MyNorth Investment Options

Transcription

1 MyNorth Investment Options Contents Core investment options Select investment options Choice investment options Stard Measure Other important information This document outlines the investment options available through the MyNorth Super Pension product disclosure statement (PDS), MyNorth Super Pension Guarantee PDS, MyNorth Investment investor directed portfolio service (IDPS) guide the MyNorth Investment Guarantee PDS. MyNorth offers a range of investment options featuring: over 0 managed funds listed securities on the Australian Securities Exchange (ASX) exchange traded funds (ETFs), exchange traded commodities (ETCs) exchange traded bonds (ETBs) listed investment companies (LICs) listed investment trusts (LITs) Australian real estate investment trusts (AREITs), term deposits MyNorth investment options are split into three broad categories; Core, Select & Choice. The Administration fees you pay on your MyNorth account will differ depending on the investment options you choose. These Administration fees are described in the MyNorth Super Pension PDS Part A or MyNorth Investment IDPS Guide as applicable to you. From time to time, we'll add or remove investment options. We recommend you consult your financial adviser before selecting the specific investment options for your investment strategy. The underlying fees costs for each investment option disclosed in this document have either been sourced from an external research provider or directly from the relevant fund manager have not been independently verified by the Trustee or the administrator. costs are the ongoing fees expenses of investing in an investment option include management fees, expense recoveries, performance fees (if applicable) indirect costs. As well as management costs, transactional operational costs will generally be incurred when dealing with the underlying assets of an investment option. They include brokerage, clearing costs, stamp duty, the buy sell spreads of any underlying funds certain costs associated with holding derivatives or direct investments in real property. The net transactional operational costs shown are after any amounts recovered by the charging of a buy/sell spread. Issue number, 28 September 208 MyNorth North are registered trademarks of NMMT Limited ABN

2 In addition, some investment options that have underlying investments that use credit facilities to gain increased asset exposures will also incur borrowing costs. costs include interest, government charges debt advisory costs. Where borrowing costs are disclosed by the fund manager, these are detailed in this document. Before selecting an investment option, you should refer to the latest costs set out in that investment option's current product disclosure statement. For more information on fees costs please refer to the MyNorth Super Pension PDS Part A, MyNorth Super Pension Guarantee PDS Part B, MyNorth Investment IDPS Guide or the MyNorth Investment Guarantee PDS as applicable to you. Please submit all investment instructions through your adviser or North Online, available via northonline.com.au. Core investment options Managed funds APIR code MyNorth Active AMP208AU MyNorth Dynamic Balanced Fund AMP208AU MyNorth Retirement Fund MyNorth Index IPA082AU MyNorth Index Balanced IPA080AU MyNorth Index Defensive IPA08AU MyNorth Index Growth IPA08AU MyNorth Index High Growth IPA08AU MyNorth Index Moderately Defensive /0. 0.2/0.0 0./0. 0./0. 0.0/ b For information on the Stard Measure, refer to the 'Stard Measure' section further in this document. Cash Account Please refer to northonline.com.au for the Cash Account performance report. 2

3 Select investment options Managed funds APIR code Cash Option NML008AU (ii) (vi) AMP Capital Cash Trust (W) North Professional Series IPA00AU North Professional Alternative Balanced /0. b IPA00AU North Professional Balanced /0.9 IPA0AU North Professional Conservative /0. IPA008AU North Professional Growth /0.9 IPA009AU North Professional High Growth /0.9 IPA0080AU North Professional Moderately Conservative /0. AMP Capital Goals Based Series AMP0AU AMP Capital Corporate Bond Fund (ii) AMP90AU AMP Capital Equity Income Generator (ii) 0. AMP2088AU AMP Capital Future Cash Flow Series (ii) /0. AMP2089AU AMP Capital Future Cash Flow 9 Series (ii) /0. AMP2090AU AMP Capital Future Cash Flow 2 Series (ii) /0. IPA00AU AMP Capital Income Generator (ii) /0. AMP8AU AMP Capital Multi Asset Fund /0. IPA08AU AMP Capital Premium Growth Fund /0. Specialist Series AMP08AU Specialist Australian Share Fund AMP09AU Specialist Australian Small Companies Fund /0. AMP992AU Specialist Diversified Fixed Income Fund AMP099AU Specialist Geared Australian Share Fund (iii) /0.0 AMP082AU Specialist International (Hedged) Share Fund. 0. /0. AMP082AU Specialist International Share Fund. 0. /0. AMP990AU Specialist Property Infrastructure Fund.2 0.2/ AMP Capital single sector other funds NML00AU AMP Capital Australian Equity Value Fund (W) AMP9AU AMP Capital Core Infrastructure Fund /0. AMP0AU AMP Capital Core Property Fund Class A (iv) /0. AMP0AU AMP Capital Future Directions International Bond Fund /0. AMP9AU AMP Capital Global Infrastructure Securities Fund (Hedged) AMP9AU AMP Capital Global Infrastructure Securities Fund (Unhedged) 0.82 AMP09AU AMP Capital Global Property Securities Fund 0.29 AMP02AU AMP Capital Res Inv Leaders Balanced Fund (Class A) /0.9 AMP0AU AMP Capital Responsible Investment Leaders International Share Fund AMP098AU AMP Capital Wholesale Australian Bond Fund (ii) NML000AU AMP Capital Wholesale Australian Property Fund (iv) AMP92AU AMP Capital Dynamic Markets Fund /0.

