FAQs - Direct Investment Option (DIO)

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1 Contents The purpose of this manual is to provide instructions around the Club Plus Super DIO rules, transactions and troubleshooting. DIO rules and restrictions 2 How to register 2 DIO switching and MemberAccess 3 Term Deposits 5 ETFs and Equities 7 Troubleshooting 8

2 What is the DIO? A bit like a self-managed super fund (SMSF), our Direct Investment Option gives you more control over your super - without the hassle of endless paperwork or hefty accounting and legal expenses. It offers access to Term Deposits, shares on the S&P/ASX 300, a selection of exchange traded funds (ETFs), online trading, expert market information, independent information and tools to help manage your portfolio all at what may be a fraction of the cost of a self-managed super fund. Pre-requisites To be eligible for the DIO you need to meet the following criteria; Be an active Club Plus Super or Pension member with at least $12,500 in your account Maintain a minimum balance of $5,000 in one or more of Club Plus Super s standard investment options (i.e. Cash, Conservative Balanced, MySuper/Balanced, Growth, High Growth, Australian Shares, International Shares) Have access to the internet and provide a current address Read, understand and accept the terms and conditions upon application Be registered for MemberAccess Provide your Tax File Number DIO Rules 80/20 investment rule. You can invest up to a maximum of 80% of your account balance in your DIO account with the remaining 20% in your Club Plus standard investment option(s) The minimum trade for shares is $500 The Term Deposit minimum investment is $5,000 The Maximum investment in a Term Deposit is $1 million Maximum of 20% of your total super balance in a single ETF or share The DIO is not available in Transition to Retirement Pensions How to register To register for the DIO, open your online MemberAccess account. You will need to go to the Investments heading and click the Register Now button under the Your Direct Investment Option account summary section. This will take you to a new screen outlining the term and conditions. You will need to acknowledge you have read the terms and conditions by clicking on the check box followed by clicking the Register button. 2

3 DIO switching To transact between your Club Plus Super investments and the DIO, you will need to perform a switch via MemberAccess. This process allows you to transfer in and out of your DIO account. To complete a switch, log into MemberAccess and click the Investments heading. Transfer in 1. To transfer funds into the DIO account, click on the Transfer In button. You will then need to nominate the dollar amount or percentage you wish to transfer. Note you can only invest a maximum of 80% of your total account balance as the system will restrict you from exceeding this limit. 3

4 Transfer out 1. To transfer a portion of your funds out of the DIO, click the Transfer out button 2. Specify the dollar amount you wish to transfer out of your DIO in the Total Amount to Transfer ($) fi eld 3. Nominate the investment(s) you wish to apply this transfer to in the form of a percentage (must equal 100%) 4. Click Confirm To close a DIO account 1. To close a DIO account, your total DIO balance must be sitting in the Cash Account option only (as outlined below). 2. Click the Close DIO Cash button and nominate 100% of your DIO account to be closed. Note: If you are invested in equities and/or ETFs you are required to sell them first. If you are invested in a Term Deposit you will need to wait for it to mature before you can close your DIO. Once all funds are in the cash account you can then close your DIO. 4

5 How does my cash account work Your cash account is an account through which all your transactions are processed. Purchases of shares and term deposits are funded from the available cash held in your cash account. Proceeds from your investments, such as dividends and the principal and interest from your term deposits, are deposited into your cash account. Any applicable taxes are also withdrawn from your cash account. The interest you earn on the cash account will be calculated daily and paid monthly in arrears on or around the last business day of the month. The DIO cash rate can be located on your Macquarie DIO homepage. The cash account is transactional only and is not designed for use as a cash investment. You must retain $500 in your cash account at all times as part of the DIO terms and conditions. How do I view transactions in and out of my cash account (e.g. interest received or tax paid)? You can view your cash transactions by generating a Cash Transactions report or viewing the recent transactions from the Cash page. How to purchase a Term Deposit You will need to Log into the DIO through MemberAccess. Navigate to the Term deposits page on the DIO home screen followed by the below steps: 1. Click the Buy term deposit button under the Available term deposits section 1 2. Select the maturity of the term deposit through the drop down menu 3. Enter the value of your term deposit (minimum $5,000) 4. Click Submit

6 Term Deposit rates All Term Deposit terms and rates can be found under the following link on our website which is updated weekly. You will also be told the rate of your term deposit at the time of purchase. In the event of any inconsistency between the Club Plus Super website and the DIO, the rates shown in the DIO will prevail: clubplussuper.com.au/investments/performance/term-deposit-rates Term Deposits maturity elections There are 3 options regarding TD maturity elections; Cash out: Your principal and interest will be paid back to your cash account at the end of the term (the default if no election is made). Rollover principal and interest: Your principal and interest will rollover into a new term deposit of the same term. Rollover principal only: Your principal will rollover into a new term deposit of the same term. Your interest earned will be paid to your cash account. Term deposit maturity elections can be made or changed at any time once your term deposit application has been processed. An election must be made at least 1 business day before maturity for it to take effect. To update your maturity selection, follow the below steps; 1. Select Modify from the appropriate term deposit in the Term deposits section 1 2. From the drop down menu, select your new maturity election 3. Click Submit 2 3 6

7 How to check my Term Deposit maturity date You can view your term deposit maturity date by logging into your DIO account and checking the transactions page, which will show any term deposits purchased. Purchasing Shares What is the difference between a Market and Limit order? Market orders Market orders will go into market to execute at the best available price, however the execution and the price is not guaranteed. Market orders cannot be accepted outside of market hours or when trading in a particular stock is halted or suspended. Limit orders Limit orders allow you to set a maximum purchase price for your buy order, or a minimum sale price for your sell orders. If the market doesn t reach your limit price, your order will not be executed. You can place an At Limit order during market hours. You can also place an At Limit order when the market is closed and it will be queued ready for processing when the market opens. Please note that an At Limit order will not be accepted, without any advice to you, if we consider the limit price to be too far away from the prevailing market price of that stock. Order expiry Orders can remain on market for today only, or until cancelled. Today only orders are valid for the business day on which they are placed and will expire before the market opens on the next business day. If your order is placed with the Authorised Broker after market operating hours, it will go on market the next business day and will expire before the market opens again on the business day after the order went on market. Timing of orders Subject to the above conditions, at market trades must be placed within the normal trading hours of 10am to 4pm (Sydney time). How to place orders for shares You can place orders to buy and sell shares from the Shares page. 1. On the Shares page click Buy shares for new orders or click the Buy or Sell options that relate to your current holdings 1 1 7

8 2. Type the company name or code into the listed security search (only applicable for new orders) 3. Enter the trade value or quantity you would like to buy or sell 4. Enter your order details (such as order type and expiration) 5. Click Submit DIO product information For more information regarding the DIO product, terms and conditions, click on the following link which will take you to the relevant section on our website: clubplussuper.com.au/investments/direct-investment-option DIO issues and support If you are experiencing issues with the DIO, please follow the below steps to help you resolve them. 1. Right click on the DIO webpage and select Refresh or Reload 2. Attempt to log in using a different browser i.e. Internet Explorer, Google Chrome, Safari or Firefox 3. Clear your browser history If you are still experiencing issues with your DIO account, please call the member hotline on between 8am to 6pm weekdays who will be able to assist. 5 member hotline: pension hotline: website: clubplussuper.com.au Any general information in the factsheet does not take into account your specific objectives, financial situation or needs. Issued by Club Plus Superannuation Pty Limited - ABN , RSE License Number: L , AFSL Number: , the trustee of the Club Plus Superannuation Scheme ABN January