PDS. Core Super MySuper. [Product Disclosure Statement] PREPARED 21 DECEMBER 2017 EFFECTIVE 1 JANUARY 2018

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1 PDS [Product Disclosure Statement] Core Super MySuper PREPARED 21 DECEMBER 2017 EFFECTIVE 1 JANUARY 2018

2 Contents 1. About Core Super How super works Benefits of investing with Core Super Risks of super How we invest your money Fees and costs How super is taxed Insurance in your super How to open an account Important information is indicated throughout this PDS with this icon. Further detail regarding this information is in booklets called Other Information, which are available at intrust.com.au. Together with the PDS, the Other Important Information should be considered before investing in Core Super.

3 1. About Core Super, Intrust Super & this PDS Core Super is offered by Intrust Super, a Platinum rated*, 100% Industry Super fund; serving members since Originally formed to provide services to the hospitality and tourism industries, we welcome the opportunity to provide our quality services to anyone looking to save for retirement. We ve never paid commissions to financial advisers or dividends to shareholders as we re run to benefit members only. We invest over $2.3 billion for approximately 120,000 members. This makes us big enough to be a top performer, but small enough to deliver exceptional personal service, when you need it. Our MySuper option is offered as a part of Core Super, through this PDS. It is a low cost, simple and transparent option that meets legislated MySuper requirements. You can find our MySuper dashboard and other information that we are required to disclose at intrust.com.au/ product-dashboard. This PDS summarises significant information about Core Super and Core Super MySuper. It includes references to Other Important Information that is taken to form part of this PDS. The information provided in this PDS is general information only and does not take into account your individual objectives, financial situation or needs. You should obtain financial advice tailored to your own personal circumstances before deciding to invest in Core Super. Visit intrust360.com.au to find out about our financial advice services. To request a copy of this PDS or the Other Important Information referred to in this PDS call Intrust Super on *A Platinum rating is awarded by industry research house SuperRatings to the best value for money funds in Australia. Only the top 25% of funds in Australia receive Platinum. Intrust Super has now received the award for twelve consecutive years SuperRatings intrust.com.au [ 1 ]

4 2. How super works Super is money saved for your retirement. Your employer is required to make Superannuation Guarantee or SG payments into a super fund on your behalf. Most people can choose which fund these contributions are paid to. Your savings grow due to SG contributions, any contributions you make in addition to SG and also with any positive investment returns. There are potential tax savings and other incentives relating to superannuation, and restrictions on when you can withdraw your money. There are limits on the amount that can be contributed and the amount of tax savings that your contributions can attract. Contributions There are different types of contributions: SG contributions are paid by your employer, over and above your wages/ salary. They attract contributions tax which may be lower than your marginal income tax rate. You may make salary sacrifice contributions from your before-tax income. They also attract contributions tax. If your marginal income tax rate is higher than the applicable contributions tax, you could save tax dollars by salary sacrificing. You may also make after-tax contributions from your after-tax income. Having already paid income tax on the amounts, contributions tax is not charged. This may attract a Government Co-contribution which is a contribution made by the Government, into your super. Spouse contributions are made out of your after tax income, into your spouse s super. They may attract a tax offset. Low Income Superannuation Tax Offset are contributions made by the Government on behalf of eligible low income earners. Accessing your super You generally can t access your super until you ve reached your preservation age. In extreme circumstances such as severe financial hardship, you may be able to withdraw some super. [ 2 ] CORE SUPER MYSUPER PDS 1 JANUARY 2018

5 3. Benefits of investing with Core Super The benefits of investing with Core Super include: A Concierge service waiting to help you with your super. Register at intrust.com.au/superconcierge. No entry fee. Flexible contribution options. Free online tools e.g. super consolidation and online advice. A choice of eight ready-made investment options. Income Protection Insurance and two units of Life and Total and Permanent Disablement [Life & TPD] cover are provided automatically to eligible members without the need for medical evidence [conditions apply]. Additional Life & TPD cover is available with competitive premiums. Independent financial planning advice through Intrust360. An income stream product, Super Stream, for members at or nearing retirement. Refer to the Super Stream PDS. [ 3 ]

