North Investment Options

Transcription

1 North Investment Options Contents Guaranteed investment options Discounted investment options Stard investment options Stard Measure Other important information This document outlines the investment options available through the North Super Pension product disclosure statement (PDS), North Super Pension Guarantee PDS, North Investment investor directed portfolio service guide (IDPS) guide the North Investment Guarantee PDS. North offers a range of investment options featuring: over 80 managed funds listed securities on the Australian Securities Exchange (ASX) exchange traded funds (ETFs) exchange traded commodities (ETCs) listed investment companies (LICs) listed investment trusts (LITs) Australian real estate investment trusts (AREITs), term deposits. From time to time, we ll add or remove investment options. We recommend you consult your financial adviser before selecting the specific investment options for your investment strategy The underlying fees costs for each investment option disclosed in this document have either been sourced from an external research provider or directly from the relevant fund manager have not been independently verified by the Trustee or the administrator. costs are the ongoing fees expenses of investing in an investment option include management fees, expense recoveries, performance fees (if applicable) indirect costs. As well as management costs, transactional operational costs will generally be incurred when dealing with the underlying assets of an investment option. They include brokerage, clearing costs, stamp duty, the buy sell spreads of any underlying funds certain costs associated with holding derivatives or direct investments in real property. The net transactional operational costs shown are after any amounts recovered by the charging of a buy/sell spread. In addition, some investment options that have underlying investments that use credit facilities to gain increased asset exposures will also incur borrowing costs. costs include interest, government charges debt advisory costs. Where borrowing costs are disclosed by the fund manager, these are detailed in this document. Before selecting an investment option, you should refer to the latest costs set out in that investment option's current product disclosure statement. For more information on fees costs please refer to the North Super Pension PDS Part A, North Super Pension Guarantee PDS Part B, North Investment IDPS guide or the North Investment Guarantee PDS as applicable to you. Please submit all investment instructions through North Online, available via northonline.com.au. Issue date December 20 Registered trademark of AMP Life Limited ABN AFS Licence No. 2

2 Guaranteed investment options Investors who have selected a Guarantee between 29 July February 20 may choose from these funds: AMP Capital Cash Trust (W) North Cash Account North Guardian Moderately Defensive Fund North Guardian Balanced Fund North Guardian Growth Fund Please note that the funds available to you will vary depending on the investment strategy you have selected. For more information, please read the North Super Pension PDS Part B or North Investment Guarantee PDS. Investors who have selected a Guarantee between 0 April July 20 may choose from these funds: AMP Capital Cash Trust (W) North Cash Account North Active Defensive North Active Moderately Defensive North Active Balanced North Active Growth North Active High Growth North Index Defensive North Index Moderately Defensive North Index Balanced North Index Growth North Index High Growth Investors who have selected a Guarantee before 9 April 202 may choose from these funds: North Cash Account Aberdeen Income Focused Bond Fund AMP Capital Australian Equity Value Fund (W) AMP Capital Cash Trust (W) Ausbil Australian Active Equity Fund BlackRock Indexed Australian Bond Fund BlackRock Indexed Australian Equity Fund BlackRock Indexed Australian Listed Property Fund BlackRock Indexed International Equity Fund BlackRock Scientific Australian Equity Fund BT Core Australian Share Fund (W) BT Core Global Share Fund (W) Colonial First State Australian Share Fund Core (W) Fidelity Australian Equities Fund GMO Australian Equity Trust GMO Global Equity Trust MapleBrown Abbott Australian Share Fund (W) Perennial Value Shares Trust (W) North Active Defensive North Active Moderately Defensive North Active Balanced North Active Growth North Active High Growth North Index Defensive North Index Moderately Defensive North Index Balanced North Index Growth North Index High Growth Perpetual Australian Share Fund (W) Schroder Australian Equity Fund (W) Schroder Global Core Fund Tyndall Australian Share Portfolio (W) UBS Australian Share Fund UBS Cash Fund Vanguard Australian Fixed Interest Index Fund (W) Vanguard Australian Property Securities Index Fund (W) Vanguard Australian Shares Index Fund (W) Vanguard International Fixed Interest Index Fund (Hedged) (W) Vanguard International Shares Index Fund Vanguard International Shares Index Fund (Hedged) 2

3 Discounted investment options Managed funds APIR code b# Cash Option NML008AU AMP Capital Cash Trust (W) (v) 0. North Active IPA008AU North Active Defensive /0.0 IPA00AU North Active Moderately Defensive /0. IPA00AU North Active Balanced /0. IPA009AU North Active Growth /0. IPA000AU North Active High Growth.0 0.2/0.9 North Index NMM0AU North Index Defensive (i) NMM02AU North Index Moderately Defensive (i) / NMM0AU North Index Balanced (i) /0.0 NMM0AU North Index Growth (i) /0. NMM0AU North Index High Growth (i) /0. North Professional Series IPA0AU North Professional Conservative /0. IPA0080AU North Professional Moderately Conservative /0. IPA00AU North Professional Balanced 0.9 /0.9 IPA00AU North Professional Alternative Balanced /0. IPA008AU North Professional Growth /0.9 IPA009AU North Professional High Growth /0.9 AMP Capital Goals Based Series AMP2AU AMP Capital Core Retirement Fund /0. AMP0AU AMP Capital Corporate Bond Fund AMP90AU AMP Capital Equity Income Generator (iii) 0. IPA00AU AMP Capital Income Generator (iii) /0. AMP8AU AMP Capital Multi Asset Fund /0. IPA08AU AMP Capital Premium Growth Fund /0. Specialists Series Other Funds AMP92AU Dynamic Markets Fund /0. AMP08AU Specialist Australian Share Fund AMP09AU Specialist Australian Small Companies Fund /0. AMP992AU Specialist Diversified Fixed Income Fund /0.2 AMP099AU Specialist Geared Australian Share Fund (iv) 2.0(n) /0.0 AMP082AU Specialist International (Hedged) Share Fund. 0. /0. AMP082AU Specialist International Share Fund. 0. /0. AMP990AU Specialist Property Infrastructure Fund /

4 APIR code b# AMP Capital Experts' Choice Series HLR000AU AMP Capital Experts Choice Balanced Fund HLR000AU AMP Capital Experts Choice Conservative Fund /0. HLR000AU AMP Capital Experts Choice Growth Fund /0.2 HLR000AU AMP Capital Experts Choice Diversified Interest Income Fund /0.2 HLR0022AU AMP Capital Experts Choice Property Infrastructure Fund /0.2 HLR000AU AMP Capital Experts Choice Short Term Money Market Fund 0.0 ipac Life Choices Series IPA0AU ipac Life Choices Active /0. IPA0AU ipac Life Choices Active /0.9 IPA0AU ipac Life Choices Active /0.9 IPA0AU ipac Life Choices Active /0.9 IPA0AU ipac Life Choices Alternative Balanced /0. IPA08AU ipac Life Choices Income Generator (iii) /0. IPA09AU ipac Life Choices Index /0. IPA00AU ipac Life Choices Index / IPA0AU ipac Life Choices Index /0.2 IPA02AU ipac Life Choices Premium Growth /0. # (i) (iii) (iv) (v) For information on the Stard Measure, refer to the 'Stard Measure' section further in this document. The registered name of each of these funds is different to that shown in this document. For more information, please refer to the fund s PDS. This investment option will distribute income monthly in cash. The investment option may also pay any realised capital gains any other distributable. The management fee for this managed fund is charged on the gross assets of the fund including any borrowings. The management cost shown includes an estimate of the management fee based on the net assets of the fund. Investors who have selected a Guarantee may select these funds. Term deposits Provider AMP ANZ Adelaide Bank Westpac Please refer to northonline.com.au for the current list of terms rates. There are no underlying fees costs for Term deposits. Term deposits are not currently available on accounts with a Guarantee. Cash Account Please refer to northonline.com.au for the Cash Account performance report.

