cotributio less taxes, fees, costs ad isurace premiums ad reduced or icreased for market movemets. You may receive a refud of your TFN tax deducted from your accout balace, if you provide your TFN to us withi the followig three years.

24 22 Coloial First State Rollover & Superauatio Fud 5 About superauatio What taxes apply to your super cotributios? You will ot pay ay tax o your rollovers uless it is a utaxed rollover (geerally from a public sector super scheme). The fud deducts the followig taxes from your accout balace o your taxable cotributios (your cocessioal cotributios ad utaxed rollovers ad taxable compoet of a employer directed termiatio paymet (DTP)): cotributios tax of 15%, ad if you or your employer has ot quoted your TFN to the fud by the ed of the fiacial year, TFN tax of a additioal 31.5%. I additio, if you cotribute i excess of the cotributio caps, you will also be liable for: excess cocessioal cotributios tax of 31.5% o your excess cocessioal cotributios Your cocessioal cap is: Uder age /10 $25,000 per aum (Idexed aually to AWOTE i $5,000 icremets.) Age 50 ad over $50,000 per aum util 30 Jue 2012 (trasitioal cap) (From 1 July 2012, the idexed cap for uder age 50s will apply to everyoe.) excess o-cocessioal cotributios tax of 46.5% o your excess o-cocessioal cotributios Your o-cocessioal cap is: Uder age /10 $150,000 per aum, or $450,000 over a three-year period Age 65 ad over $150,000 per aum Your excess cocessioal cotributios also cout towards your o-cocessioal cap. If you make a CGT cotributio or a employer directed termiatio paymet (DTP) you will also eed to cosider the CGT cap ad the DTP cap ad whether these cotributios cout towards the o-cocessioal cap or cocessioal cap. If you make a sigle o-cocessioal cotributio i excess of the o-cocessioal cap, we are required by law to refud the excess to you withi 30 days less taxes, fees, costs ad isurace premiums ad reduced or icreased for market movemets. You are liable to pay excess cotributios tax to the Australia Taxatio Office (ATO) withi 21 days of the assessmet. The ATO will also sed you a release authority: for excess o-cocessioal cotributios tax that you must sed to your super fud withi 21 days to withdraw the amout of the tax from your accout balace, or for excess cocessioal cotributios tax that you may sed to your super fud withi 90 days if you wish to withdraw the amout of the tax from your accout balace. Betwee 20 August 1996 ad 30 Jue 2005, if your taxable icome ad reportable frige beefits exceeded the prescribed caps, the ATO may assess you for cotributios surcharge of up to 15% i respect of taxable cotributios made durig this period. This will also be deducted, pro-rata, across your ivestmet optios, from your accout balace. You should talk with your fiacial adviser about the cotributios suitable to your idividual objectives, fiacial situatio ad eeds. Whe ca you be paid your super? Your super may be left i the fud util you die. However, geerally you ca be paid your accout balace as a retiremet beefit whe you retire. There are other types of super beefits that ca be paid to you. There are various poits you should cosider before requestig a super beefit from the fud. If a particular ivestmet optio is suspeded, restricted or termiated we may ot process withdrawal requests for a super beefit (icludig a rollover) from that optio util further otice. Ay decisios about whether to process withdrawal requests for super beefits will be made i the best iterests of ivestors as a whole. However, we may decide to cotiue to pay pesios from a suspeded, restricted or termiated optio. We may also decide to process a withdrawal request for a particular type of super beefit from a suspeded, restricted or termiated optio o a case by case basis. If you are a temporary residet, you ca oly receive a super beefit i limited circumstaces. Additioally, if you leave Australia ad your visa expires we may be required to pay your accout balace to the ATO. Further iformatio is o page 24 uder the headig Temporary residets. What is the preservatio of your accout balace? Your accout balace is divided ito your: preserved amout restricted o-preserved amout, ad urestricted o-preserved amout. You will fid this iformatio o your super fud half-yearly statemets ad for existig members via FirstNet or by callig us. There are restrictios o withdrawig your preserved ad restricted o-preserved amouts i your accout balace. Your accout balace may iclude o-preserved amouts if you cotributed prior to 1 July 1999 or whe you otify us that you have met the eligibility criteria for: a retiremet beefit a total ad permaet disablemet (TPD) beefit a termial illess beefit, or o your death. If you are paid a super beefit equal to oly part of your accout balace it will be paid from the preservatio amouts i the followig order: urestricted o-preserved amout restricted o-preserved amout, ad preserved amout.

25 Coloial First State Rollover & Superauatio Fud 23 What type of super beefit ca be paid to you? The followig types of super beefits may be paid to you if you are ot a temporary residet, that is if you: are a Australia or New Zealad citize are a permaet residet i Australia hold a 405 or 410 retiremet visa, or have ever held a temporary visa for Australia. If you are a temporary residet of Australia, please refer to page 24 for further iformatio. The types of super beefits A retiremet beefit A rollover A o-preserved cash beefit A pre-retiremet pesio A temporary disability beefit a salary cotiuace icome stream Whe is the super beefit payable? Whe you have retired, meaig: you reach your preservatio age (curretly age 55 icreasig to age 60 from 1 July 2016) ad have ceased a employmet arragemet ad do ot ited to ever agai work more tha 10 hours per week you have ceased a employmet arragemet o or after age 60, or you are age 65 or more Withi 30 days of your properly completed request to pay a amout to aother super fud usig the withdrawal form available o the website Your urestricted o-preserved amouts at ay time Your restricted opreserved amouts whe you cease a employmet arragemet with a employer who made cotributios to your accout You reach your preservatio age (curretly age 55) You have salary cotiuace isurace cover ad the isurer has approved your claim How much is the super beefit (before tax is deducted)? Your accout balace Your accout balace The relevat opreserved amouts i your accout balace Refer to the PDS for FirstChoice Pesio or FirstChoice Wholesale Pesio Mothly icome beefit assessed by the isurer (refer to the Isurace sectio) A permaet disability beefit a total ad permaet disablemet (TPD) beefit A termial illess beefit A death beefit Other withdrawal beefits: a fiacial hardship beefit a compassioate grouds beefit You are permaetly icapacitated, meaig you are ulikely to work due to physical or metal illhealth ad if you have total ad permaet (TPD) isurace cover, the isurer has approved your claim You have a termial medical coditio, meaig two doctors (oe specialist) have certified that you suffer from a illess or ijury, that is likely to result i your death withi 12 moths, ad if you have death isurace cover (which icludes cover for termial illess), the isurer has approved your claim Whe you die ad if you have death isurace cover, the isurer has approved the claim Whe you meet the specific eligibility criteria prescribed by legislatio Please cotact us for further iformatio about claimig these types of beefits Your accout balace plus assessed isurace proceeds (refer to the Isurace sectio) Your accout balace plus assessed isurace proceeds (refer to the Isurace sectio) Your accout balace plus assessed isurace proceeds (refer to the Isurace sectio). Your depedats may also be paid a refud of some or all the cotributios tax you paid o your super cotributios As prescribed by legislatio Ca you take your super beefit as a lump sum or a pesio? All super beefits ca be paid to you as a lump sum except: a salary cotiuace icome stream, or a pre-retiremet pesio. However, you may receive additioal tax icetives or social security beefits if you choose to be paid your super beefit as a pesio rather tha a lump sum. For further iformatio about pesios, please refer to the product disclosure statemet (PDS) for FirstChoice Pesio or FirstChoice Wholesale Pesio. The PDSs are available o our website, coloialfirststate.com.au, or by callig us. You should read the PDS carefully ad assess whether the iformatio is appropriate for you. You should cosider talkig to a fiacial adviser before makig a ivestmet decisio. What will happe to your super if you die? I the evet of your death, a death beefit will become payable from the fud either to: your depedats or your legal persoal represetative omiated o your valid bidig death omiatio form, or i ay other case to your legal persoal represetative to be distributed i accordace with your will or the laws of itestacy. Further iformatio about death beefits is also available o the bidig death omiatio form attached to this PDS.

26 24 Coloial First State Rollover & Superauatio Fud 5 About superauatio What taxes will be deducted from your super beefit? Your accout balace is divided ito your: tax-free compoet Icludes your future additioal: o-cocessioal cotributios tax-free compoet of your rollovers tax-free compoet of your employer directed termiatio paymets (DTP) CGT cotributios, ad persoal ijury paymets taxable compoet Equal to your accout balace less your tax-free compoet ad icludes your future additioal: cocessioal cotributios taxable compoet of your rollovers, ad taxable compoet of your employer directed termiatio paymets (DTP). For further iformatio o your tax compoets, please call Ivestor Services o No tax is payable o: your whole super beefit if you are age 60 or over the tax-free compoet of your super beefit rollovers to a ew super fud or product a termial illess beefit paid as a lump sum, or a death beefit paid: as a lump sum to oe or more of your depedats (either directly or via your legal persoal represetative), or as a pesio to a depedat who is age 60 or over. If you are uder age 60, tax is withheld by the fud from the taxable compoet of your super beefit: depedig o the type of super beefit paid depedig o whether the super beefit is paid to you as a lump sum or a pesio depedig o whether you have reached your preservatio age (curretly age 55 icreasig to age 60 from 1 July 2016) i the case of a death beefit, if it is paid: to someoe who is ot oe of your depedats (either directly or via your legal persoal represetative), or as a pesio to a depedat who is uder age 60. You caot request that you be paid oly your tax-free compoet. Ay super beefit paid to you will be paid i the same proportio as the tax compoets of your total accout balace. If tax is withheld from your super beefit, the fud will give you a Paymet Summary that you must iclude i your persoal icome tax retur. You should refer to the Super terms explaied brochure for further details of the tax rates ad talk with your fiacial adviser about the tax that may apply to your super beefits. Temporary residets From 1 April 2009, chages to legislatio have restricted the circumstaces i which a temporary residet may be paid a super beefit. You are etitled to a departig Australia superauatio paymet (DASP) beefit equal to your accout balace (less tax), if: you are ot a Australia or New Zealad citize, permaet residet i Australia or do ot hold a 405 or 410 retiremet visa you leave Australia your temporary visa has ceased to have effect, ad the Departmet of Immigratio provides us writte evidece of these facts. For iformatio o the taxatio of these types of beefits, please refer above to What taxes will be deducted from your super beefit?. You should cotact the Departmet of Immigratio ad ask it to sed us a Certificatio of Immigratio status: Certificatio of Immigratio Status Departmet of Immigratio ad Citizeship GPO Box 1496 Hobart TAS 7001 Phoe: Super.hobart@immi.gov.au Website: If you are a temporary residet, you may oly otherwise be paid the followig super beefits from FirstChoice: a death beefit a temporary disability beefit i the form of a salary cotiuace icome stream a total ad permaet disablemet beefit a termial illess beefit, or paymet of excess cotributios tax. Tax is withheld by the fud from the taxable compoet of your DASP beefit. You should refer to the Super terms explaied brochure for further details of the tax rates ad talk with your fiacial adviser about the tax that may apply to your DASP beefit. If you have ot requested a DASP beefit withi six moths of the later of your temporary visa expirig ad you leavig the coutry, we may be required to pay your accout balace to the ATO. I these circumstaces you will o loger be a member of the fud ad you will lose ay isurace cover. You will also o loger be ivested i your chose ivestmet optio. Geerally, o iterest accrues o your accout balace from the time it is paid to the ATO. Oce your accout has bee trasferred to the ATO, you may claim your beefit by cotactig the ATO ad dowloadig a DASP applicatio from its website, or by callig it o or ig it at DASPmail@ato.gov.au. Eligible Rollover Fud (ERF) We may trasfer your accout balace to aother super fud, called a ERF, if: your accout balace does ot reach $1,500 withi six moths your accout balace falls below $1,500. We will otify you of the trasfer at your last kow address. The ERF that we have selected is: Coloial SuperTrace Eligible Rollover Fud ABN The trustee is Coloial Mutual Superauatio Pty Ltd ABN Locked Bag 5429 Parramatta NSW 2124 Freecall: Beig trasferred to the ERF will affect your super beefits. The ERF does ot offer isurace ad therefore you will lose ay isurace cover you have uder the Rollover & Superauatio Fud. You ca cotact the ERF to ask for a copy of its PDS to obtai further iformatio about the product, i particular: the goverig rules the differet fee structure, ad the default ivestmet optio, which will directly affect the ivestmet risks ad retur of your ivestmet. You should review your super regularly to evaluate whether the ERF is appropriate for your persoal circumstaces.

27 Coloial First State Rollover & Superauatio Fud 25 Isurace 5 Isurace is a very importat part of your fiacial plaig as it provides you ad your family with fiacial security should somethig uexpected happe to you. Likig isurace to your superauatio ca potetially be both cost ad tax-effective. Types of isurace cover Isurace cover is optioal ad oly offered with your ivestmets i the Coloial First State Rollover & Superauatio Fud. The isurace cover is provided through a policy provided to the trustee by The Coloial Mutual Life Assurace Society Limited ( CommIsure or the isurer ). The followig isurace cover is offered: Type of cover Death oly Death ad Total ad Permaet Disablemet (TPD) Whe is the beefit paid? A beefit is paid i the evet of your death. If you become termially ill a portio or all of your Death beefit may be paid. A beefit is paid i the evet of your death or if you become Totally ad Permaetly Disabled. Your isurace is flexible, ad ca be icreased or reduced to meet your chagig eeds. It is therefore importat that you review your isurace arragemets regularly. We recommed that you speak to your fiacial adviser before applyig for isurace cover. Death cover Termial illess The Termial Illess beefit is a pre-paymet of your Death beefit to a maximum of $1 millio. To be eligible for this beefit, you will eed to provide the isurer with sufficiet specialist medical evidece that you have less tha 12 moths to live. This beefit is oly available prior to your 70th birthday. No beefit is payable if you suffer from termial illess due to itetioal self-iflicted ijury or ifectio, or ay attempt at suicide withi 12 moths of cover commecig, recommecig or icreasig (but oly the icreased beefit will ot be payable). If the Termial Illess beefit is payable, your Death ad TPD cover, if ay, will be reduced by the amout of the Termial Illess beefit. Total ad Permaet Disablemet (TPD) cover You are totally ad permaetly disabled if the isurer is satisfied o medical or other evidece that as a result of illess or ijury you: have bee abset from active employmet for a period of six cosecutive moths, ad have throughout that time bee: uable to work i (whether or ot for reward) ay occupatio for which you are reasoably suited by educatio, traiig or experiece, ad uder the regular treatmet, ad followig the advice, of a legally qualified medical practitioer (other tha the isured member or a immediate family member or busiess parter of the isured member), ad will be so disabled for life. OR You have suffered the permaet loss of the: use of two limbs, or sight i both eyes, or use of oe limb ad the sight i oe eye, where a limb icludes a etire had or a etire foot. Active employmet meas you are: employed to carry out idetifiable duties actually performig those duties, ad i the isurer s opiio ot restricted by illess or ijury from beig capable of performig those duties at least 35 hours per week or the duties of your ormal occupatio at least 35 hours per week (eve if ot workig o a full-time basis). TPD cover while i full-time domestic duties or child rearig If you have bee egaged i full-time domestic duties or child rearig at the time of the sickess or ijury that causes TPD, CommIsure will oly pay a TPD beefit if satisfied o medical or other evidece that as a result of illess or ijury you: have bee uable to perform domestic duties or child rearig ad you have bee cofied to the home for a period of six cosecutive moths are uder the regular treatmet, ad followig the advice, of a legally qualified medical practitioer (other tha the isured member or a immediate family member or busiess parter of the isured member) cotiue to be so icapacitated to the extet that you are uable to egage i (whether or ot for reward) ay occupatio for which you are reasoably suited by educatio, traiig or experiece, ad will be so disabled for life. OR You have suffered the permaet loss of: use of two limbs, or sight i both eyes, or use of oe limb ad the sight i oe eye, where a limb meas a etire had or a etire foot. If the TPD beefit is payable, your Death ad Termial Illess beefit will be reduced by the amout of TPD beefit.