6 4. Risks of super All investments carry some risk. Each person s risk appetite will vary depending on factors including their age, investment time frame, other investments and their risk tolerance. Having sufficient time invested in the market is an important consideration when choosing investments with different levels of risk. The risks associated with superannuation include: The value of investment options [including MySuper] may rise or fall. Investment performance is not guaranteed, and you might lose money. Future returns may differ from past returns. The options with the higher expected long term returns generally involve higher levels of risk and a higher chance of short term negative returns. Laws affecting super [such as superannuation laws, taxation and social security] may change at any time. The amount you save may not be enough to provide adequately for your retirement. Inflation may erode the final value of your investment. There is an element of liquidity risk. Intrust Super is aware of this risk and manages its investments and cash holdings to maintain adequate liquidity. Some options invest in overseas investments, which mean fluctuations in currencies could impact unit prices. [ 4 ] CORE SUPER MYSUPER PDS 1 JANUARY 2018

7 5. How we invest your money You can choose any combination of our options listed below: Pre-mixed options Stable MySuper option [default] Growth Single sector options Cash Bonds [fixed interest] Property Australian shares International shares If you don t choose any option[s], you will be invested in the MySuper option. You should consider the likely return, risk and your investment timeframe when choosing investment options. MySuper investment option The MySuper investment option is designed for members seeking high returns from the medium to long term, who are willing to accept short term fluctuations in returns. Investment objective To outperform [after fees and taxes] the consumer price index + 3% pa over ten year periods. This objective may differ from the prescribed return target disclosed on our MySuper dashboard which is calculated using a different methodology. Investment mix Asset Allocation Benchmark % Range % Australian shares International shares Growth opportunities Infrastructure Property Bonds Cash Defensive opportunities intrust.com.au [ 5 ]

8 Minimum investment timeframe: Medium to long term: You must be prepared to stay in this option for at least five years before it meets its objectives. Risk band 5: Medium to high. Estimated number of negative annual returns is three to less than four over any 20 year period. Members will be notified of any material changes that occur to the MySuper option or any other investment option. Changing your investment options You can choose or switch investments as often as you like with MemberAccess. Switches are processed weekly. If you need help choosing investments call us on We ll put you in touch with a qualified financial adviser. You should read the document: Core Super MySuper Other Important Information-Investments regarding all of Core Super s investments before making a decision. This material about investments may change between the time you read this PDS and when you acquire the product. Visit intrust.com.au. Socially responsible investing [SRI] The Fund s investment decisions are primarily based on economic factors. We don t consider labour standards nor environmental, social or ethical matters in selecting, retaining or realising Intrust Super s investments, although sometimes these matters affect economic factors affecting investments. [ 6 ] CORE SUPER MYSUPER PDS 1 JANUARY 2018

9 6. Fees and costs The following warning is prescribed by Government regulation Small differences in both investment performance and fees and costs can have a substantial impact on your long-term returns. For example, total annual fees and costs of 2% of your fund balance rather than 1% could reduce your final return by up to 20% over a 30-year period [for example, reduce it from $100,000 to $80,000]. You should consider whether features such as superior investment performance or the provision of better member services justify higher fees and costs. You may be able to negotiate to pay lower contribution fees and management costs where applicable. Ask the Fund or your financial adviser. To find out more If you would like to find out more, or see the impact of the fees based on your own circumstances, the Australian Securities and Investments Commission [ASIC] website [ has a superannuation calculator to help you check out different fee options. You should read the document: Core Super MySuper Other Important Information Fees and Costs regarding all of Core Super s fees including the MySuper option, before making a decision. This material about fees and costs may change between the time you read this PDS and when you acquire the product. Visit intrust.com.au. The table on the next page shows the fees and other costs that you may be charged and can be used to compare costs between different superannuation products. These fees and costs may be deducted from your account or from the returns on your investment. intrust.com.au [ 7 ]