5 Stard investment options Managed funds APIR code b# Multisector Cautious SBC08AU UBS Defensive Investment Fund /0. Conservative ETL02AU Allan Gray Australia Stable Fund. BAR08AU Blackrock Scientific Diversified Stable Fund /0. IPA09AU North Guardian Moderately Defensive Fund (i) / VAN009AU Vanguard Conservative Index Fund /0. Moderately Conservative DFA00AU Dimensional World Allocation 0/0 Trust (ii) /0.0 Balanced BAR08AU BlackRock Scientific Diversified Growth Fund PWA0822AU BlackRock Wholesale Tactical Growth Fund /0.8 FSF0008AU Colonial First State Diversified Fund (W) IPA0AU North Guardian Balanced Fund (i) / MMF0AU Onepath Wholesale Managed Growth Trust (vi) /0.0 PER00AU Perpetual Balanced Growth Fund (W) / SCH002AU Schroder Balanced Fund Wholesale Class 0.8 / SBC08AU UBS Balanced Investment Fund VAN008AU Vanguard Balanced Index Fund /0. Moderately Aggressive DFA0029AU Dimensional World Allocation 0/0 Trust (ii) /0.0 IPA08AU North Guardian Growth Fund (i) /0. VAN00AU Vanguard Growth Index Fund /0. Aggressive DFA00AU Dimensional World Equity Trust (ii) /0.2 VAN0AU Vanguard High Growth Index Fund 0.29 Specialist CRS000AU Aberdeen Multi Asset Income fund / CRS0002AU Aberdeen Multi Asset Real Return Fund MAL008AU BlackRock Global Allocation Australian Fund /0.0 MAL0029AU BlackRock Global Allocation Fund /0.0 BLK0009AU BlackRock Global MultiAsset Income Fund 0. PER0AU Perpetual Wholesale Diversified Real Return Fund /0.2 SCH009AU Schroder Real Return CPI.% Fund Wholesale Class /0.8 2 SCH00AU Schroder Real Return CPI % Fund Wholesale Class 0.0 SST002AU State Street Retirement Lifestyle Builder Fund /0. SST00AU State Street Retirement Lifestyle Sustainer Fund /0.2

6 APIR code b# SST00AU State Street Retirement Lifestyle Provider Fund /0. Cash Cash Deposits SBC08AU UBS Cash Fund 0.2 Short Term Fixed Interest DDH0009AU DDH Cash Fund DFA000AU Dimensional Short Term Fixed Interest (ii) MAQ020AU Macquarie Australian Diversified Income Fund /0. VAN002AU Vanguard Cash Plus Fund 0.29 Fixed Interest Australian Fixed Interest CRS000AU Aberdeen Australian Fixed Income Fund /0.0 CSA00AU Aberdeen Active Index Income Fund 0.0 /0.0 CRS0008AU Aberdeen Inflation Linked Bond Fund /0. AMP098AU AMP Capital Wholesale Australian Bond Fund BGL00AU BlackRock Indexed Australian Bond Fund 0.0/0.0 RFA08AU BT Fixed Interest (W) / WFS0AU BT Wholesale Enhanced Cash Fund /0.0 TYN00AU Nikko AM Australian Bond Fund /0.0 IOF00AU Janus Henderson Cash Enhanced Fund 0. IOF0AU Janus Henderson Tactical Income Fund 0. SSB022AU Legg Mason Western Asset Aust Bond Trust Class A Units 0.2 ETL00AU PIMCO EQT Australian Bond Fund (W) /0.0 ETL082AU PIMCO EQT Wholesale Australian Focus Fund /0.0 SBC08AU UBS Australian Bond Fund /0.0 VAN000AU Vanguard Australian Fixed Interest Index Fund (W) 0.2 VAN002AU Vanguard Australian Government Bond Index Fund /0.0 Diversified Fixed Interest BTA08AU BT Wholesale Monthly Income Plus Fund 0. 0./ HOW002AU Kapstream Absolute Return Income Fund (W) MAQ02AU Macquarie Dynamic Bond Fund 0. ETL00AU PIMCO EQT Diversified Fixed Interest Fund (W) SCH0028AU Schroder Fixed Income Fund Wholesale Class /0.2 SBC000AU UBS Diversified Fixed Income Fund /0.0 Global Fixed Interest ADV00AU Advance International Fixed Interest Multi Blend Fund AMP0AU AMP Capital Future Directions International Bond Fund /0. BGL0008AU BlackRock Global Bond Index Fund 0./0. DFA008AU Dimensional FiveYear Diversified F/I (ii) /0.08 DFA0028AU Dimensional Global Bond Trust (ii) /0.0 DFA0002AU Dimensional TwoYear Diversified F/I (ii) /0.08 GSF0008AU Payden Global Income Opportunities 0. /0.9 ETL008AU PIMCO EQT Global Bond Fund (W) /0.0