4 AMP Capital Experts' Choice Series HLR0002AU HLR000AU HLR000AU HLR000AU HLR000AU HLR000AU HLR0022AU HLR000AU HLR002AU AMP Capital Experts Choice Australian Shares Fund AMP Capital Experts Choice Balanced Fund AMP Capital Experts Choice Conservative Fund AMP Capital Experts Choice Diversified Interest Income Fund AMP Capital Experts Choice Growth Fund AMP Capital Experts Choice International Shares Fund AMP Capital Experts Choice Property Infrastructure Fund AMP Capital Experts Choice Short Term Money Market Fund AMP Capital Experts Choice Small Companies Fund ipac Life Choices Series IPA0AU IPA0AU IPA0AU IPA0AU IPA0AU IPA08AU IPA02AU ipac Life Choices Active 0 (v) ipac Life Choices Active 0 (v) ipac Life Choices Active 8 (v) ipac Life Choices Active 00 (v) ipac Life Choices Alternative Balanced (v) (ii) (v) ipac Life Choices Income Generator ipac Life Choices Premium Growth (v) /0.2 0./0. 0.2/ / 0.2/ / /0. / / / /0. 0./0. 0./0. b (ii) (iii) (iv) (v) (vi) For information on the Stard Measure, refer to the Stard Measure section further in this document. This investment option will distribute income monthly in cash. The investment option may also pay any realised capital gains any other distributable. The management fee for this managed fund is charged on the gross assets of the fund including any borrowings. The management cost shown includes an estimate of the management fee based on the net assets of the fund. This investment is defined as an illiquid investment under superannuation law. This means it is unlikely that it can be redeemed proceeds returned to the member/investor within 0 days may take up to 20 days. For an explanation of illiquid investments please refer to liquidity riskin the MyNorth Super Pension PDS Part A or the MyNorth Investment IDPS Guide. This investment option is closed to new investors. Existing investors that hold the fund can continue to purchase additional units. Investors who have selected a Guarantee may select these funds. Term deposits Provider AMP ANZ Adelaide Bank Westpac Please refer to northonline.com.au for the current list of terms rates. Term deposits are not currently available on accounts with a Guarantee.

5 Choice investment options Managed funds Managed funds available with a MyNorth Guarantee. APIR code North Guardian Funds IPA0AU North Guardian Balanced Fund IPA08AU North Guardian Growth Fund IPA09AU North Guardian Moderately Defensive Fund / 0.2/0.0 0./0. b For information on the Stard Measure, refer to the 'Stard Measure' section further in this document. APIR code b Advantage Range Australian Shares AMP202AU Alphinity Advantage Australian Share Fund AMP920AU Ausbil Advantage 0/0 Focus Fund.8 0. AMP9AU Bennelong Advantage ex20 Australian Equities Fund AMP20AU DNR Capital Advantage Australian Equities High Conviction Fund AMP02AU Fidelity Advantage Australian Equities Fund 0.0 AMP20AU Ironbark Karara Advantage Australian Share Fund /0. AMP2AU Legg Mason Martin Currie Advantage Equity Income Fund 0. AMP80AU Merlon Advantage Wholesale Australian Share Income Fund (ii) AMP202AU NAM Advantage Australian Share Income Fund AMP208AU Perennial Value Advantage Income Wealth Defender Fund 0.8 AMP8AU Schroder Advantage Australian Equity Fund Global Shares AMP9AU Aberdeen Advantage Emerging Opportunities Fund. 0./0. AMP9989AU Antipodes Advantage Global Fund. AMP8AU Arrowstreet Advantage Global Equity Fund /0. AMP208AU Grant Samuel Epoch Advantage Global Eq Shareholder Yield Fund.0 AMP2080AU Magellan Advantage Global Fund AMPAU Walter Scott Advantage Global Equity Fund 0./ AMP8AU Zurich Investment Advantage Global Growth Fund 0.8 Fixed Interest AMP20AU AB Advantage Dynamic Global Fixed Income Fund /0. AMP0AU AMP Capital Advantage Corporate Bond Fund (ii) AMP208AU Bentham Advantage Global Income Fund /0. AMP828AU Janus Henderson Advantage Tactical Income Fund 0.0 AMP8AU Kapstream Advantage Absolute Return Income Fund 0.0 AMP2082AU PIMCO Advantage Diversified Fixed Interest Fund /0. AMPAU Schroder Advantage Fixed Income Fund

