Your new ANZ Smart Choice Super account is now open!

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1 Mr Mr Sam Mark Sample Neill 17 Sample Alison Street street Sampletown SEVEN HILLS NSW NSW Product name: ANZ Smart Choice Super Member name: Sam Mark Sample Neill Member number: Employer plan: 26 May 2015 Your new ANZ Smart Choice Super account is now open! Dear Sam, Mark, Welcome to ANZ Smart Choice Super - your new SUPER home. Previously we wrote to you about OnePath Custodians Pty Limited s (Trustee) proposal to close OnePath Corporate Super and transfer your contributions, insurance and balance to a new account. As a result of that decision, the Trustee has now created an account for you in the multi-award winning* ANZ Smart Choice Super. All your super contributions are now being directed to this account, and any insurance cover you had in OnePath Corporate Super has also been transferred. Shortly, we will also close your old account in OnePath Corporate Super and transfer your balance into your new ANZ Smart Choice Super account. We have enclosed the following documents, which cover the important things you should know: your ANZ Smart Choice Super account details - please review this and ensure the information provided is correct the Product Disclosure Statement (PDS) the Electronic Access Terms and Conditions You can find further important information in the Additional Information Guide available at anz.com/smartchoicesuper and also in your Insurance Guide available at You can request a copy free of charge by calling Customer Services on What can you expect from your new super home - ANZ Smart Choice Super? Online anytime. Keep your super close with ANZ Internet Banking, ANZ gomoney and Grow by ANZ app. Competitive fees #. Competitive Administration and Investment fees. Smart investments and wide investment choice. Lifestage investments that match your age, or choose from a wide range of carefully selected investment options. Smart insurance. Flexible and affordable insurance options to suit your needs. Bring all your money into the one fund. Round up all of your other super accounts easily via ANZ Internet Banking or on your ipad or iphone with Grow by ANZ. No more paper-forms and no more multiple sets of fees. Multi-award winning solution. Be assured that your super is in one of the most awarded and fastest growing super products in Australia*. Make the most of your new super account To view and manage your super simply register for ANZ Internet Banking, our smartphone app, ANZ gomoney,appfor iphone and ipad, Grow by ANZ TM or by calling Alternatively, if you are an existing ANZ Internet Banking customer, simply log in and enter your new account number in the Link/Delink a personal account option under Update Details. (01.2) Item No W PDS Australia and New Zealand Banking Group Limited (ANZ) ABN Aust. Credit Licence No ANZ's colour blue is a trade mark of ANZ. Item W Page 1 of 6

2 A reminder of important information Your new ANZ Smart Choice Super account details. You now have a new account number for your ANZ Smart Choice Super account. Please refer to the accompanying account details. Currently you have two super accounts. Over the coming months we will close your OnePath Corporate Super account and transfer the balance to your new ANZ Smart Choice Super account on your behalf. We will send you a Transfer Statement showing all transactions on your OnePath Corporate Super account from 1 July to the date of closure. Insurance cover in ANZ Smart Choice Super. Any insurance cover you had in OnePath Corporate Super is now in ANZ Smart Choice Super. Details are included in the accompanying account details. What do you need to do? Please review your account details. If any of the personal information shown is incorrect, contact Customer Services on the number below. More information on the above changes is available at anz.com/superrenovation. If you have any questions, please: call Customer Services on , weekdays between 8.30am and 8.00pm (AEST) us at anzsmartchoice@anz.com WelcometoANZSmartChoiceSuper-welookforwardtotakingcareofyoursupernowandintothefuture. Yours sincerely, Peter Mullin Managing Director Pensions & Investments, Global Wealth Page 2 of 6