7 APIR code b# ETL0020AU PIMCO EQT Global Real Return Fund (W) ETL098AU T. Rowe Price Dynamic Global Bond VAN00AU Vanguard International Fixed Interest Index Fund (Hedged) (W) Annuities MLT000AU Challenger Guaranteed Income Fund (. cents p.a. March 2020) (iv) MLT000AU Challenger Guaranteed Income Fund (.00 cents pa 0 Sep 2022) (iv) Specialist ACM000AU AllianceBernstein Dynamic Global Fixed Income Fund /0. FRT00AU Franklin Templeton Multisector Bond Fund (W) PER02AU JPMorgan Global Strategic Bond Fund /0. SSB00AU Legg Mason Brywine Global Opportunistic Fixed Income Fund (Class A) / ETL08AU PIMCO Income Fund Credit CSA008AU Bentham Global Income Fund (W) 0. 0./0. CSA00AU Bentham Syndicated Loan Fund (W) /0.0 MAL002AU BlackRock Monthly Income Fund (W) (vi) / FSF008AU Colonial First State Global Credit Income Fund (W) CNA080AU Invesco Senior Secured Income Fund (W) 0. MAQ02AU Macquarie Income Opportunities Fund /0. PER020AU Perpetual Diversified Income Fund (W) ETL009AU PIMCO EQT Global Credit Fund (W) / PMC00AU PM Capital Enhanced Yield Fund 0.9 PGI000AU Principal Global Credit Opportunities Fund /0. SCH00AU Schroder Credit Securities Fund (W) UBS000AU UBS Income Solution Fund /0.8 VAN00AU Vanguard International Credit Securities Indexed Hedged Fund 0.2 Property Australian Property NML000AU AMP Capital Wholesale Australian Property Fund (v) NFS0209AU Antares Listed Property Fund /0. APN0008AU APN AREIT Fund 0.8 NIl BGL008AU BlackRock Indexed Australian Listed Property Fund RFA08AU BT Property Investment Fund (W) / MAQ082AU (v), (viii) Charter Hall Direct Office (W) A /2.0 CRM008AU Cromwell Direct Property Fund CRM002AU Cromwell Phoenix Core Listed Property Fund PAL0002AU Ironbark Paladin Property Securities Fund 0.89 SSB002AU Legg Mason Australian Real Income Fund 0.8 SSB028AU Legg Mason Property Securities Trust Class A 0.8 HBC0008AU SG Hiscock Property Securities Fund (W) 0.8 CRS000AU SG Hiscock Wholesale Property Fund 0.8

8 APIR code b# SBC08AU UBS Property Securities Fund 0.8 VAN000AU Vanguard Australian Property Securities Index Fund (W) 0.2 ZUR00AU Zurich Australian Property Securities Fund /0.0 Diversified Property AMP0AU AMP Capital Core Property Fund Class A (v) /0. Global Property AMP09AU AMP Capital Global Property Securities Fund /0.0 DFA000AU Dimensional Global Real Estate Trust (ii) 0. ETL000AU SGH LaSalle Global Listed Property Securities Fund.0 0. GTU00AU Invesco Wholesale Global Property Securities Fund (Hedged) /0. MGL000AU Ironbark Global (ExAustralia) Property Securities Fund /0.0 MPL0008AU MapleBrown Abbott Global Listed Infrastructure Fund (Hedged) IOF008AU Resolution Capital Global Property Securities Fund (Hedged) Series II /0.0 IOF08AU Resolution Capital Global Property Securities (Unhedged) Series II /0.0 WHT00AU Resolution Capital Property Securities Fund /0.0 HML00AU UBS Clarion Global Property Securities Fund VAN008AU Vanguard International Property Securities Index Fund 0.0 VAN009AU Vanguard International Property Securities Index Fund (Hedged) /0.2 Australian Equities Income PPL0002AU Antares Dividend Builder /0. ETL08AU Armytage Australian Equity Income Fund BTA028AU BT Balanced Equity Income Fund. 0.2 RFA00AU BT Imputation Fund (W) / FSF09AU Colonial First State Equity Income Fund (W).2 0. IML000AU Investors Mutual Equity Income Fund 0.8 SSB00AU Legg Mason Martin Currie Equity Income Trust 0.8 ADV00AU MapleBrown Abbott Australian Share Fund (W) 0.92 HBC00AU Merlon Australian Share Income Fund (W) IOF008AU Perennial Value Shares for Income Trust /0.0 WHT009AU Plato Australian Shares Income Fund WHT00AU Plato Australian Shares Income Fund (Managed ) TYN008AU Nikko AM Australian Share Income Fund /0.0 VAN00AU Vanguard Australian Shares High Yield Fund ZUR08AU Zurich Equity Income Fund.9 0. Mid/Small/Micro Cap CSA0AU Aberdeen Australian Small Companies Fund.2 CRS000AU Aberdeen Ex20 Australian Equities Fund 0.9 HLR002AU AMP Capital Experts Choice Small Companies Fund. / AAP00AU Ausbil Australian Emerging Leaders Fund /0.0 AUG008AU Australian Ethical Australian Shares Fund /0. BFL000AU Bennelong ex20 Australian Equities Fund RFA089AU BT Small Companies Fund (W) / 8

9 APIR code b# DFA00AU Dimensional Australian Small Company Trust (ii) 0.2 EGG000AU Eley Griffiths Small Companies Fund /0.28 ANT0002AU Fairview Equity Partners Emerging Companies Fund /0.0 FID002AU Fidelity Future Leaders Fund IML000AU Investors Mutual Future Leaders Fund (W) IML000AU Investors Mutual Australian Small Companies PAT0002AU Ironbark Karara Australian Small Companies Fund.20 HOW00AU Kinetic Emerging Companies Fund (W) (vi) /0.0 HOW002AU NovaPort Microcap Fund (W) /0.0 HOW00AU NovaPort Smaller Companies Fund (W) 0.0/0.0 OPS0002AU OC Funds Premium Small Companies Fund /0.0 PER008AU Perpetual Smaller Companies Fund (W) /0. ETL002AU SG Hiscock ICE Fund /0. UBS000AU UBS Australian Small Companies /0. ZUR08AU Zurich Small Companies Fund 0. Large Cap ETL000AU Allan Gray Australia Equity Fund. PAM000AU Alphinity Australian Share (W) NML00AU AMP Capital Australian Equity Value Fund (W) HLR0002AU AMP Capital Experts Choice Australian Shares Fund /0.2 ARO00AU Arnhem Australian Equity Fund /0.0 AAP00AU Ausbil Australian Active Equity Fund /0.0 BFL000AU Bennelong Australian Equities BFL00AU Bennelong Twenty20 Australian Equities Fund BGL00AU BlackRock Indexed Australian Equity Fund 0.2/0.2 BAR08AU BlackRock Scientific Australian Equity Fund /0. BTA00AU BT Australian Share Fund (W) / RFA088AU BT Core Australian Share Fund (W) / RFA009AU BT Focus Australian Share Fund HOW009AU Challenger Alphinity Australian Equity Fund (vi) CFM00AU Colonial First State Australian Share Fund Core (W) PIM0028AU Dalton Nicol Reid Australian Equities High Conviction Fund 0.0 DFA000AU Dimensional Australian Core Equity Trust (ii) 0. DFA00AU Dimensional Australian Large Company Trust (ii) DFA00AU Dimensional Australian Value Trust (ii) 0. FID0008AU Fidelity Australian Equities Fund JBW0009AU Yarra Australian Equities Fund /0. HOW00AU Greencape Broadcap Fund (W) HOW00AU Greencape High Conviction Fund (W) 0.9 BNT000AU Hyperion Australian Growth Companies Fund /0.0 IML0002AU Investors Mutual Australian Share Fund (W) IML000AU Investors Mutual Concentrated Australian Share Fund 0.0 PAT000AU Ironbark Karara Australian Share Fund 9