6 b Property Infrastructure AMP8292AU AMP Capital Advantage Core Infrastructure Fund /0. AMP29AU AMP Capital Advantage Global Property Securities Fund AMP08AU Lazard Advantage Global Listed Infrastructure Fund AMP08AU Legg Mason Martin Currie Advantage Australian Real Income Fund 0. AMP200AU RARE Advantage Infrastructure Value Fund Hedged 0. 0./0.0 Alternatives AMP8AU Invesco Advantage Wholesale Global Targeted Returns Fund (ii) For more information on the Stard Measure, refer to the 'Stard Measure' section of this document. The investment option will distribute income monthly in cash. The investment option may also pay any realised capital gains any other distributable. All other managed funds available through the Choice menu. APIR code Multisector Cautious FSF00AU Colonial First State (W) Conservative Fund (iii) SBC08AU UBS Defensive Investment Fund Conservative /0. b ETL02AU Allan Gray Australia Stable Fund. BAR08AU Blackrock Scientific Diversified Stable Fund /0. RIM002AU Russell II Portfolio (iii) /0. VAN009AU Vanguard Conservative Index Fund /0. Moderately Conservative DFA00AU Dimensional World Allocation 0/0 Trust (iv) /0.0 Balanced BAR08AU BlackRock Scientific Diversified Growth Fund PWA0822AU BlackRock Tactical Growth Fund /0.8 FSF0008AU Colonial First State Diversified Fund (W) MPL000AU MapleBrown Abbott Diversified Investment Trust (iii) /0.8 MPL080AU MapleBrown Abbott Funded Super Fund (iii) /0.8 MMF0AU Onepath Wholesale Managed Growth Trust (iii) /0.0 PER00AU Perpetual Balanced Growth Fund (W) / PER00AU (iii) (v) Perpetual PST Balanced Growth Fund / RIM002AU Russell IV Portfolio (iii) /0. SCH002AU Schroder Balanced Fund Wholesale Class /0.22 SBC08AU UBS Balanced Investment Fund VAN008AU Vanguard Balanced Index Fund /0. Moderately Aggressive DFA0029AU Dimensional World Allocation 0/0 Trust (iv) 0. /0.0 RIM002AU Russell V Portfolio (iii) /0.8 VAN00AU Vanguard Growth Index Fund /0.

7 b Aggressive DFA00AU Dimensional World Equity Trust (iv) 0.8 VAN0AU Vanguard High Growth Index Fund Specialist CRS0002AU Aberdeen Stard Multi Asset Real Return Fund.2 CRS000AU Aberdeen Stard Multi Asset Income Fund (ii) / MAL008AU BlackRock Global Allocation Australian Fund.20 MAL0029AU BlackRock Global Allocation Fund.0 BLK0009AU BlackRock Global MultiAsset Income Fund (ii) 0. PER0AU Perpetual Wholesale Diversified Real Return Fund SCH009AU Schroder Real Return CPI.% Fund Wholesale Class /0.8 2 SCH00AU Schroder Real Return CPI % Fund Wholesale Class 0. SST002AU State Street Retirement Lifestyle Builder Fund /0. SST00AU State Street Retirement Lifestyle Provider Fund 0. SST00AU State Street Retirement Lifestyle Sustainer Fund /0. Cash Cash Deposits SBC08AU UBS Cash Fund (ii) 0.2 Short Term Fixed Interest DDH0009AU DDH Cash Fund (ii) 0.22 DFA000AU Dimensional Short Term Fixed Interest (iv) MAQ00AU Macquarie (W) Treasury Fund (iii) 0. MAQ020AU Macquarie Australian Diversified Income Fund /0. SBC082AU UBS Cash Plus Fund (iii) /0.0 VAN002AU Vanguard Cash Plus Fund (ii) 0.29 / Credit Mortgages LTC0002AU (viii) (x) (xi) La Trobe Australian Credit Fund. Fixed Interest Australian Fixed Interest CSA00AU Aberdeen Stard Active Index Income Fund (ii) 0.0 /0.0 CRS000AU Aberdeen Stard Australian Fixed Income Fund /0. CRS0008AU Aberdeen Stard Inflation Linked Bond Fund /0.2 RFA08AU Pendal Fixed Interest Fund / WFS0AU Pendal Enhanced Cash Fund /0.0 FSF002AU Colonial FS (W'sale) Australian Bond Fund (iii) BGL00AU ishares Australian Bond Index Fund /0.0 IOF00AU Janus Henderson Cash Enhanced Fund 0. IOF0AU Janus Henderson Tactical Income Fund 0. SSB022AU Legg Mason Western Asset Aust Bond Trust Class A Units (ii) 0.2 TYN00AU Nikko AM Australian Bond Fund /0.0 ETL082AU PIMCO EQT Wholesale Australian Focus Fund /0.0 ETL00AU PIMCO EQT Australian Bond Fund (W) /0.0 SBC08AU UBS Australian Bond Fund /0.0