28 26 Coloial First State Rollover & Superauatio Fud 5 Isurace Whe does isurace cover commece? All applicatios for isurace cover will eed to be assessed. Your isurace cover will commece whe: the isurer has accepted your applicatio for isurace, ad you have sufficiet ivestmet balace i the fud to cover the mothly isurace premiums. You will be otified i writig of the isurer s assessmet of your applicatio ad, if it is accepted, the date that your isurace cover or icrease i cover commeces. What iterim isurace cover applies? If you have sufficiet fuds to meet the miimum balace requiremets, the isurer will provide accidetal death cover ad, if applicable, TPD cover while a applicatio for cover or a icrease i cover is beig assessed. The iterim cover is provided based o the level of cover applied for (subject to a maximum of $500,000 for Death ad $500,000 for TPD). Cover is provided from the date a applicatio for Death or TPD cover is received by CommIsure util the earliest of: the date your applicatio is accepted or declied, or the date your applicatio is withdraw, or 90 days from the date CommIsure receives your applicatio, or the date CommIsure cacels the cover, or the date o which a beefit becomes payable. A beefit is payable oly oce, for either accidetal death or TPD but ot both. I the case of accidetal TPD, CommIsure will apply the defiitio of TPD which would have applied to you had you bee accepted for TPD cover but the disablemet must be the result of a accidet. No iterim isurace beefit is payable if death is the result of suicide, itetioal self-iflicted ijury or ifectio, whether or ot you are sae at the time. No iterim isurace beefit is payable if TPD is caused directly or idirectly by war (whether declared or ot) or by itetioal self-iflicted ijury or ifectio or attempt at suicide, whether or ot you are sae at the time. World-wide cover The Policy provides cover 24 hours a day aywhere i the world. However, cover will cease if you leave Australia permaetly. How much does your isurace cover cost? Isurace premiums deped o the type of cover you choose ad the level of cover you require. The premium is also affected by your age, geder, health, whether or ot you smoke ad ay sportig or recreatioal activities i which you may participate. Your occupatio may also affect the cost of your premiums. You ca estimate the mothly premium usig the premium rate table o page 30. To give you a idea where your occupatio might fit we have provided examples of occupatios that fall withi the respective groups. These occupatio group examples apply as at 23 November 2009 ad are iteded as a guide for TPD applicats, ad may chage at ay time. Note: TPD occupatioal loadig factors apply for light blue ad blue collar workers. See premium rates table o page 30 for TPD occupatioal loadig factors. Occupatioal examples White collar Occupatios that require o maual work. For example, clerical, admiistratio, maagerial ad sales roles ot ivolved i ay deliveries or travellig. Light blue collar Occupatios that ivolve up to 20% maual activity. For example, retail sales represetatives, urses or supervisors of maual workers who do ot perform ay maual work themselves. Blue collar Occupatios that ivolve more tha 20% maual work. For example, cleaig, liftig over 5kg, carpetry, plumbig, etc. These would iclude all trades people, delivery drivers, mechaics, etc. Not eligible Occupatios that are determied as hazardous or other occupatios for which the isurer will declie to provide cover. For example, udergroud miers, explosives hadlers. How do you estimate your mothly premium? To estimate the mothly premium applicable to you, fid the premium rate applyig to you from the table o page 30 takig ito accout your geder, age ext birthday ad whether you smoke or ot, the apply the TPD occupatioal loadig factor to the TPD cover, if applicable. The perform the followig calculatio: [Death premium rate + (TPD premium rate x TPD occupatioal factor)] x Isurace Cover ($1,000 x 12) For example, a o-smoker male buildig forema, who will be 33 ext birthday, seekig $500,000 Death ad TPD cover, the mothly premium is estimated to be: = $(1.05 x 500,000) ($1,000 x 12) = $43.75 per moth Please ote: The Death ad TPD rate was calculated by (0.30 x 1.50) = 1.05 (where 1.50 is the TPD occupatioal loadig factor for light blue collar). The above calculatio is oly a estimate. You will be advised i writig of the actual premium ad commecemet of isurace cover depedig o your persoal circumstaces. The isurer may apply a premium loadig, exclusios or other special coditios to ay isurace cover which it accepts. We will otify you i writig if this applies. For more iformatio o TPD occupatio categories please call Ivestor Services o or speak to your fiacial adviser.

29 Coloial First State Rollover & Superauatio Fud 27 Will your premiums chage? Oce you are isured, CommIsure will ot icrease your premium because of ay chage to your health, occupatio or lifestyle. However, if you apply to icrease your cover, CommIsure will take ito accout chages to your health, occupatio or lifestyle ad, if your applicatio is accepted, CommIsure may apply a differet premium to the icreased portio of your cover. Premiums geerally icrease aually i lie with your age. Premium rates ca be varied by CommIsure by providig prior otice. If the isurer does ot receive your premium withi oe moth after its due date, your cover will cease. How are your premiums paid? Isurace premiums are payable i advace ad deducted mothly from your accout. You ca select the ivestmet optio from which the premium is to be deducted. If o ivestmet optio or a ivalid optio is omiated, we will deduct your premium from the first optio ivested i, i order of listig show i brackets uder sectio 9 of the applicatio form. If the deductio of your mothly isurace premium will cause your ivestmet balace to fall below the required miimum of $1,500, the ivestmet may be trasferred to a Eligible Rollover Fud. If this occurs, you will o loger be a member of the fud ad your isurace cover will cease immediately. You will be advised i writig before this takes place. What is paid to your fiacial adviser? We pay commissio of 22% (iclusive of GST) of your mothly premium to your fiacial adviser. This is paid by us ad is ot a extra amout paid from the fud, or is it a amout directly paid by you. What else do you eed to kow? For further iformatio regardig pages 26 to 28, please refer to the sectio Establishig ad trasactig o your accout o pages 17 to 19. Coolig-off period If your applicatio for isurace cover is accepted, we will otify you i writig. You will have a 28-day coolig-off period to review your cover, durig which you ca cacel your cover i writig ad ay premiums paid will be refuded. The 28-day coolig-off period starts o the earlier of: the date writte cofirmatio that isurace cover has commeced is received by you, or the ed of the fifth day after the day o which the cover was issued. Ca you chage your isurace cover at ay time? You may apply i writig to chage your isurace cover at ay time. However, if you apply to icrease your isurace cover, you may be required to provide further health evidece that is satisfactory to the isurer. If your health, occupatio, lifestyle or age is usatisfactory to the isurer, it may declie your applicatio or impose o-stadard terms or adjust your premium rate accordigly. This will ot impact o your curret level of isurace cover. Idexatio Your Death ad TPD cover (up to $1 millio) will be automatically idexed to the Cosumer Price Idex (a measure of iflatio) each year o the aiversary of the commecemet of your isurace cover. Idexatio is based o the percetage icrease i the Cosumer Price Idex (up to a maximum of 7.5% pa). Your premiums will icrease due to this idexatio sice your isurace cover will icrease. If you do ot wat your isurace cover automatically idexed each year, please advise us i writig. What if your isurace cover lapses? If your isurace cover lapses due to o-paymet of premiums, it may be reistated withi 12 moths of your cover ceasig. You will eed to complete a ew isurace applicatio form ad provide satisfactory health evidece to the isurer. Isurace cover will oly recommece whe your ew applicatio is accepted by the isurer ad all premiums are paid. Reductio of beefits Whe a Death beefit becomes payable, all other cover ceases. If a Termial Illess beefit becomes payable, the Death beefit ad, if applicable, the TPD beefit will be reduced by the amout of Termial Illess beefit payable. If a TPD beefit becomes payable, the Death beefit ad Termial Illess beefit will be reduced by the amout of TPD beefit payable. What happes if you leave the fud? If you leave the fud at ay time ad o isured beefit is payable, the you may apply with limited evidece of health to cotiue that cover by takig out a idividual life isurace policy with the isurer. The level of cover uder a idividual life isurace policy will be the level of your cover as at the date you leave the fud. A idividual policy will be issued o the terms ad at the premium rates curret whe the policy is issued. However, it will be subject to ay miimum policy requiremets o-stadard terms, premium loadigs or exclusios that apply uder your Rollover & Superauatio Fud cover. To take advatage of the cotiuatio optio you must apply withi 45 days of your cover ceasig ad you must be less tha 60. A isured member who exercises the cotiuatio optio is ot eligible for future cover uder the Rollover & Superauatio Fud, uless they reapply for isurace cover ad the applicatio is accepted. If your Death ad, if applicable, TPD cover ceases ad you are eligible to exercise the cotiuatio optio for that cover, the isurer will pay a beefit if you die, suffer termial illess or become TPD withi 45 days of your cover edig but before you exercise the cotiuatio optio. Policy variatio We ca by agreemet with CommIsure vary the cotractual arragemets for isurace at ay time. You will be otified of ay variatio which affects you.

30 28 Coloial First State Rollover & Superauatio Fud 5 Isurace Makig a claim ad other iformatio How do you make a claim? We must be otified i writig as soo as possible after you become aware of ay claim or potetial claim. You must provide CommIsure with ay requiremets it reasoably cosiders are ecessary to properly assess the claim. This will be at your expese except that CommIsure will pay for ay medical ad other examiatios it reasoably requires you to udergo, although they will ot pay your travel costs or ay costs icurred for oattedace for ay such examiatio. Paymet of a Termial Illess or TPD beefit is coditioal o you udergoig ay medical or other examiatio which CommIsure reasoably requires. If a claim for a Death, Termial Illess or TPD beefit is accepted, that beefit will be paid to the Capital Secure optio. Ay TPD or Termial Illess beefit ca oly be paid to you if you meet a coditio of release as set out uder superauatio law (see page 22). How are beefits paid? If you die while you are a member of the fud, your Death beefit will be paid i accordace with the fud s trust deed ad the superauatio legislatio (refer to page 23 for further iformatio). If you have provided us with a valid bidig death omiatio ad it is curret, we will pay your Death beefit i accordace with that omiatio. Otherwise, your beefit is geerally paid to your legal persoal represetative for distributio to the beeficiaries of your estate. If o legal persoal represetative is appoited, your beefit may be paid to ay depedat(s) (your spouse, childre or fiacial depedat(s)) or, if oe, the ay other perso. If you are assessed as beig totally ad permaetly disabled, your beefit will, subject to preservatio, be paid to you as a lump sum. Although we are the holder of the Policy, we do ot guaratee the paymet of a isured beefit. Paymets of beefits are subject to the isurer payig the isured amout to us. If beefits are paid they will be paid ito the Coloial First State Rollover & Superauatio Fud Capital Secure optio. Isurace beefits may be subject to differet tax treatmet whe paid. For further iformatio cocerig the taxatio of Death ad TPD beefits or for other questios we recommed that you speak to your adviser. Other iformatio about isurace beefits The paymet of a beefit is subject to the terms of the Policy. We will ot make ay paymet greater tha the amout actually received uder the Policy. Further, o acillary beefit will be provided by us if ot provided by the isurer. We ca vary the cotractual arragemets for isurace at ay time. If the beefit is payable uder the Policy, the beefit will be paid to us ad the paid i accordace with the fud s trust deed. Ay beefit received by the trustee will be paid to your accout ad will be payable i accordace with the requiremets of the trust deed ad the superauatio legislatio. I particular, legislative requiremets o permaet icapacity eed to be satisfied. How to apply You will eed to complete the isurace applicatio form o page 49. Depedig o your age, health ad medical history ad the amout of isurace cover sought you may eed to complete certai additioal tests i order for the isurer to assess your applicatio for isurace cover. Oce your applicatio has bee accepted by the isurer, we will cofirm i writig the amout of cover the isurer has agreed to provide you with. CommIsure may accept a applicatio for cover or a icrease i cover subject to premium loadigs ad o-stadard terms. You will be otified if this is the case.

31 Coloial First State Rollover & Superauatio Fud 29 Summary of eligibility criteria, cover limits, cover ceasig ad exclusios Age Employed Death cover Miimum Etry Age: 17 (ext birthday) Maximum Etry Age: 64 (ext birthday) Not applicable TPD cover Miimum Etry Age: 17 (ext birthday) Maximum Etry Age: 60 (ext birthday) Gaifully employed for more tha 20 hours per week o a regular basis or egaged i full-time domestic duties or child rearig. Cover is ot available to casual employees. Miimum cover No miimum No miimum Maximum cover No maximum Please ote: There is a maximum of $1 millio for Termial Illess cover. $2,000,000 Please ote: Your TPD cover amout caot exceed your Death cover amout. Whe does cover cease? The earliest of: your 70th birthday What exclusios apply? 1 your accout balace is ot sufficiet to cover mothly premiums you cease to be a ivestor i the Rollover & Superauatio Fud whe we receive your writte request to cacel cover the Policy which provides your cover is termiated your death a Termial Illess or TPD beefit is paid which reduces the Death beefit to il date you leave Australia permaetly date you commece active duty with the armed forces of ay coutry. Beefit will ot be paid i the case of suicide or itetioal self-iflicted ijury or ifectio withi 12 moths of commecemet, reistatemet or icrease i cover (i this last case oly the icreased cover is excluded). The earliest of: your 65th birthday your accout balace is ot sufficiet to cover mothly premiums you cease to be a ivestor i the Rollover & Superauatio Fud whe we receive your writte request to cacel cover the Policy which provides your cover is termiated your death a Termial Illess or TPD beefit is paid which reduces the Death beefit to il whe a TPD beefit becomes payable date you leave Australia permaetly date you commece active duty with the armed forces of ay coutry. Beefit will ot be paid i the case of ay itetioal self iflicted ijury or ifectio, or ay attempt at suicide, or war, icludig ay act of war (whether declared or ot). 1 The paymet of isurace beefits is also subject to ay special coditios or exclusios that may apply to you.

32 30 Coloial First State Rollover & Superauatio Fud 5 Isurace Premium rates Death ad TPD Aual premium rate table (per $1,000 sum isured) Male Female Age ext Death oly ($) White collar TPD ($) Death oly ($) White collar TPD ($) birthday No-smoker Smoker No-smoker Smoker No-smoker Smoker No-smoker Smoker Rates i italics are ot applicable to ew applicats, ad are oly available for rate reewals. TPD cover is ot available past age 65. Premium rates show iclude adviser commissio of 22% (iclusive of GST). Premium rates iclude stamp duty. TPD occupatioal loadig factors White collar Light blue collar Blue collar

33 Coloial First State Rollover & Superauatio Fud 31 Other iformatio you eed to kow 6 Additioal iformatio This sectio provides additioal iformatio you eed to kow with regard to the followig areas of your ivestmet i the fud: Trasactios ad uit pricig page 31 Ivestmets page 32 Regulatory page 35 Terms ad coditios page 37 Trasactios ad uit pricig How are your trasactios processed? O occasio, we may ot be able to trasact with you or other persos ad this may iclude delayig, blockig, freezig or refusig to process a trasactio (see page 35 regardig ati moey lauderig laws for further iformatio). Applicatios To esure that your applicatios are processed efficietly, it is importat that you complete all sectios of the applicatio form ad provide us with all documetatio we request (refer to the forms checklist o page 39). I the evet that certai iformatio is ot provided, the followig will apply: if o ivestmet optio is selected, iitial moies will be ivested i the Capital Secure optio if you are aged ad o employmet status is received, we will default to employed for at least 40 hours i 30 cosecutive days i the curret fiacial year if o ivestmet optio or a ivalid optio is selected for deductig the adviser service fee or isurace premiums, we will deduct from the first optio ivested i, i the order of listig uder sectio 9 of the applicatio form uless otherwise specified, additioal deposits ad applicable fees will be ivested i lie with your most recet trasactio (excludig regular ivestmet pla). I certai situatios if all iformatio is ot completed we may ot be able to proceed with your request util the required iformatio is received. I these situatios we may: attempt to cotact you ad/or your adviser (if applicable) hold your applicatio moies i a o-iterest bearig accout util we receive the required iformatio. Fuds are held for a maximum period of 30 days (i a o iterest bearig accout) commecig o the day we receive the fuds, uless we are oly waitig for a Rollover Beefit Statemet where fuds are held for seve days (i a o-iterest bearig accout). After this period your fuds will be retured to the source of paymet. Whe we receive your completed applicatio, we deduct from your ivestmet amout ay applicable cotributio fee. The balace will the be divided by the ext determied etry uit price for that date. For fuds received electroically, either by direct debit, EFT, Bpay or trasfers from aother istitutio, the uit price used will be the oe effective the date the fuds are received i our bak accout; for completed applicatios received i our office prior to 3pm (Sydey time) o a NSW busiess day, the uit price used will be the oe effective that day; completed applicatios received i our office after 3pm (Sydey time) o a NSW busiess day will receive the followig day s etry uit price. I extraordiary circumstaces, we may susped or restrict applicatios ad we may also reject applicatios at our discretio. If we receive a applicatio which icludes a suspeded or restricted optio, we will ivest that allocatio ito the Capital Secure optio ad otify you with your cofirmatio. Switches A switch is treated as a withdrawal from oe optio ad a ivestmet ito aother. Fuds are withdraw at the exit uit price ad the ew uits ivested at the etry uit price. These two trasactios are completed o the same busiess day, uless your switch is from or ito a suspeded, restricted or termiated optio. I this case your switch may ot be processed ad if ay paymet is to be made, the the exit price used to calculate this paymet will be the oe determied at the time the paymet is made. If your switch request icludes a ivestmet ito a suspeded or restricted optio, we will ivest that allocatio ito the Coloial First State Cash optio ad otify you with your cofirmatio. Whe switchig you must esure you have a copy of the curret PDS, which you should retai for future referece. Withdrawals This is a complex area ad has tax implicatios. If you eed further explaatio regardig ay of the terms used i this sectio, please discuss with your fiacial adviser. Withdrawals caot be processed util applicatio cheques are cleared ad all ecessary documetatio is completed. I the evet that certai iformatio is ot provided, the followig will apply: if o paymet method is selected, a cheque will be provided if o ivestmet optios are selected for withdrawal, we will redeem i lie with your existig ivestmet weightigs paymets ca oly be made to Australia fiacial istitutios. Overseas accouts will ot be accepted. If a request is made to trasfer fuds to a overseas accout, a cheque will be provided. Whe we receive your withdrawal request, together with ay documetatio that we may require to establish your idetity, the proceeds are calculated at the ext determied exit uit price. I extraordiary circumstaces, we may susped withdrawals. Whe we receive your withdrawal request, the proceeds are calculated at the ext determied exit uit price. I extraordiary circumstaces (which may iclude where a optio becomes illiquid), we may susped withdrawals or restrict your ability to withdraw.

