ANZ OneAnswer Allocated Pension Application Form

Transcription

1 ANZ OneAnswer Allocated Pension Application Form 1 June 2003

2 An investment in ANZ OneAnswer Allocated Pension is neither a deposit nor a liability of: >Australia and New Zealand Banking Group Limited ABN or any of its related corporations (ANZ Group) > INGA, ING Bank (Australia) Limited ABN (ING Bank), ING Investment anagement Limited ABN (INGI) or any other company in the ING Group (ING) other than ANZ Life Assurance Company Limited ABN (ANZ Life). In the application forms, the terms, ANZ and us refers to ANZ Life. The invitation to invest in the ANZ OneAnswer Allocated Pension investment funds in the PS accompanying the application form is only available to persons receiving the PS in Australia. It is not made, directly or indirectly, to persons in any other country. ANZ anaged Investments Limited ABN Kent Street Sydney NSW 2000 Telephone Website investor@ing.com.au

3 ANZ OneAnswer Allocated Pension Application Form ated 1 June 2003 Before you sign this application form, the Trustee or financial adviser is obliged to give you a Product isclosure Statement (PS) which accompanies this application form. The PS will help you to understand the product and to decide whether it is appropriate to your needs. Please ensure that you have read the entire PS (consisting of Part One and Part Two). If you have received this application form electronically, we will provide a paper copy of the PS and this application form free of charge on request. How to invest To make your investment in ANZ OneAnswer Allocated Pension: 1 Complete all relevant sections and sign the application forms (use crosses in boxes marked with an x ). 2 Where contributing money (rather than rolling over) to the ANZ OneAnswer Allocated Pension this must be done via an ANZ (or other complying) superannuation fund, rollover fund or Retirement Savings Account. 3 Complete the Transfer Service application form to enable the rollover of unrestricted non-preserved Eligible Termination Payment(s) required to purchase the ANZ OneAnswer Allocated Pension. If you wish to initiate the rollover(s) yourself, your application form must include clearly marked copies of the documentation that you have sent to the other financial institution. Where the rollover is from an eligible ANZ/ING product, please send all documentation to us in all instances. 4 All cheques should be made payable to ANZ Life Limited. 4 1 ANZ Oneanswer OneAnswer Allocated Personal Super Pension 5 Forward your completed application form and Tax File Number eclaration form to your financial adviser, any ANZ branch or ANZ Life, GPO Box 4028, Sydney NSW Cheques may be deposited at any ANZ branch using the deposit slip attached to this application form. The only means of applying for ANZ OneAnswer Allocated Pension is by completion of the application form attached to a current PS. The PS may be withdrawn and/or replaced at any time. Applications made on a withdrawn PS will be declined. ICR NUBER Australia and New Zealand Banking Group Limited CREIT PITT & HUNTER STS BRANCH 68 PITT ST SNE NSW EPOSIT SLIP (With recourse on all documents. Proceeds of cheques etc unavailable until cleared. Accepted on the condition that any marking specifying that the deposit is to be applied to a particular drawing is not binding on ANZ. ANZ is not responsible for delays in transmission if lodged at another bank or branch.) RAWER BANK BRANCH CASH Amount of cheque $ $ / / NO CASH ACCEPTE TELLERS INITIALS CUSTOER NAE AGENT COE For credit of ANZ Life Assurance Company Limited ABN TOTAL $

4 5 2 ANZ Oneanswer OneAnswer Allocated Personal Super Pension This section of the page has been left blank intentionally etails of cheques, etc to be completed by customer rawer Bank Branch Amount $