10 Types of fee Amount or cost Investment Fee 1.06% pa 1,2 Administration Fee Indirect Administration Fee Buy-sell Spread $1.50 per week 0.15% pa Nil How and when paid Deducted from gross earnings before unit prices are declared. Deducted from your account at the end of each month. Deducted weekly from gross earnings before unit prices are declared. 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 a particular MySuper product or investment option Other fees and costs Indirect Cost Ratio Variable depending on the advice received. This fee will be agreed between you and your Adviser before you receive advice. Deducted from your member account and paid to financial advice service provider after you have received the advice. Refer to Other Important Information: Fees and costs available on the Intrust Super website. 0% Indirect costs are included in the Investment Fee above. Additional fees may apply. You should read the Other Important Information document about service fees and the fees and costs of all of Core Super MySuper investment options, including the section Additional Explanation of Fees and Costs. Intrust Super charges the same fees to all Core Super MySuper members. Our fees are not negotiable. Advice Fee Warning: Intrust Super does not pay commissions to financial advisers. However, if you engage the services of a financial adviser, including an Intrust360 financial adviser, you may be charged a fee. This fee should be agreed, in advance, between you and your financial adviser, will vary depending on the type of advice given and legally must be set out in the Statement of Advice your Adviser gives you. 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 Core Super My Super option for the year ended 30 June [ 8 ] CORE SUPER MYSUPER PDS 1 JANUARY 2018

11 Increases or changes The Trustee reserves the right to change the fees charged at any time. Should fees [e.g. administration fees] increase, we will ensure that you are notified in writing at least 30 days before any increase takes effect. Example of annual fees and costs for the MySuper option This table gives an example of how the fees and costs in the MySuper option for this product can affect your superannuation investment over a one year period. You should use this table to compare this product with other superannuation products. Example MySuper option Balance of $50,000 Investment Fees PLUS Administration Fees Indirect Administration Fee PLUS Indirect costs for the MySuper option EQUALS Cost of product 1.06% For every $50,000 you have in the MySuper option you will be charged $530 1 each year. $78.00 [$1.50 per week] 0.15% And, you will be charged $78 each year as an Administration Fee regardless of your balance, plus $75 Indirect Administration Fee which will be deducted from your investment. 0.00% p.a. And, indirect costs of $Nil each year will be deducted from your investment. $683 If your balance was $50,000, then for that year you will be charged fees of $683 for the MySuper option. Important notes: 1. The Investment Fee includes a performance-based fee of 0.22%. 2. Additional fees may apply including a $55 exit fee which may be charged when a benefit is paid or your account is closed. 3. The Investment Fee shown is based on asset values as at 30 June 2017 and will vary year to year. 4. Performance Fees are paid to Investment Managers if they exceed agreed performance targets. The Performance Fee shown is the actual fee for the MySuper option for the year ended 30 June Performance Fees will vary year to year and may exceed the Investment Fee shown if Investment Managers exceed performance targets. 5. The definitions for the fees in Core Super MySuper are available at intrust.com.au intrust.com.au [ 9 ]

12 7. How super is taxed Superannuation is taxed: when certain contributions are made, on investment earnings, if you take a benefit before retirement at 60. We deduct the tax payable and remit it to the ATO. Super benefit payments are tax-free once you reach age 60. Tax on contributions Contribution type Employer contributions Salary sacrifice contributions Personal after-tax contributions Co-contributions Low Income Superannuation Tax Offset Tax payable 15% [if we have your TFN] 15% [if we have your TFN] None None None Please note: If you exceed contribution caps, you may pay a much higher tax rate on any contributions that exceed the caps. Investment earnings are taxed at up to 15%. This tax is deducted before returns are declared, so unit prices are shown after tax. Tax on benefits is a complex topic. We recommend you discuss your situation with a licensed financial adviser, as the decisions you make about how and when to take your benefit can affect the tax payable and your Age Pension entitlements. For up-to-date tax information, visit or call the Australian Taxation Office on [ 10 ] CORE SUPER MYSUPER PDS 1 JANUARY 2018