8 b VAN000AU Vanguard Australian Fixed Interest Index Fund (W) 0.2 VAN002AU Vanguard Australian Government Bond Index Fund /0.0 Diversified Fixed Interest BTA08AU Pendal Monthly Income Plus Fund (ii) 0. 0./ HOW002AU Kapstream Absolute Return Income Fund (W) MAQ02AU Macquarie Dynamic Bond Fund ETL00AU PIMCO EQT Diversified Fixed Interest Fund (W) SCH0028AU Schroder Fixed Income Fund Wholesale Class SBC000AU UBS Diversified Fixed Income Fund /0.0 Global Fixed Interest ADV00AU Advance International Fixed Interest Multi Blend Fund DFA008AU Dimensional FiveYear Diversified F/I (iv) 0.0 / DFA0028AU Dimensional Global Bond Trust (iv) /0.0 DFA0002AU Dimensional TwoYear Diversified F/I (iv) / BGL0008AU ishares Global Bond Index Fund 0./0. GSF0008AU Payden Global Income Opportunities 0. ETL008AU PIMCO EQT Global Bond Fund (W) /0.0 ETL0020AU PIMCO EQT Global Real Return Fund (W) ETL098AU T. Rowe Price Dynamic Global Bond VAN00AU Vanguard International Fixed Interest Index Fund (Hedged) (W) Annuities MLT000AU (ii) (vi) Challenger Guaranteed Income Fund (.00 cents p.a. 0 Sep 2022) MLT000AU Challenger Guaranteed Income Fund (. cents p.a. March 2020) (ii) (vi) Specialist ACM000AU AllianceBernstein Dynamic Global Fixed Income Fund /0. FRT00AU Franklin Templeton Multisector Bond Fund (W) PER02AU JPMorgan Global Strategic Bond Fund /0. SSB00AU Legg Mason Brywine Global Opportunistic Fixed Income Fund (Class A) 0.0 / ETL08AU PIMCO Income Fund (ii) 0. Credit CSA008AU Bentham Global Income Fund (W) (ii) /0.2 CSA00AU Bentham Syndicated Loan Fund (W) (ii) MAL002AU (ii) (iii) BlackRock Monthly Income Fund (W) / FSF008AU Colonial First State Global Credit Income Fund (W) (ii) 0.2 CNA080AU Invesco Senior Secured Income Fund (W) (ii) 0. MAQ02AU Macquarie Income Opportunities Fund (ii) /0. PER020AU Perpetual Diversified Income Fund (W) 0. ETL009AU PIMCO EQT Global Credit Fund (W) / PMC00AU PM Capital Enhanced Yield Fund. PGI000AU Principal Global Credit Opportunities Fund /0. SCH00AU Schroder Absolute Return Income Fund (W) UBS000AU UBS Income Solution Fund /0.8 VAN00AU Vanguard International Credit Securities Indexed Hedged Fund

