Select Super FEES AND COSTS & OTHER IMPORTANT INFORMATION 1 JANUARY 2018

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1 Select Super FEES AND COSTS & OTHER IMPORTANT INFORMATION 1 JANUARY 2018 This document shows the fees and other costs that you may be charged. These fees and costs may be deducted from your money, from the returns on your investment or from the fund assets as a whole. Taxes and insurance costs are set out in the PDS and the Select Super: Insurance Other Important Information document [which also forms part of the PDS]. You should read all of the information about fees and costs because it is important to understand their impact on your investment. Fees and costs for particular investment options are set out on page 4 and 5. The information in this document forms part of the Product Disclosure Statement [PDS] for Select Super effective 1 January 2018 and should be read in conjunction with the PDS. You should consider this information and the information in the PDS before making a decision to invest in Intrust Super s Select Super product. Issued by IS Industry Fund Pty Ltd MySuper Unique Identifier: ABN: AFSL No: RSE Licence No: L Intrust Super ABN SPIN: HPP0100AU RSE Registration No: R

2 Fees and costs summary table Type of fee or cost Amount How and when paid Investment Fee 1.06% 1,2 Deducted from gross earnings before unit prices are declared. Administration Fees: Administration Fee Indirect Administration Fee $1.75 per week 0.15% p.a. Deducted from your account at the end of each month. Deducted from weekly gross earnings before unit prices are declared. Buy-sell Spread Nil N/A Switching Fee Nil N/A Exit Fee $55 Deducted from your account for each withdrawal or if your account is closed. Advice fees relating to all members investing in the Balanced or other investment options. Variable depending on the advice received. This fee will be agreed between you and your Adviser before you receive advice. Not applicable. Other fees and costs Refer to Additional explanation of fees and costs on page 3. Indirect Cost Ratio 0% N/A 1. The Investment Fee includes a performance-based fee of 0.22% 2. These fees are an estimate, derived from the actual fees and costs for the Balanced option for the year ended 30 June [ 2 ] SELECT SUPER FEES AND COSTS 1 JANUARY 2018

3 Additional explanation of fees and costs OTHER SERVICE FEES These service fees are only payable as described in the how and when paid column Type of fee or cost Amount How and when paid Contribution Splitting Fee: The fee charged for splitting your contributions. Family Law Fee: Payment Split. Additional information: The fee for providing additional information to assist in Family Law matters. Insurance premiums: Financial Advice Fee: $70 This fee is deducted from the account that receives the contributions originally and is paid when the contribution split takes place. $100 [each spouse pays a fee of $50] This fee is deducted from your account and from the amount being transferred to the nonmember spouse at the time the Payment Split is implemented. $25 Deducted from your account at the time of your request. Variable depending on the amount and type of cover you have. Visit intrust. com.au for more details. Variable depending on the advice received. This fee will be agreed between you and your Adviser before you receive any advice. Premiums are deducted from your account monthly [i.e. the last Friday of every month]. Deducted from your member account and paid to financial advice service provider after you have received the advice. Fees and costs for particular investment options Depending on the investment option, including the MySuper option, you have chosen to invest your super money in, the fees and costs you will be charged will differ. intrust.com.au [ 3 ]

4 Fees and Costs Investment Option Administration fee 2 Investment Fee 1, 2 Indirect Cost Ratio Balanced option 0.15% 1.06% 0.00% Growth 0.15% 1.08% 0.00% Stable 0.15% 0.84% 0.00% Australian shares 0.15% 1.05% 0.00% International shares 0.15% 0.66% 0.00% Property* 0.15% 2.62% 0.00% Bonds 0.15% 0.41% 0.00% Cash 0.15% 0.12% 0.00% Combined shares 0.15% 0.84% 0.00% Conservative 0.15% 0.89% 0.00% The investment fee includes the following: Investment Option Performance Fee Transactional and Operational Costs Balanced option 0.22% 0.31% Growth 0.21% 0.30% Stable 0.20% 0.26% Australian shares 0.30% 0.23% International shares 0.00% 0.10% Property* 0.65% 1.44% Bonds 0.07% 0.11% Cash 0.00% 0.08% Combined shares 0.14% 0.16% Conservative 0.20% 0.26% Performance fees are fees paid to the Fund s Investment Managers when their returns exceed agreed benchmarks. Performance fees may be included in Investment Fee for some investment options outlined above and deducted from the investment returns before they are credited [or debited] to your account. Performance fees can be hard to predict because the level of outperformance by the Investment Managers is not known in advance. An Investment Manager will not be paid a performance fee for any period where they underperform the stated benchmark, ensuring any payments made are fair and reasonable. The above table details investment management fees and performance fees as at 30 June It s important to note that future performance fees may exceed those shown. Transactional and Operational Costs include costs incurred either directly or indirectly in relation to investments, such as brokerage. Any transactional and operational costs incurred are deducted before unit prices are declared. *The Fund s property assets incurred larger than usual performance fees and transaction costs due the sale of significant assets within the sector. [ 4 ] SELECT SUPER FEES AND COSTS 1 JANUARY 2018

5 Additional Fees and Costs Investment Option Explicit costs Implicit Costs Property Operating Costs Borrowing Costs Balanced option 0.21% 0.10% 0.04% 0.18% Growth 0.22% 0.09% 0.04% 0.17% Stable 0.17% 0.09% 0.03% 0.15% Australian shares 0.22% 0.14% 0.00% 0.00% International shares 0.07% 0.06% 0.00% 0.00% Property* 1.28% 0.00% 0.34% 1.17% Bonds 0.02% 0.12% 0.00% 0.00% Cash 0.08% 0.00% 0.00% 0.00% Combined shares 0.14% 0.10% 0.00% 0.00% Conservative 0.16% 0.10% 0.03% 0.14% Explicit costs refer to the costs incurred either directly or indirectly in relation to investments, such as brokerage, buy-sell spreads, settlement costs, etc. Implicit costs refer to costs included in the price of assets for example, bid/ask spreads. Borrowing costs are incurred via an interest that relates to a credit facility, for example, interest, establishment fees and associated legal costs. Any borrowing costs incurred are deducted before unit prices are declared. This is an additional cost to members. Property Operating Costs are costs incurred in operating the property. Any Property Operating costs incurred are deducted before unit prices are declared. This is an additional cost to members. The Fees and Costs shown are based on fees and costs incurred for the year ending 30 June 2017 and may vary from year to year. *The Fund s property assets incurred larger than usual performance fees and transaction costs due the sale of significant assets within the sector. Increase to the charges The administration fees quoted may change from time to time. You will be notified of any increase at least 30 days in advance of its application. intrust.com.au [ 5 ]

6 Keep in touch It s important that you tell us if you change your address so that you continue to get all the information issued by Intrust Super and so your account doesn t become lost. You can do this via MemberAccess or using any of the contact details listed below. Not yet registered for MemberAccess? Visit intrust.com.au today to get started. Once you have registered for MemberAccess you can view your account balance, contact details and much more 24/ intrust.com.au HZ/SUPER/FEES&COSTS/IBR /18 ISS13 Visit Level 21, 10 Eagle Street, Brisbane QLD 4000 Mail GPO Box 1416, Brisbane QLD 4001 Fax info@intrust.com.au CONNECT WITH US facebook.com/intrustsuperfund twitter.com/intrustsuper