34 32 Coloial First State Rollover & Superauatio Fud 6 Other iformatio you eed to kow Where a optio is suspeded, restricted or termiated, we may ot process withdrawal requests. Ay decisios whether to process withdrawals or partial withdrawals will be made i the best iterests of ivestors as a whole, ad if ay paymet is to be made, the the exit price used to calculate this paymet will be the oe determied at the time the paymet is made. Withdrawals (icludig rollovers to other fuds) will geerally be take proportioately from the taxable ad tax-free compoets of your superauatio. Uless otherwise specified, the amout requested is et of ay lump sum tax. Uless otherwise specified, beefits rolled over to other fuds are allocated i the order show below: 1. Urestricted o-preserved 2. Restricted o-preserved 3. Preserved. I the case of multiple rollovers, the above compoets ad preservatio beefits are rolled over to each fud o a pro rata basis. Trasactio cut-off times If your valid trasactio request is received i our office before the relevat cut-off time as show i the table below, it will be processed that day usig the ext determied uit price. Trasactio Iitial ivestmets Additioal ivestmets Switches Withdrawals Cut-off time 3pm (Sydey time) o a NSW busiess day 3pm (Sydey time) o a NSW busiess day 3pm (Sydey time) o a NSW busiess day 3pm (Sydey time) o a NSW busiess day If your valid trasactio request is received after the cut-off times show above, your trasactio will be processed o the followig NSW busiess day. Trasactio processig ad uit prices We calculate uit prices each NSW busiess day. If your valid ivestmet, switch or withdrawal request is received by the relevat cut-off time, you will receive the ext determied uit price. The ext determied uit price for ay NSW busiess day is calculated at the close of tradig of all markets of that day. Therefore, the ext determied uit price is ot kow util the followig busiess day. It is importat to cosider this whe makig your trasactio request. Please ote: If you ask for a uit price or ivestmet valuatio we ca provide a historical uit price or ivestmet valuatio oly. How are uit prices calculated? Whe you ivest, you are allocated a umber of uits i each optio you have selected. Each of these uits represets a equal part of the market value of the portfolio of ivestmets that the optio holds. As a result, each uit has a dollar value, or uit price. The uit price is calculated by takig the total market value of all of a optio s assets o a particular day, adjustig for ay liabilities ad the dividig the et optio value by the total umber of uits held by all ivestors o that day. Although your uit balace i a optio will stay costat (uless there is a trasactio o your accout), the uit price will chage, accordig to chages i the market value of the ivestmet portfolio or the total umber of uits issued for the optio. We determie the market value of each optio based o the iformatio we have most recetly available. What is the differece betwee etry ad exit uit prices? There is a differece betwee the etry ad exit uit price for a optio, quoted o ay busiess day. This differece relates to the optio s trasactio costs from buyig ivestmets (whe moey is added to the optio), ad sellig ivestmets (whe withdrawals are made) ad is ofte called a buy/sell spread. So that existig ivestors do ot cotiually bear the trasactio costs resultig from ivestmets or withdrawals that you make, all ivestors pay a set, average amout (a buy/sell spread) whe they trasact. This is calculated accordig to the particular types of ivestmets a optio holds. Not all ew ivestmets or withdrawals cause trasactio costs to be payable to a optio, for example, where a ivestmet does ot icur ay sigificat costs, or whe a ew ivestmet coicides with a withdrawal by someoe else. However, to be cosistet, we geerally apply trasactio costs to all ew ivestmets ad withdrawals from a optio. Refer to page 14 for the trasactio costs ( buy/sell spreads) that apply to each optio. Uit pricig adjustmet policy There are a umber of factors used to calculate uit prices. The key factors iclude asset valuatios, liabilities, debtors, the umber of uits o issue ad, where relevat, trasactio costs. Whe the factors used to calculate the uit price are icorrect, a adjustmet to the uit price may be required. We geerally use a variace of 0.30% (0.05% for a cash ivestmet fud) i the uit price before correctig the uit price. If a uit pricig error is greater tha or equal to these variaces, we will: compesate your accout balace if you have trasacted o the icorrect uit price or make other adjustmets as Coloial First State may cosider appropriate, or where your accout is closed, we will sed you a paymet if the amout of the adjustmet is more tha $20. These tolerace levels are cosistet with regulatory practice guidelies ad idustry stadards. I some cases we may compesate where the uit pricig error is less tha the tolerace levels. Ivestmets Do the optios borrow? Except for the geared share optios, most optios do ot borrow except for short-term arragemets for settlemet purposes or if a emergecy or extraordiary situatio arises. Borrowig ca oly occur i lie with a optio s ivestmet strategy. Please refer to pages 9 to 12 for more iformatio o these strategies. Do the optios egage i securities ledig? Some of the optios may either borrow or led securities by eterig ito securities ledig trasactios, as part of their ivestmet strategies. Uder a securities ledig trasactio, securities are let to a third party (borrower) by the securities ower (leder) for a period of time i retur for a fee. Securities ledig exposes both the leder ad the borrower to additioal risks. These may cause a loss to the affected optios; however, processes are i place to maage these risks where possible, icludig requiremets for borrowers to provide sufficiet collateral as security ad eforceable legal cotracts betwee the parties.

35 Coloial First State Rollover & Superauatio Fud 33 Additioal iformatio o geared optios We suggest you cotact your fiacial adviser about the impact of gearig o your portfolio. There are curretly two geared optios: the Geared Share optio ivests i a portfolio of Australia compaies, while the Geared Global Share optio ivests i compaies from aroud the world. What is gearig? Gearig is borrowig moey to icrease the amout available for ivestmet. Our geared optios borrow moey at competitive istitutioal rates, ad ivest both your moey, ad the borrowed amout, i high quality listed compaies. Oe of the beefits of gearig withi the fud is that, ulike margi loas, ivestors are ot required to apply additioal fuds to meet borrowig costs or margi calls. All obligatios are met by the optios. Gearig icreases the gais, as log as these gais (icludig divideds) are more tha the borrowig expeses ad also icreases the losses from ivestmets compared to the returs o a correspodig ugeared ivestmet. Please ote: Geared share fuds are regarded as high risk fuds compared with ugeared fuds, ad there may be sigificat fluctuatios i the value of your ivestmet. The gearig level i a optio is measured as the ratio of total debt to total assets. For example, if the debt is $50 ad assets are worth $100, the gearig ratio is 50%. At this ratio, for every $1 you ivest, the optio borrows aother $1 to icrease your ivestmet to $2. How does the gearig work i the Geared Share optio? The Geared Share optio ivests ito the Coloial First State Wholesale Geared Share Fud. The Wholesale Geared Share Fud is maaged, as far as possible, so that icome from divideds ad iterest exceeds the cost of borrowig ad other expeses, to esure the preservatio of frakig credits, which are passed o to you. This process of maagig icome ad expeses is called dyamic gearig because the gearig ratio may vary accordig to market coditios, i particular, the relatioship betwee divided yields ad market iterest rates. The gearig ratio is the total amout borrowed expressed as a percetage of the total assets of the optio. Dyamic gearig is also a prudet approach which forces a lower gearig ratio whe borrowig costs are relatively high or divided yields reduce. For example, if it costs 6% per aum to borrow moey, ad the optio ears a et 3% per aum i divideds ad icome, this gives a gearig ratio of 50%. However, if the borrowig cost rises to 6.50% per aum, with icome uchaged, the gearig ratio would fall to about 46%. Uder dyamic gearig, the gearig ratio is maaged at our discretio, but we usually borrow to the maximum amout possible, subject to the availability of debt ad esurig that estimated icome exceeds estimated expeses. No additioal borrowig is made whe the gearig ratio is at 55% or above. The gearig ratio varies daily due to chages i the value of the assets i the optio, ad applicatios or redemptios. If these chages cause the gearig ratio to exceed 60%, we repay debt withi a reasoable amout of time. I the evet of the gearig ratio exceedig 75%, we will susped the processig of redemptio requests util the gearig has decreased to below 75%. The table below illustrates the relatioship betwee the iterest rates o borrowigs, divided yields ad the gearig levels of a dyamically geared optio. Theoretical gearig level (%) 1 Iterest rate o borrowig (pa) Divided yield (et of fud expeses) 2.50% 3.00% 3.50% 4.00% 4.00% % % % This prudet approach to gearig is especially appropriate because trust structures, such as the Wholesale Geared Share Fud, are uable to pass tax losses o to ivestors. Losses ca oly be offset agaist future icome or capital gais withi the fud. How does the gearig work i the Geared Global Share optio? The Geared Global Share optio ivests ito the Coloial First State Wholesale Geared Global Share Fud. The Wholesale Geared Global Share Fud is maaged with a target gearig ratio of 33.3%, with a usual 5% tolerace either side of this level. This variatio above 33.3% will ot be created deliberately, but rather by declies i asset values or redemptios. If the gearig ratio is more tha 38.3%, we take the gearig ratio back below this level withi a reasoable amout of time by reducig the fud s borrowigs. I the ulikely evet that the gearig ratio is more tha 60%, withdrawal requests for the fud may ot be processed util the gearig ratio is brought back below 60%. With a gearig ratio of 33.3%, for every $2 you ivest, the fud borrows aother $1 to icrease your exposure to global shares. I other words, the borrowig of $1 is supported by $3 of assets. The dyamic gearig approach is ot used for the Wholesale Geared Global Share Fud because foreig compaies do ot pay frakig credits. How do geared share optios borrow? The geared share optios raise moey either by issuig securities ito the capital markets or borrowig at competitive rates from a large umber of major iteratioal ad domestic baks. Iterest ad associated costs are payable from the optios. Providers of fudig have priority over optio ivestors for iterest ad pricipal repaymets, i lie with the ledig arragemets i place. To miimise the risk to ivestors, leders do ot have additioal recourse to ivestors if the fuds are uable to pay their obligatios uder the loa facilities. What are the additioal risks of gearig? A geared optio will uderperform a comparable ugeared portfolio whe the cost of borrowig exceeds the retur o the ugeared ivestmet (igorig the effects of frakig credits). How does a geared optio compare to margi ledig? Gearig is similar to margi ledig i its ability to icrease exposure to shares, but a iterally geared optio has the followig additioal features: you are ot subject to margi calls you do ot provide additioal security from other assets because leders have o recourse to you beyod the assets of the fud itself 1 The optio will stop additioal borrowig at 55%, but the gearig may rise above this level due to market movemets or redemptios.

36 34 Coloial First State Rollover & Superauatio Fud 6 Other iformatio you eed to kow you do ot eed to make a credit applicatio, or is there checkig of icomes, assets ad credit history iterest costs are usually sigificatly lower because the fud borrows at istitutioal rates. How is currecy risk maaged? Chages i the value of the Australia dollar lead to a differece betwee the foreig currecy returs or the value of the global ivestmets held by a optio ad those returs or values expressed i Australia dollars. This is kow as foreig currecy risk. Currecy is ot a asset class ad therefore does ot give a optio either atural log-term growth or a icome stream. Rather, currecy exposure gives rise to a source of potetial volatility of returs both positive ad egative. Fiacial istrumets ca be used to reduce currecy risk this is kow as hedgig. Hedgig is a process where exposure to oe currecy ca be reduced or removed by eterig ito a trasactio that offsets that exposure. If a optio is uhedged, the ay foreig currecy ivestmets the optio holds are fully exposed to movemets i the Australia dollar, which ca have a positive or egative effect o the value of the optio. Whether a optio is hedged or uhedged is disclosed uder each optio s strategy o pages 9 to 12. The extet to which a optio is hedged depeds o the uderlyig objectives ad risk characteristics of the optio. The extet of hedgig may also vary over time depedig o the value of the Australia dollar. We aim to hedge currecy risk arisig from global fixed iterest ad global property securities exposure. For global shares exposure, we offer optios that do ot hedge, partially hedge or aim to fully hedge currecy risk. Whe implemetig a partial currecy hedge, our process focuses o usig hedgig to partially preserve the gais that are made whe the Australia dollar falls i value. This helps reduce the impact of later periods of currecy rises i value. Whe the Australia dollar is tradig at a level we believe to be close to, or above, fair value, the o hedgig of the foreig currecy exposure for the ivestor s capital will take place. Where fudig is raised i a foreig currecy for ay geared share optio, we aim to hedge up to 100% of foreig currecy risk. For more iformatio o how we maage currecy, please see the iformatio flyer Maagig Currecy Risk available at coloialfirststate.com.au or by callig us o Are labour stadards or evirometal, social or ethical cosideratios take ito accout? As the trustee, we do ot specifically take ito accout labour stadards or evirometal, social or ethical cosideratios whe makig ivestmet decisios. However, where those factors egatively impact ivestmet performace or compay stability, we may discuss these matters with compay maagemet ad/or review our decisio to hold the specific ivestmet. Reviews are o a case by case basis as such factors arise. We do ot use ay specific methodology for such reviews or have predetermied views about the extet to which such factors will be take ito accout i a review. Whe we outsource ivestmet maagemet we do ot specifically take ito accout labour stadards or evirometal, social or ethical cosideratios. However, we may cosider these factors to the extet that they impact o a maager s orgaisatioal stability, reputatio ad performace. Each ivestmet maager may have its ow policy o the extet to which labour stadards or evirometal, social or ethical cosideratios are take ito accout whe makig ivestmet decisios. These policies are ot specifically cosidered i selectig maagers. What ivestmets ca the fud hold? The trust deed of the fud allows Coloial First State a great deal of discretio about what ivestmets are held i the optios. This documet outlies the ivestmets iteded to be held. If we decide to chage we will advise you beforehad. The Commowealth Bak of Australia (the Bak), our paret compay, is listed o the Australia Securities Exchage (ASX). We are permitted to hold shares i the Bak uder ASIC relief o certai coditios which iclude that ay such holdig is ot voted ad the total holdigs for all etities i the Bak Group do ot exceed 5% of the issued capital of the Bak. What is the meaig of allocatio? Each optio ivests i a uderlyig pool maaged accordig to the ivestmet optio s objectives. Allocatio refers to how each optio is ultimately ivested i other optios, sectors ad/or pools. The day-to-day allocatios may vary slightly from those show. A referece to Australia shares or compaies for a optio may iclude, for example, uits i trusts listed o the ASX ad/or ivestmets i compaies listed o a overseas stock exchage if they are also listed o the ASX. Property securities ca iclude ifrastructure ivestmets ad trusts or compaies ivolved i property-related activities. Withi their allocatios to listed securities, some of the optios may purchase ulisted securities o the basis that the securities will list i the future. Further details o the securities each optio ca hold are outlied o pages 9 to 12. Chages to ivestmet optios Coloial First State may, without prior otice to ivestors, add, close or termiate a ivestmet optio, or chage a ivestmet maager. Ay chage would be cosidered i light of the potetial egative or positive impact o ivestors. We will otify existig ivestors i affected optios of ay material chage as soo as practicable. Updated iformatio that is ot materially adverse ca be obtaied by callig Ivestor Services o or by visitig our website, coloialfirststate.com.au. A paper copy of the updated iformatio will be provided free of charge o request. How are the optios structured? Coloial First State maages over 50 separate ivestmet pools. Some of these have the same ivestmet objectives ad ivest i the same assets, but are part of differet legal etities. To maitai cosistet performace ad achieve admiistrative efficiecy across the pools, we ivest them ito sigle uderlyig wholesale fuds wherever possible. You do ot pay ay additioal fees for this arragemet. All the ivestmet optios i this documet ivest i uderlyig wholesale fuds. As such, refereces i this documet to the ivestmets held i each optio refer to the uderlyig fuds. Please ote that each of the ivestmet optios may hold additioal cash ad tax-related assets to the figures show o pages 9 to 12. We are the resposible etity for the uderlyig fuds.

37 Coloial First State Rollover & Superauatio Fud 35 Iformatio o exteral maager Coloial First State has appoited Welligto Maagemet Compay, llp as the ivestmet maager for the Global Health & Biotechology optio ad the Global Techology & Commuicatios optio. We may chage the maager at ay time at our absolute discretio. If we do so, we will otify you of the chage. Welligto Maagemet Compay, llp is oe of the oldest ad largest idepedet ivestmet maagemet firms i the world. Based i Bosto, USA, the firm maages over A$554 billio (as at 30 Jue 2009) i assets for istitutioal cliets i over 40 coutries. A private partership focused exclusively o maagig moey, the firm coducts extesive global, proprietary research. Regulatory Do you have to quote a Tax File Number (TFN)? We ca collect your TFN uder the Superauatio Idustry (Supervisio) Act. It is ot a offece ot to quote your TFN. Please ote: If we do t have your TFN, cocessioal cotributios made to your accout will be taxed at the top margial tax rate istead of the ormal cocessioal tax rate of 15%. Additioally, you wo t be able to make ay o cocessioal cotributios. Also, if you do ot provide your TFN, the: more tax may become payable o your beefits tha would otherwise be payable it may become more difficult to locate or amalgamate your superauatio beefits i the future to pay you ay beefits you are etitled to. If you provide your TFN to us, we will use it oly for legal purposes, which iclude: fidig, idetifyig ad amalgamatig your superauatio beefits where other iformatio is isufficiet (icludig usig the ATO Supermatch program which eables the fud to track dow lost or uredeemed moies o your behalf) calculatig tax o ay beefit you may be etitled to ad providig iformatio to the Commissioer of Taxatio (icludig disclosig your TFN). Please ote: The legal purposes may chage i the future followig legislative chage ad the cosequeces of ot providig the TFN may also chage as a result. If you provide your TFN to us, we may provide it to aother superauatio fud trustee or Retiremet Savigs Accout provider to whom your beefits are to be rolled over, uless you request us ot to do so i writig. I all other respects your TFN will be treated as cofidetial. What is the trust deed? The Coloial First State Rollover & Superauatio Fud is govered by a trust deed. This, together with the relevat laws ad this PDS, govers our relatioship with you ad sets out your rights as a ivestor. The trust deed may be altered. If, i our opiio, a alteratio would adversely affect the rights of ivestors, the we will ot make the variatio without iformig ivestors. You will be give 30 days otice. You ca ispect a copy of the trust deed at our head office or we will provide you with a copy free of charge o request. Ati-Moey Lauderig ad Couter-Terrorism Fiacig laws We are required to comply with these laws, icludig the eed to establish your idetity (ad, if relevat, the idetity of other persos associated with your accout). Istructios for completig the idetificatio process are icluded with the applicatio forms i this PDS. Additioally, from time to time, we may require additioal iformatio to assist with this process. We may be required to report iformatio about you to the relevat authorities. We may ot be able to tell you whe this occurs. We may ot be able to trasact with you or other persos. This may iclude delayig, blockig, freezig or refusig to process a trasactio. This may impact o your ivestmet ad could result i a loss of icome ad pricipal ivested. How is your persoal iformatio dealt with? The privacy of your persoal iformatio is importat to us. We form part of the Commowealth Bak Group of compaies ( Group ), a well kow fiacial services orgaisatio. The Group offers a broad rage of products ad services. We collect persoal iformatio so that you ca be provided with the products ad services you request. We may also share persoal iformatio with other Group compaies so that you ad the Group ca have access to a itegrated view of the relatioship. The Group may also tell you about other products ad services that might suit your fiacial, lifestyle or electroic eeds. The law also requires us to collect persoal iformatio. We may disclose persoal iformatio to other parties (cofidetiality arragemets apply) for certai purposes that we outsource, icludig bulk mailig, market research ad iformatio techology support ad i order to comply with our legal obligatios. We also seek expert help from time to time to help us improve our systems, products ad services. Your persoal iformatio may be disclosed to these third parties i such circumstaces. Your persoal iformatio will ot be shared with other third parties (except with our related bodies for prudetial ad risk maagemet purposes or as otherwise set out i this statemet). The law also requires us to collect ad verify persoal iformatio about you. We may also collect ad verify iformatio about persos who act o your behalf. The collectio ad verificatio of iformatio about idetity helps us to protect agaist idetity theft, moey lauderig ad other illegal activities. Depedig o whether you are a idividual or a orgaisatio, the iformatio we collect will vary. Durig the course of your dealigs with us, we may also collect ad verify further iformatio about you or other persos who act o your behalf. We may be permitted or required to disclose customer iformatio by law, eg uder Court Orders or Statutory Notices pursuat to taxatio or social security laws or uder laws relatig to sactios, ati-moey lauderig or couter-terrorism fiacig. Your persoal iformatio may also be used by us to admiister, moitor ad evaluate products ad services, gather, aggregate ad report statistical iformatio, assist you with ay queries ad take measures to detect ad prevet fraud ad other illegal activity. We may also be allowed or obliged to disclose or receive iformatio by law ad to report o prudetial or risk maagemet matters.