13 Generally: If you re 60 or over, you will pay no tax on your benefit. If you re between your designated preservation age and 60, your benefit will be made up of a tax-free and a taxable component. The first $200,000 of the taxable component of a lump sum benefit is tax-free, with any amount above that limit taxed at 17% including Medicare Levy. If you re under your designated preservation age, the entire taxable component of a lump sum benefit is taxed at 22%, including Medicare Levy. If you re terminally ill, your benefit is tax-free. Rollovers in or out of a super fund are generally not taxed. Lump Sum Death benefits paid to dependants [as defined for tax purposes] are tax free. If paid to a non-dependant, part of the benefit is taxed. Total and Permanent Disablement benefits are taxed at different rates, depending on your age when you were disabled. Avoid paying too much tax You should provide your tax file number [TFN] when you join Intrust Super. If you do not, then your employer and salary sacrifice contributions will incur an additional tax of 34%. Also, personal after-tax contributions cannot be accepted if we don t have your TFN. intrust.com.au [ 11 ]

14 8. Insurance in your super All eligible members will automatically receive two types of insurance cover, unless they opt out. PayGuard Income Protection Insurance [PayGuard] provides an income benefit if sickness or injury prevents you from working. Life and Total and Permanent Disablement Insurance [Life & TPD] provides a lump sum benefit in the event of your death or total, permanent, disablement. You should read the document: Core Super MySuper Other Important Information Insurance regarding all of Core Super s insurance before making a decision. This material about insurance may change between the time you read this PDS and when you acquire the product. Visit intrust.com.au. PayGuard Income Protection Insurance PayGuard provides a fortnightly in arrears benefit of up to 90% of the income you received before you became sick or injured, for up to two years [104 weeks]*. In addition, an amount equal to 10% of the benefit paid is paid into your Core Super account. PayGuard default premiums are calculated as 0.615% of your income [for example, if you earn $500 per week, your gross premiums will be $3.08 per week]. You can choose to increase your waiting period from 21 days to up to 90 days, which will result in a lower premium: Waiting period Premium 21 days [default] 0.615% of your income 30 days 0.556% of your income 45 days 0.496% of your income 90 days 0.377% of your income Your insurance premiums are used to cover the cost of the insurance policy as well as the cost of its administration, i.e. 3% of the insurance premiums are retained by the fund and goes towards the administration cost of providing insurance. *The maximum benefit period for a disablement caused by a MENTAL CONDITION is 52 weeks. [ 12 ] CORE SUPER MYSUPER PDS 1 JANUARY 2018

15 Life and Total and Permanent Disablement [Life & TPD] The default level of Life & TPD cover is two units [see table below for cover per unit]. It provides a lump sum benefit if you die, become terminally ill or become totally and permanently disabled. Cover is available up to age 65. Additional cover of another two units may be available without medical evidence. This additional cover is provided on a Limited Cover basis for 24 months. Age last birthday Cover per unit 16 to 39 $150, $141, $134, $127, $120, $113, $105, $98, $91, $84, $77, $70, $63, $56, $48, $41, $38, $34, $30, $27, $23, $20, $16, $13, $9, $5, Nil intrust.com.au [ 13 ]

16 You may be eligible for an additional unit of cover if specific life events such as marriage or divorce occur, without the need for medical evidence. This additional unit of cover is provided on a Limited Cover basis for 24 months. For full details of restrictions and eligibility conditions, examples of life events and information you need to decide whether additional units are appropriate for you, read the Core Super MySuper Other Important Information: Insurance booklet available at intrust. com.au. New members can use the Membership Application Booklet to apply for up to four units of automatic cover or extra cover above four units. Existing members can use the Application for Changes to Insurance form to apply to increase their cover to four units within 180 days of joining or apply for extra cover. You can apply for up to $10 million in Life cover and $3 million in TPD cover. Your level of TPD cover can t be more than your level of Life cover. Extra cover isn t automatic. Applications are assessed by the Insurer who may require additional medical or other information. Cover does not commence until the date your application is approved by the Insurer. We will notify you of the Insurer s decision. The table below shows what you pay for [default] Life & TPD insurance cover: Automatic cover [2 units] Each extra unit $4.74 per week $2.37 per week Paying for insurance The cost of both Life & TPD and PayGuard is deducted from your Core Super account each month. If you don t want this cover, just indicate on your membership application form that you do not wish to take it up. You can also cancel or reduce cover by writing to Intrust Super at any time. If you do not change or cancel your default cover, the Trustee will continue to deduct premiums for your default insurance cover from your account. [ 14 ] CORE SUPER MYSUPER PDS 1 JANUARY 2018

