Australian Catholic Superannuation and Retirement Fund Employer Sponsored, Personal Plan, MySuper, RetireChoice PDS 01 October 2015 Fees:

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1 Australian Catholic Superannuation and Retirement Fund Employer Sponsored, Personal Plan, MySuper, RetireChoice PDS 01 October 2015 Fees: From 1 October 2015, the indirect cost ratio of 0.25% was removed and replaced with an asset based administration fee of 0.25%. Fees and costs for all investment options have been updated as follows: New Fees (%) Old Fees (%) Option Name Total IMF Performance Fee Base IMF Buy / Sell Margin Total IMF Performance Fee Base IMF Buy / Sell Margin Total IMF Change (bps) Australian Shares Bonds Cash and Term Deposit Conservative Conservative Balanced Growth International Shares MySuper Balanced Property Shares Socially Responsible Balanced Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 1 of 39

2 Continued Australian Catholic Superannuation and Retirement Fund Employer Sponsored, Personal Plan, MySuper, RetireChoice PDS 01 October 2015 Investment: The investment objectives of the following funds have been updated as follows: Option Name CPI Target New Objective Time Frame CPI Target Old Objective Time Frame Australian Shares none 10 none 10 Bonds none 10 none 3 Conservative Conservative Balanced Growth MySuper Balanced Property Shares Socially Responsible Balanced Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 2 of 39

3 Continued Australian Catholic Superannuation and Retirement Fund RetireSmart PDS 01 October 2015 Investment: Australian Catholic Super released a new account based pension product called RetireSmart. RetireSmart utilise an investment bucket approach with a minimum initial investment of $100,000. Money in RetireSmart is invested in Growth and Cash buckets, with the Cash bucket credited with two years worth of member pension payments. Member accounts are re-balanced every quarter or every year to ensure that any capital growth, income or excess cash generated from the Growth bucket is distributed to the Cash bucket. Lump sum withdrawals are also taken from the Cash bucket, provided a minimum of two years worth of pension payments remains in the bucket. Any shortage of payments will be taken out of the Growth bucket. Fees: Fees associated with RetireSmart are as follows: Administration Fee: $78 per year plus 0.25% of account balance Exit Fee: $55 Withdrawal Fee: $55 Option Name Total IMF (%) Performance Fee (%) Base IMF (%) Buy / Sell Margin (%) Cash and Term Deposit Growth Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 3 of 39

4 Building Unions Superannuation Pension Choice PDS 30 September 2015 Investment: From 30 th of September 2015, the minimum initial investment in BUSSQ Pension Choice increased to $25,000 from previous $10,000. Pension members who don t make an investment choice will automatically be invested in the Blended Growth Strategy. This option invests 15% of the members funds in the cash option and 85% in the balanced growth option. Pension payments are initially drawn from funds invested in the Cash option. When the cash option is fully depleted, future pension payments will come from the balanced growth option. This strategy gives the balanced growth option, which is a longer term investment, time to grow before drawing from it. Fees: The indirect cost ratios have been updated as shown in the table below: Option Name New ICR (%) Old ICR (%) Change (bps) All Shares na Australian (Larger Companies) Shares Australian (Small Companies) Shares Australian Shares Balanced Growth Cash Defensive Diversified Fixed Interest High Growth International (Emerging Markets) Shares International Shares Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 4 of 39

5 Catholic Super Employer, Personal, MySuper, Pension PDS 01 October 2015 Fees: The investment management fees have been updated as per table below: New Fees (%) Old Fees (%) Option Name Total IMF Performance Fee Base IMF Total IMF Performance Fee Base IMF Change (bps) Aggressive Australian Shares Balanced Cash Conservative Conservative Balanced Diversified Fixed Interest FlexiTerm Deposit Moderately Aggressive Moderately Conservative Overseas Shares Property RetirePlus RetireStable Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 5 of 39