5 ANZ OneAnswer Allocated Pension Application Form Adviser s Stamp ated 1 June 2003 A Supplementary Product isclosure Statement was issued on 10 September ou should read this supplement in conjunction with the PS prior to making an application for this product so that you understand the changes that have been made to the product. L2170/0903 Customer I no. Special instructions See attached See page 7 1. Applicant details Title r rs s iss r Other Surname Given name(s) Address ale Female ate of birth State Telephone Home Business obile Facsimile Postcode 3 ANZ OneAnswer Allocated Pension Postal address (if different from above) State Postcode 2. Fee structures Please select one of the following fee structures: Entry Fee option Nil Entry Fee option Note: An application cannot be processed unless an option is nominated 3. How will your investment be made? Please also complete section 4 Transfer from non-anz/ing product only (Please also complete form on page 11) Fund manager Rollover 1 $ Rollover 2 $ Rollover 3 $ Transfer from ANZ/ING product only Policy/ember number Amount 1 $ Amount 2 $ Transfer from other ANZ/ING superannuation products only o you intend to claim a tax deduction on any contributions? es If yes, how much? $ No Financial year ending Note: Only self-employed or substantially self-employed people may claim a tax deduction for personal contributions made to a superannuation fund no later than 28 days following the month in which they turn 70. If you are unclear about your self-employment status, please consult a qualified taxation adviser. This forms a notice under 82AAT(1A) of the Income Tax Assessment Act 1936 to the Trustee of your fund for the relevant financial year. ANZOAAP06/03

6 Pre 1994 income streams oes the purchase price arise directly from the commutation or residual capital value of an allocated pension, allocated annuity or immediate annuity which commenced prior to 1 July 1994? es No Tax deductible amounts of pre 1 July 1994 income streams will not retain their pre 1 July 1994 status if they are consolidated into ANZ OneAnswer Personal Super prior to commencing your ANZ OneAnswer Allocated Pension (this includes consolidations via the ANZ OneAnswer Superannuation Transfer and Consolidation Service). 4. How are the amounts to be invested and income payments made? 4 ANZ Oneanswer Allocated Pension Fund name Initial investment Income payment ING ING Cash (PE10, PN10) $ ING ortgages* (PE11, PN11) $ ING Capital Guaranteed (PE01, PN01) $ ING iversified Fixed Interest (PE15, PN15) $ ING Income (PE02, PN02) $ ING Conservative (PE03, PN03) $ ING Income Plus (PE07, PN07) $ ING Balanced (PE04, PN04) $ ING Tax Effective Income (PE08, PN08) $ ING anaged Growth (PE05, PN05) $ ING Active Growth (PE09, PN09) $ ING Property Securities (PE12, PN12) $ ING Blue Chip Imputation (PE14, PN14) $ ING Australian Shares (PE13, PN13) $ ING Sustainable Investments $ Australian Shares (PE17, PN17) ING Global Sector (PE16, PN16) $ ING New Asia Shares (PE18, PN18) $ ING High Growth (PE06, PN06) $ inimums: initial $20,000 (Entry Fee option) and Please pay my income $30,000 (Nil Entry Fee option), $250 per investment fund from the following options Please specify the dollar amount, or percentage, (ensure the total equals 100%) if specific amount is unknown. Optimix Optimix Enhanced Cash (PE23, PN23) $ Optimix Australian Fixed Interest (PE24, PN24) $ Optimix Capital Stable (PE19, PN19) $ Optimix oderate (PE20, PN20) $ Optimix Growth (PE21, PN21) $ Optimix Australian Property Securities $ (PE26, PN26) Optimix Australian Shares (PE25, PN25) $ Optimix Global Shares (PE27, PN27) $ Optimix Global Smaller Companies $ Shares (PE28, PN28) Optimix High Growth (PE22, PN22) $ If no selection is made, your income payments will be made in the same proportions as the investments funds chosen. * Income payments are limited to the same percentage as the initial investment. ANZOAAP06/03