10 APIR code b# TYN000AU Nikko AM Australian Share Concentrated Fund /0.0 IOF020AU Perennial Value Shares Trust (W) /0.0 PER009AU Perpetual Australian Share Fund (W) / PER002AU Perpetual Concentrated Equity Fund (W) /0. FSF09AU Realindex Australian Share Fund Class A 0. RIM0029AU Russell Australian Opportunities Fund (Class A) (vi) /0.0 SCH00AU Schroder Australian Equity Fund (W) ETL002AU SG Hiscock SGH20 Fund WHT002AU Solaris Core Australian Equity Fund. 0.0/0.0 SOL000AU Solaris Core Australian Equity Fund (Performance Alignment) /0.0 TYN0028AU Nikko AM Australian Share Fund (W) /0.0 SBC08AU UBS Australian Share Fund 0.2 UBS002AU UBS HALO Australian Share Fund VAN0002AU Vanguard Australian Shares Index Fund (W) 0.8 Specialist ACM000AU Alliance Bernstein Managed Volatility Equities Fund PPL0AU Antares Elite Opportunities Fund /0. PPL00AU Antares High Growth Shares Fund /0. AAP0008AU Ausbil 0/0 Focus Fund /0.0 AAP0002AU Ausbil Australian Geared Equity (vii) 2.0(n) /0.0 MAL002AU BlackRock Australian Equity Opportunities Fund /0.0 RFA002AU BT Ethical Share Fund (W) / RFA00AU BT Geared Imputation Fund (W) (vii) / FSF089AU Colonial First State Acadian Aust Equity Long Short (W) /0.0 FSF00AU Colonial First State Geared Share Fund (W) (vii) 2.0(n) /0. FSF0AU Colonial First State Antares Elite Opportunities (W) IML000AU Investors Mutual Industrial Fund (W) 0.2 KAM00AU K2 Australian Absolute Return Fund. 0. FHT000AU The Montgomery Fund. 0. ETL090AU L Capital Long Short Fund Retail Class..2 MMF9AU OnePath Protected AUS 0 Trust (W) /0.0 PCL000AU Pengana Australian Equities Fund 2.0 IOF0228AU Perennial Value Wealth Defender Australian Shares Trust /0.0 PER0AU Perpetual Ethical SRI Fund (W).8 0./0. PER00AU Perpetual Geared Australian Share Fund (W) (vii) 2.(n) /0.8 PER00AU Perpetual Industrial Share Fund (W) / PER002AU Perpetual Share Plus Long Short Fund (W) SST008AU State Street Australian Equity Fund /0. Global Equities Income GSF000AU Grant Samuel Epoch Global Shareholder Yield Fund (Hedged). 0. GSF0002AU Grant Samuel Epoch Global Shareholder Yield Fund (Unhedged).2 HFL002AU Threadneedle Global Equity Income Fund (unhedged).0 0

11 APIR code b# Mid/Small/Micro Cap DFA00AU Dimensional Global Small Company Trust (ii) /0.2 HOW0002AU (vi), (vii) Hunter Hall Value Growth Trust /0.0 HHA0002AU Hunter Hall Global Equities Trust (vi) /0.0 LAZ002AU Lazard Global Small Cap Fund (W) /0.0 ETL0AU Paradice Global Small Mid Cap Fund. Large Cap EQI00AU Aberdeen International Equity Fund 0.98 NML08AU AMP Capital Global Equity Value Fund (W) HLR000AU AMP Capital Experts Choice International Shares Fund. 0.2/ AMP02AU AMP Capital Res Inv Leaders Balanced Fund (Class A) /0.9 AMP0AU AMP Capital Responsible Investment Leaders International Share Fund MAQ0AU Arrowstreet Global Equity Fund /0. BGL00AU BlackRock Indexed International Equity Fund 0./0.0 BAR08AU BlackRock Scientific International Equity Fund /0. MIA000AU MFS Global Equity Trust 0. RFA082AU BT Core Global Share Fund (W) / DFA000AU Dimensional Global Core Equity Trust (ii) 0.9 DFA00AU Dimensional Global Large Company Trust (ii) 0. DFA002AU Dimensional Global Value Trust (ii) 0. FID002AU Fidelity Global demographics fund. 0.0/0.0 FID000AU Fidelity Global Equities Fund /0.0 FRT0009AU Franklin Global Growth Fund. 0.2 MAQ00AU IFP Global Franchise Fund /0. MGL000AU Ironbark Royal London Concentrated Global Share Fund 0.2 HGI000AU Janus Henderson Global Equity Income Fund /0. PER09AU JPMorgan Global Research Enhanced Index Equity MGE000AU Magellan Global Fund.8 SUN00AU Nikko AM Global Share Fund.2 ETL0AU Orbis Global Equity Fund Retail Class ETL09AU PanTribal Global Equity Fund /0. WHT00AU Plato Global Shares Income A /0.0 MAQ088AU Polaris Global equity fund.28 /0.9 FSF09AU Realindex Global Share Fund Class A 0. RIM0008AU Russell International Shares Fund (Class A) (vi) /0.0 SCH000AU Schroder Global Value Fund /0. SCH000AU Schroder Global Core Fund /0.0 SST000AU State Street Global Equity Fund /0. FSFAU Stewart Investors Worldwide Sustainability Fund Class A ETL00AU T. Rowe Price Global Equity Fund / FRT000AU Templeton Global Equity Fund. 0. VAN000AU Vanguard International Shares Index Fund 0.8

12 APIR code b# MAQ00AU Walter Scott Global Equity Fund.28 0./ AUS00AU Wingate Global Equity Fund ZUR0AU Zurich Concentrated Global Growth.0 ZUR080AU Zurich Global Growth Share Fund 0.98 ZUR00AU Zurich Investments Global Thematic Share Fund 0.98 Large Cap (Currency Hedged) CRS000AU Aberdeen Actively Hedged International Equities Fund 0.98 CSA0AU Aberdeen Fully Hedged International Equities Fund MAQ009AU Arrowstreet Global Equity Fund (Hedged) /0. DFA0009AU Dimensional Global Core Equity Trust (Hedged) (ii) /0.2 MAQ0AU IFP Global Franchise Fund (Hedged) (vi) / MGL008AU Ironbark Copper Rock Global All Cap Share Fund (vi). MGE000AU Magellan Global Fund (Hedged).2 ETL00AU MFS Fully Hedged Global Equity Trust 0.80 FSF09AU Realindex Global Share Hedged Fund Class A 0. VAN00AU Vanguard International Shares Index Fund (Hedged) 0.2 MAQ0AU Walter Scott Global Equity Fund (Hedged) /0. ZUR0AU Zurich Investments Hedged Global Thematic Share Fund 0.98 Regional EQI0028AU Aberdeen Asian Opportunities Fund.2 0./0. ETL002AU Aberdeen Emerging Opportunities Fund. 0./0. IOF020AU Antipodes Asia Fund /0.0 BTA00AU BT Wholesale Asian Share Fund / DFA00AU Dimensional Emerging Markets Trust (ii) 0.2 FID00AU Fidelity India Fund /0.0 FID000AU Fidelity Asia Fund /0.0 LAZ000AU Lazard Emerging Markets Fund /0.0 MAQ00AU Macquarie Asia New Stars No. Fund /0.0 MAQ0AU Premium China Fund PLA000AU Platinum Asia Fund. 0.2 PLA000AU Platinum European Fund. PLA000AU Platinum Japan Fund. 0.0 ETL08AU Robeco Emerging Conservative Equity Fund /0. SCH00AU Schroder Global Emerging Markets /0.0 ETL00AU T. Rowe Price Asia exjapan Fund /0.0 VAN000AU Vanguard Emerging Markets Shares Index Fund /0.0 MAQ0AU Walter Scott Emerging Markets Fund /0.2 Specialist MAQ09AU Analytic Global Managed Volatility Fund /0. IOF00AU Antipodes Global Fund /0.0 FSF089AU (v), (vii) Colonial First State Acadian Geared Global Equity (W) 2.0(n) /0. FSF0908AU Colonial First State Generation Wholesale Global Share Fund (vi) FSF008AU Colonial First State Global Resources Fund (W). 2