9 b Property Australian Property NFS0209AU Antares Listed Property Fund /0. APN0008AU APN AREIT Fund (ii) 0.8 NIl MAQ082AU (vii) (viii) Charter Hall Direct Office (W) A /2.0 FSF000AU Colonial Property Securities Fund (iii) CRM008AU Cromwell Direct Property Fund (ii) CRM002AU Cromwell Phoenix Core Listed Property Fund 0.80 PAL0002AU Ironbark Paladin Property Securities Fund 0.8 BGL008AU ishares Australian Listed Property Index Fund SSB002AU Legg Mason Australian Real Income Fund 0.8 SSB028AU Legg Mason Property Securities Trust Class A 0.2 MAQ00AU Macquarie Master Property Securities Fund (iii) 0.2 RFA08AU Pendal Property Investment Fund / HBC0008AU SG Hiscock Property Securities Fund (W) 0.8 CRS000AU SG Hiscock Wholesale Property Fund 0.8 SBC08AU UBS Property Securities Fund 0.8 VAN000AU Vanguard Australian Property Securities Index Fund (W) 0.2 ZUR00AU Zurich Australian Property Securities Fund 0.8 Global Property DFA000AU Dimensional Global Real Estate Trust (iv) 0. GTU00AU Invesco Wholesale Global Property Securities Fund (Hedged) /0. MGL000AU Ironbark Global (ExAustralia) Property Securities Fund MPL0008AU MapleBrown Abbott Global Listed Infrastructure Fund (Hedged) IOF08AU Resolution Capital Global Property Securities (Unhedged) Series II IOF008AU Resolution Capital Global Property Securities Fund (Hedged) Series II WHT00AU Resolution Capital Property Securities Fund. 0. RIM00AU Russell Intl Property Securities $A Hedged Class A Fund (iii) /0. ETL000AU SGH LaSalle Global Listed Property Securities Fund.0 0. HML00AU UBS Clarion Global Property Securities Fund VAN008AU Vanguard International Property Securities Index Fund 0.0 VAN009AU Vanguard International Property Securities Index Fund (Hedged) 0. Australian Equities Income PPL0002AU Antares Dividend Builder /0. ETL08AU Armytage Australian Equity Income Fund RFA00AU Pendal Imputation Fund / FSF09AU Colonial First State Equity Income Fund (W) FSF000AU Colonial Wholesale Imputation Fund (iii) IML000AU Investors Mutual Equity Income Fund 0. SSB00AU Legg Mason Martin Currie Equity Income Trust 0.8 ADV00AU MapleBrown Abbott Australian Share Fund (W) 0.92 HBC00AU Merlon Australian Share Income Fund (W) (ii) TYN008AU Nikko AM Australian Share Income Fund

10 b IOF008AU Perennial Value Shares for Income Trust WHT009AU Plato Australian Shares Income Fund WHT00AU Plato Australian Shares Income Fund (Managed ) VAN00AU Vanguard Australian Shares High Yield Fund ZUR08AU Zurich Equity Income Fund (ii). Mid/Small/Micro Cap CSA0AU Aberdeen Stard Australian Small Companies Fund.2 CRS000AU Aberdeen Stard Ex20 Australian Equities Fund 0.9 AAP00AU Ausbil Australian Emerging Leaders Fund AUG008AU Australian Ethical Australian Shares Fund /0. BFL000AU Bennelong ex20 Australian Equities Fund DFA00AU Dimensional Australian Small Company Trust (iv) 0.2 EGG000AU Eley Griffiths Small Companies Fund /0.2 ANT0002AU Fairview Equity Partners Emerging Companies Fund FID002AU Fidelity Future Leaders Fund IML000AU Investors Mutual Australian Small Companies 0.22 IML000AU Investors Mutual Future Leaders Fund (W) 0.22 PAT0002AU Ironbark Karara Australian Small Companies Fund.8 HOW00AU Kinetic Emerging Companies Fund (W) (iii). 0.2 MAQ0AU Macquarie Aust Smaller Companies Fund (iii) /0.0 HOW002AU NovaPort Microcap Fund (W).2 0. HOW00AU NovaPort Smaller Companies Fund (W) OPS0002AU OC Funds Premium Small Companies Fund BTA0AU Pendal MidCap Fund. 0.0 RFA089AU Pendal Smaller Companies Fund / PER008AU Perpetual Smaller Companies Fund (W).2 0./0. ETL002AU SG Hiscock ICE Fund /0. UBS000AU UBS Australian Small Companies /0. ZUR08AU Zurich Small Companies Fund (iii) 0.00 Large Cap ETL000AU Allan Gray Australia Equity Fund. PAM000AU Alphinity Australian Share (W) AMP00AU AMP (W'sale) Equity Fund Class A (iii) ARO00AU Arnhem Australian Equity Fund AAP00AU Ausbil Australian Active Equity Fund 0.0 BFL000AU Bennelong Australian Equities BFL00AU Bennelong Twenty20 Australian Equities Fund PWA082AU BlackRock Australian Share Fund (iii) / BAR08AU BlackRock Scientific Australian Equity Fund /0. HOW009AU Challenger Alphinity Australian Equity Fund (iii) 0.00 CFM00AU Colonial First State Australian Share Fund Core (W) FSF0002AU Colonial FS (W'Sale) Australian Share Fund (iii) PIM0028AU Dalton Nicol Reid Australian Equities High Conviction Fund DFA000AU Dimensional Australian Core Equity Trust (iv) 0. 0