7 Fund name Initial investment Income payment External managers inimums: initial $20,000 (Entry Fee option) and Please pay my income $30,000 (Nil Entry Fee option), $250 per investment fund from the following options Please specify the dollar amount, or percentage, (ensure the total equals 100%) if specific amount is unknown. UBS iversified Fixed Income (PE31, PN31) $ Credit Suisse Property (PE32, PN32) $ State Street Australian Index Plus (PE41, PN41) $ AP Henderson Equity (PE29, PN29) $ Colonial First State Imputation (PE36, PN36) $ Investors utual Australian Shares (PE39, PN39) $ Perpetual Australian Shares (PE35, PN35) $ Schroder Australian Equity (PE34, PN34) $ State Street Global Index Plus $ (Hedged) (PE42, PN42) AA Global Equity Value (PE38, PN38) $ BT Putnam Global Core Hedged (PE40, PN40) $ Credit Suisse International Shares (PE37, PN37) $ Fidelity Perpetual International Shares (PE30, PN30) $ Total $ or % % If no selection is made, your income payments will be made in the same proportions as the investments funds chosen. 5 ANZ Oneanswer Allocated Pension 5. Pension payment details ate of first payment Payments may only be made on the 21st of a given month. If your ANZ OneAnswer Allocated Pension commences before 1 April, your first payment must be received before the following 1 July. If your ANZ OneAnswer Allocated Pension commences after 31 arch, you may defer your first payment until 30 June in the following financial year. In the first year that you commence your ANZ OneAnswer Allocated Pension, your income payments will be pro-rated for that financial year. onth January February arch April ay June July August September October November ecember Frequency of payments From the date of the first payment, please make future income payments: onthly Quarterly Half early early Payment amount Please nominate the amount of income before tax that you would like to receive on each payment date: inimum payment aximum payment Other payment amount of $* * This amount must be within the minimum and maximum pension payment limits. Please see Part Two of the PS for further details. 6. Payment instructions onthly, quarterly, half yearly and yearly income payments can be made to any nominated cheque or savings account by direct credit. Name of financial institution Branch address Full account name Branch number (BSB) (always 6 digits ie xxx-xxx) Account number Pay The Sum of JOHN CITIZEN SAPLE CHEQUE ONL Branch Number Account Number Note: irect crediting is not available on the full range of accounts. If in doubt, please refer to your financial institution. ANZOAAP06/03

8 7. Nomination of reversionary pensioner (optional) Name Nomination of reversionary pensioner (spouse only). ate of birth If address is different from principal pensioner, please attach details. 6 ANZ Oneanswer Allocated Pension If you choose a reversionary pensioner, the longest life expectancy is used for the calculation of the deductible amount. If you choose a reversionary pensioner, this may reduce the tax exempt portion of the pension payments you receive before death. Please refer to of Part Two of the PS for further information. If you wish to nominate a binding or non-binding beneficiary in addition to a reversionary pensioner, please see pages 17 and Adviser Service Fee I confirm that I agree to an Adviser Service Fee of. % p.a. (maximum of 1.0% p.a.) and direct you to deduct that fee from my investment and paid to the adviser nominated in section 10. This amount will be withdrawn by redeeming units in the following investment fund(s): (insert investment fund name) Signature of applicant ate Note: If no investment fund is nominated, the Adviser Service Fee will be deducted proportionately across the investment funds. 9. Application for membership (declaration to be completed by the applicant) Before you sign this application form, the Trustee or financial adviser is obliged to give you a PS which accompanies this application form. The PS will help you to understand the product and to decide whether it is appropriate to your needs. Please ensure that you have read the entire PS (consisting of Part One and Part Two). By completing this application form, I/we: > authorise the collection, use and disclosure of my/our personal information for the purpose of the assessment of my/our application and if accepted, the management and administration of those products and services in which I/we have invested or for which I/we wish to apply as outlined in the Privacy section in Part Two of the PS. I/We understand that unless I/we consent to the collection, use and disclosure identified in the Privacy section, ANZ and ING will not be able to process my/our application or to deliver the relevant products or services. > accept that ING/ANZ may send me/us information about its products or services from time to time. I/We understand that I/we may notify you of my/our decision not to receive further information by contacting you directly. > authorise my/our financial adviser named in section 10 to receive and access my/our personal information for the purposes of managing my/our investment. Where there is any change to this authority or relating to my/our adviser, I/we will notify you of the change. > agree to be bound by the provisions of the Trust eed for ANZ Personal Superannuation Fund. > acknowledge that the return of capital or the performance of any investment fund is not guaranteed by the Trustee or any other person, unless otherwise stated. > acknowledge that the Adviser Service Fee option in section 8 will not be charged unless otherwise agreed with my/our financial adviser. Where an amount is agreed with my/our adviser, it is presently calculated, and deducted monthly. > consent to telephone conversations being recorded and listened to for training purposes or to provide security for transactions. By signing this application form, I/we confirm that I/we have read and understood the declarations above, conditions and acknowledgments in Part One and Part Two of the PS. I/We, the applicant/reversionary pensioner, whose signature(s) appears below, state that the statements made in this application form are true and correct. Signature of applicant (sign clearly within the box) ate Signature of reversionary pensioner (if applicable) ate Please make cheques payable to ANZ Life Limited ANZOAAP06/03