13 APIR code b# MGL009AU Ironbark Copper Rock Emerging Markets Opportunities Fund. 0. PER0AU PineBridge Global Dynamic Asset Allocation Fund.0 PLA000AU Platinum International Brs Fund. PLA0002AU Platinum International Fund. 0.2 PLA000AU Platinum Unhedged Fund. PMC000AU PM Capital Global Companies Fund Infrastructure Diversified AMP9AU AMP Capital Core Infrastructure Fund /0. Global AMP9AU AMP Capital Global Infrastructure Securities Fund (Hedged) AMP9AU AMP Capital Global Infrastructure Securities Fund (Unhedged) 0.82 LAZ00AU Lazard Global Listed Infrastructure Fund MAQ02AU Macquarie International Infrastructure Securities Fund (Hedged) MAQ082AU Macquarie International Infrastructure Securities Fund (Unhedged) MGE0002AU Magellan Infrastructure Fund. 0./0. MGE000AU Magellan Infrastructure Fund (Unhedged).2 0./0. MPL000AU MapleBrown Abbott Global Listed Infrastructure Fund TGP0008AU RARE Infrastructure Value Fund (Hedged).2 /0. TGP00AU RARE Infrastructure Value Fund (Unhedged).2 /0. VAN002AU Vanguard Global Infrastructure Index Fund 0.9 VAN002AU Vanguard Global Infrastructure Index Fund (Hedged) /0. Alternatives MAN0002AU MAN AHL Alpha Fund FSF08AU Aspect Diversified Futures Fund Class A 2. BFL000AU Bennelong Kardinia Absolute Return Fund MAL009AU BlackRock Australian Equity Absolute Return Fund /0.0 BLK000AU BlackRock Multi Opportunity Absolute Return Fund /0. GTU009AU Invesco Wholesale Global Targeted Returns Fund Class A /0.0 DEU009AU Ironbark Global Diversified Alternatives Fund HFL00AU Ironbark LHP Diversified Investments Fund.2 HFL008AU Ironbark LHP Global Long/Short Fund (v).8 MAQ082AU Winton Global Alpha Fund.8 0.8/0.0 ETL02AU Partners Group Global Value Fund (v) 2.9 PCL000AU Pengana Absolute Return Asia Pacific Fund (v) WMF000AU Watermark Market Neutral Trust /0.0 # (i) (ii) (iv) (v) For information on the Stard Measure, refer to the 'Stard Measure' section further in this document. This cost was not available or provided by the investment manager as at the date of this document being published. You should refer to the underlying product disclosure statement for the managed fund for full details. Investors who have selected a Guarantee may select these funds. Available through Dimensional approved advisers only. Advisers can contact Dimensional on This investment option has an early withdrawal fee. Refer to the investment option s underlying PDS, available from North Online, for further information. This investment is defined as an illiquid investment under superannuation law. This means it is unlikely that it can be redeemed proceeds returned to the member/investor within 0 days may take up to 20 days. For an explanation of illiquid investments please refer to liquidity risk in the North Super Pension PDS Part A or the North Investment IDPS Guide.

14 (vi) This investment options is closed to new investors. Existing investors that hold the fund can continue to purchase additional units. (vii) The management fee for this managed fund is charged on the gross assets of the fund including any borrowings. The management cost shown includes an estimate of the management fee based on the net assets of the fund. (viii) Not available to super or pension members.

15 Managed funds in specie only transfers In specie transfers allow you to transfer managed funds held outside of North into your North account. The transfer of managed funds into North is subject to agreement by the previous provider. You're permitted to transfer any existing holding of these managed funds, but you're not entitled to purchase additional units. For more information on in specie transfers, please contact your financial adviser. APIR code b# Multisector Conservative ADV009AU Advance Defensive Multi Blend Fund /0.2 2 BTA080AU BT Wholesale Conservative Outlook Fund / RIM0002AU Russell Conservative Fund /0. RIM002AU Russell II Portfolio /0. RIM002AU Russell II Portfolio Class B Units /0. Balanced ADV000AU Advance Balanced Multi Blend Fund RFA08AU BT Active Balanced Fund (W) / FSFAU Colonial First State FirstChoice MultiIndex Balanced Fund Class A 0. MPL000AU MapleBrown Abbott Diversified Investment Trust /0.8 RIM000AU Russell Balanced Fund /0. RIM000AU Russell Div 0 Fund Class A Units /0. RIM002AU Russell IV Portfolio /0. Moderately Aggressive ADV008AU Advance High Growth Multi Balanced Fund /0.2 RIM000AU Russell Growth Fund /0.8 RIM002AU Russell V Portfolio /0.8 RIM002AU Russell IV Portfolio Class B Units /0. RIM0028AU Russell V Portfolio Class B Units /0.8 RIM00AU Russell High Growth Fund / Cash Short Term Fixed Interest SBC082AU UBS Cash Plus Fund /0.0 Credit Mortgages AUS000AU Australian Unity High Yield Mortgage Trust AUS0AU Australian Unity Wholesale Mortgage Income Trust MMF000AU OnePath Mortgage Trust No 2 HML0002AU OnePath Monthly Income Trust (ii) Fixed Interest Australian Fixed Interest FSF09AU Colonial Income Fund MAQ00AU Macquarie Master Fixed Interest Fund /0.0 MAQ02AU Macquarie True Index Australian Fixed Interest /0.0 Global Fixed Interest PWA082AU BlackRock International Bond Fund /0.2