6 Grosvenor Pirie Master Superannuation Fund Series 2 Super and Account Based Pension PDS, SPDS 15 September 2015 Fund Features: Non-lapsing binding death benefit nomination and child reversionary pension have been added to the various types of beneficiaries nomination offered by the fund. Insurance: The Death and Death TPD premium rates per $1,000 insured have been updated as shown in the table below: New Rates ($) Old Rates ($) ANB Death Only Death & TPD Death Only Death & TPD Death Only Death & TPD Male Female Male Female Male Non Smoker Male Smoker Male Non Smoker Male Smoker Female Non Smoker Female Smoker Female Non Smoker Female Smoker Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 6 of 39

7 Continued Grosvenor Pirie Master Superannuation Fund Series 2 Super and Account Based Pension PDS, SPDS 15 September 2015 Insurance: The income protection premium rates per $100 of monthly benefit have been updated as shown in the table below: 30 day waiting period: New Rates ($) Old Rates ($) ANB Male Female Male Male Female Female nonsmoker smoker nonsmoker smoker Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 7 of 39

8 Continued Grosvenor Pirie Master Superannuation Fund Series 2 Super and Account Based Pension PDS, SPDS 15 September 2015 Insurance: 60 day waiting period: New Rates ($) Old Rates ($) ANB Male Female Male Male Female Female nonsmoker smoker nonsmoker smoker Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 8 of 39

9 Continued Grosvenor Pirie Master Superannuation Fund Series 2 Super and Account Based Pension PDS, SPDS 15 September 2015 Insurance: 90 day waiting period: New Rates ($) Old Rates ($) ANB Male Female Male Male Female Female nonsmoker smoker nonsmoker smoker Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 9 of 39

10 Local Government Super LGS Accumulation Scheme LGS Personal Division LGS Account-Based Pension DIY Option Product Guide 14 September 2015 Investment: In specie transfer introduced: Effective from 14 September 2015, Accumulation Scheme members can transfer their existing investments in the DIY investment option directly to the Account-Based Pension Plan without selling any of their investments. Conditions apply. Superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 10 of 39

11 MyLife MySuper Employer, Personal and MySuper PDS 01 October 2015 Fees: The investment management fees have been updated as per table below: New Fees (%) Old Fees (%) Option Name Total IMF Performance Fee Base IMF Total IMF Performance Fee Base IMF Change (bps) Aggressive Australian Shares Balanced Cash Conservative Conservative Balanced Diversified Fixed Interest FlexiTerm Deposit Moderately Aggressive Moderately Conservative Overseas Shares Property RetirePlus RetireStable Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 11 of 39

12 Perpetual s Select Superannuation Fund Perpetual Select Super Plan & Select Pension Plan PDS, Fees 1 October 2015 Fees: Perpetual Select Superannuation Plan and Pension Plan s member fee was updated from $ p.a. ($9.62 per month) to $ p.a. ($9.75 per month) Perpetual Select Super Plan and Pension Plan provide base fee (administration fee) rebate to members with large account balances. Rebate thresholds were updated for the year ended 30 June 2016: Base Fee Value of Investment (Administration Fee) Rebate (% pa) New Old Nil First $262,100 First $258, Next $612,000 Next $603, Over $874,100 Over $862,600 Perpetual Select Super Plan and Pension Plan s financial adviser commission rates thresholds updated for the year ended 30 June 2016: Ongoing Adviser Value of Investment Commission (% pa) New Old 0.55 First $262,100 First $251, Next $612,000 Next $586, Over $874,100 Over $838,000 Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 12 of 39

13 Continued Perpetual s Select Superannuation Fund Perpetual Select Super Plan PDS, Fees 1 October 2015 Fees: Perpetual Select Super Plan updated the investment management fees of the following options as of 1 October 2015: Option Name Investment Fee* (% pa) Performance Fees (% pa) Total IMF (% pa) Change (bps) New Old New Old New Old Conservative Diversified Balanced Growth High Growth Geared High Growth Cash Fixed Income Real Estate Australian Shares Geared Australian Share Limited Share International Shares (*Note: The above Investment Fee includes Investment Management Fee, Estimated Alternative Asset Fees and Other Indirect Costs) Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 13 of 39