9 This page is to be completed by the adviser only 10. Adviser details Share code Seller code 3 Company name Name of adviser Adviser code Telephone Facsimile 11. Commission A. Initial commission rebate (Entry Fee option or Nil Entry Fee option) If you wish to rebate a portion of your initial commission please nominate one of the following: Initial commission to be paid to adviser excluding 10% GST. % (e.g. 3.00% means commission paid is 3.30% including GST) OR Percentage of initial commission to be rebated. % (e.g. 100% means all initial commission (excluding the 10% GST component) will be rebated to your client) 7 ANZ Oneanswer Allocated Pension B. Nil Entry Fee option only Please cross one of the following: Standard commission (e.g. 3.30% initial and 0.44% p.a.) OR Higher ongoing commission (e.g. nil initial commission and 1.10% p.a.) Note: If no nomination is made, standard commission will be paid. C. Seamless Transfer (e.g. nil initial commission) (please cross if applicable) Checklist: Please forward along with this signed application, if required: Superannuation Transfer form Superannuation Transfer and Consolidation Service form Copy of rollover documentation Cheque or deposited micro encoded cheque Statement of Advice Tax File Number eclaration Nomination of Beneficiary form Signature of adviser (sign clearly within the box) ate 12. Special instructions ANZOAAP06/03

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11 Tax File Number declaration Please print neatly in BLOCK LETTERS and use a BLACK or ARK BLUE pen. Write in the appropriate boxes. This declaration is NOT an application for a Tax File Number. Section A to be completed by PAEE our Tax File Number (TFN) OR I have made a separate application /enquiry to the ATO for a new or existing TFN OR I am claiming an exemption under 18 years of age and income below tax-free threshold OR I am claiming an exemption as a pensioner o you authorise your payer to give your TFN to the trustee of your superannuation fund? es No our name Title Surname or family name First given name Other given names r rs iss s If you have changed your name since you last dealt with the ATO, show your previous family name 7 Basis of payment (select one only) Full-time Part-time Casual employment employment employment 8 9 Are you an Australian resident for taxation purposes? es No Labour hire Superannuation pension or annuity If 'No', you must answer 'No' at question 9. o you wish to claim the tax-free threshold from this payer? NOTE: If you have more than one source and currently claim a tax-free threshold from another payer O NOT claim it now. If 'No', you must answer 'No' at question 11 unless es No you are a non-resident claiming a zone tax offset. Are you claiming a reduced rate of withholding for either Family Tax 10 Benefit or Senior Australians tax offset? es No If 'es', obtain the Withholding declaration from your payer. 11 Are claiming a zone, dependent spouse or special tax offset? es No If 'es', obtain the Withholding declaration from your payer. 12 (a) o you have an accumulated HECS debt? es No If 'es', your payer will withhold extra amounts to cover your anticipated compulsory repayments(s). (b) o you have an accumulated Financial Supplement debt? If 'es', your payer will withhold extra amounts to es No cover your anticipated compulsory repayments(s). 5 6 our date of birth our home address in Australia ay onth ear o you wish to claim entitlements to a deductable amount or 13 tax offset for an annuity or supperannuation pension? es No If 'es', your superannuation provider or the organisation which sold you your annuity will work out your entitlement. 14 eclaration: I declare that the information I have given is true and correct. Signature Suburb or town State Postcode Please note there are penalties for deliberately making a false or misleading statement. ate ay onth ear 1 2 ABN (or Withholding Payer Number (WPN) if not in business) If you have not been issued with an ABN or WPN, ate ABN or WPN requested Registered business or trading name (or individual name if not in business) Section B to be completed by PAER Branch Number (if applicable) or you cannot find the ABN or WPN issued to you, ring ANZ L I F E ASSU R ANC E If this Payee / Payer relationship has now ended please tick this box Contact person A R I AN aytime telephone Signature of payer ST I A I Z A COPAN Business address L IITE Please note: Penalties apply where you fail to forward the original to the ATO within 14 days of the commencement of the payer/payee relationship ate ay onth ear Please provide an estimate of the time taken to complete Section B minutes In-confidence when completed