16 APIR code b# SBC089AU UBS International Bond Fund Property Australian Property FSF000AU Colonial Property Securities Fund 0.8 PFA000AU PFA Diversified Property Trust Diversified Property APN000AU APN Property for Income Fund (ii). APN000AU APN Property for Income Fund No.2 (ii). NIl Australian Equities Income FSF000AU Colonial Wholesale Imputation Fund Mid/Small/Micro Cap HHA000AU Pengana Australian Equities Income Fund. 0.0 MMF02AU OnePath (W) Emerging Companies Trust /0.2 PER020AU Pengana Emerging Companies Fund /0.0 Large Cap MGL0AU Aberdeen Australian Equities Fund 0.80 PWA082AU BlackRock Australian Share Fund /0.28 FSF009AU Lazard Select Australian Equity Fund (W) AJF080AU OnePath Wholesale Australian Share Trust /0.2 PER00AU Perpetual Industrial Share Fund /0. SCH0002AU Schroder Australia Equity Fund Global Equities Large Cap NML08AU AMP Capital Global Equity Value Fund (W) Regional FID00AU Fidelity China Fund /0.0 Specialist MLC0AU MLC Platinum Global Fund. 0.0/0.0 Infrastructure Global MAQ0AU Macquarie Global Infrastructure Trust II Alternatives MAN0009CK Man Investments Series OMIP (ii) MAN00CK Man Investments OMIP 220 Ltd Series (ii) MAN00CK Man Investments OMIP 220 Ltd Series 8 (ii) MAN00CK Man Investments OMIP (ii) MAN00CK Man Investments OMIP AHL Ltd (ii) MAN00CK Man Investments OMIP 2AHL Ltd (ii) MAN009CK Man Investments OMIP Eclipse 200 (ii) # For information on the Stard Measure, refer to the Stard Measure' section further in this document. This cost was not available or provided by the investment manager as at the date of this document being published. You should refer to the underlying product disclosure statement for the managed fund for full details about fees costs.

17 (ii) This investment is defined as an illiquid investment under superannuation law. This means it is unlikely that it can be redeemed proceeds returned to the member/investor within 0 days may take up to 20 days. For an explanation of illiquid investments please refer to liquidity risk in the North Super Pension PDS Part A or the North Investment IDPS guide. Listed securities You are able to invest in securities listed on the ASX. Selected listed investment companies listed property trusts are available for investment. If you are an Investor of the Investor Directed Portfolio Service (IDPS) you can invest in any direct equity or unit trusts listed on the ASX. For superannuation pension members, you will have access to the following listed securities: shares currently listed in the S&P/ASX00 index selected LICs LITs as listed on Page 8 AREITs listed on the ASX all ordinaries index. all hybrids (ie convertible notes preference shares), where the issuer is listed in the S&P/ASX00 index ETFs ETCs listed on pages 8. fixed interest securities (ie corporate bonds floating rate notes) listed on page 8. certain subclasses of shares, initial public offerings (IPOs), share purchase plans (SPPs) other securities that satisfy the Trustee s approval criteria. Securities listed in the S&P/ASX00 are subject to change, impacting the ability to invest in securities that no longer fall in the S&P/ASX00. The trustee may periodically add or remove listed securities available to superannuation pension members without warning. We recommend you obtain the latest version of this document prior to making an investment decision. When purchasing listed securities, additional costs will be incurred. These costs, which include brokerage fees, will be directly debited from your account. If using a third party broker, the cost per transaction varies between brokers is subject to change. Please refer to the North Super Pension PDS Part A or North Investment IDPS Guide for further details. Listed securities are not currently available on accounts with a Guarantee.

18 ETFs & ETCs The following exchange traded products are available to North Super Pension members. ASX code Name b# Australian Broad Based IOZ ishares MSCI Australia ILC ishares S&P/ASX ISO ishares S&P/ASX Small Ordinaries 0. MVW VanEck Vectors Australian Equal Weight ETF QOZ BetaShares FTSE RAFI Australia 200 ETF 0.0 GEAR BetaShares Geared Australian Equity Fund (hedge fund) GROW Schroders Real Return Fund STW SPDR 200 Fund 0.29 SFY SPDR 0 Fund SSO SPDR S&P/ASX Small Ordinaries Fund 0.0 NIl VAS Vanguard Australian Shares Index 0. VSO Vanguard Small Companies Index 0.0 YMAX BetaShares Australian Top 20 Equity Yield Maximiser Fund Australian Sector MVA VanEck Vectors Australian Property ETF MVB VanEck Vectors Australian Banks ETF SLF SPDR S&P/ASX 200 Listed Property Fund OZF SPDR S&P/ASX 200 Financials ex AREITS Fund 0.0 OZR SPDR S&P/ASX 200 Resources Fund 0.0 NIl NIl VAP Vanguard Australian Property Securities Index ETF 0.2 International WRLD BetaShares Managed Global Share Fund IAA ishares Asia 0 ETF 0.0 IBK ishares MSCI BRIC ETF 0.2 ITW ishares MSCI Taiwan ETF 0. IKO ishares MSCI South Korea Capped ETF 0. IHK ishares MSCI Hong Kong ETF 0.8 IHOO ishares Global 00 AUD Hedged ETF IHVV ishares S&P 00 AUD Hedged ETF IRU ishares Russell 2000 ETF IZZ ishares China LargeCap ETF 0. IJP ishares MSCI Japan ETF 0.8 IEM ishares MSCI Emerging Markets ETF 0.2 IOO ishares Global 00 ETF 0.0 IVV ishares Core S&P IJH ishares Core S&P MidCap IJR ishares Core S&P SmallCap IVE ishares MSCI EAFE ETF 0. IEU ishares Europe ETF 0.0 ISG ishares MSCI Singapore ETF 0.8 8

19 ASX code Name b# MGE Magellan Global Equities Fund. UMAX BetaShares S&P 00 Yield Maximiser Fund VEU Vanguard AllWorld EX US Shares Index 0. VGS Vanguard MSCI Index International Shares ETF 0.8 VGAD Vanguard MSCI Index International Shares (Hedged) ETF 0.2 VTS Vanguard US Total Market Shares Index 0.0 WDIV S&P Global Dividend Fund WEMG S&P Emerging Markets Fund WXHG S&P World Ex Australian Hedged Fund 0.8 WXOZ S&P World Ex Australian Fund 0.2 International Sectors NDQ BetaShares NASDAQ 00 ETF 0.8 DJRE Dow Jones Global Real Estate Fund 0.0 NIl GDX VanEck Vectors Gold Miners ETF 0. IXI ishares Global Consumer Staples ETF 0. IXJ ishares Global Healthcare ETF 0. IXP ishares Global Telecom ETF 0. IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF MICH Magellan Infrastructure Fund (Currency hedged).0 Strategy Focussed IHD ishares S&P/ASX Dividend Opportunities ETF QUAL VanEck Vectors MSCI World exaustralia Quality ETF RDV Russell High Dividend Australian Shares ETF RVL Russell Australia Value ETF SYI SPDR MSCI Australia Select High Dividend Yield Fund NIl VHY Vanguard Australian Shares High Yield ETF 0.2 Cash & Fixed Income Exposure AAA BetaShares Australian High Interest Cash ETF 0.8 BOND Australian Bond GOVT Australian Government Bond 0.0 IAF ishares UBS Composite Bond ETF IGB ishares UBS Treasury ETF 0.2 ILB ishares UBS Government Inflation Index Fund 0.2 NIl RCB Russell Australian Select Corporate Bond RSM Russell Australian SemiGovernment Bond ETF 0.2 VAF Vanguard Australian Fixed Interest Index VACF Vanguard Australian Corporate Fixed Interest Index Fund 0.2 VGB Vanguard Australian Government Bond Index ETF Commodity Exposure ETPMAG ETFS Physical Silver 0.9 GOLD ETFS Physical Gold 0.0 NIl OOO BetaShares Crude Oil Index ETF Currency Hedged (Synthetic).29 # For information on the Stard Measure, refer to the 'Stard Measure' section further in this document. 9