38 36 Coloial First State Rollover & Superauatio Fud 6 Other iformatio you eed to kow If you otify us that you have a persoal fiacial adviser, the details of your ivestmet will be provided to them. If you hold our products ad services through a Commowealth Fiacial Plaer, who is part of the Group, persoal iformatio may be used by other Group compaies for marketig purposes. We aim to esure that the persoal iformatio we retai about you is accurate, complete ad up-to-date. If you provide us with icomplete or iaccurate iformatio, you may be i breach of the law ad we may ot be able to provide you with the products or services you have requested. If you have cocers about the completeess or accuracy of the iformatio we have about you or would like to access or amed your iformatio, simply call us o or sed a to cotactus@coloialfirststate.com.au. You ca cotact us if you do ot wat to receive ay marketig iformatio from us or ay other Group compay. You may be cotacted by telephoe uless you ask us ot to do so. To stop receivig telemarketig, please call If you would like a copy of our Privacy Policy Statemet, visit our website at coloialfirststate.com.au or call the above umber. You will be take to agree to the collectio, use ad disclosure of your persoal iformatio as set out above whe you apply to make a ivestmet i the fud. Is there a coolig-off period? A 14-day coolig-off period will apply to your iitial ivestmet i the fud i certai circumstaces. If, durig the 14-day coolig-off period, you decide that the fud does ot meet your eeds, the simply advise us i writig. The 14 days start whe your trasactio cofirmatio is received by you or five days after your uits are issued, whichever is earlier. We will refud your ivestmet, reduced or icreased for market movemets. We will also deduct ay tax or duty icurred ad a reasoable amout for trasactio ad admiistratio costs. As a result, the amout retured to you may be less tha your origial ivestmet. Please ote that the coolig-off period will lapse if you trasact o your accout withi the 14 days. Amouts that are, or become preserved or restricted opreserved caot be refuded directly to you if you take advatage of the 14-day coolig-off period (uless you satisfy a coditio of release). We will roll over or trasfer these amouts to the superauatio fud, Retiremet Savigs Accout or Approved Deposit Fud you omiate. Uder ormal circumstaces, we will retur your ivestmet withi seve workig days of you otifyig us (ad where relevat, oce we have established your idetity). For more iformatio, please call Ivestor Services o Would you like to give us feedback, or do you have a questio or complait? If you have a equiry, a problem we ca help you with, or would simply like to give us feedback, the you ca cotact us by: Callig us o , Moday to Friday, 8am to 7pm, Sydey time ig us at cotactus@coloialfirststate.com.au Writig to us at Coloial First State Reply Paid 27 Sydey NSW 2001 We value your commets ad work hard to address ay problems we become aware of, but if we are uable to resolve a problem to your satisfactio you ca take it further by cotactig the Complaits Resolutio Officer usig the above cotact details. We esure that ay complait is properly cosidered ad respoded to swiftly, i most cases this will be withi 14 days. If you would like more iformatio o our complaits procedure, please cotact us. We hope that you are satisfied with how we address your complait, but if our respose is ot adequate, or if you have ot received a respose after 90 days, you ca have your complait reviewed by the Superauatio Complaits Tribual. You ca phoe the Tribual toll free o Providig a Power of Attorey Your applicatio ca be completed uder a Power of Attorey, as log as a certified copy of the Power of Attorey documet, alog with a sample of the Attorey s sigature is provided. We will oly accept a applicatio siged uder Power of Attorey if (amog other thigs) we have successfully idetified ad verified the idetity of your Attorey. We must do this i order to comply with Ati-Moey Lauderig ad Couter- Terrorism Fiacig laws. The Attorey will also eed to complete a power of attorey idetificatio form which ca be obtaied from our forms library at coloialfirststate.com.au or by phoig Ivestor Services o Are there ay other beefits to Coloial First State? I cosideratio of stockbrokig fees paid for the purchase ad sale of the fud s assets, certai stockbrokers may pay for some of our third party research ad fiacial markets data, or other alterative research ad executio services set out i the relevat IFSA Guidace Note. Such paymets are moitored by us to esure that ay such arragemet is appropriate ad i the best iterests of ivestors. A copy of our policy is available o request. The optios receive bakig ad treasury-related services from the Bak i the ormal course of busiess ad pay ormal commercial fees for them. Coloial First State may derive moetary or admiistrative beefits from the Bak as a cosequece of maitaiig the fud s bak accouts with the Bak ad through performig admiistratio services for Bak products. For the geared share optios where moey is borrowed from members of the Bak, the terms are substatially the same as for other leders.

39 Coloial First State Rollover & Superauatio Fud 37 Terms ad coditios These terms ad coditios apply whe you ope a accout with us ad istruct us by phoe or fax, or access FirstNet or FirstLik. It is importat that you read them carefully before you provide us with istructios so that you kow what will apply to your trasactios. Limitatio of liability All other represetatios ad warraties relatig to these services are excluded except for ay term which is implied by law, which is take to be icluded i these terms ad coditios. But our liability for breach of that term is limited to resupplyig the service or payig the cost of providig the service agai. Subject to the paragraph above, we are ot liable i ay way (icludig i egligece) for ay losses that you suffer (however caused) through usig or supplyig iformatio by phoe, fax, , FirstNet or FirstLik. You ackowledge ad agree that we will ot be liable to you for ay loss you suffer (icludig cosequetial loss) caused by a iability to trasact with you or other persos. This may iclude delayig, blockig, freezig or refusig to process a trasactio. You agree to use these services oly i accordace with these terms ad coditios ad your other legal obligatios. We are ot liable for, ad you release ad idemify us agaist ay liabilities, claims, losses or costs arisig from our actig i accordace with ay commuicatio that we receive by phoe, fax, or about your accout or ivestmets with us or arisig from the use of FirstNet or FirstLik by you or ay perso usig your OIN ad PIN. Use of telephoe ad fax Security of phoe ad fax requests We have procedures i place to reduce the risk of fraud, but we caot guaratee that someoe tryig to impersoate you will ot cotact us about your accout ad chage your details or make a withdrawal. We may dispute liability for ay losses which happe because we have acted o phoe or fax istructios that you have ot authorised but which appear to be authorised by you. All our customers are automatically give access to commuicate with us by phoe ad fax. You eed to tell us if you do ot wat us to accept ay future istructios over the phoe or by fax by sedig us a origial siged request. We will block access to your accout for phoe ad fax istructios by the secod busiess day after we receive that request. Util this happes, these terms ad coditios for phoe ad fax will still apply to your accout. If you are a joit accout holder, ay of the joit accout holders may give us istructios by phoe about the accout. If the accout holder is a compay, ay director of the compay may give us istructios by phoe about the accout. Iformatio received by phoe or fax If the details that we receive i a fax or over the phoe do ot match the details that we have previously received for the accout, the we will ot proceed with the request. We also will ot process a request if the istructios we receive are icomplete or appear to cotai errors. This is to esure that the trasactio we perform is exactly what you were requestig. Fax machies may be coveiet, but they are ot always reliable. If a query arises over what iformatio we received by fax, we will ot accept a fax trasmissio report from your machie as evidece that we received the fax. This is because, although your fax machie may have cofirmed that the fax was set, we may ot have received the complete fax at our ed. We ca chage or cacel these terms for phoe ad fax at ay time as log as we give you 14 days writte otice. Apart from these terms ad coditios, we may have other requiremets for receivig istructios from time to time. You will be otified if this affects you or your request. Use of FirstNet ad FirstLik OIN ad PIN You must keep your OIN ad PIN secret. You should ot disclose them to ayoe or record them i a way which could affect their cofidetiality. If you give someoe else permissio to use your OIN ad PIN, you are resposible for ay trasactios they perform or chages they make to your accout iformatio, or aythig that happes because you gave them that permissio. Ayoe ca access FirstNet or FirstLik if they have a valid OIN ad PIN. This meas that if someoe else has your OIN ad PIN, they ca access your accout iformatio ad make trasactios, eve if you have ot authorised them to use your OIN ad PIN. We are ot resposible to you ad will ot pay for ay losses that may happe because we acted o ay istructios received through FirstNet or FIrstLik which used your OIN ad PIN, whether or ot these istructios were authorised by you. You must tell us immediately if you thik that someoe has accessed your accout without your permissio or if you thik that someoe else may kow your OIN ad PIN. We will stop access to the accout ad issue a ew PIN. Access to FirstNet ad FirstLik You ca tell us if you wat to permaetly stop usig FirstNet ad FirstLik by sedig us a origial siged request. We will block FirstNet ad FirstLik access to your accout o the secod busiess day after we receive that request. Util this happes, these terms ad coditios will still apply to your accout. We ca stop or restrict your access at ay time ad for ay reaso. We do ot guaratee or warrat that the use of FirstNet or FirstLik will be uiterrupted or error free. We also do ot warrat that it is suitable for ay particular purpose or has ay performace, fuctioality or security features, except what we are legally obliged to provide. We will take all reasoable steps to make sure that the iformatio that you access through FirstNet or FIrstLik is up to-date ad correct. Whe you are joit accout holders, ad oe of you registers for FirstNet trasactio access, both of you are take to have agreed to ay trasactios o your accout through FirstNet.

40 38 Coloial First State Rollover & Superauatio Fud 6 Other iformatio you eed to kow Trasactig o FirstNet ad FirstLik W W Trasactio access meas the ability to review, modify or update your cotact details ad accouts olie, apply for, withdraw ad switch uits betwee fuds or optios ad set up automatic facilities or features. You agree to use this service i accordace with these terms ad coditios. We will oly act o trasactio requests that are complete, received i full ad do ot appear to cotai ay errors. For FirstNet, a trasactio referece oscree is evidece that the commuicatio has bee completed. We are ot liable for ay losses or delays that occur because we did ot receive a istructio. If there are ay govermet fees ad charges icurred by us i relatio to your use of FirstNet or FirstLIk, we ca debit these from your accout. You must oly use FirstNet to obtai iformatio that you are properly authorised to access ad to use this iformatio oly for lawful purposes. We ca chage these terms ad coditios at ay time by placig the chages o our website. We may ask you to read ad accept ay ameded terms ad coditios so you ca keep usig FirstNet or FirstLik. However, uless otherwise required by law, oce we have placed them o the website they are bidig o you, eve if you have ot read them. We recommed that you check these terms ad coditios o a regular basis. These terms ad coditios iclude ay istructios for usig these services provided to you or placed o our website from time to time. Direct debit customer service agreemet Our commitmet to you We will sed you regular trasactio statemets i additio to the iitial cofirmatio of your drawigs. Where the due date for a drawig falls o a o-busiess day, we will draw the amout o the ext busiess day. We will provide writte otice of ay proposed chages to your drawig arragemet, providig o less tha 14 days otice. We may termiate your direct debit arragemet if drawigs are retured upaid, or if debit is usuccessful three times i ay 12-moth period. We will keep all iformatio provided by you, ad details of your omiated accout at the fiacial istitutio, private ad cofidetial. We will ivestigate ad deal promptly with ay queries, claims or complaits regardig debits, providig a respose withi 20 busiess days. Your commitmet to us It is your resposibility to check with your fiacial istitutio prior to completig the direct debit request, that direct debitig is available o that accout. It is your resposibility to esure that the authorisatio o the direct debit request is idetical to the accout sigig istructio held by the fiacial istitutio of the omiated accout. It is your resposibility to esure at all times that sufficiet fuds are available i the omiated accout to meet a drawig o the due date for paymet. It is your resposibility to advise us if the accout omiated by you to receive the drawigs is altered, trasferred or closed. It is your resposibility to arrage with us a suitable alterate paymet method if the drawig arragemets are stopped either by you or by the omiated fiacial istitutio. It is your resposibility to meet ay charges resultig from the use of the direct debit system. This may iclude fees charged by us as a result of drawigs retured upaid. Your rights You may request to defer or alter the agreed drawig schedule, by givig writte otice to us. Such otice should be received by us at least five busiess days prior to the due date for the ext drawig. You may cacel the direct debit arragemet at ay time by givig writte otice to us. Such otice should be received by us at least five busiess days prior to the due date for the ext drawig. Your omiated fiacial istitutio may also accept a request to cacel your direct debit arragemet with us. All trasactio disputes, queries ad claims should be raised directly with us. We will provide a verbal or writte respose withi 20 busiess days from the date of the otice. If the claim/dispute is successful, we will reimburse you by way of cheque or electroic credit to your omiated accout. Please phoe Coloial First State Ivestor Services o with ay equiries or sed a to cotactus@coloialfirststate.com.au.

41 Coloial First State Rollover & Superauatio Fud 39 Applicatio form checklist 7 Sed your completed applicatio form ad cheque (if required) to: Coloial First State, Reply Paid 27, Sydey NSW 2001 Which forms should you complete? How ca I Applicatio Form (page 41) Request to Trasfer (page 73) Isurace Applicatio (page 49) Bidig Death Nomiatio (page 67) Direct Debit Authority (page 69) Make a superauatio cotributio 3 Trasfer/Roll over superauatio fuds from aother istitutio Apply for isurace cover Nomiate who receives my beefit o death Establish a third party direct debit Rollover & Superauatio Fud applicatio form (refer to page 41) To esure that we are able to process your applicatio quickly ad efficietly, please check that you have completed the followig steps: Step 1 Part A Your details Complete sectios 1-5 Accout details Ivestor details Cotact details Employmet details Bak accout details Nomiate to ope a ew accout or ivest additioal fuds i a existig accout Provide your full ame, date of birth ad Tax File Number (refer to pages 21 ad 35 for further details) Provide your cotact details, icludig residetial address Idicate your employmet status ad complete the other applicable sectios Provide your bak accout details (if applicable) Step 2 Part B Your ivestmet Complete sectios 6-9 Cotributio/Rollover details Paymet details Ivestmet allocatio Provide details of your cotributio ad/or rollover. Please ote: If you are makig a CGT cotributio, you will eed to provide us with a CGT cap electio form (available from the ATO). If you do t provide us with the form, we must treat the cotributio as a o-cocessioal cotributio ad it will ot cout towards your CGT cap If you are makig a persoal ijury paymet, you will eed to provide us with a cotributio for persoal ijury form (available from the ATO). If you do t provide us with this form, we must treat the cotributio as a o-cocessioal cotributio Please cotact Ivestor Services o or speak with your adviser if you require further iformatio Idicate your method of paymet. If ivestig by direct debit, please complete your bak details i sectio 5. If ivestig via cheque please cross your cheque Not Negotiable ad make payable to: Coloial First State Rollover & Superauatio Fud, <Ivestor ame> Complete your ivestmet allocatio details icludig the percetage to be attributed to each optio Please ote: If o ivestmet optio is selected, your ivestmet is allocated to the Capital Secure optio 1 Whe you sed the applicatio form to us, please esure that you provide a estimate of your superauatio balace. You ca obtai this iformatio from your curret superauatio provider. Additioally, the completed request to trasfer form must be set to the istitutio that curretly holds your superauatio fuds. They should automatically sed your fuds to us; however, some istitutios may require additioal paperwork. O receipt of your fuds we will cofirm this cotributio to you. 2 Oly complete the applicatio form if you are ot already a member of the Rollover & Superauatio Fud. 3 Please ote: We require a separate direct debit authority to be completed i all cases where the bak accout details do ot exactly match the ivestor details o this accout.