12 Tax File Number declaration Question 1 our Tax File Number (TFN) It is not an offence not to quote your TFN. If you choose not to provide your payer with your TFN or you do not claim an exemption from quoting your TFN, your payer must withhold an amount at the rate of 48.5 per cent (the highest marginal rate plus edicare levy) from any payment made to you. If you have never had a TFN, ring ou will be advised to complete a Tax File Number application/enquiry for an individual. our TFN is usually on any papers sent to you from the ATO, such as last year's income tax notice of assessment. If you cannot locate your TFN or are not sure you have a TFN, ring ou will be asked for information about your identity and if you have a TFN, your TFN will be mailed to your current postal address. Privacy provisions prevent us from giving you your TFN over the telephone. If you have lodged a Tax File Number application/enquiry for an individual or made a telephone or counter enquiry to obtain your TFN, print in the appropriate box at question 1. our payer will withhold an amount at the rate applicable to a TFN having been quoted. If the payer does not have your TFN after 28 days, your payer must withhold 48.5 per cent from future payments. ou are exempt from quoting your TFN if: you receive certain Centrelink pensions, benefits or allowances or a service pension from the epartment of Veterans Affairs (you are not exempt from quoting your TFN if you receive Newstart, sickness allowance, special benefit or partner allowance) you are under 18 and earn below the $6,000 tax-free threshold. The Commissioner of Taxation has varied the PAG withholding rate for you to nil even if you have not quoted your TFN to your payer. Print in the appropriate box in question 1 to claim your exemption. Question 2 TFN authorisation ou can authorise your payer to provide your TFN to the trustee of your superannuation fund. ou are not required to do so. Giving your TFN to your superannuation fund will make it much easier in future to trace different superannuation amounts in your name so that you get the maximum benefit when you retire. It can also help in calculating a lower tax liability on an eligible termination payment. our superannuation fund needs your TFN when reporting for the superannuation contributions tax (surcharge). Without your TFN your superannuation contributions may be taxed at the full rate of 15 per cent. Questions 3, 4, 5 & 6 Payee identification See declaration. Question 7 Basis of payment If you are in doubt as to which category you fall under, check with your payer. If you have answered 'Superannuation pension or annuity' as your basis of payment, please ensure you complete question 13 on the declaration. Question 8 Australian resident (for tax purposes) If you need help in deciding whether or not you are an Australian resident for tax purposes, ring If you are not an Australian resident for tax purposes, you must answer NO to questions 9 and 11 (unless you are entitled to a zone tax offset). Question 9 Tax-free threshold The tax-free threshold is available to all Australian residents (for tax purposes) and means that the first $6,000 of yearly income is not subject to tax. It is against the law to claim the tax-free threshold from more than one payer at the same time. If you are currently claiming the tax-free threshold with another payer, you must advise that payer that you no longer wish to claim the tax-free threshold by completing a Withholding declaration. If your income comes from multiple sources and you consider that claiming the tax-free threshold with only one payer could result in an inappropriate rate of withholding, under certain circumstances you may be entitled to apply for a variation to the prescribed rate. For further information, ring Question 10 Family Tax Benefit (FTB) or Senior Australians tax offset Generally, you can claim FTB if you are an Australian resident (for social security purposes) who cares for an eligible child and your family's adjusted taxable income is below $77,234 plus $3,139 for each child after the first. If your family income is more than $77,234, you may still be eligible for a reduced benefit. ou can elect to receive FTB as a direct payment from Centrelink or as an end-of-year lump sum through the tax system. Answer NO at question 10 if you elect to receive FTB as: a direct payment from Centrelink or a lump sum through the tax system but with no reduction in the rate of tax deducted from your pay during the year in anticipation of the lump sum. Answer ES at question 10 if you elect to receive a lump sum through the tax system and a reduction in the rate of tax deducted from your pay during the year in anticipation of the lump sum. It is against the law to claim the FTB from more than one payer at the same time. Senior Australians tax offset To qualify for the Senior Australians tax offset, you need to meet a number of criteria, including: Age: ou must be 65 and over for a male and 61.5 or more for a female at 30 June ou must be 60 or more for males and 56.5 for females at 30 June 2001 if you are a veteran receiving a epartment of Veterans' Affairs service pension or if you are a war widow or widower receiving an income support supplement. Residency: ou received an Australian government pension or similar payment at any time during the income year OR you have qualifying Australian residence that is, you have been an Australian resident for age pension purposes, which is generally 10 years. If not, you will still be eligible if you have a qualifying residence exemption for age pension purposes for example, you are a refugee. Income: If you were single at any time during the income year and your taxable income was less than $37,840. If you had a spouse, married or de-facto, and you lived together for the whole of the income year and the combined taxable income of you and your spouse was less than $58,244. If you had a spouse, married or de-facto, but you had to live apart at any time during the income year because of illness or either of you was in a nursing home and the combined taxable income of you and your spouse was less than $70,404. If you choose to receive the Senior Australian tax offset this way, answer ES at question 10. ou will need to get a Withholding declaration from your payer to confirm your eligibility and calculate your Senior Australian tax offset entitlement. It is against the law to claim the Senior Australian tax offset from more than one payer at the same time. Question 11 Zone, dependent spouse or special tax offsets ou may be entitled to a: zone tax offset if you live or work in certain remote or isolated areas of Australia dependent (married or de facto) spouse tax offset if your spouse's separate net income is expected to be less than $6,030 in special tax offset for a dependent invalid relative, dependent parent, housekeeper caring for an invalid spouse or a dependent child-housekeeper. ou can claim these tax offsets as a lump sum in your tax assessment. If you choose this option, answer NO to question 11. If you choose to receive the tax offset as a reduced rate of withholding, answer ES to question 11. ou will need to get a Withholding declaration from your payer to confirm your eligibility and calculate your estimate of tax offset entitlement. If you are uncertain whether you are eligible for the zone, dependent spouse or special tax offset, ring to confirm your entitlement. Note: The income threshold stated for dependent spouse tax offset relates to the year ended 30 June It is against the law to claim tax offsets from more than one payer at the same time. Question 12 Higher Education Contribution Scheme (HECS) and Financial Supplement (FS) debts If you have an accumulated HECS debt, answer ES to question 12(a). If you have an accumulated FS debt, answer ES to question 12(b). our payer will regularly withhold extra amounts if your annual income is likely to exceed the minimum repayment threshold. The extra amounts withheld should cover your anticipated compulsory repayment(s). The minimum repayment threshold for for HECS debts is $23,242 or $441 per week and for FS debts it is $32,918 or $627 per week. When your HECS and/or FS debts have been repaid you will need to complete a Withholding declaration to advise your payer that you no longer have a debt. our payer will then reduce the amounts withheld from your payments. Question 13 eductible amount or superannuation tax offset for annuity or pension If you have bought an annuity or superannuation pension, you may be entitled to deduct an amount when tax is calculated. If you have an annuity or superannuation pension, you may be entitled to a tax offset. Answer ES if you wish to claim any of these entitlements. our superannuation provider or the organisation which sold you your annuity will work out your entitlement. Please ensure that you have answered all the questions in Section A and have signed and dated the declaration. Give the completed declaration to your payer. Privacy of information The Income Tax Assessment Act 1936 authorises the ATO to request information in this declaration. This information will help the ATO to administer the tax laws. If you quote your TFN to your employer, in some circumstances the employer may, and in others must, give your TFN to your superannuation fund. All information, including personal information, collected by the ATO is treated as confidential and is protected by the Income Tax Assessment Act 1936 and the Privacy Act This information may be passed on to other government agencies authorised by law to receive it. They include Centrelink, the epartment of Veterans' Affairs, the epartment of Family and Community Services, the epartment of Education, Training and outh Affairs, and the epartment of Immigration and ulticultural Affairs.