14 Continued Perpetual s Select Superannuation Fund Perpetual Select Pension Plan PDS, Fees 1 October 2015 Fees: Perpetual Select Pension Plan updated the investment management fees of the following options as of 1 October 2015: Option Name Investment Fee* (% pa) Performance Fees (% pa) Total IMF (% pa) Change (bps) New Old New Old New Old Conservative Diversified Balanced Growth High Growth Cash Fixed Income Real Estate Australian Shares Limited Share International Shares (*Note: The above Investment Fee includes Investment Management Fee, Estimated Alternative Asset Fees and Other Indirect Costs) Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 14 of 39

15 Continued Perpetual s Select Superannuation Fund Perpetual Select Super Plan & Select Pension Plan PDS & SPDS 1 October 2015 Investment objectives: Perpetual Select Super Plan updated the CPI target within the investment return objectives of the following options as of 1 October 2015: Option Name New CPI Target (% above CPI)* Old CPI Target (% above CPI)* Conservative 1.50 (over rolling 3-year periods) 2.00 Diversified 2.00 (over rolling 3-year periods) 2.50 Balanced 2.50 (over rolling 5-year periods) 3.00 Growth 3.00 (over rolling 5-10 year periods) 3.50 Perpetual Select Pension Plan updated the CPI target within the investment return objectives of the following options as of 1 October 2015: Option Name New CPI Target (% above CPI)* Old CPI Target (% above CPI)* Conservative 2.50 (over rolling 3-year periods) 3.00 Diversified 3.00 (over rolling 3-year periods) 3.50 Balanced 3.50 (over rolling 5-year periods) 4.00 Growth 4.00 (over rolling 5-10 year periods) 4.50 (*Note: before fees and after tax) Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 15 of 39

16 Continued Perpetual s Select Superannuation Fund Perpetual Select Super Plan & MySuper Investment 1 October 2015 Risk levels: Perpetual MySuper updated the risk level of the following option as of 1 October 2015: Option Name New risk level Old risk level Perpetual MySuper Balanced Growth High Medium to High Perpetual Select Super Plan updated the risk levels of the following options as of 1 October 2015: Option Name New risk level Old risk level Conservative Medium Low to Medium Diversified Medium to High Medium Fixed Income Low to Medium Medium to High Real Estate Very High High Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 16 of 39

17 Continued Perpetual s Select Superannuation Fund Perpetual Select Super & Select Pension Plan PDS, SPDS 1 October 2015 Asset Allocation: Conservative option Growth - Assets New AA (Range) Old AA (Range) % % Australian Shares 12.5 (5-20) 12 (0-20) International Shares 12.5 (5-20) 10 (0-20) Real Estate 5 (0-10) 8 (0-15) Growth Alternatives 5 (0-15) 5 (0-15) Total Growth Assets Defensive - Assets New AA (Range) Old AA (Range) % % Diversified Credit 22.5 (0-30) - Income (Misc. Alternatives) 5 (0-10) 10 (0-20) Cash 15 (5-30) 25 (15-40) Fixed income 22.5 (10-45) 30 (20-50) Total Defensive Assets Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 17 of 39

18 Continued Perpetual s Select Superannuation Fund Perpetual Select Super & Select Pension Plan PDS, SPDS 1 October 2015 Asset Allocation: Diversified option Growth - Assets New AA (Range) Old AA (Range) % % Australian Shares 15 (5-25) 35 (25-30) International Shares 15 (5-25) 10 (0-25) Real Estate 10 (5-15) 5 (0-20) Growth Alternatives 10 (0-20) - Total Growth Assets Defensive - Assets New AA (Range) Old AA (Range) % % Diversified Credit 17.5 (0-25) - Income (Misc. Alternatives) 5 (0-10) - Cash 10 (0-25) 5 (0-25) Fixed income 17.5 (10-40) 45 (25-50) Total Defensive Assets Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 18 of 39