11 DFA00AU DFA00AU FID0008AU WHT80AU HOW00AU HOW00AU BNT000AU IML0002AU IML000AU PAT000AU BGL00AU LAZ00AU TYN000AU TYN0028AU BTA00AU RFA088AU RFA009AU IOF020AU PER009AU PER002AU FSF09AU RIM0029AU SCH00AU SCH00AU ETL002AU WHT002AU SOL000AU SBC08AU UBS002AU VAN0002AU JBW0009AU Specialist Dimensional Australian Large Company Trust (iv) Dimensional Australian Value Trust (iv) Fidelity Australian Equities Fund Firetrail Australian High Conviction Fund (x) Greencape Broadcap Fund (W) Greencape High Conviction Fund (W) Hyperion Australian Growth Companies Fund Investors Mutual Australian Share Fund (W) Investors Mutual Concentrated Australian Share Fund Ironbark Karara Australian Share Fund ishares Australian Equity Index Fund Lazard Select Australian Equity Fund W Class (x) Nikko AM Australian Share Concentrated Fund Nikko AM Australian Share Fund (W) Pendal Australian Equity Fund Pendal Australian Share Fund Pendal Focus Australian Share Fund Perennial Value Shares Trust (W) Perpetual Australian Share Fund (W) Perpetual Concentrated Equity Fund (W) Realindex Australian Share Fund Class A Russell Australian Opportunities Fund (Class A) (iii) Schroder Australian Equity Fund (W) Schroder Equity Opportunities Fund SG Hiscock SGH20 Fund Solaris Core Australian Equity Fund Solaris Core Australian Equity Fund (Performance Alignment) UBS Australian Share Fund UBS HALO Australian Share Fund Vanguard Australian Shares Index Fund (W) Yarra Australian Equities Fund / 0.0/ 0.0/ 0./0. 0./0. b ACM000AU Alliance Bernstein Managed Volatility Equities Fund 0. PPL0AU Antares Elite Opportunities Fund /0. PPL00AU Antares High Growth Shares Fund /0. AAP0008AU Ausbil 0/0 Focus Fund.. AAP0002AU Ausbil Australian Geared Equity (ix) MAL002AU BlackRock Australian Equity Opportunities Fund /0.0 FSF089AU Colonial First State Acadian Aust Equity Long Short (W) FSF0AU Colonial First State Antares Elite Opportunities (W) FSF00AU Colonial First State Geared Share Fund (W) (ix) /0.0 IML000AU Investors Mutual Industrial Fund (W) 0.0 KAM00AU K2 Australian Absolute Return Fund ETL090AU L Capital Long Short Fund Retail Class.82.

12 b RFA002AU Pendal Ethical Share Fund / RFA00AU Pendal Geared Imputation Fund (ix) / PCL000AU Pengana Australian Equities Fund 2.0 IOF0228AU Perennial Value Wealth Defender Australian Shares Trust PER0AU Perpetual Ethical SRI Fund (W) /0. PER00AU Perpetual Geared Australian Share Fund (W) (ix) /0.8 PER00AU Perpetual Industrial Share Fund (W) / PER008AU (iii) (v) Perpetual PST Industrial Share Fund / PER002AU Perpetual Share Plus Long Short Fund (W) (iii) WHT89AU Solaris Australian Equity Long Short Fund (x) SST008AU State Street Australian Equity Fund /0. FHT000AU The Montgomery Fund. 0.2 Global Equities Income GSF000AU Grant Samuel Epoch Global Shareholder Yield Fund (Hedged).0 GSF0002AU Grant Samuel Epoch Global Shareholder Yield Fund (Unhedged).2 Mid/Small/Micro Cap DFA00AU Dimensional Global Small Company Trust (iv) 0. PCL0022AU Pengana Global Small Companies Fund (x). 0. HHA0002AU Pengana International Fund Ethical Opportunity (iii). 0.8 HOW0002AU Pengana International Fund Ethical (iii). 0. LAZ002AU Lazard Global Small Cap Fund (W) /0.0 ETL0AU Paradice Global Small Mid Cap Fund Large Cap EQI00AU Aberdeen Stard International Equity Fund /0. MAQ0AU Arrowstreet Global Equity Fund /0. BAR08AU BlackRock Scientific International Equity Fund /0. BTA00AU Pendal International Share Fund / RFA082AU Pendal Core Global Share Fund / DFA000AU Dimensional Global Core Equity Trust (iv) 0.9 DFA00AU Dimensional Global Large Company Trust (iv) 0. DFA002AU Dimensional Global Value Trust (iv) 0. FID002AU Fidelity Global demographics fund. FID000AU Fidelity Global Equities Fund. FRT0009AU Franklin Global Growth Fund. 0.2 MAQ00AU IFP Global Franchise Fund /0. MGL000AU Ironbark Royal London Concentrated Global Share Fund.00 BGL00AU ishares International Equity Index Fund 0./0.0 HGI000AU Janus Henderson Global Equity Income Fund.00 0./0. PER09AU JPMorgan Global Research Enhanced Index Equity MGE000AU Magellan Global Fund.8 MGE000AU Magellan High Conviction Fund MIA000AU MFS Global Equity Trust 0. SUN00AU Nikko AM Global Share Fund