42 40 Coloial First State Rollover & Superauatio Fud 7 Applicatio form checklist Step 3 Parts C & D Other iformatio ad declaratio Complete sectios Commuicatio prefereces Olie services Adviser service fee Declaratio ad sigature Step 4 Provide details of how you would like to receive your iformatio from us Do ot cross the box if you wat olie access You oly eed to complete this sectio if you have agreed with your fiacial adviser to have a ogoig adviser service fee deducted from your ivestmet Sig the declaratio. If you are sigig uder a Power of Attorey, please see below Idetificatio ad verificatio You or your adviser may also like to complete the idetificatio ad verificatio form o page 47 so that we ca establish your idetity (for the purposes of Ati-Moey Lauderig ad Couter-Terrorism Fiacig laws) ad assist us i processig ay future withdrawal request efficietly Isurace applicatio form (refer to page 49) Please check that you have completed the followig steps: Step 1 Isured details Isurace cover Deductio of premiums Step 2 Part A Short persoal statemet Part B Full persoal statemet Step 3 Geeral declaratio ad sigature Your persoal details ad level of cover Complete sectios A to D Provide your full ame ad persoal details Idicate the type ad amout of isurace you wish to apply for Select the ivestmet optio from which premiums are to be deducted Persoal statemet Complete either Part A or Part B Please commece completig the form at Part A. If you aswer Yes to ay questios withi Part A, please do ot cotiue completig Part A. Istead, complete Part B (Full Persoal Statemet) You are oly required to complete this sectio if you aswered Yes to ay questios withi Part A Declaratio ad sigature Complete Part C Read your Duty of Disclosure ad sig the declaratio. If you are sigig uder a Power of Attorey, please see below Please ote: If you are sigig uder a Power of Attorey, please comply with the followig: Attach a certified copy of the Power of Attorey documet Each page of the Power of Attorey documet must be certified by a Justice of the Peace, Notary Public or Solicitor Should the Power of Attorey documet NOT cotai a sample of the Attorey s sigature, please also supply a certified copy of the idetificatio documets for the Attorey, cotaiig a sample of their sigature, eg Driver s Licece, Passport, etc The Attorey will also eed to complete a power of attorey idetificatio form which ca be obtaied from our forms library at coloialfirststate.com.au or by phoig Ivestor Services o

43 Coloial First State Rollover & Superauatio Fud Applicatio Form 23 November 2009 Uits i the Rollover & Superauatio Fud will oly be issued o receipt of this applicatio form, issued together with the PDS dated 23 November Please phoe Coloial First State Ivestor Services o with ay equiries. Coloial First State Rollover & Superauatio Fud 41 Please complete this form usig BLACK INK ad prit well withi the boxes i CAPITAL LETTERS. Mark appropriate aswer boxes with a cross like the followig X. Start at the left of each aswer space ad leave a gap betwee words. OFFICE USE oly Fields marked with a asterisk (*) must be completed for the purposes of ati-moey lauderig laws. part a your details 1. ACCout details Are you opeig a ew accout? Yes x I am a ew CFS ivestor I have a existig CFS accout, my accout umber is No This is a additioal ivestmet for accout umber ivestor details Title Mr Mrs Miss Ms Other Male Female Full give ame(s)* Surame* Tax File Number (refer to pages 21 ad 35 for iformatio o the implicatios of ot providig your TFN. This could mea that you will pay more tax or that certai cotributios will ot be able to be accepted). Date of birth* Occupatio* / / Your mai coutry of residece, if ot Australia* 3. CotACT details Residetial address (PO Box is NOT acceptable)* Uit umber Street umber Street ame Suburb State Postcode Coutry Work phoe umber Home phoe umber Fax umber Mobile phoe umber address By providig your address, you agree that we may use this address to provide you with iformatio about your ivestmet (such as trasactio cofirmatios, statemets, reports ad other material). From time to time we may still eed to sed you letters i the post. Postal address (if differet to above) Uit umber Street umber PO Box Geder Street ame Suburb State Postcode Coutry

44 42 Coloial First State Rollover & Superauatio Fud 4. employmet details I order to ivest i super you eed to meet certai criteria, based upo your age ad employmet status. Please cross (X) i the box which represets your status. Refer to page 21 for further iformatio. Uder age 65 Aged x Have you worked for at least 40 hours i 30 cosecutive days i the curret fiacial year? Yes No Permaetly retired 5. bak ACCout details You ca oly omiate a bak accout that is held i your ame(s). If you wish to omiate a bak accout that is held i differet ame(s) you will have to complete the separate direct debit authority form (icluded i this PDS). By providig your bak accout details i this sectio, you authorise Coloial First State to use these details for all future trasactio requests that you omiate. Please provide your accout details i this sectio if you have requested us to debit or credit your bak accout. Name of Australia fiacial istitutio Brach ame Brach umber (BSB) Accout umber Name of accout holder part b your ivestmet 6. CotRibutio/RolloVER details Please idicate below the amout of your cotributio ad/or rollover (page 21 provides iformatio o who is able to make cotributios). Ivestmet or cotributio amout Regular mothly ivestmet (a) Persoal cotributio $,,. $,. Are you claimig a tax deductio? 1 No Full Partial If partial, please specify dollar amout of deductio $,,. (If o amout is idicated, we will assume you will claim the whole cotributio as a deductio up to the maximum allowable) (b) Employer cotributio $,,. $,. (c) Salary sacrifice $,,. $,. (d) Spouse cotributio $,,. $,. (e) Rollover $,,. $,. If (e) is selected, provide the followig iformatio: Name of previous istitutio policy umber Approx. amout $,,. $,,. (f) CGT cotributio $,,. 2 (g) Persoal ijury paymet $,,. 3 Total ivestmet $,,. $,,. 1 Claimig a full or a partial tax deductio may result i persoal deductible cotributios which are subject to 15% cotributios tax ad may cout towards your cocessioal cap. Please refer to pages 22 to 24 for further details. 2 Please provide a CGT cap electio form (available from the ATO). 3 Please provide a cotributio for persoal ijury form (available from the ATO).

45 Coloial First State Rollover & Superauatio Fud iteral rollover details I would like to trasfer fuds from my existig CFS accout umber I would like to trasfer the etire balace of approximately $,,. I uderstad that doig this will close my existig accout. OR I would like to retai a balace i my existig CFS accout Please trasfer exactly $,,. to ope this ew accout or Please trasfer the balace leavig exactly $,,. i my above metioed existig accout Please leave the remaiig fuds ivested i the followig ivestmet allocatio: If o ivestmet allocatio is idicated we will leave the balace i your curret weightigs. Is there isurace applicable? I would like to trasfer my cover across to the Rollover & Superauatio Fud. Please ote: If you are requestig a icrease to your cover you will eed to complete the isurace applicatio form o page PAymet details How will this ivestmet be made? NOTE: Cash is ot accepted. Cheque (attached) x Make cheque payable to Coloial First State Rollover & Superauatio Fud, <Ivestor ame> Make sure you also complete your bak accout details i sectio 5. Please esure cleared fuds are available Direct debit x (refer to page 31) Make sure you have completed ad set the request to trasfer form (o page 73) to your curret superauatio Rollover x provider ad completed sectio 6 of this form If you are rollig fuds from aother Coloial First State superauatio accout you do ot eed to complete a Iteral rollover x request to trasfer form. Please provide details i sectio 7. If you wish to trasfer the full amout write Balace Bpay x Please see page 18 for details o how to make a Bpay paymet to your accout Direct credit x Please see page 18 for details o how to make a direct credit paymet to your accout

46 44 Coloial First State Rollover & Superauatio Fud 9. ivestmet allocatio The miimum regular ivestmet pla is $100 per moth. Please specify the percetage you wish to ivest i each optio. Optio ame Iitial or additioal ivestmets % Regular ivestmet pla Coservative (3) R02 % % Balaced (4) R03 % % Diversified (5) R04 % % High Growth (7) R11 % % Australia Share (8) R05 % % Geared Share (13) R10 % % Global Share (9) R07 % % Global Resources (10) R08 % % Global Health & Biotechology (11) R13 % % Global Techology & Commuicatios (12) R14 % % Geared Global Share (14) R15 % % Property Securities (6) R06 % % Capital Secure (1) R01 % % TOTAL 1 0 0% 1 0 0% Cross (X) this box if you would like to icrease your regular ivestmet pla amout i lie with iflatio (CPI) each year. Note: This is ot applicable for employer or salary sacrifice cotributios. part C other iformatio 10. commuicatio prefereces If you have provided your address i sectio 3, we will use this address to provide you with iformatio about your ivestmets (such as trasactio cofirmatios, statemets ad other materials). Please refer to page 20 for further details. If you would prefer to receive your iformatio i aother way, please advise below. Commuicatio type prefereces Statemets/cofirmatios Mail iq Magazie Mail Promotioal commuicatios Mail Opt out These prefereces will be applied to all your accouts (icludig joit accouts). Cross (X) here if you do ot wish this to occur. x 11. olie services Please ote that you will be automatically grated access to maage your ivestmet over the iteret through FirstNet ad by telephoe through FirstLik. Olie access is provided uder the terms ad coditios provided o page 37 i this PDS or olie. Please cross (X) this box if you do ot wish to have olie access to your ivestmet. Please ote: If you wat your adviser to trasact o your behalf, you will be automatically updated to full trasactio access o your accout via FirstNet, if you do ot already have this level of access. x

47 Coloial First State Rollover & Superauatio Fud adviser service fee Complete this sectio if you have agreed with your fiacial adviser to have a additioal service fee deducted. Refer to page 15 for details. Ivestmet optio from which the fee is to be deducted Idicate oe optio oly Adviser service fee (iclusive of GST). % pa If o optio or more tha oe optio or a ivalid optio is omiated we will deduct the fee from the first optio ivested i, i the order of listig show i brackets uder sectio 9 of the applicatio form. Please ote: The ivestmet optio will also be used for the deductio of isurace premiums (if applicable). part d declaratio 13. declaratio ad sigature I declare ad agree that: I have read this PDS to which this applicatio applies ad have received ad accepted the offer i it i Australia my applicatio is true ad correct I am boud by ay terms ad coditios cotaied i this PDS ad the provisios of the trust deed as ameded from time to time of the fud ad have legal power to ivest if there is o ivestmet optio selected, my ivestmet is allocated to the Capital Secure optio I will tell you if my employmet status chages my adviser will receive the paymets detailed i the PDS ad this applicatio form icludig via redemptio of uits from my ivestmet if I have received this PDS from the iteret or other electroic meas that I received it persoally or a pritout of it, accompaied by or attached to this applicatio form this applicatio is ot because of a usolicited meetig with or telephoe call from aother perso future ivestmets will be made i lie with the most recet trasactio (excludig regular ivestmet pla) uless I istruct you otherwise if I am claimig a persoal tax deductio i relatio to my cotributios, I have: ot yet lodged my icome tax retur for the curret year of icome ot yet made a cotributio splittig applicatio i respect of this cotributio ot yet commeced a superauatio icome stream based i whole, or part, o the cotributio Coloial First State ad/or its related etities will ot be liable to me or other persos for ay loss suffered (icludig cosequetial loss) i circumstaces where trasactios are delayed, blocked or froze, or where Coloial First State refuses to process a trasactio or ceases to provide me with a product or service. I cofirm that the adviser service fee agreed with my adviser is: oly for fiacial advice provided to me oly for fiacial advice i relatio to my ivestmet i the Rollover & Superauatio Fud, ad I believe, a reasoable amout for the fiacial advice provided. I ackowledge ad agree that: Coloial First State has the discretio to declie a request to pay this adviser service fee i order to comply with its obligatios uder superauatio law, ad it may be a offece icludig a illegal early release of super scheme if the above cofirmatio is ot true ad correct. I ackowledge that: ivestmets i the fud are ot ivestmets, deposits or other liabilities of the Commowealth Bak of Australia or its subsidiaries ad are subject to ivestmet ad other risks, icludig possible delays i repaymet ad the loss of icome ad pricipal ivested; either Coloial First State or the Commowealth Bak of Australia or its subsidiaries guaratee the repaymet of capital or the performace of the optios or ay particular rate of retur from the fud. Prior to its completio ad sigig, this applicatio must ot be haded to ay perso uless attached to this PDS. Ivestmets i the Rollover & Superauatio Fud SPIN FSF0172AU (referred to as the fud ) are offered from the Coloial First State Rollover & Superauatio Fud ABN by Coloial First State Ivestmets Limited ABN AFS Licece Sigature of member Prit ame 8 Date / / If this applicatio is siged uder Power of Attorey, the Attorey declares that he/she has ot received otice of revocatio of that power (a certified copy of the Power of Attorey should be submitted with this applicatio uless we have already sighted it). The Attorey will also eed to complete a power of attorey idetificatio form which ca be obtaied from our forms library at coloialfirststate.com.au or by phoig Ivestor Services o Please sed the completed form to: Coloial First State, Reply Paid 27, Sydey NSW 2001

48 46 Coloial First State Rollover & Superauatio Fud adviser use oly Adviser ame Dealer/Adviser stamp (please use black ik oly) INVESTSMART FINANCIAL SERVICES Cotact umber IvestSmart Fiacial Dealer ID Adviser ID Services Pty Ltd ABN ILCN ILAN ILGN Additioal commets/istructios cotributio fee Please idicate the total cotributio fee percetage to be charged (refer to page 13). If you do ot omiate a fee, the stadard fee will be charged. If omiatig a fee differet from the stadard fee, please idicate the fee to be charged to the ivestor. Maximum Miimum Other x Give details below Fee to be charged to the ivestor Iitial ivestmet (excludig rollovers/etps) 0% 1% 2% 3% 4%. % Rollovers 0% 1% 2% 3% 4%. % Additioal ivestmet 0% 1% 2% 3% 4%. % Regular ivestmet pla 0% 1% 2% 3% 4%. % Please ote: The fee above is the fee which will be deducted from your cliet s ivestmet. The remueratio paid to you icludes the gross GST ad will be % of this amout. For example, 4% fee charged to the ivestor (icludig the et effect of GST), 4.29% your remueratio (icludig GST), 3.90% your remueratio (excludig GST). adviser service fees By providig your (adviser) details, you cofirm that the adviser service fee agreed with the member is: oly for fiacial advice provided to the member oly for fiacial advice i relatio to the member s ivestmet i the Rollover & Superauatio Fud, ad of a reasoable amout for the fiacial advice provided. Ad you ackowledge that: Coloial First State has the discretio to declie a request to pay this adviser service fee i order to comply with its obligatios uder superauatio law, ad it may be a offece icludig a illegal early release of super scheme if the above cofirmatio is ot true ad correct. If the adviser service fee is a large percetage of the applicatio proceeds or of a uusually high amout, please provide reasos: Coloial first state use oly Campaig code other

49 Coloial First State Rollover & Superauatio Fud 47 Idetificatio ad Verificatio Form idividuals Full ame of ivestor You or your adviser may also like to complete this form so that we ca establish your idetity (for the purposes of Ati-Moey Lauderig ad Couter-Terrorism Fiacig laws) ad assist us i processig ay future request efficietly. Fiacial advisers udertake idetificatio ad verificatio procedures by completig sectios A to C of this form or by usig other idustry stadard forms. If you do ot have a fiacial adviser, you will eed to complete sectio A of this form ad provide certified copies of the ID documets (do ot sed origial documets). The list of the parties who ca certify copies of the documets is set out below. To be correctly certified, we eed the ID documets to be clearly oted True copy of the origial documet. The party certifyig the ID documets will also eed to state what positio they hold ad sig ad date the certified documets. If this certificatio does ot appear, you may be asked to sed i ew certified documets. List of persos who ca certify documets* (for the purposes of Ati-Moey Lauderig ad Couter-Terrorism Fiacig laws): Justice of the Peace Solicitor Police Officer Magistrate Notary Public (for the purposes of the Statutory Declaratio Regulatios 1993) Employee of Australia Post (with two or more years of cotiuous service) Your fiacial adviser (provided they have two or more years of cotiuous service) Your accoutat (provided they have two or more years of cotiuous membership to a professioal accoutig body) Australia cosular officer or a Australia diplomatic officer (withi the meaig of the Cosular Fees Act 1955) A permaet employee of a fiacial istitutio (eg bak) provided they have two or more years of cotiuous service. * There may be additioal persos that ca certify documets due to chages to the law. From time to time, we will provide a updated list of these additioal persos i our forms library at coloialfirststate.com.au. Sectio a: verificatio procedure Complete Part 1 (or if the idividual does ot ow a documet from Part 1, the complete either Part 2 or Part 3). Part 1 Tick 3 Acceptable primary id documets Select oe valid optio from this sectio oly Australia State/Territory driver s licece cotaiig a photograph of the perso Australia passport (a passport that has expired withi the precedig two years is acceptable) Card issued uder a State or Territory for the purpose of provig a perso s age cotaiig a photograph of the perso Foreig passport or similar travel documet cotaiig a photograph ad the sigature of the perso¹ Cotiued over the page 1 Documets that are writte i a laguage that is ot Eglish must be accompaied by a Eglish traslatio prepared by a accredited traslator.

50 48 Coloial First State Rollover & Superauatio Fud Part 2 Acceptable secodary id documets should oly be completed if the idividual does ot ow a documet from Part 1 Tick 3 Tick 3 Select oe valid optio from this sectio Australia birth certificate Australia citizeship certificate Pesio card issued by Cetrelik Health card issued by Cetrelik Ad oe valid optio from this sectio A documet issued by the Commowealth or a State or Territory withi the precedig 12 moths that records the provisio of fiacial beefits to the idividual ad which cotais the idividual s ame ad residetial address A documet issued by the Australia Taxatio Office withi the precedig 12 moths that records a debt payable by the idividual to the Commowealth (or by the Commowealth to the idividual), which cotais the idividual s ame ad residetial address A documet issued by a local govermet body or utilities provider withi the precedig three moths which records the provisio of services to that address or to that perso (the documet must cotai the idividual s ame ad residetial address) If uder the age of 18, a otice that was issued to the idividual by a school pricipal withi the precedig three moths; ad cotais the ame ad residetial address; ad records the period of time that the idividual atteded that school Part 3 Acceptable foreig id documets should oly be completed if the idividual does ot ow a documet from Part 1 Tick 3 BOTH documets from this sectio must be preseted Foreig driver s licece that cotais a photograph of the perso i whose ame it is issued ad the idividual s date of birth¹ Natioal ID card issued by a foreig govermet cotaiig a photograph ad a sigature of the perso i whose ame the card was issued¹ Sectio B: RECORD OF VERIFICAtio PROCeduRE FiANCIAL ADVISER USE oly Verify the idividual s full ame ad date of birth OR residetial address. Receipt of a completed form will costitute your agreemet as a reportig etity that you have completed the idetificatio ad verificatio of the ivestor for the purposes of Ati-Moey Lauderig ad Couter-Terrorism Fiacig laws. ID documet details Documet 1 Documet 2 Verified from Origial Certified copy Origial Certified copy Documet issuer Issue date Expiry date Documet umber Accredited Eglish traslatio N/A Sighted N/A Sighted Sectio C: FiANCIAL plaer details idetificatio ad verificatio coducted by: Date verified (dd/mm/yyyy) / / Fiacial plaer s ame Phoe umber AFS licesee ame AFS Licece umber 1 Documets that are writte i a laguage that is ot Eglish must be accompaied by a Eglish traslatio prepared by a accredited traslator.