3 Your ANZ Smart Choice Super account details BSB: Account number: Your personal details Name: Mark Sam Sample NEILL Address: 17 Sample Alison Street street Sampletown SEVEN HILLS NSW Date of birth: 08/03/1967 Gender: M Employer s name: Date you joined your employer: 05/05/1994 Account commencement date: 07/05/2015 Tax File Number: Supplied address: Please provide your . Mobile phone: Please provide your number. Home phone: Please provide your number. Work phone: Please provide your number. Your investments Your investment strategy for any contributions to your account is: OnePath Capital Guaranteed % You can easily track, compare and change your investments at any time with ANZ Internet Banking, ANZ gomoney and on your ipad and iphone with Grow by ANZ TM. Your insurance cover Your insurance cover is outlined below. Death and Total and Permanent Disability (TPD) cover Type of Insurance: Choose Your Own Occupational category: Light Blue Smoker status: supplied/smoker Insurer: OnePath Life Limited Death cover: $108, TPD cover: $108, Insurance fee: $ per annum Please refer to your Insurance Guide available online at Cover will expire at age: Cover commenced: 07/05/2015 How your cover is calculated: Tailored plan members only - available from Customer Services. Application of pre-existing condition exclusion (PEC) for insurance cover (applies to OnePath Life insured employer plans only) Where your insurance cover has been increased to meet the MySuper requirements, any increase in cover is subject to the PEC exclusion. This means that the Insurer will not pay a benefit for Death, Terminal Illness or TPD (on the increased portion of cover) if the death, Terminal Illness or TPD arises directly or indirectly wholly or partially from a pre-existing condition that existed on or before the day the increased cover commenced. Broadly, a pre-existing condition means an injury, illness, condition or related symptom, whether it was diagnosed by a medical practitioner or not which, in the insurer s opinion you (or a reasonable person in your position) was aware of, or should have been aware of you had, or were intending to have, a medical consultation; or a reasonable person in your position would have had a medical consultation. Page 3 of 6

4 Income Protection cover Type of Insurance: You do not hold income protection cover Occupational category Insurer: Income Protection cover: $0.00 Benefit waiting period: Benefit period: Insurance fee: $0.00 per annum Cover commenced: How your cover is calculated: Tailored plan members only. Available from Customer Services. Non-smoker discount Where we have no record of your smoker/non-smoker status, your insurance fees are based on smoker rates. If you are a non-smoker, you are entitled to a 10% discount on your Lifestage or ChooseYourOwnDeathonly, Deathand TPD insurance fee. To receive your discount, call Customer Services. Your non-smoker status and discount will be reflected in the next monthly insurance fee deduction. This does not apply if you are a member of an employer plan with Tailored insurance cover. 'White collar' discount - transitioning members Where we have no record of your occupational category, the insurance fees for the 'light blue collar' occupational category will apply to your Lifestage or ChooseYourOwnDeathonly, Deathand TPDcover, and also to any IncomeProtection cover you have on transfer to ANZ Smart Choice Super. You are eligible for a discount if your occupation is within the 'white collar' occupational category. Generally to be classified as 'white collar' your work must be office based professional, clerical or administrative, not involving any manual work. This also includes sales people not involved in deliveries. Examples include accountant, doctor, solicitor, administrative worker and travel consultant. If your current occupation is 'white collar', you can contact Customer Service to verify your occupational category and check whether you are eligible for a 'white collar' discount. Otherwise, the 'light blue collar' occupational category will continue to apply. Changes will be reflected in the next monthly insurance fee deduction. Applications for Choose Your Own cover This special arrangement to allow you to obtain a 'white collar' discount or remain as 'light blue collar' applies only to the transfer of your existing insurance cover to ANZ Smart Choice Super. If you apply for Choose Your Own cover in ANZ Smart Choice Super for any new cover, a higher level of cover, or to remove any exclusions or loadings on your cover, the Insurer will assess your application and may offer cover subject to terms and conditions including 'white collar', 'light blue collar' or 'heavy blue collar' occupational category loadings it determines at the time. Please refer to the Insurance Guide, which forms part of the ANZ Smart Choice Super PDS for further information about Insurance fees and occupational loading factors. Occupational category loadings do not apply if you are a member of an employer plan with Tailored insurance cover. If your employer currently meets part or all of the cost of your cover this arrangement remains in place, however, you should be aware that your Insurance fee will now be first deducted from your account and your employer will then make an employer additional contribution* in reimbursement of the applicable Insurance fee. *Employer additional contributions are counted towards your concessional contribution cap. Consider contributing extra to your super Contributing a little extra now may have a large impact when you retire. You or your employer can make contributions to your super via BPAY at any time BPAY Contact your participating financial institution to make contributions from your bank account. You, your spouse or your employer, will need to provide the following details Biller Code Refer to the table below for the appropriate BPAY Biller Code. Reference Code Note: The Reference Code is the combination of your ANZ Smart Choice Super BSB and account number. Page 4 of 6