13 ANZ OneAnswer Allocated Pension Transfer Service Application Form ated 1 June 2003 ANZ anaged Investments Limited ABN GPO Box 4028, Sydney NSW Kent Street, Sydney NSW 200 Telephone Facsimile ANZ Personal Superannuation Fund (SFN ) ANZ OneAnswer Allocated Pension Entry Fee option (SPIN ANZ0323AU) ANZ OneAnswer Allocated Pension Nil Entry Fee option (SPIN ANZ0324AU) Please forward this form to your previous financial institution to transfer unrestricted non-preserved funds from a non-anz/ing superannuation or rollover fund to ANZ Personal Superannuation Fund. If you want to transfer more than one fund, please photocopy this form. ou may be requested by your previous fund to forward details or sign additional documents. Please action this as soon as possible. Please be aware that other financial institutions may impose a fee when you withdraw from their fund. There may also be delays in having your money transferred from your previous fund. 1. Applicant details Surname Given name(s) ate of birth 11 ANZ OneAnswer Oneanswer Allocated Pension Address State Postcode 2. Request for transfer of unrestricted non-preserved funds to ANZ Personal Superannuation Fund I hereby instruct you to transfer to ANZ the total value OR partial value $ of my super/rollover fund which is detailed below. Approximate amount (minimum $2000) Fund details Financial institution Fund name Address of paying institution If the amount you wish to transfer to ANZ OneAnswer Allocated Pension is from a previous employer s superannuation fund, please state: Name of employer ate ceased employment ANZ anaged Investments Limited ABN (ANZI) A member of the ING Australia group a joint venture between the global ING Group and Australia and New Zealand Banking Group Limited ABN (ANZ Group) ANZOAAP06/03