51 Coloial First State Rollover & Superauatio Fud Isurace Applicatio Form Coloial First State Rollover & Superauatio Fud November 2009 Persoal Statemet summary. Please complete this applicatio form if you are applyig for isurace (please write i block letters ad use a black ballpoit pe). Please esure all sectios o the form are completed. Please refer to page 40 for istructios o how to complete this form. sectio a persoal details isured details Existig accout umber (if kow) Title Geder Mr Mrs Miss Ms Other Male Female Give ame(s) Surame Date of birth / / Postal address Uit umber Street umber PO Box Street ame Suburb State Postcode Coutry Residetial address (if differet from above) Uit umber Street umber Street ame Suburb State Postcode Coutry Are you a permaet residet of Australia or New Zealad? No Yes If No, please provide details below, icludig visa type Aual salary (icludig average bous for last 3 years) Hours worked Are you self-employed? $, Ad per week No Yes Have you smoked i the last 12 moths? Yes No Telephoe UdeRWRitig The telephoe uderwritig facility may reduce the eed for follow-up iformatio ad medical reports, resultig i faster completio. I permit the Isurer (CommIsure) to call me (the life to be isured) to clarify or gai further iformatio regardig ay matter pertaiig to the assessmet ad processig of this applicatio. I uderstad that the call will form part of my Duty of Disclosure as described i Part C. Yes No If Yes, I am cotactable o (phoe) betwee the hours of (ote they must be usual busiess hours).

52 50 Coloial First State Rollover & Superauatio Fud sectio b isurance COVER Please read the Duty of Disclosure i Part C before completig this form. Please refer to page 29 for limits/maximums. Type of isurace cover beig applied for (i additio to ay existig cover): Death oly OR x Amout of cover $,, (i additio to ay existig cover) Death ad TPD x Amout of Death cover $,, Amout of TPD cover $,, (i additio to ay existig cover) Note: Whe applyig for Death ad TPD, the TPD cover amout caot exceed the Death cover amout. Sectio c occupatio Risk Ratig 1. Mai occupatio 2. Please select the icome producig duties of your mai occupatio ad the approximate percetage of time spet o each duty per week. Note: The list below represets the physical ature of duties oly. Do ot write or add to these descriptios. Nature of duty % time Admiistrative/Clerical (eg filig, computer work, office duties, etc) % Light maual work oly (eg drivig with deliveries, liftig uder 5kg, etc) % Supervisor of maual work (ot actual performace) % Carig for depedats (oly for TPD ad if occupatio is home duties ) % Maual work (eg cleaig, liftig over 5kg, carpetry, plumbig, etc) % Flyig, other tha as a fare payig passeger % Truck drivig greater tha a distace of 800km from base; workig above 15 metres; workig udergroud; workig at sea or % hadlig explosives Total 100% 3. Do you work from home? No Yes If Yes, what percetage of time is spet workig from home? % sectio d deductio of premiums Please select the ivestmet optio from which you wat your premiums to be deducted. Idicate oly oe optio If o optio or a ivalid optio is omiated we will deduct your premium from the first optio ivested i (with a sufficiet balace), i the order of listig uder sectio 9 of the applicatio form.

53 Coloial First State Rollover & Superauatio Fud 51 part a short persoal statemet If you aswer Yes to ay of the questios below, please do ot cotiue completig PART A. Istead, complete PARt b Full Persoal Statemet. 1. Will the combied amout of total cover that you are requestig (icludig ay existig cover) exceed $800,000 for Death oly or Death ad TPD? 2. Do you egage i ay hazardous pastimes, pursuits or occupatioal duties, such as but ot limited to motorised sports, parachutig, hag-glidig, scuba divig below 40 metres or flyig? 3. Do you ited to travel or reside overseas for more tha six moths i the ext two years? 4. Have you received ay medical advice, or udergoe ay medical treatmet, ivestigatio or a operatio, suffered from or are you cotemplatig surgery for ay illess or ijury that would affect your log-term health ad require ogoig medical supervisio? This icludes, but is ot limited to: W cacer or diabetes W high blood pressure, cholesterol or ay heart complait W alcohol or drug abuse W stroke, paralysis, eurological disorder or multiple sclerosis 5. Have you received ay medical advice or udergoe ay medical treatmet, ivestigatio or a operatio, suffered from or are you cotemplatig surgery for ay of the followig: W ay ijury or complait of the back, eck, kee or shoulder requirig time off work i the last 12 moths AND/OR ay disease, disorder or degeeratio to the muscles, tedos, boes, discs or joits? W loss of the sight of a eye or the total ad permaet loss of the use of a limb ( limb icludes whole had or whole foot)? W depressio or metal disorder (icludig but ot limited to stress, axiety, chroic tiredess or fatigue, paic attacks, post traumatic stress, behavioural or ervous disorder)? W chest pai, asthma, brochitis or ay other lug complait requirig hospitalisatio withi the last five years? W disorders of the kidey, bladder, prostate, ovaries, gall bladder, bowel or liver? W epilepsy? 6. Has a applicatio for life, disability, trauma, accidet or sickess isurace o your life ever bee declied, deferred or accepted with a loadig, exclusio or special terms? 7. Are you claimig, or have you ever claimed ay type of disability beefit from ay source, eg TPD beefit from ay superauatio fud, Workers Compesatio, Disability Pesio, Veteras Affairs or ay other isurace policy providig accidet or sickess beefits? 8. Are you at the date of this applicatio, due to ijury, accidet or illess: W off work? W restricted from beig capable of performig your full ad ormal duties o a full-time basis (for at least 30 hours per week), eve though your actual employmet ca be o a full-time, part-time or casual basis? 9. Please provide the followig details: Height cm OR feet/iches kg stoe/pouds Weight OR 10. Excludig the cotraceptive pill ad ihaled asthma medicatio, have you bee advised to take or bee give prescribed medicatio by a medical practitioer that has iteded to be used for three moths or loger withi the last year (icludig but ot limited to blood pressure, diabetes, oral steroids for asthma or depressio medicatio)? 11. Have you bee uable to work because of sickess or ijury for more tha two cosecutive weeks i the last three years? 12. Have you bee ifected with, or have you ever tested positive for AIDS (Acquired Immue Deficiecy Sydrome), HIV (Huma Immuodeficiecy Virus) or hepatitis B ad C? If you aswered No to all questios go to PART C o page 60.

54 52 Coloial First State Rollover & Superauatio Fud part b full persoal statemet sectio e pastime details Do you curretly egage i or ited to egage i ay of the followig sports or hazardous activities: (a) Flyig (other tha as a fare payig passeger o a commercial airlie) (b) Uderwater divig Maximum depth metres (c) Motor sports of ay kid, eg rally drivig, trail bike ridig, ocea racig (d) Football of ay code (icludig touch football or oz tag) (e) Ay other sport or hazardous activities, eg parachutig, hag glidig, body cotact sports, paraglidig, competitive water sports or recreatios ivolvig heights If you aswered Yes to ay of the above, please provide further details below. What is/are the activity(ies) you egage i? At what level do you participate? Recreatioal oly (o-competitio) Recreatioal with competitio Semi-professioal/Professioal Number of times you participate i this/these activity(ies) each year (eg hours flow, umber of dives, evets, etc) Do you receive ay icome from participatig i this/these activity(ies)? sectio f travel details Do you pla to travel, live or work i aother coutry withi the ext two years? No Yes x If Yes, please aswer below (a) Please provide the date(s) ad coutries/cities you ited to travel to (b) Duratio of your trip? (c) Reasos for travel? (Please tick appropriate box.) Holidays Busiess Residig/Migratig sectio g isurace history details 1. Other tha this applicatio, do you have or have you recetly applied for life, total ad permaet disability, trauma, or salary cotiuace isurace o your life with Coloial First State, CommIsure, or ay other isurace compay? No Yes x Please provide details below To be Policy Date policy Isurace compay ame Type of cover Isurace beefit replaced? umber commeced $ No / Yes / / $ No / Yes / / 2. Has a applicatio for life, total ad permaet disability, trauma, or salary cotiuace isurace o your life ever bee declied, deferred or accepted with a loadig, exclusio or special terms? No Yes x Please provide details below Isurace compay ame Date Terms offered ad reaso / / / /

55 Coloial First State Rollover & Superauatio Fud 53 sectio g isurace history details (cotiued) 3. Are you claimig or have you ever claimed a beefit from ay source, eg TPD beefit from ay superauatio fud, Workers Compesatio, Disability Pesio, Veteras Affairs or ay other isurace policy providig accidet or sickess beefits? No Yes x Please provide details below Date claim Beefit type/source/reaso for claim Claim date Claim amout fialised / / $ / / / / $ / / sectio H FAmily history details Have ay of your immediate family (ie parets, brothers, sisters) suffered from or bee diagosed with ay of the followig: heart problems, stroke, high blood pressure, diabetes cacer (breast, ovaria, cervical, bowel or other) hereditary disorders such as: Hutigto s disease, muscular dystrophy, polycystic kidey, familial polyposis ay other iherited or hereditary disease? Ukow If Yes, please provide details below Family member Coditio Approximate age of oset Age at death (if applicable) sectio I lifestyle details To the best of your kowledge, is there ay possibility that you have ever bee ifected with, or have you ever tested positive for AIDS (Acquired Immue Deficiecy Sydrome), HIV (Huma Immuodeficiecy Virus) or Hepatitis or are you i a high-risk category (eg ijected drugs other tha as prescribed by a medical practitioer, shared eedles, egaged i uprotected male to male sexual itercourse, worked as or egaged the services of a prostitute)? No Yes x Please provide details below Please ote: If you aswered Yes to the declaratio above, you will also eed to complete the lifestyle questioaire available from our website at coloialfirststate.com.au or by callig Alteratively, oe will be set to you oce your applicatio has bee iitially assessed. sectio J doctor details 1. What is the ame ad address of the last/your usual doctor or medical cetre you visited? Full ame of doctor Address State Postcode Phoe umber Fax umber ( ) ( ) 2. Whe did you last cosult a doctor? Withi the last moth 1 to 3 moths ago 3 to 6 moths ago 6 to 12 moths ago 12 moths to 2 years ago Over 2 years ago 3. Reaso for last cosultatio

56 54 Coloial First State Rollover & Superauatio Fud sectio j doctor details (cotiued) 4. What was the result/outcome from your last cosultatio (please cross (X) the appropriate box)? Referral to specialist/health professioal Tests coducted results pedig Not fully recovered yet Ogoig treatmet (eg Vetoli ihaler) Routie tests coducted results all clear/ormal All clear/ormal/full recovery o tests or prescribed treatmet required (other tha cotraceptive ad cold/flu medicatio) 5. Is the doctor/medical cetre metioed above, your usual doctor/medical cetre? 6. How log have you bee a patiet of this doctor or medical cetre? years moths If less tha 12 moths, please provide details of your previous doctor/medical cetre. Full ame of doctor Address State Postcode Phoe umber Fax umber ( ) ( ) sectio k persoal ad medical details 1. Have you smoked tobacco or ay other substace at ay time durig the last 12 moths? If Yes, please idicate type (eg cigarettes, cigars, tobacco, etc) ad average amout smoked i oe of the followig boxes: Substace smoked Per day Per week Per year 2. Do you drik alcohol? If Yes, please provide the average umber of driks cosumed Per day Per week Per year i oe of the followig boxes: 3. What is your height ad ad curret weight? Height cm OR feet/iches Weight kg OR stoe/pouds Please ote: If you have aswered Yes to ay of questios 4a to d below, you will eed to complete a specific questioaire o the related coditio uder sectio L located o page 56 of this applicatio form. 4. Have you ever had or sought advice or treatmet, experieced symptoms or suffered from ay of the followig: (a) Asthma, brochitis or ay other lug complait (b) Cysts, moles, suspots or ski lesios (c) back, eck, shoulder, kee, elbow complaits, sciatica, disc or spie complaits, or ijury of the joits, boes or muscles (d) depressio or metal disorder (icludig but ot limited to stress, axiety, paic attacks, behavioural or ervous disorders) If you aswered Yes to ay of questios 4e to z below, please provide full details i the Detailed Medical Questioaire uder sectio M o page 58 of this applicatio form. (e) Diabetes or abormal blood sugar (f) Chest pais, heart complait, heart murmur, high blood pressure, raised cholesterol, palpitatios or rheumatic fever

57 Coloial First State Rollover & Superauatio Fud 55 sectio k persoal ad medical details (cotiued) (g) Stroke, paralysis, eurological disorder, multiple sclerosis or blood vessel disorder (h) Cacer, tumour or melaoma (i) Thyroid, gladular or pacreatic disorder (j) Gastric or duodeal ulcer, persistet idigestio, irritable bowel or other bowel disorder (k) Ay disorder of the gall bladder or liver (icludig hepatitis B, C or raised liver fuctio) (l) Varicose veis, haemorrhoids or heria (m) Disorder of the kidey, bladder or prostate, blood i urie or kidey stoes () Epilepsy, fits of ay kid, faitig episodes or recurrig headaches or migraies (o) Chroic fatigue sydrome, lethargy, sleep apoea or ay sleepig disorder (p) Arthritis, gout, osteoporosis, fibromyalgia, Repetitive Strai Ijury (RSI) or ay chroic pai sydrome (q) Eczema, dermatitis, psoriasis or ay other ski disorder (r) Aaemia, leukaemia, haemophilia, haemochromatosis or ay other blood disorder (s) Ay impairmet of sight (other tha corrected by glasses or leses) or blurred visio (t) Ay impairmet of hearig or speech icludig tiitus (u) Ay sexually trasmitted diseases (v) Ay other illess, ijury, disease or disorder ot metioed above (w) Other tha those coditios metioed above, are you takig ay regular prescribed medicatio (excludig cotraceptives)? (x) Withi the last three years, have you had: (i) Ay blood tests which revealed a abormality? (ii) Ay tests such as ECG, X-ray (excludig broke boes or joit strais), geetic test or ultrasoud (other tha for pregacy)? (y) Are you cosiderig seekig medical advice, treatmet, tests or surgery i the future? (z) Have you ever had a geetic test? 5. (Females oly) (a) Are you curretly pregat? If Yes, due date for birth of baby (b) Have you ever had ay complicatios with pregacy or childbirth (eg diabetes, ectopic pregacy)? If Yes, please provide details ad dates below / / (c) Have you ever had a abormal result for ay of the followig tests? W Pap smear W Breast ultrasoud W Mammogram If Yes, please provide details icludig dates ad results of treatmets (d) Have you ever had a breast lump or breast cyst (eve if you have ot cosulted a doctor)? If Yes, please provide details icludig dates ad results of treatmets

58 56 Coloial First State Rollover & Superauatio Fud sectio l specific medical questioaires If you have aswered Yes to ay of questios 4a to d i sectio K, please complete the relevat specific questioaire below. A. Asthma, brochitis or ay other lug complait questioaire (a) Name of coditio (b) Have you bee diagosed withi the last 12 moths? No Yes (c) Frequecy of symptoms i the last five years (please cross (X) the appropriate boxes) Daily Weekly Occasioally Oe-off episode Noe childhood oly (d) Severity of symptoms i the last five years (please cross (X) the appropriate boxes) Nil symptoms childhood oly Mild, ie exercise-iduced oly, seasoal (related to hay fever allergy, colds or flu) Moderate, ie all year roud, o specific triggers Severe, ie costat, reduced lug capacity, restrictio of lifestyle or work duties (e) Have you required over the last five years: (please cross (X) the appropriate boxes) Daily prevetative ihalers, eg Vetoli Occasioal use of a ebuliser or oral steroid medicatio, eg predisoloe Hospitalisatio/Emergecy treatmet No Yes No Yes No Yes (f) Maximum umber of cosecutive days off work/school you have had over the last two years due to this coditio? Days (g) Is your treatig doctor differet from your usual doctor? No Yes x Complete below Name of doctor B. Cysts, moles, suspots or ski lesios questioaire (a) Please provide type (eg cyst, mole, melaoma) (b) Locatio of growth(s) (eg face, back, right arm) (c) Whe was this? / / (d) Was/Were the growth(s) removed? No Yes x Complete below Whe was/were it/they removed? / / Number of growth(s) removed? Method of removal (please cross (X) the appropriate box) Froze/Burt off Surgical/Cut out (e) Were ay further special tests, ivestigatios, treatmets or follow-up required? No Yes x Please provide dates ad details of further tests, ivestigatios, treatmets or follow-up (f) Was/Were the growth(s) reported to be cacerous (maligat)? No Yes (g) Was the doctor you cosulted differet from your usual doctor? No Yes x Complete below Name of doctor Doctor address Doctor address State Postcode State Postcode Phoe umber Fax umber ( ) ( ) Phoe umber Fax umber ( ) ( )