19 Continued Perpetual s Select Superannuation Fund Perpetual Select Super & Select Pension Plan PDS, SPDS 1 October 2015 Asset Allocation: Balanced option Growth - Assets New AA (Range) Old AA (Range) % % Australian Shares 23 (10-35) 26 (15-40) International Shares 22 (10-35) 24 (10-35) Real Estate 10 (5-15) 10 (0-20) Growth Alternatives 10 (0-20) 10 (0-20) Total Growth Assets Defensive - Assets New AA (Range) Old AA (Range) % % Diversified Credit 12.5 (0-20) - Income (Misc. Alternatives) 5 (0-10) 5 (0-15) Cash 5 (0-15) 10 (0-25) Fixed income 12.5 (0-30) 15 (5-35) Total Defensive Assets Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 19 of 39

20 Continued Perpetual s Select Superannuation Fund Perpetual Select Super & Select Pension Plan PDS, SPDS 1 October 2015 Asset Allocation: Growth option Growth - Assets New AA (Range) Old AA (Range) % % Australian Shares 30 (15-45) 32 (20-45) International Shares 30 (15-45) 28 (15-40) Real Estate 10 (5-15) 10 (0-20) Growth Alternatives 10 (0-20) 15 (0-25) Total Growth Assets Defensive - Assets New AA (Range) Old AA (Range) % % Diversified Credit 6 (0-10) - Income (Misc. Alternatives) 3 (0-10) - Cash 5 (0-15) 7 (0-25) Fixed income 6 (0-25) 8 (0-35) Total Defensive Assets Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 20 of 39

21 Continued Perpetual s Select Superannuation Fund Perpetual Select Super & Select Pension Plan PDS, SPDS 1 October 2015 Asset Allocation: High Growth option Growth - Assets New AA (Range) Old AA (Range) % % Australian Shares 33 (20-45) 48 (35-45) International Shares 32 (20-45) 35 (25-40) Real Estate 10 (5-15) - Growth Alternatives 20 (0-20) 15 (0-25) Total Growth Assets Defensive - Assets New AA (Range) Old AA (Range) % % Cash 5 (0-15) 2 (0-25) Total Defensive Assets 5 2 Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 21 of 39

22 Prime Super Prime Super, Prime Super Health Division Prime Super Allocated Income Stream PDS, SPDS 28 September 2015 Investment objectives Prime Super, Prime Super Health Division, and Prime Super Allocated Income Stream updated the CPI target within the investment return objectives of the following options as of 28 September 2015: Option Name New CPI Target (% above CPI) Old CPI Target (% above CPI) Alternatives 3.00 (over the long term) 4.00 Property 3.00 (over the long term) 4.00 Superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 22 of 39

23 Continued Prime Super Prime Super, Prime Super Health Division Prime Super Allocated Income Stream PDS, Fees 28 September 2015 Fees: Prime Super, Prime Super Health Division, and Prime Super Allocated Income Stream updated the investment management fees and performance based fees (both part of the indirect cost ratio) of the following options as of 28 September 2015: Option Name Investment Fee (% pa) Performance Fees (% pa) Total IMF (% pa) Change (bps) New Old New Old New Old MySuper/Balanced Managed Growth Conservative Alternatives Australian Shares International Shares Property Fixed Interest Cash Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 23 of 39

24 Continued Prime Super Prime Super, Prime Super Health Division Prime Super Allocated Income Stream PDS, SPDS 28 September 2015 Asset allocation: Balanced (MySuper option) Growth - Assets New AA (Range) % Old AA (Range) % Australian shares 25 (5-40) 25.5 (5-40) International Shares 21.5 (5-35) 21 (5-35) Emerging Markets 6 (0-10) 6 (0-10) Infrastructure - Growth 5.2 (0-12.5) 6.1 (0-12.5) Property 10 (0-25) 11.5 (0-25) Private Equity 0 (0-12.5) 0 (0-12.5) Total Growth Assets Defensive - Assets New AA (Range) % Old AA (Range) % Australian Fixed Interest 3 (0-15) 6 (0-15) Overseas Fixed Interest 6 (0-15) 1 (0-15) Cash 8.5 (0.5-30) 5.5 (0.5-30) Credit Opportunities 7 (0-22.5) 8.5 (0-22.5) Other Alternatives 0 (0-10) 0 (0-10) Absolute Return Strategies 0 (0-10) - Infrastructure - Defensive 7.8 (0-12.5) 8.9 (0-12.5) Total Defensive Assets Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 24 of 39