5 Contribution type BPAY Biller code Superannuation Guarantee (employer contribution) Salary Sacrifice Employer Additional Member Voluntary (after tax) Spouse Contribution For all other contributions that are not covered in the above tables please contact Customer Services on Your employer s nominated financial adviser Financial advice can help you identify and plan to achieve your financial goals. For more information please contact: No financial adviser has been nominated GPO Box 5107, Sydney NSW 2001 T E anzsmartchoice@anz.com W anz.com/superrenovation OnePath Custodians Pty Limited ABN AFSL RSE L Important information ANZ Smart Choice Super is issued by OnePath Custodians Pty Limited (OnePath Custodians) ABN , AFSL , RSE L , a wholly owned subsidiary of Australia and New Zealand Banking Group Limited (ANZ) ABN OnePath Custodians is not a bank and ANZ does not guarantee OnePath Custodians or investment in the product. This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of the information, having regard to your objectives, financial situations or needs. You should read the relevant Product Disclosure Statement (PDS) before deciding to acquire or hold the product. Visit anz.com or call Customer Services on to obtain a copy of the PDS. Other key features including insurance, available investment options and performance, exit fees, functionality and where your future employer contributions will be paid are relevant when choosing a super fund. Before you transfer your money into ANZ Smart Choice Super, you need to consider if you will lose any benefits, in particular insurance cover, or whetheryouwillpayany exit or withdrawal fees, incur any investment costs, if you will be changing your investment risk or whether you are eligible to obtain adequate insurance in ANZ Smart Choice Super. You can find this information on your annual statements or other documents for your existing accounts. You should consider whether you are eligible for insurance cover via ANZ Smart Choice Super and whether that insurance is suitable for your needs as it may be subject to different terms and conditions to your current insurance. You can also apply to transfer your existing Death and TPD cover to ANZ Smart Choice Super before you complete the rollover by calling * ANZ Smart Choice Super was awarded Money Magazine's Best of the Best 2015 award for the Lowest-Cost Default Super Fund for the ANZ Smart Choice Super s.ANZ Smart Choice Super (MySuper) received a Gold rating in SuperRating s 2015 product rating. SuperRatings awarded ANZ Smart Choice Super the Best New Product and Fast Mover awards for Temporary service disruptions may occur. ANZ gomoney is a registered trademark of ANZ. Grow by ANZ is provided by and is a trademark of ANZ. ANZ recommends you read the Grow by ANZ Terms and Conditions available at and consider if this service is appropriate to you prior to making a decision to acquire or use Grow by ANZ. ipad and iphone are trademarks of Apple Inc., registered in the U.S. and other countries. # Research conducted by SuperRatings Pty Ltd, holder of Australian Financial Services Licence No Analysis current as at December 2014 and limited to the member, administration and investment management fees of 410 retail, industry, corporate and government pension funds including MySuper options. In conducting the analysis, the ANZ Smart Choice Super s diversified investment option has been compared against the main Balanced option of products contained within the SuperRatings database. Annual fees are calculated on a constant $50,000 super balance. Data used in the research from sources considered reliable. It is not guaranteed to be accurate or complete. For a copy of the latest SuperRatings research, call or go to Australia and New Zealand Banking Group Limited (ANZ) 2013 ABN ANZ's colour blue is a trademark of ANZ. Page 5 of 6

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