59 Coloial First State Rollover & Superauatio Fud 57 sectio l specific medical questioaires (cotiued) If you have aswered Yes to ay of questios 4a to d i sectio K, please complete the relevat specific questioaire below. C. Joit/Musculoskeletal questioaire If you are applyig for Death cover oly, please complete questios a ad b oly, otherwise please complete all questios. (a) Nature of complait (doctor s diagosis), eg sciatica, back pai, broke boe (j) Is your treatig doctor differet from your usual doctor? No Yes x Complete below Name of doctor (b) Locatio of complait, eg lower back, right kee, sciatic erve Doctor address (c) Whe did symptoms first begi? / / (d) Cause of coditio, eg liftig, car accidet, fall i workplace, ukow (e) Was a x-ray or sca take? No Yes x Complete below Date of tests take / / Details of results of tests take (f) Is the ature of the coditio degeerative or a disc problem? No Yes (g) Are you still udergoig treatmet or experiecig symptoms? No x Complete below Yes Date symptoms ceased / / Date treatmet ceased / / (h) Have you ever bee off work as a result of this complait or bee uable to perform your ormal day-to-day activities? No Yes x Please idicate period(s) off work Date from Date to / / / / / / / / (i) Do you have ay residual, ogoig effects or restrictios as a result of this coditio? No Yes x Please provide dates ad details Phoe umber State Fax umber ( ) ( ) D. Axiety/Depressio questioaire Postcode (a) Provide details of the coditio (doctor s diagosis) (b) Please idicate the reaso or cause by crossig (X) the appropriate box(es) Bereavemet/Family illess Marital problems Post atal Work related Other (c) Date symptoms first commeced / / (d) Date symptoms ceased / / or ogoig (e) Have you take or are you takig medicatio? No Yes x Please provide details of the type of medicatio (icludig dosage) (f) Are you curretly o medicatio? No Yes (g) Have you ever bee hospitalised? No Yes x Complete below Period(s) hospitalised Date from Date to / / / / / / / /

60 58 Coloial First State Rollover & Superauatio Fud sectio l specific medical questioaires (cotiued) If you have aswered Yes to ay of questios 4a to d i sectio K, please complete the relevat specific questioaire below. D. Axiety/Depressio questioaire (cotiued) (h) Did the coditio ever cause you to lose time off work? No Yes x Complete below Total time off work Days Moths Years (i) Has your ability to work or perform daily activities bee restricted i ay way? No Yes x Please provide dates ad details (j) Were ay of the doctors you cosulted differet from your usual doctor? No Yes x Complete below Name of doctor Doctor address Phoe umber State Fax umber ( ) ( ) Postcode sectio m detailed medical questioaire If you have aswered Yes to ay of questios 4e to z i sectio K, please complete the table below. Please esure that you write the questio umber i the brackets above each colum. Questio ( ) Questio ( ) Questio ( ) 1. Name of coditio Date symptoms first started / / / / / / 3. Date symptoms ceased (if ogoig please state below) / / / / / / Ogoig (please circle aswer) No / Yes No / Yes No / Yes 4. How ofte do/did you have symptoms? Please choose from oe of the followig: daily, weekly, mothly, quarterly, half-yearly, yearly, oe-off, other (please specify) 5. Severity of coditio Please choose from oe of the followig: mild, moderate, severe, ever had symptoms, symptoms ceased 6. Did you take medicatio or have ay other treatmet (eg physiotherapy, operatio) for this coditio (please circle aswer)? No / Yes No / Yes No / Yes If Yes, ame the treatmet/coditio Details Details Details 7. Are you still o treatmet, icludig medicatio (please circle aswer)? No / Yes No / Yes No / Yes

61 Coloial First State Rollover & Superauatio Fud 59 sectio m detailed medical questioaire (cotiued) If you have aswered Yes to ay of questios 4e to z i sectio K, please complete the table below. Please esure that you write the questio umber i the brackets above each colum. 8. Have you ever bee off work as a result of this coditio (please circle aswer)? Questio ( ) Questio ( ) Questio ( ) No / Yes No / Yes No / Yes Details Details Details If Yes, please state the total time off work i days, moths ad years Days Days Days Moths Moths Moths Years Years Years 9. Have you had ay residual, ogoig effects or restrictios as a result of this coditio (please circle aswer)? No / Yes No / Yes No / Yes If Yes, please provide details ad dates Details Details Details 10. Have you ever had a x-ray, sca or blood test for this coditio (please circle aswer)? No / Yes No / Yes No / Yes If Yes, please provide details ad dates Details Details Details 11. Is your treatig doctor differet from your usual doctor (please circle aswer)? No / Yes No / Yes No / Yes If Yes, please provide the doctor s ame ad cotact details Details Details Details

62 60 Coloial First State Rollover & Superauatio Fud part c duty of disclosure ad declaratio your duty OF disclosure Before you eter ito or become isured uder a cotract of life isurace with a isurer, you have a duty uder the Isurace Cotracts Act 1984 to disclose to the isurer every matter that you kow, or could reasoably be expected to kow, is relevat to the isurer s decisio whether to accept the risk of the isurace ad, if so, o what terms. You have the same duty to disclose those matters to the isurer before you reew, exted, vary or reistate life isurace. Your duty, however, does ot require disclosure of a matter: that dimiishes the risk to be udertake by the isurer that is of commo kowledge that your isurer kows or, i the ordiary course of its busiess ought to kow, or as to which compliace with your duty is waived by the isurer. No-disclosure If you fail to comply with your duty of disclosure ad the isurer would ot have covered you o ay terms if the failure had ot occurred, the isurer may avoid the cover withi three years of issuig it. If your o-disclosure is fraudulet, the isurer may avoid your cover at ay time. A isurer who is etitled to avoid your cover may, withi three years of issuig it, elect ot to avoid it but to reduce the sum for which you have bee isured i accordace with a formula that takes ito accout the premium that would have bee payable if you had disclosed all relevat matters to the isurer. Icomplete questios may delay the assessmet of this applicatio. DECLARAtio This sectio must be completed i all circumstaces. I have read the Duty of Disclosure i this Persoal Statemet ad I am aware of the cosequeces of o-disclosure. I uderstad that the Duty of Disclosure cotiues after I have completed this statemet util my applicatio for cover has bee accepted by The Coloial Mutual Life Assurace Society Limited ABN (CMLA) i writig. I authorise: the isurer to refer ay statemets that have bee made i coectio with my applicatio for cover ad ay medical reports to other etities ivolved i providig or admiisterig the isurace (for example, reisurers, medical cosultats, legal advisers) the isurer ad ay perso appoited by the isurer to obtai iformatio o my medical claims ad fiacial history from the Isurace Referece Associatio ad ay other body holdig iformatio o me ay hospital, doctor or other perso who has treated or examied me to give to CMLA ay iformatio o my illess or ijury, medical history, cosultatio, prescriptio or treatmet or copies of all hospital or medical reports. I declare that: the aswers to all the questios ad the declaratios o this Persoal Statemet are true ad correct (icludig those ot i my ow hadwritig) I have ot withheld ay iformatio which may affect CMLA s decisio to provide isurace. I ackowledge that the aswers I have provided, together with ay special coditios, will form the basis of the cotract of isurace. I have read ad uderstood the Privacy sectio of the PDS. I ackowledge ad coset to the use ad disclosures of my persoal iformatio as detailed i that sectio. A photocopy of this authorisatio is as valid as the origial. I agree to provide further medical authorities if requested. Please be aware that CommIsure may request further medical evidece as a result of the aswers give i this Persoal Statemet. Ivestmets i the Rollover & Superauatio Fud SPIN FSF0172AU (referred to as the fud ) are offered from the Coloial First State Rollover & Superauatio Fud ABN by Coloial First State Ivestmets Limited ABN AFS Licece Sigature of the perso to be isured 8 Date siged / / Prit ame Please retur the completed form, with attachmets, to: Coloial First State, Reply Paid 27, Sydey NSW 2001 If you have ay questios or require assistace, please call

63 Coloial First State Rollover & Superauatio Fud 61 adviser use oly The purpose of this applicatio is: New busiess Trasfer of existig cover from CMLA Please ote: Some policies caot be trasferred from CMLA. Are you submittig ay Total Care Pla isurace applicatios for this customer through CommIsure? No Yes Product accout ame Product umber Should a blood test or a medical examiatio be required, please idicate whether you would like us to orgaise for a urse to visit your cliet: No Yes Adviser ame Dealer/Adviser stamp (please use black ik oly) INVESTSMART FINANCIAL SERVICES Cotact umber Dealer ID Adviser ID ILCN ILAN ILGN IvestSmart Fiacial Services Pty Ltd ABN A address listed here may be used for adviser correspodece relatig to the assessmet of this applicatio.

64 62 Coloial First State Rollover & Superauatio Fud This page has bee left blak itetioally.

65 Coloial First State Rollover & Superauatio Fud 63 Coloial First State Adviser Olie Trasactio Authority Please phoe Coloial First State Ivestor Services o with ay equiries. Please complete this form usig BLACK INK ad prit well withi the boxes i CAPITAL LETTERS. Mark appropriate aswer boxes with a cross like the followig X. Start at the left of each aswer space ad leave a gap betwee words. OFFICE USE oly 1. ivestor details Please omiate the accouts to which the authority should be applied. All accouts I hold with Coloial First State OR Oly the followig accouts (if for this accout ow beig applied for write this accout ) This authority ca oly be applied to accouts curretly advised by the adviser amed i sectio 2 (below). Title Mr Mrs Miss Ms Other Give ame(s) Surame Cotact phoe umber Date of birth / / 2. ADVISER details Full ame of adviser INVESTSMART FINANCIAL SERVICES Phoe umber Fax umber Dealer/Adviser stamp (please use black ik oly) Mobile phoe umber Dealer ID Adviser ID ILCN ILAN ILGN INVEStoR must Sig this FORM OVER the PAge. IvestSmart Fiacial Services Pty Ltd ABN x

66 64 Coloial First State Rollover & Superauatio Fud 3. declaratio ad sigature CoditioS FOR AuthoRISig AN ADVISER to TRANSACT o your behalf By sigig this authority you authorise the amed adviser, ad ay other perso authorised by that adviser, to perform the followig activities o your accout olie (if available) o your behalf: make a additioal ivestmet, set up or modify a regular ivestmet pla, switch betwee ivestmet optios ad modify accout details (excludig address or bak accout details) modify ivestmet selectio ad frequecy (icludig auto-rebalacig) withdraw a ivestmet (does ot apply to superauatio or pesio accouts) maage a FirstChoice margi loa by trasactig or modifyig settigs trasact o FirstRate Saver, FirstRate Wholesale Saver, FirstRate Term Deposits or FirstRate Wholesale Term Deposits (icludig maagig maturity istructios) still perform all of the above activities o your accout, eve if the amed adviser ceases beig part of its curret dealer group ad chages to ew arragemets without otice to you. Ivestmets ad withdrawals ca oly be made to ad from a bak accout pre-omiated by you. Please ote: By providig this authority to your adviser you will also be automatically updated to full trasactio access o your accout via FirstNet, if you do ot already have this level of access. The adviser ad ay other perso authorised by that adviser will be authorised to carry out these activities olie oly. Please ote that the adviser may also delegate this authority to third parties, such as others i their office. Therefore you should carefully cosider the implicatios of givig this authority before proceedig. This adviser trasactio authority is subject to the followig: You agree that the amed adviser remais authorised, eve if this adviser ceases beig part of their curret dealer group ad chages to ew arragemets without otice to you. If we reasoably believe that a perso is your authorised adviser or their authorised delegate, the aythig they do o your behalf will be treated as if you have doe it persoally. Oce you tell us that your adviser (or their delegate) is authorised to carry out these fuctios o your behalf, the we will treat them as beig properly appoited uless you tell us otherwise. We will ot accept or be o otice of ay restrictios o their authority. At our complete discretio we ca refuse to accept a authority, permit a perso to trasact or carry out a trasactio. You agree to release, discharge ad idemify us from ad agaist ay liability, cost or loss that is icurred by us or you as a result of our actig o this authority except if we have acted frauduletly or have wilfully defaulted i our obligatios to you ad you ackowledge we will process trasactios uder this authority util we receive a valid writte otificatio, siged by you, amedig or revokig this authority. You also agree that either you, or ay perso claimig through you, has ay claim agaist us for a trasactio doe i accordace with this authority. This authority cotiues util the secod busiess day after we receive writte otice from you of cacellatio of the authority. Use of Coloial First State s olie facilities is subject to specific terms ad coditios. These are available o our iteret site. We ca cacel or vary these coditios by givig you ot less tha seve (7) days writte otice. If durig our ormal busiess hours FirstNet is uavailable or olie trasactios are ot beig processed (as determied by us), the this authority will permit your adviser (or their delegate) to trasact o your behalf usig fax istructios. The terms of fax usage which will the apply are set out o page 37 of the PDS. PLEASE ote that by Appoitig AN ADVISER to TRANSACT o your behalf, you ARE givig that ADVISER Ad Ay perso ACtig o behalf OF the ADVISER, AuthoRity to TRANSACT o your ACCout(S) util we receive a VAlid WRitte otificatio, siged by you, amedig or revokig this authority. Ivestmets i the Rollover & Superauatio Fud SPIN FSF0172AU (referred to as the fud ) are offered from the Coloial First State Rollover & Superauatio Fud ABN by Coloial First State Ivestmets Limited ABN AFS Licece Sigature of member 8 Date / / ColoiAL FIRST STAte USE oly CAmpAig Code Prit ame Please sed the completed form to: Coloial First State, Reply Paid 27, Sydey NSW 2001

67 Coloial First State Rollover & Superauatio Fud 65 Importat iformatio about bidig death omiatios Further iformatio about the terms i italics is i our Super terms explaied brochure. You should always refer to the most up-to-date versio available free of charge o our website, coloialfirststate.com.au, or by callig Ivestor Services o I December 2008, chages were made to legislatio to allow death beefits to be paid to a broader class of depedats icludig samesex spouses ad childre of those relatioships. These chages are reflected below. What is a bidig death omiatio? You ca complete a bidig death omiatio to require that we pay your death beefit to the depedats you omiate or to your legal persoal represetative. If you complete ad we receive your valid bidig death omiatio prior to your death, we are required to follow your omiatio. This ca provide you with greater certaity o who will receive your super beefit whe you die. It is importat to be aware before completig a bidig death omiatio that: Your bidig death omiatio must be reewed every three years to remai valid. We will geerally cotact you before your omiatio expires; however, you should always esure your omiatio is curret ad valid. Your bidig death omiatio is bidig o the trustee ad, if valid, caot be overruled by the trustee. Accordigly, you should esure it is always up-to-date ad reflects your wishes give your curret persoal circumstaces. I particular, it is importat to review that your omiatio is still appropriate ad reflects your wishes if you get married, separate or get divorced, eter a de facto relatioship (icludig same-sex), have a child, if someoe you omiate has died, or someoe becomes or is o loger fiacially depedet upo you or i a iterdepedecy relatioship with you. If you omiate your legal persoal represetative your death beefit will be paid to your estate ad distributed i accordace with your will or the laws of itestacy. This meas that the distributio may be challeged if someoe disputes your will or the distributio of your estate. If you omiate your depedats, your death beefit will be paid directly to them. Tax may be withheld from your death beefit whe paid to your depedats or distributed from your estate. There are differig tax treatmets of death beefits depedig o how old you are, how old your omiated beeficiaries are ad who you omiate ad whether it is paid as a pesio or lump sum. You should read the About superauatio sectio of the Product Disclosure Statemet (PDS) ad refer to the Super terms explaied brochure for more iformatio or talk to your fiacial adviser. To make a valid bidig death omiatio: you must be at least 18 years of age you must complete i writig, the bidig death omiatio form available i the most up-to-date PDS or o our website or by callig us by law, your omiatio will oly be valid if you omiate a perso(s) that at the time of your death is your depedat or your legal persoal represetative. Refer below for more iformatio you must complete the full ame ad date of birth of each perso omiated to esure we ca idetify them i the evet of your death you must esure that the proportio payable to each perso omiated is stated ad you have allocated 100% of your death beefit your omiatio must ot be ambiguous i ay other way you must sig the bidig death omiatio form i the presece of two witesses who are both at least age 18 ad are ot omiated o the form, ad you must sed ad we must receive your validly completed omiatio prior to your death. You may amed, reew or revoke your omiatio at ay time by completig a ew bidig death omiatio form i writig, available i the most up-to-date PDS or o our website or by callig us. Who ca you omiate? A valid bidig death omiatio ca oly omiate your legal persoal represetative or your depedats. Your legal persoal represetative is the perso appoited o your death as the executor or admiistrator of your estate. Your depedats are: your curret spouse This icludes the perso at your death to whom you are married or with whom you are i a de facto relatioship (whether of the same sex or a differet sex) or i a relatioship that is registered uder a law of a State or Territory. your child This icludes ay perso who at your death is your atural, step, adopted, ex-uptial or curret spouse s child, icludig a child who was bor through artificial coceptio procedures or uder surrogacy arragemets with your curret or the spouse. ay perso fiacially depedet o you This icludes ay perso who at your death is wholly or partially fiacially depedet o you. Geerally, this is the case if the perso receives fiacial assistace or maiteace from you o a regular basis that the perso relies or is depedet o to maitai their stadard of livig at the time of your death. ay perso with whom you have a iterdepedecy relatioship This icludes ay perso who at your death: you have a close persoal relatioship with you live together you or this perso provides the other with fiacial support, ad you or this perso provides the other with domestic support ad persoal care. The relatioship is ot required to meet the last three coditios, if the reaso these requiremets caot be met is because you or the other perso is sufferig from a disability. I establishig whether such a relatioship exists, all of the circumstaces of the relatioship are take ito accout, icludig (where relevat): the duratio of the relatioship whether or ot a sexual relatioship exists the owership, use ad acquisitio of property the degree of mutual commitmet to a shared life the care ad support of childre

68 66 Coloial First State Rollover & Superauatio Fud Importat iformatio about bidig death omiatios (cotiued) the reputatio ad public aspects of the relatioship (such as whether the relatioship is publicly ackowledged) the degree of emotioal support the extet to which the relatioship is oe of mere coveiece, ad ay evidece suggestig that the parties iteded the relatioship to be permaet. If you are cosiderig relyig o this category of depedecy to omiate a perso, you should cosider completig a statutory declaratio addressig these poits as evidece of whether such a relatioship exists. You should talk to your fiacial adviser for more iformatio. Payig your death beefit At the time of your death, we will cotact the people you have omiated i your bidig death omiatio to esure that they are still either a depedat or your legal persoal represetative. We are also geerally required to establish the idetity of this perso before payig out your death beefit. If you have omiated oe of more of your depedats, they will be provided the choice of takig their proportio of the death beefit as a lump sum cash paymet or a pesio from FirstChoice Pesio or FirstChoice Wholesale Pesio. Please ote, however, that from 1 July 2007 if you have omiated a child, the death beefit must be paid to them as a lump sum cash paymet uless the child: is uder age 18 is uder age 25 ad is fiacially depedet o you, or has a certai type of disability. If your child s persoal circumstaces chage so that they o loger meet oe of these exceptios, we will pay the remaiig accout balace to them as a lump sum cash paymet. A PDS describig the features of a pesio from FirstChoice Pesio or FirstChoice Wholesale Pesio is available o our website or by callig us. No valid bidig death omiatio Your death beefit will be paid to your legal persoal represetative if: at the time of your death, you have ot completed or we have ot received a valid bidig death omiatio you have revoked your last bidig death omiatio or it has lapsed the people you have omiated caot be idetified or are ot at the time of your death your depedat or legal persoal represetative, or the trustee determies that your bidig death omiatio is otherwise ivalid. This is geeral iformatio oly ad does ot take ito accout your persoal circumstaces. Please talk to your fiacial adviser for more iformatio o bidig death omiatios ad your persoal estate plaig eeds.