25 Continued Prime Super Prime Super, Prime Super Health Division Prime Super Allocated Income Stream PDS, SPDS 28 September 2015 Asset allocation: Conservative option Growth - Assets New AA (Range) % Old AA (Range) % Australian shares 10.5 (0-20) 11.5 (0-20) International Shares 9.5 (0-20) 8.5 (0-20) Emerging Markets 0 (0) - Infrastructure - Growth 4 (0-7.5) 4 (0-7.5) Property 6 (0-12.5) 6 (0-12.5) Private Equity 0 (0-7.5) 0 (0-7.5) Total Growth Assets Defensive - Assets New AA (Range) % Old AA (Range) % Australian Fixed Interest 12 (5-25) 23 (5-25) Overseas Fixed Interest 10 (5-25) 7.5 (5-25) Cash 38 (20-50) 29.5 (20-50) Credit Opportunities 5 (0-10) 5 (0-10) Other Alternatives 0 (0-5) 0 (0-5) Infrastructure - Defensive 5 (0-7.5) 5 (0-7.5) Total Defensive Assets Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 25 of 39

26 Continued Prime Super Prime Super, Prime Super Health Division Prime Super Allocated Income Stream PDS, SPDS 28 September 2015 Asset allocation: Managed Growth option Growth - Assets New AA (Range) % Old AA (Range) % Australian shares 32 (10-50) 32.5 (10-50) International Shares 27.5 (10-50) 27 (10-40) Emerging Markets 8.5 (0-10) 8.5 (0-10) Infrastructure - Growth 4.6 (0-12.5) 5.2 (0-12.5) Property 8 (0-20) 10 (0-20) Private Equity 0 (0-12.5) 0 (0-12.5) Total Growth Assets Defensive - Assets New AA (Range) % Old AA (Range) % Australian Fixed Interest 0 (0-10) 0 (0-10) Overseas Fixed Interest 5 (0-10) 0 (0-10) Cash 2 (0-10) 2 (0-10) Credit Opportunities 6 (0-15) 7 (0-15) Other Alternatives 0 (0-5) 0 (0-5) Infrastructure - Defensive 6.4 (0-12.5) 7.8 (0-12.5) Total Defensive Assets Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 26 of 39

27 Qantas Superannuation Plan Gateway Income Account, Division 9 and Division 14 PDS 1 October 2015 Product: On 1 October 2015, QANTAS Super launched the QANTAS Super Gateway Income Account, with which previous Division 9 and Division 14 products have now been merged. QANTAS Super Gateway Income Account members are offered fortnightly, monthly, quarterly, half yearly and annually pension payment frequencies. Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 27 of 39

28 Continued Qantas Superannuation Plan Gateway Super Account, Gateway Income Account and MySuper PDS 1 October 2015 Investments: On 1 October 2015, QANTAS Super launched the Glidepath investment option, which has been implemented as the Fund s MySuper investment option. Glidepath offers members a lifecycle investment solution comprising 4 investment stages: Take-Off, Altitude, Cruising and Destination. Investment Fees for Glidepath investment option: Glidepath Investment Option Base fee (%) Performance based fee (%) Take-Off stage Altitude stage Cruising stage Destination stage Strategic Asset Allocation (SAA) for Glidepath investment options: Take-Off Investment Option: Asset Class SAA (%) Range (%) Equities Growth Alternatives Defensive Alternatives Debt Cash Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 28 of 39