13 b ETL0AU Orbis Global Equity Fund Retail Class ETL09AU PanTribal Global Equity Fund.20 0./0. PER000AU Perpetual International Share Fund (W) (iii) / PER009AU (iii) (v) Perpetual PST Global Share Fund / PER0AU Perpetual Wholesale Global Share Fund (x) /0.2 WHT00AU Plato Global Shares Income A (ii) 0. MAQ088AU Polaris Global equity fund /0.9 FSF09AU Realindex Global Share Fund Class A 0.8 RIM0008AU Russell International Shares Fund (Class A) (iii) /0.0 SCH000AU Schroder Global Core Fund /0.0 SCH000AU Schroder Global Value Fund /0. SST000AU State Street Global Equity Fund /0. FSFAU Stewart Investors Worldwide Sustainability Fund Class A.0 ETL00AU T. Rowe Price Global Equity Fund / FRT000AU Templeton Global Equity Fund. 0. VAN000AU Vanguard International Shares Index Fund 0.8 MAQ00AU Walter Scott Global Equity Fund.28 0./ AUS00AU Wingate Global Equity Fund ZUR0AU Zurich Concentrated Global Growth.0 0. ZUR080AU Zurich Global Growth Share Fund.0 ZUR00AU Zurich Investments Global Thematic Share Fund Large Cap (Currency Hedged) CRS000AU Aberdeen Stard Actively Hedged International Equities Fund /0. CSA0AU Aberdeen Stard Fully Hedged International Equities Fund /0. MAQ009AU Arrowstreet Global Equity Fund (Hedged) /0. DFA0009AU Dimensional Global Core Equity Trust (Hedged) (iv) 0.9 MAQ0AU IFP Global Franchise Fund (Hedged) /0.22 MGL008AU Ironbark Copper Rock Global All Cap Share Fund (iii). MGE000AU Magellan Global Fund (Hedged).2 ETL00AU MFS Fully Hedged Global Equity Trust 0.80 FSF09AU Realindex Global Share Hedged Fund Class A VAN00AU Vanguard International Shares Index Fund (Hedged) 0.2 MAQ0AU Walter Scott Global Equity Fund (Hedged) /0. ZUR0AU Zurich Investments Hedged Global Thematic Share Fund.0 Regional EQI0028AU Aberdeen Stard Asian Opportunities Fund.2 ETL002AU Aberdeen Stard Emerging Opportunities Fund. IOF020AU Antipodes Asia Fund DFA00AU Dimensional Emerging Markets Trust (iv) 0.2 FID000AU Fidelity Asia Fund /0.0 FID00AU Fidelity India Fund /0.0 LAZ000AU Lazard Emerging Markets Fund. 0.0/0.0 MAQ00AU Macquarie Asia New Stars No. Fund /0.0 BTA00AU Pendal Asian Share Fund /

14 b PLA000AU Platinum Asia Fund. 0.2 PLA000AU Platinum European Fund. PLA000AU Platinum Japan Fund. 0.0 MAQ0AU Premium China Fund ETL08AU Robeco Emerging Conservative Equity Fund /0. SCH000AU Schroders Asia Pacific Fund (x). 0./0. SCH00AU Schroder Global Emerging Markets /0. ETL00AU T. Rowe Price Asia exjapan Fund /0.0 VAN000AU Vanguard Emerging Markets Shares Index Fund 0. MAQ0AU Walter Scott Emerging Markets Fund /0.2 Specialist MAQ09AU Analytic Global Managed Volatility Fund /0. IOF00AU Antipodes Global Fund. MAL00AU BlackRock International Gold Fund (iii).2 0./0. FSF089AU (viii) (ix) Colonial First State Acadian Geared Global Equity (W) FSF0908AU Colonial First State Generation Wholesale Global Share Fund (iii) FSF008AU Colonial First State Global Resources Fund (W). MGL009AU Ironbark Copper Rock Emerging Markets Opportunities Fund ETL0AU Janus Henderson Global Natural Resources Fund /0. PER0AU PineBridge Global Dynamic Asset Allocation Fund.0 PLA000AU Platinum International Brs Fund. PLA0002AU Platinum International Fund. 0.2 PLA000AU Platinum Unhedged Fund. PMC000AU PM Capital Global Companies Fund Infrastructure Global LAZ00AU Lazard Global Listed Infrastructure Fund MAQ02AU Macquarie International Infrastructure Securities Fund (Hedged) MAQ082AU Macquarie International Infrastructure Securities Fund (Unhedged) MGE0002AU Magellan Infrastructure Fund. 0./0. MGE000AU Magellan Infrastructure Fund (Unhedged).2 0./0. MPL000AU MapleBrown Abbott Global Listed Infrastructure Fund 0.98 TGP0008AU RARE Infrastructure Value Fund (Hedged).2 0. /0. TGP00AU RARE Infrastructure Value Fund (Unhedged).2 0. /0. VAN002AU Vanguard Global Infrastructure Index Fund 0.9 VAN002AU Vanguard Global Infrastructure Index Fund (Hedged) /0. Alternatives FSF08AU Aspect Diversified Futures Fund Class A ASX2AU Auscap Long Short Australian Equities Fund (x). BFL000AU Bennelong Kardinia Absolute Return Fund MAL009AU BlackRock Australian Equity Absolute Return Fund /0.0 BLK000AU BlackRock Multi Opportunity Absolute Return Fund /0. WHTAU Firetrail Absolute Return Fund (x) /0.0 GMO000AU GMO Systematic Global Macro Trust Class B (x).0 0.0