69 Coloial First State Rollover & Superauatio Fud Bidig Death Nomiatio Form Please phoe Coloial First State Ivestor Services o with ay equiries. Coloial First State Rollover & Superauatio Fud 67 Please complete this form usig BLACK INK ad prit well withi the boxes i CAPITAL LETTERS. Mark appropriate aswer boxes with a cross like the followig X. Start at the left of each aswer space ad leave a gap betwee words. form checklist Please complete this checklist before sedig the form to Coloial First State. 3 I cofirm the form has bee siged by two witesses i sectio 3. Note the witesses caot be omiated to receive your death beefit I cofirm the day the two witesses siged the form is the same day I siged the form i sectio 3 ad the form is dated accordigly I cofirm that details of my omiated depedats have bee provided i sectio ivestor details Rollover & Superauatio Fud accout umber: Title Mr Mrs Miss Ms Other Give ame(s) Surame Cotact phoe umber Postal address Uit Street umber umber PO Box Street ame Suburb State Postcode Coutry 2. omiatio details Please ote: If you wish to revoke ad remove your existig bidig death omiatio without replacig it, please cross (X) the box below: No omiatio Please provide details of your omiatios below. % of beefit (total must equal 100%) If you wish to omiate that the whole of your beefit is paid to your estate, please cross (X) the box below: Legal persoal represetative % OR Full ame date of birth % of beefit / / % Relatioship to member (please cross (X) oe): Spouse Child Fiacial depedat Iterdepedecy relatioship Legal persoal represetative Full ame date of birth % of beefit / / % Relatioship to member (please cross (X) oe): Spouse Child Fiacial depedat Iterdepedecy relatioship Legal persoal represetative

70 68 Coloial First State Rollover & Superauatio Fud 2. omiatio details (Cotiued) Full ame date of birth % of beefit / / % Relatioship to member (please cross (X) oe): Spouse Child Fiacial depedat Iterdepedecy relatioship Legal persoal represetative Total of your beeficiary omiatios (must be 100%) % Please ote: If you wish to omiate more beeficiaries, please complete a separate form. 3. declaratios A omiatio is ot cosidered valid uless it has bee completed correctly ad we receive it. Ay alteratios to your form must be iitialled by yourself ad both witesses. If you have ay questios, please cotact your adviser or Ivestor Services o Member declaratio I uderstad/declare that: by makig this omiatio, I revoke ad replace ay existig bidig death omiatio my omiatio must be my spouse, child, a perso who is fiacially depedet o me or with whom I have a iterdepedecy relatioship or a legal persoal represetative of my estate at the time of my death my beeficiary(ies) ad I will be boud by the provisios of the trust deed relatig to bidig death beefit omiatios this bidig omiatio is oly valid for three years from the date I sig it or ay cofirmatio or amedmet of it I may at ay time revoke or chage a bidig omiatio otice i accordace with the fud s procedures if a otice is ivalid or has ot bee set to the trustee whe I die, the death beefit will be paid to my legal persoal represetative this declaratio must be siged by me i the presece of two witesses (who are ot omiated) both of whom are over the age of 18 this omiatio oly applies to the accout umber idetified o this form withi Coloial First State Rollover & Superauatio Fud I have read the PDS ad agree to be boud by the provisios of the trust deed goverig the fud (as ameded) I am over the age of 18 Coloial First State ad/or its related etities will ot be liable to me or other persos for ay loss suffered (icludig cosequetial loss) i circumstaces where trasactios are delayed, blocked, froze or where Coloial First State refuses to process a trasactio or ceases to provide me with a product or service. Ivestmets i the Rollover & Superauatio Fud SPIN FSF0172AU are offered from the Coloial First State Rollover & Superauatio Fud ABN by Coloial First State Ivestmets Limited ABN AFS Licece Sigature of member 8 Prit ame Date / / Witess declaratio (caot be omiated to receive a beefit) I declare that I am over the age of 18 ad this bidig omiatio was siged by the member i my presece. Sigature of witess 1 Sigature of witess Prit ame Date / / Prit ame Date / / Please esure that the date each of the witesses sigs this form is the same as the date the member sigs, otherwise this omiatio will ot be valid. Please sed the completed form to: Coloial First State, Reply Paid 27, Sydey NSW 2001

71 Coloial First State Rollover & Superauatio Fud Direct Debit Authority Form Please phoe Coloial First State Ivestor Services o with ay equiries. Coloial First State Rollover & Superauatio Fud 69 Please complete this form usig BLACK INK ad prit well withi the boxes i CAPITAL LETTERS. Mark appropriate aswer boxes with a cross like the followig X. Start at the left of each aswer space ad leave a gap betwee words. All Rollover & Superauatio Fud accout holders must complete sectios 1 ad 2. If a third party is authorisig the accout holder (show i sectio 1) to debit their bak accout, the third party must complete sectio 2 ad sig below. 1. ACCout holder Please provide your ame ad accout umber here: Accout umber If you do ot have a accout umber, please fill i your details below. ivestor details Title Mr Mrs Miss Ms Other Give ame(s) Surame Cotact phoe umber 2. ACCout holder(s) OR third PARty I/We authorise Coloial First State Ivestmets Limited (011802), util further otice i writig to arrage for fuds to be debited from my/our accout, at the fiacial istitutio idetified as described i the schedule below, ay amouts which Coloial First State may debit or charge me/us through the Direct Debit System. Please ote: Third party bak accouts caot be used for trasactig olie without authorisatio ad sigatures from all accout holders. THE SChedule (ACCout to be debited) Name of Australia fiacial istitutio Brach ame or address Brach umber (BSB) Accout umber Name of accout holder Please update the followig services with my ew bak accout details. Please tick the appropriate box(es): Regular Ivestmet Pla Olie Services Please ote: By providig bak details i this sectio you authorise Coloial First State to retai these details for all future trasactio requests that you omiate. Please see the terms ad coditios i the curret Product Disclosure Statemet.

72 70 Coloial First State Rollover & Superauatio Fud 2. ACCout holder(s) OR third PARty (cotiued) DIRECT debit RequeST AuthoRISAtio I/We have read the Direct Debit Customer Service Agreemet provided i the PDS ad agree with its terms ad coditios. I/We request this arragemet to remai i force i accordace with details set out i the schedule ad i compliace with the Direct Debit Customer Service Agreemet. Ivestmets i the Rollover & Superauatio Fud are offered from the Coloial First State Rollover & Superauatio Fud ABN by Coloial First State Ivestmets Limited ABN AFS Licece Sigature of bak accout holder Prit ame 8 Date / / Sigature of bak accout holder 8 Date / / Prit ame Please mail the origial form to: Coloial First State Reply Paid 27, Sydey NSW 2001 Faxed copies caot be accepted.

73 Coloial First State Rollover & Superauatio Fud 71 FOR EXteRNAL FudS oly (FOR iternal RolloVERS, please REFER to SECtio 7 OF the AppliCAtio FORM. How to complete the request to trasfer form By completig this form, you will request the trasfer of your superauatio beefits betwee fuds. This form will NOT chage the fud to which your employer pays your cotributios. The stadard choice form must be used ad give to your employer by you to chage fuds. Before completig this form, please read the importat iformatio below. Whe completig this form Refer to these istructios where the form shows a message like this:! Prit clearly i BLOCK LETTERS. After completig this Sig the Attach the appropriately certified proof of idetity Review the checklist Sed the request form ad proof of idetity directly to your other super fud(s). Please do ot retur the form(s) to Coloial First State. Importat This trasfer may close your accout (you will eed to check this with your fud). This form CANNOT be used trasfer beefits if you do t kow where your superauatio trasfer beefits from multiple fuds o this oe form a separate form must be completed for each fud you wish to trasfer superauatio trasfer part of your chage the fud to which your employer pays cotributios o your behalf, ope a superauatio accout, or trasfer beefits uder certai coditios or circumstaces, for example, if there is a superauatio agreemet uder the Family Law Act 1975 i place. Checklist What happes to your future employer cotributios? Usig this form to trasfer your beefits will ot chage the fud to which your employer pays your cotributios ad may close the accout you are trasferrig your beefits from. What happes if you do ot quote your Tax File Number (TFN)? You are ot obligated to provide your TFN to your super fud. However, if you do ot provide your TFN, you may be taxed at the highest margial tax rate plus the Medicare levy o cotributios made to your accout i the year, compared to the cocessioal tax rate of 15%. We may deduct this additioal tax from your accout. If we do ot have your TFN, you will ot be able to make persoal cotributios to your accout. Choosig to quote your TFN will also make it easier to keep track of your super i the future. Uder the Superauatio Idustry (Supervisio) Act 1993, your superauatio fud is authorised to collect your TFN, which will oly be used for lawful purposes. These purposes may chage i the future as a result of legislative chage. The TFN may be disclosed to aother superauatio provider, whe your beefits are beig trasferred, uless you request i writig that your TFN is ot to be disclosed to ay other trustee. Where do I sed the form? Please retur the completed ad siged form with your certified proof of idetity documets directly to your other super fud(s). Please do ot retur the form(s) to Coloial First State. More iformatio For more iformatio about superauatio, visit the: Australia Securities ad Ivestmets Commissio website at the Australia Taxatio Office website at or the Coloial First State website at coloialfirststate.com.au. Have you read the importat iformatio? Have you completed all of the madatory fields o the form (marked with * )? Have you siged ad dated the form? Have you attached the certified documetatio icludig ay likig documets if applicable?

74 72 Coloial First State Rollover & Superauatio Fud Completig proof of idetity You will eed to provide documetatio with this trasfer request to prove you are the perso to whom the superauatio etitlemets belog. Acceptable documets The followig documets may be used: Either Oe of the followig documets oly: driver s licece issued uder State or Territory law, passport. OR Oe of the followig birth certificate or birth citizeship certificate issued by the Commowealth, pesio card issued by Cetrelik that etitles the perso to fiacial beefits. Ad Oe of the followig letter from Cetrelik regardig a Govermet assistace paymet, otice issued by Commowealth, State or Territory Govermet or local coucil withi the past 12 moths that cotais your ame ad residetial address. For example: W W Taxatio Office Notice of Assessmet, or W W rates otice from local coucil. Have you chaged your ame or are you sigig o behalf of aother perso? If you have chaged your ame or are sigig o behalf of the applicat, you will eed to provide a certified likig documet. A likig documet is a documet that proves a relatioship exists betwee two (or more) ames. The followig table cotais iformatio about suitable likig documets. Certificatio of persoal documets All copied pages of ORIGINAL proof of idetificatio documets (icludig ay likig documets) eed to be certified as true copies by ay idividual approved to do so (see below). The perso who is authorised to certify documets must sight the origial ad the copy ad make sure both documets are idetical, the make sure all pages have bee certified as true copies by writig or stampig certified true copy followed by their sigature, prited ame, qualificatio (eg Justice of the Peace, Australia Post employee, etc) ad date. Who ca certify? The followig people ca certify copies of the origials as true ad correct a permaet employee of Australia Post with five or more years of cotiuous a fiace compay officer with five or more years of cotiuous service (with oe or more fiace a officer with, or authorised represetative of, a holder of a Australia Fiacial Services Licece (AFSL), havig five or more years cotiuous service with oe or more a otary public a police a registrar or deputy registrar of a a Justice of the a perso erolled o the roll of a State or Territory Supreme Court or the High Court of Australia, as a legal a Australia cosular officer or a Australia diplomatic a judge of a court, a magistrate, or a Chief Executive Officer of a Commowealth court. Purpose Chage of ame Siged o behalf of the applicat Suitable likig documets Marriage certificate, deed poll or chage of ame certificate from the Births, Deaths ad Marriages Registratio Office. Guardiaship papers or Power of Attorey, Admiistratio orders.

75 Coloial First State Rollover & Superauatio Fud 73 Request to Trasfer Whole Balace of Exteral Superauatio beefits betwee Fuds By completig this form, you will request the trasfer of your superauatio beefits betwee fuds. This form will NOT chage the fud to which your employer pays your cotributios. The stadard choice form must be used by you to chage fuds. Please sed this form ad proof of idetity directly to your other super fud(s). Please do ot retur the form(s) to Coloial First State. persoal details Title Mr Mrs Miss Ms Other *Family ame *Give ame(s) Other/Previous ames *Date of birth / / Tax File Number Uder the Superauatio Idustry (Supervisio) Act 1993, you are ot obliged to disclose your Tax File Number, but there may be tax cosequeces.! See What happes if you do ot quote your Tax File Number? *Geder Male Female *Cotact phoe umber fud details From exteral fud *Fud ame Fud phoe umber Membership or accout umber Australia Busiess Number (ABN) Superauatio Product Idetificatio Number (SPIN)! If you have multiple accout umbers with this fud, you must complete a separate form for each accout you wish to trasfer. Residetial address Uit Street umber umber PO Box Street ame Suburb State Postcode Previous address! If you kow that the address held by your FROM fud is differet to your curret residetial address, please give details below. Uit Street umber umber PO Box Street ame Suburb State Postcode To Fud ame Rollover & Superauatio Fud Fud phoe umber *Accout umber Australia Busiess Number (ABN) Superauatio Product Idetificatio Number (SPIN) FSF0172AU *proof of idetity! See Completig proof of idetity o page 72 I have attached a certified copy of my driver s licece or passport OR I have attached certified copies of both: Birth/Citizeship Certificate or Cetrelik Pesio Card AND Cetrelik paymet letter or Govermet or local coucil otice (<oe year old) with ame ad address authorisatio By sigig this request form I am makig the followig statemets: I declare I have fully read this form ad the iformatio completed is true ad correct. I am aware I may ask my superauatio provider for iformatio about ay fees or charges that may apply, or ay other iformatio about the effect this trasfer may have o my beefits, ad do ot require ay further iformatio. I discharge the superauatio provider of my FROM fud of all further liability i respect of the beefits paid ad trasferred to Coloial First State. I request ad coset to the trasfer of superauatio as described above ad authorise the superauatio provider of each fud to give effect to this trasfer. *Name *Sigature Date / / *Deotes madatory field. If you do ot complete all of the madatory fields, there may be a delay i processig your request.

76 Coloial First State Ivestmets Limited Level Marti Place Sydey NSW 2000 GPO Box 3956 Sydey NSW 2001 Telephoe Facsimile coloialfirststate.com.au Offices i Melboure, Brisbae, Adelaide ad Perth Ivestor Services November 2009 To whom it may cocer Coloial First State Rollover & Superauatio Fud Compliace advice The Coloial First State Rollover & Superauatio Fud is a complyig, residet, regulated superauatio fud ad is costituted uder a trust deed dated 2 March The trustee of the fud is Coloial First State Ivestmets Limited ( the trustee ). I the evet that the fud s complyig status was revoked the trustee would receive otice to that effect uder sectio 63 of the Superauatio Idustry (Supervisio) Act. The trustee cofirms that it has ot received or does it expect to receive ay such otice. Yours faithfully Nigel McCammo Geeral Maager, Cliet Services For ad o behalf of the trustee, Coloial First State Ivestmets Limited Coloial First State Ivestmets Limited ABN AFS Licece (Coloial First State) is the issuer of ivestmet, superauatio ad pesio products. Iterests i superauatio ad pesio products are issued from the Coloial First State FirstChoice Superauatio Trust ABN , Coloial First State Rollover & Superauatio Fud ABN ad the Coloial First State Pooled Superauatio Trust ABN Coloial First State is a subsidiary of the ultimate holdig compay Commowealth Bak of Australia ABN AFS Licece ( the Bak ). The Bak or its subsidiaries do ot guaratee the performace of the ivestmets, retiremet ad superauatio products issued by Coloial First State ad they are ot deposits or other liabilities of the Bak or its subsidiaries.

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