29 Continued Qantas Superannuation Plan Gateway Super Account, Gateway Income Account and MySuper PDS 1 October 2015 Investments (continued): Altitude Investment Option: Asset Class SAA (%) Range (%) Equities Growth Alternatives Defensive Alternatives Debt Cash Cruising Investment Option: Asset Class SAA (%) Range (%) Equities Growth Alternatives Defensive Alternatives Debt Cash Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 29 of 39

30 Continued Qantas Superannuation Plan Gateway Super Account, Gateway Income Account and MySuper PDS 1 October 2015 Investments (continued): Destination Investment Option: Asset Class SAA (%) Range (%) Equities Growth Alternatives Defensive Alternatives Debt Cash Investment objectives for the Glidepath investment options are as follows: Glidepath investment stage Take-Off Altitude Cruising Destination Investment objective To achieve a return that exceeds CPI by at least 5% pa over a 10 year period, after tax and investment fees; and to limit the likelihood of a negative annual return to five in 20 years (or 25% likelihood in each year). To achieve a return that exceeds CPI by at least 4% pa over a seven year period, after tax and investment fees; and to limit the likelihood of a negative annual return to four in 20 years (or 20% likelihood in each year). To achieve a return that exceeds CPI by at least 3.5% pa over a six year period, after tax and investment fees; and to limit the likelihood of a negative annual return to three in 20 years (or 15% likelihood in each year). To achieve a return that exceeds CPI by at least 3% pa over a five year period, after tax and investment fees; and to limit the likelihood of a negative annual return to three in 20 years (or 15% likelihood in each year). Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 30 of 39

31 Continued Qantas Superannuation Plan Gateway Super Account, Gateway Income Account PDS 1 October 2015 Fees: Investment Fees updated: Investment options New Base fee (%) Old Base fee (%) Change (bps) Aggressive Growth Balanced Conservative Cash Investment options New Performance fee (%) Old Performance fee (%) Change (bps) Growth Balanced Conservative Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 31 of 39

32 Continued Qantas Superannuation Plan Gateway Super Account, Gateway Income Account PDS 1 October 2015 Investment: Strategic Asset Allocation updated: Aggressive: Asset Class SAA (%) Range (%) Equities Growth Alternatives Defensive Alternatives Debt Cash Growth: Asset Class SAA (%) Range (%) Equities Growth Alternatives Defensive Alternatives Debt Cash Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 32 of 39

33 Continued Qantas Superannuation Plan Gateway Super Account, Gateway Income Account PDS 1 October 2015 Investment: Strategic Asset Allocation updated: Balanced: Asset Class SAA (%) Range (%) Equities Growth Alternatives Defensive Alternatives Debt Cash Conservative: Asset Class SAA (%) Range (%) Equities Growth Alternatives Defensive Alternatives Debt Cash Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 33 of 39

34 Continued Qantas Superannuation Plan Gateway Super Account, Gateway Income Account PDS 1 October 2015 Investment: Investment objective updated: Investment option New investment objective Old investment objective Aggressive Growth Balanced Conservative Cash achieve a return that exceeds CPI by at least 5% pa over a 10 year period, after tax and investment fees achieve a return that exceeds CPI by at least 4% pa over a seven year period, after tax and investment fees achieve a return that exceeds CPI by at least 3% pa over a five year period, after tax and investment fees achieve a return that exceeds CPI by at least 2% pa over a three year period, after tax and investment fees achieve a return equal to the Bloomberg AusBond Bank Bill Index, after tax and investment fees, over a rolling one year period achieve a return that exceeds CPI by at least 4.5% pa over a seven year period, after tax and investment fees achieve a return that exceeds CPI by at least 4% pa over a five year period, after tax and investment fees achieve a return that exceeds CPI by at least 3.5% pa over a five year period, after tax and investment fees achieve a return that exceeds CPI by at least 3% pa over a three year period, after tax and investment fees achieve a return equal to the UBSA Bank Bill Index, after tax and investment expenses, over a rolling one year period Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 34 of 39