17 Eligibility conditions and exclusions The insurance cover provided under Core Super is subject to eligibility conditions and exclusions. These may affect your entitlements to insurance cover or the circumstances when an insurance benefit may be payable under the Policy. You should read the document: Core Super MySuper Other Important Information Insurance regarding all of Core Super s insurance before making a decision. This material about insurance may change between the time you read this PDS and when you acquire the product. Visit intrust.com.au. This material about insurance eligibility and conditions may change between the time you read this PDS and when you acquire the product. Beneficiaries You can nominate who receives your death benefit when completing a member application on the form provided or in MemberAccess. You can make a preferred, or a binding nomination. There are laws regarding who you can nominate. intrust.com.au [ 15 ]

18 9. How to open an account 1. Read this PDS and: Other Important Information: Fees and Costs Other Important Information: Investments Other Important Information: Insurance These booklets contain details of how Core Super operates, its benefits and its features. If you need advice tailored to your personal situation, speak with a licensed financial adviser. Intrust360 can provide financial planning services to Intrust Super members. Visit intrust360.com.au to find out more about these services. 2. Complete the membership application which accompanies this PDS, or join online at intrust.com.au. 3. Return your completed membership application to Intrust Super. On joining Core Super, you will receive a welcome pack and your member number. Cooling-off period If your employer has opened an account on your behalf, no cooling-off period applies. If you have made this choice yourself, a 14-day cooling-off period applies from the earlier of five days from the date your application is accepted or the date we confirm your membership. During this period, you may write to the Trustee to cancel your membership and have any contributions repaid [subject to preservation rules]. We will not deduct fees from the repayment. The repayment may, however, be adjusted to take into account any positive or negative investment earnings and taxes payable. Contributions subject to preservation requirements cannot be repaid in cash and must be transferred to a complying super fund, approved deposit fund or retirement savings account of your choice. Complaints The Trustee has established a procedure to deal fairly with member complaints. All complaints will be handled in a courteous and confidential manner and will be properly considered and dealt with within 90 days. [ 16 ] CORE SUPER MYSUPER PDS 1 JANUARY 2018

19 If you have a complaint, please write to: Superannuation Complaints Officer Intrust Super, GPO Box 1416, Brisbane QLD 4001 or phone The Australian Securities and Investments Commission [ASIC] also has an infoline on which you may use to make a complaint and obtain information about your rights. Respecting your privacy Protecting your personal information is important to Intrust Super and is also a legal requirement. Our privacy policy outlines the type of information we will keep about you. It explains how we, and any organisation we appoint to provide services to you on our behalf, will use this information. For more information about our privacy policy and the way we handle your personal information, visit intrust.com.au. Protect your super from being transferred to the ATO The ATO takes control of superannuation accounts deemed as lost every year. To avoid this happening to your account, ensure we have up to date phone numbers, s and addresses for you. By opting in for SuperMatch and electronic communications, you enable us to search for lost super on your behalf, contact you regularly to avoid losing touch and avoid getting returned postal mail. These all help prevent your super becoming lost. You can do this via the membership application form, or using any of the contact details on the back to alert us. Not yet registered for MemberAccess? Visit intrust.com.au to get started. Once you have registered for MemberAccess you can view your account balance, contact details and much more 24/7. intrust.com.au [ 17 ]

20 intrust.com.au Visit Level 21, 10 Eagle Street, Brisbane QLD 4000 Mail GPO Box 1416, Brisbane QLD 4001 Fax CONNECT WITH US facebook.com/intrustsuperfund twitter.com/intrustsuper Issued by IS Industry Fund Pty Ltd MySuper Unique Identifier: ABN: AFSL No: RSE Licence No: L Intrust Super ABN: USI/SPIN: HPP0100AU RSE Registration No: R IS Financial Planning Pty Ltd ABN trading as Intrust360 is a wholly owned subsidiary of IS Industry Fund. Intrust360 is a corporate authorised representative of Adviser Network Pty Ltd ABN: AFSL: Corporate Authorised Representative Number: HP/SHORT/PDS /18 ISS16

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