14 3. Approval to transfer ANZ OneAnswer Allocated Personal Super Pension > I hereby give authority to you to provide all relevant information and any other documentation to ANZ regarding the transfer and to forward a cheque for the transfer amount (made payable to ANZ Life Limited). > I understand that the trustee of my previous fund is discharged from any liability in respect of any amount transferred. > I approve the deduction of any applicable transfer fees, exit fees and taxes from the benefit being transferred (subject to legislative restrictions). > I authorise the transfer of any contribution still to be made by my previous employer that may be received after my benefits have been transferred to ANZ. > I understand that, in certain circumstances, ANZ may be required to deduct tax from the untaxed portion of any amount transferred. > To the best of my knowledge, my other superannuation fund(s) is a complying superannuation fund under the Superannuation Industry (Supervision) Act > ANZ Personal Superannuation Fund is a regulated and complying superannuation fund under the Superannuation Industry (Supervision) Act Please send a cheque made payable to ANZ Life Limited <customer name><member/policy no. (if known)> to: ANZ Life Limited GPO Box 4028 Signature of applicant (sign clearly within the box) ate Sydney NSW 2001 Phone ANZOAAP06/03

15 Letter of Compliance ANZ Personal Superannuation Fund (SFN ) ANZ OneAnswer Allocated Pension Entry Fee option (SPIN ANZ0323AU) ANZ OneAnswer Allocated Pension Nil Entry Fee option (SPIN ANZ0324AU) ANZ anaged Investments Limited ABN GPO Box 4028, Sydney NSW Kent Street, Sydney NSW 2000 Telephone Facsimile our existing fund may ask for a copy of this letter before transferring your benefits to ANZ OneAnswer Allocated Pension 1 June 2003 TO WHO IT A CONCERN ANZ OneAnswer Allocated Pension ANZ anaged Investments Limited (ANZI) the Trustee of the ANZ OneAnswer Allocated Pension. I confirm the following statements on behalf of ANZI. The Fund is a regulated superannuation fund under the Superannuation Industry (Supervision) Act 1993 (SIS). It is the intention of ANZI to manage the Fund in compliance with the SIS laws, the relevant requirements of the Corporations Act and guidelines issued by both the Australian Securities and Investments Commission and the Australian Prudential Regulation Authority. 13 ANZ OneAnswer Allocated Pension The Fund complies with the requirements of SIS and the Income Tax Assessment Act 1936 and The Trust eed governing the Fund allows benefits to be transferred or rolled, from other regulated superannuation funds or superannuation products and allows benefits to be transferred or rolled over to other regulated funds. embers may only cash preserved benefits in circumstances permitted under SIS. The Trustee of the transferring fund or life company is required to make its cheque payable to ANZ Life Limited <customer name><member/policy no. (if known). ours sincerely, atthew Wilson Authorised Officer ANZ anaged Investments Limited Trustee of the ANZ OneAnswer Allocated Pension ANZ anaged Investments Limited ABN (ANZI) A member of the ING Australia group a joint venture between the global ING Group and Australia and New Zealand Banking Group Limited ABN (ANZ Group)