35 Unisuper Accumulation 1, Accumulation 2, MySuper PDS 01 October 2015 Fees: The flat administration fee was reduced to $96 per annum from previous $115 while the withdrawal fee decreased to $15.80 from previous $16.50 per switch. The indirect cost ratios have been updated as per table below: Option Name New IMF (%) Old IMF (%) Change bps Australian Bond Australian Equity Income Australian Shares Balanced Capital Stable Cash Conservative Balanced Diversified Credit Income Global Companies in Asia Global Environmental Opportunities Growth High Growth International Shares Listed Property Sustainable Balanced Sustainable High Growth Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 35 of 39

36 continued Unisuper FlexiPension PDS 01 October 2015 Fees: The flat administration fee was reduced to $96 per annum from previous $115 while the withdrawal fee decreased to $15.80 from previous $16.50 per switch. The asset based administration fees for Pension members was reduced to 0.16% capped at $1,250 per year from previous 0.30% capped at $2,000 per year. The indirect cost ratios have been updated as per table below: Option Name New IMF (%) Old IMF (%) Change (bps) Australian Bond Australian Equity Income Australian Shares Balanced Capital Stable Cash Conservative Balanced Diversified Credit Income Global Companies in Asia Global Environmental Opportunities Growth High Growth International Shares Listed Property Sustainable Balanced Sustainable High Growth Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 36 of 39

37 continued Unisuper FlexiPension PDS 01 October 2015 Product Features: Death benefit options for pension members have been expanded to include non-lapsing binding nomination in addition to preferred and lapsing binding nominations. Superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 37 of 39

38 Vision Super Super Saver, MySuper, Personal and Income Stream PDS, Investment, Fees, Insurance 22 September 2015 Fees: The indirect cost ratios and buy and sell spreads have been updated as shown in the tables below: Option Name New IMF (%) Old IMF (%) Change bps Australian Equities Balanced Balanced Growth Cash Conservative Diversified Bonds Growth International Equities Just Shares Option Name New Buy Spread (%) New Sell Spread (%) Old Buy Spread (%) Old Sell Spread (%) Australian Equities Balanced Balanced Growth Cash Conservative Diversified Bonds Growth International Equities Just Shares Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 38 of 39

39 SuperRatings Get SMART Newsletter November 2015 Edition Disclaimer: SuperRatings Pty Limited ABN AFSL No (SuperRatings) is a superannuation research house with specialist areas of expertise that was originally established in The information used in compiling this data comes from sources considered reliable. It is not guaranteed to be accurate or complete. Past performance is not a reliable indicator of future performance. The data has been prepared for the purpose of providing General Advice (as defined in the Corporations Act 2001 (Cth)) only, without taking into account the objectives, financial situation or particular needs ( financial circumstances ) of any particular person. Before making any decision about a financial product in the data, the reader must consider whether it is personally appropriate in light of his or her financial circumstances, or should seek independent financial advice on its appropriateness. The reader should obtain and consider the Product Disclosure Statement from each superannuation or pension financial product before making any decision about whether to acquire a financial product. SuperRatings research process relies upon the participation of the superannuation fund or product issuer(s). Should the superannuation fund or product issuer(s) no longer be an active participant in SuperRatings research process, SuperRatings reserves the right to withdraw the rating and document at any time and discontinue future coverage of the superannuation and pension financial product(s). Copyright Disclaimer: Copyright 2015 SuperRatings Pty Ltd (ABN: AFSL No (SuperRatings)). This data is subject to the copyright of SuperRatings. Except for the temporary copy held in a computer's cache and a single permanent copy for your personal reference or other than as permitted under the Copyright Act 1968 (Cth.), no part of this publication may, in any form or by any means (electronic, mechanical, micro-copying, photocopying, recording or otherwise), be reproduced, stored or transmitted without the prior written permission of SuperRatings. This publication may also contain third party supplied material that is subject to copyright. Any such material is the intellectual property of that third party or its content providers. The same restrictions applying above to SuperRatings copyrighted material, applies to such third party content. Superratings.com.au Enquiry@superratings.com.au Level 12, 2 Bulletin Place, Sydney NSW 2000 T F Page 39 of 39