20 This cost was not available or provided by the investment manager as at the date of this document being published. You should refer to the underlying product disclosure statement for the managed fund for full details about fees costs LICs & LITs The following LICs LITs are available to North Super Pension members. Please note: There may be underlying fees costs for LICs LITs under new enhanced fee cost disclosure requirements. However, these have not been provided at the time of publishing this document. ASX code Name Australian Shares ARG AFI ALF MIR MLT PIC PL8 QVE SEC WAA WAM WAX WDE Argo Investments Limited Australian Foundation Investment Company Limited Australian Leaders Fund Limited Mirabooka Investments Milton Corporation Perpetual Equity Investment Company Limited Plato Income Maximiser Limited Qv Equities Limited Spheria Emerging Companies Limited WAM Active Limited WAM Capital WAM Research Limited Wealth Defender Equities Limited Australian Fixed income MXT MCP Master Income Trust International Shares MGG PAI PGF PMC Alternatives WMK Magellan Global Trust Platinum Asia Investments Limited PM Capital Global Opportunities Fund Limited Platinum Capital Limited WaterMark Market Neutral Fund Limited b # Fixed interest securities The following assets are available to North Super Pension members. You will be able to invest in other fixed interest securities that meet the Trustee s eligibility criteria, as notified by us to you. ASX code Floating Rate Notes AGKHA AMPHA ANZHA AQHHA BENHB CBAHA CNGHA CWNHA HBSHB MBLHB NABHA NABHB ORGHA TAHHB WBCHA WBCHB WOWHC Issuer AGL Energy Limited AMP Limited Australia New Zeal Banking Group APT Pipelines Limited Bendigo Adelaide Bank Limited Commonwealth Bank of Australia Colonial Holding Company Limited Crown Resorts Limited Heritage Bank Limited Macquarie Group Limited National Australia Bank Limited National Australia Bank Limited Origin Energy Limited TABCORP Holdings Limited Westpac Banking Corporation Westpac Banking Corporation Woolworths Limited # For information on the Stard Measure, refer to the Stard Measure' section further in this document. 20

21 Exchange Traded Bonds The following Exchange Traded Bonds (XTBs) are current available to North Super & Pension members. ASX code Underlying Bond Issuer ASX code Underlying Bond Issuer YTMAGL AGL.00% 0//202 AGL ENERGY LTD YTMMQG MQG.2% 0/0/2020 MACQUARIE BANK LTD YTMF0 AMP FRN 0/0/208 AMP BANK LIMITED YTMF09 MQG FRN /0/2020 MACQUARIE BANK LTD YTMAPA YTMAZJ YTMAST YTMANZ YTMF0 YTMBOQ YTMF0 YTMF08 APA.% 22/0/2020 AZJ.% 28/0/2020 AST.% 28/0/2022 ANZ.2% 0/0/2020 ANZ FRN /0/2020 BOQ.00% 2/0/208 BOQ FRN 2/0/208 BOQ FRN //209 APT PIPELINES LTD AURIZON NETWORK PTY LTD AUSNET SERVICES HOLDINGS AUST & NZ BANKING GROUP AUST & NZ BANKING GROUP BANK OF QUEENSLAND LTD BANK OF QUEENSLAND LTD BANK OF QUEENSLAND LTD YTMMGR YTMMG YTMNAB YTMNA YTMF0 YTMF0 YTMF0 YTMQF MGR.% 8/09/2020 MGR.0% 8/2/20 NAB.2% 20/0/209 NAB.00% /2/202 NAB FRN 08//208 NAB FRN 20/0/209 NAB FRN /0/2020 QAN.0% 2/0/2020 MIRVAC GROUP FINANCE LTD MIRVAC GROUP FINANCE LTD NATIONAL AUSTRALIA BANK NATIONAL AUSTRALIA BANK NATIONAL AUSTRALIA BANK NATIONAL AUSTRALIA BANK NATIONAL AUSTRALIA BANK QANTAS AIRWAYS LTD YTMBHP YTMBH YTMCTX YTMCCA YTMCWN BHP.% 8/0/20 BHP.00% 0/0/2020 CTX.2% 2//208 CCA.2% //209 CWN.% 8/0/20 BHP BILLITON FINANCE LTD BHP BILLITON FINANCE LTD CALTEX AUSTRALIA LTD COCACOLA AMATIL LTD CROWN GROUP FINANCE LTD YTMQF2 YTMQF YTMSCG YTMSGP YTMSG YTMF0 YTMSYD QAN.0% /0/202 QAN.% 9/0/2022 SCG.00% 2/0/209 SGP.0% 0/09/209 SGP 8.2% 2//2020 SUN FRN 2/0/209 SYD.% 0/0/208 QANTAS AIRWAYS LTD QANTAS AIRWAYS LTD SCENTRE GROUP TRUST 2 STOCKLAND TRUST STOCKLAND TRUST SUNCORPMETWAY LTD SYDNEY AIRPORT FINANCE YTMDXS DXS.% 0/09/208 DEXUS FINANCE PTY LTD YTMTLS TLS.% /0/2020 TELSTRA CORP LTD YTMDOW YTMDO DOW.% 29//208 DOW.0% /0/2022 DOWNERGROUPFINANCE PTY DOWNERGROUPFINANCE PTY YTMWES YTMWE YTMWBC WES.2% 28/0/209 WES.% 2/0/2020 WBC.2% 22/0/2020 WESFARMERS LTD WESFARMERS LTD WESTPAC BANKING CORP YTMGPT GPT.% 2/0/209 GENERAL PROPERTY TRUST YTMWB WBC.0% 28/0/2020 WESTPAC BANKING CORP YTMIPL IPL.% 2/02/209 INCITEC PIVOT LTD YTMF WBC FRN 28/0/2020 WESTPAC BANKING CORP YTMLLC LLC.0% //208 LENDLEASE FIN LTD YTMWOW WOW.00% 2/0/209 WOOLWORTHS LIMITED YTMLL LLC.00% /0/2020 LENDLEASE FIN LTD 2