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17 ANZ OneAnswer Allocated Pension Nomination of Beneficiary Application Form Binding and Non-Binding ated 1 June 2003 Who benefits are paid to: Please refer to How is my death benefit paid? information in Part Two of the PS for information about your choices. Nomination of beneficiary(ies): Cross one of the two boxes below to indicate whether you are choosing to make a binding or non-binding nomination. Binding nomination I hereby advise the Trustee of the Fund of my binding choices in relation to who should receive my death benefit and in what proportions. Such payment is subject to any limitations imposed by the fund or law at the time of payment. I understand I may amend or revoke my nomination at any time provided that such changes satisfy certain requirements (see over). I also understand that if I make a binding nomination and I have nominated an ANZ OneAnswer Allocated Pension reversionary pensioner, then my binding nomination will not be valid unless it meets the rules for being a valid binding nomination (outlined in Part Two of the PS) and: my nominated ANZ OneAnswer Allocated Pension Reversionary Pensioner pre-deceases me, or my nominated ANZ OneAnswer Allocated Pension Reversionary Pensioner is no longer my spouse at the date of my death. Non-binding nomination I hereby advise the Trustee of the Fund of my preferences in relation to who should receive my death benefit, and in what proportions. Such payment is subject to any limitations imposed by the fund or law at the time of payment. I understand I may alter my nomination at any time by advising the Trustee in writing. I also understand that if I make a non-binding nomination and I have nominated an Allocated Pension reversionary pensioner, then the non-binding nomination will not be valid unless: my nominated ANZ OneAnswer Allocated Pension Reversionary Pensioner pre-deceases me, or my nominated ANZ OneAnswer Allocated Pension Reversionary Pensioner is no longer my spouse at the date of my death. 15 ANZ Oneanswer Allocated Pension ou should make your nomination/s in the space provided below, up to a maximum of 11 nominations including your Estate. ou should amend or revoke your preferences as personal circumstances change, e.g. you marry, divorce or have a child/children. A dependant includes a spouse or a child and any other person who, in the opinion of the Trustee, is or was at the relevant time wholly or partially dependent on you for maintenance and support. Spouse includes a de facto spouse who lives with you on a bona fide domestic basis as your husband or wife and your widow or widower or surviving de facto spouse. Child includes a stepchild, an ex-nuptial child, a legally adopted child, a posthumous natural child and a person recognised by the Trustee as an adopted child. Name of nominated beneficiary (dependants) Address Relationship to member ate of birth Proportion of death benefit and/or Estate Total (must add up to 100%) 100% ANZOAAP06/03

18 eclaration for nominations 1. I understand that the person or persons nominated above by me must be my dependant(s). 2. I understand and acknowledge that a non-binding nomination will not override a previous valid binding nomination. The previous binding nomination must be revoked. 3. I acknowledge that I may revoke my nomination at any time by notifying the Trustee in writing and subject to the requirements below. 4. I understand that if I choose to make a non-binding nomination: > the Trustee has absolute discretion as to whom and the manner in which the death benefit is paid; > the Trustee will consider my nomination but will not be bound by it; and 16 ANZ Oneanswer Allocated Pension > if I have also nominated a reversionary pensioner, then the non-binding nomination will not be valid if my nominated reversionary pensioner is my current spouse and still alive when I die. 5. I understand that if I choose to make a binding nomination: > if I have revoked and not made a new binding nomination, or have not confirmed or made a new nomination after the three year period has expired, then payment of my death benefit will be subject to Trustee discretion; > if I have also nominated a reversionary pensioner then the binding nomination will not be valid if my nominated reversionary pensioner is my current spouse and still alive when I die; > a valid binding nomination is valid for three years from the date the nomination is signed by me; and > the Trustee must pay my benefit according to my nomination provided that: my nomination is valid and current i.e. the form containing the nomination has been confirmed or amended within three years after the day it was first signed, or last confirmed or amended by me; and the nomination is in writing and is signed and dated by me in the presence of two witnesses aged over 18, neither of whom is a nominated beneficiary. Full name of applicant ate of birth Signature of applicant (sign clearly within the box) ate For binding nominations only Witness declaration and signature (two witnesses are required for all new, revoked or amended binding nominations) I am over 18 years of age, and am not a nominated beneficiary on thisform, and the applicant signed and dated this form (above) in the presence of us both. Witness name Witness date of birth Signature of witness (sign clearly within the box) ate Witness name Witness date of birth Signature of witness (sign clearly within the box) ate ANZOAAP06/03

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