22 Stard Measure About the Stard Measure The Stard Measure (SRM) is a common risk descriptor used by superannuation funds. It is based on guidance from the Australian Prudential Regulation Authority (APRA) to allow investors to compare managed funds that are expected to deliver a similar number of negative annual returns over any 20year period. We have introduced the SRM in accordance with the recommendations from the Financial Services Council (FSC) Association of Superannuation Funds of Australia (ASFA). SRM descriptors Each managed fund listed in the North Investment Options document has been assigned a SRM. The table below sets out the SRM labels used for each managed fund based on the estimated number of negative annual returns that a managed fund may experience over any 20year period. b 2 label Very low Low Low to medium Medium Medium to high High Very high Estimated number of negative annual returns over any 20 year period Less than to less than to less than 2 2 to less than to less than to less than or greater For example, managed funds with a risk b of have a medium to high risk label may experience between to less than years of negative annual returns over any 20year period. Limitations The SRM is not a complete assessment of all forms of investment risk does not replace the need for financial advice when constructing a managed fund portfolio. For instance, it does not detail what the size of a negative return could be or the potential for a positive return to be less than an investor may require to meet their objectives. Further, it does not take into account the impact of administration fees tax on the likelihood of a negative return. The SRM is not a comprehensive account of the risks of investing investors should consider these risk labels in conjunction with the different risks of investing that apply to their investments. Investors should still ensure they are comfortable with the risks potential losses associated with their chosen managed fund(s). Methodology The methodology used for calculating the SRM follows the FSC/ASFA recommendations is in line with market adopted practices. For full details on the methodology, please visit northonline.com.au. You can also contact your financial adviser or the North Service Centre on for any queries on the methodology. Changes to the SRM For each managed fund, any significant changes to market conditions may alter the SRM from time to time. In addition, any changes to the methodology used (including any regulatory changes) may also alter the SRM results. We will generally review the SRM each year. Differences between each provider s SRM Investors should be aware that the SRM labels used for each managed fund are based on our assessment may differ to those assigned by other providers. The differences are generally due to the methodology used in calculating the SRM. Other important information This is the investment options document for the North Personal Superannuation Pension Fund ( the Fund, also known as North Personal Super North Personal Pension or Wealth Personal Superannuation Pension Fund ABN ) should be considered together with the current North Super Pension PDS Part A. This document is jointly issued by N.M. Superannuation Proprietary Limited (NM Super) ABN , AFS Licence No. 2, NMMT Limited (NMMT) ABN , AFS Licence No. 2. This document also forms the Investment options document for the Investor directed portfolio service (IDPS) known as North Investment. The Operator of the IDPS is NMMT. Please refer to the PDS for each underlying managed fund investment option for detailed information relating to the underlying managed fund investment options. PDSs for underlying managed fund investment options do not constitute an offer or invitation to subscribe to or buy any of the securities offered by the fund managers of investment options. In addition, the fund managers of those investment options have not authorised or caused the issue of this document. The fund managers of those managed fund investment options, their respective officers, holding companies trustees do not guarantee the capital invested by members of North Personal Super, North Personal Pension North Investment IDPS investors or the performance of the plans investment options generally. The performance, the payment of any particular return or any increase in the value of the assets acquired using the investments listed in this document are not guaranteed in any way. 22

23 This publication has been prepared to provide general information only does not take into account the investment objectives, financial situation or particular needs of any particular person. It is not intended to take the place of professional advice you should not take action on specific issues in reliance on this information. Before making an investment decision, you need to consider (with or without the assistance of an adviser) whether this information is appropriate to your needs, objectives circumstances. You should obtain a copy of the relevant PDS or IDPS Guide before making a decision to invest in any financial product. Past performance is not indicative of future performance. Detailed information about the North products is contained in the PDS IDPS Guide. Applications for investment in North products will only be accepted via northonline.com.au. Copies of the PDS IDPS Guide are available on northonline.com.auor can be obtained by calling 800 8(800 NORTH). NMMT Limited, N.M. Superannuation Proprietary Limited their associates derive income from issuing interests in the product, full details of which are contained in the PDS IDPS Guide. Unless specifically stated, the repayment of capital or performance of our products are not guaranteed. This information is provided for persons in Australia only is not provided for the use of any person who is in any other country. Identifying investments The APIR codes used in this document identify the underlying investments that North will purchase on your instruction. The APIR code can assist you in obtaining the PDS for the underlying investment comparing with other investment menus. Fund manager payments NMMT may receive payments of up to 0.% from fund managers for amounts invested in particular investment options made available in this document (fund manager payments). The fund manager payment received is based on amounts invested with the fund manager the management costs of these investments. These payments, the method of calculation, may change from time to time are not an additional cost to you. costs The costs presented in this document are estimates only include expense recoveries indirect costs (performance fees where applicable other indirect costs). Before selecting an investment option, you should refer to the latest management costs set outin the relevant product disclosure statement for the particular fund. Buy/sell spread The buy/sell spread information provided in the investment options document is indicative only may not reflect the most current buy/sell spread costs that may be incurred. We maintain the right to add or remove investment options. In the event that an investment option is removed we will endeavour to give you 0 days notice to switch to an alternative investment option. Please refer to the North Super Pension PDS Part A or the North IDPS guide FSG for further information. Note: A current copy of this document is available free of charge on North s website northonline.com.au or by contacting the North Service Centre on (800 NORTH). Changes to your managed funds Fund managers of the managed fund investment options may notify us from time to time of material changes or significant events that affect an investment option you have selected. We will notify you of these changes as soon as practical through North Online. We will not be responsible for any delays in notifying you of these changes or events where the delay has been caused by a fund manager. If you wish, you may select a different investment option after you have read the uptodate information; however, regular fees charges may apply. If you do not notify us that you wish to select a different investment option contributions will continue to be invested in the existing investment option. Additional contributions After you become an investor, each time you make additional contributions to a managed fund investment option you may not have the most recent underlying fund manager PDS or have been notified about material changes or significant events relating to the investment options you have selected. You can access the most uptodate PDS for the managed fund investment options you have selected by accessing the North website on northonline.com.au. Contact us If you would like to know more about how North can help you, please visit northonline.com.au, or contact one of the following: phone web mail northonline.com.au north@amp.com.au North Service Centre GPO Box 29 MELBOURNE VIC 00 What you need to know Operator of North Investment: NMMT Limited ABN AFS Licence No. 2 Registered office: Alfred Street SYDNEY NSW 2000 Postal address: GPO Box 29 MELBOURNE VIC 00 Wealth Personal Superannuation Pension Fund ABN Trustee of Wealth Personal Superannuation Pension Fund: N.M. Superannuation Proprietary Limited ABN AFS Licence No /