15 b GTU009AU Invesco Wholesale Global Targeted Returns Fund Class A DEU009AU Ironbark Global Diversified Alternatives Fund 2.88 HFL00AU Ironbark LHP Diversified Investments Fund. HFL008AU Ironbark LHP Global Long/Short Fund (viii).90 MAN0002AU MAN AHL Alpha Fund ETL02AU Partners Group Global Value Fund (viii) 2.9 PCL000AU Pengana Absolute Return Asia Pacific Fund (viii) WMF000AU Watermark Market Neutral Trust MAQ082AU Winton Global Alpha Fund /0.0 For information on the Stard Measure, refer to the ' Stard Measure' section further in this document. (ii) This investment option will distribute income monthly in cash. The investment option may also pay any realised capital gains any other distributable. (iii) This investment option is closed to new investors. Existing investors that hold the fund can continue to purchase additional units. (iv) Available through Dimensional approved advisers only. Advisers can contact Dimensional on (v) This is a tax paid investment option is only eligible to superannuation members. (vi) This investment option has an early withdrawal fee. Refer to the investment option s underlying PDS, available from North Online, for further information. (vii) Not available to super or pension members. (viii) This investment is defined as an illiquid investment under superannuation law. This means it is unlikely that it can be redeemed proceeds returned to the member/investor within 0 days may take up to 20 days. For an explanation of illiquid investments please refer to liquidity risk in the MyNorth Super Pension PDS Part A or the MyNorth Investment IDPS Guide. (ix) The management fee for this managed fund is charged on the gross assets of the fund including any borrowings. The management cost shown includes an estimate of the management fee based on the net assets of the fund. (x) This investment option will be available from 2 October 208. (xi) This fund has restrictions on the timing the amount that can be redeemed when a withdrawal request is made. Please refer the underlying fund product disclosure statement for further details. This cost was not available or provided by the investment manager as at the date of this document being published. You should refer to the underlying product disclosure statement for the managed fund for full details about fees costs. Managed funds in specie only transfers In specie transfers allow you to transfer managed funds held outside of MyNorth into your MyNorth account. The transfer of managed funds into MyNorth is subject to agreement by the previous provider. You're permitted to transfer any existing holding of these managed funds, but you're not entitled to purchase additional units. For more information on in specie transfers, please contact your financial adviser. APIR code Multisector Conservative ADV009AU Advance Defensive Multi Blend Fund (ii) BTA080AU Pendal Active Conservative Fund RIM0002AU Russell Conservative Fund RIM002AU Russell II Portfolio Class B Units Balanced / 0./0. 0./0. b 2 ADV000AU Advance Balanced Multi Blend Fund RFA08AU Pendal Active Balanced Fund / BTA000AU BT Balanced Returns PST Fund (iii) /0.2 FSFAU Colonial First State FirstChoice MultiIndex Balanced Fund Class A 0. UFM00AU IOOF MultiMix Moderate Fund /0.2 RIM000AU Russell Balanced Fund /0.

16 b RIM000AU Russell Div 0 Fund Class A Units /0. SCH000AU (vi) (vii) Schroder Balanced Professional /0.22 ZUR0209AU Zurich (W) Super Managed Growth Fund 0. Moderately Aggressive ADV008AU Advance High Growth Multi Balanced Fund /0.2 RFA082AU BT Active Balanced PST Fund (iii) /0. RIM000AU Russell Growth Fund /0.8 RIM00AU Russell High Growth Fund / RIM002AU Russell IV Portfolio Class B Units /0. RIM0028AU Russell V Portfolio Class B Units /0.8 Credit Mortgages AUS000AU Australian Unity High Yield Mortgage Trust AUS0AU Australian Unity Wholesale Mortgage Income Trust MLC02AU MLC Wholesale Income Builder Fund 0.2 HML0002AU OnePath Monthly Income Trust (iv) MMF000AU OnePath Mortgage Trust No 2 Fixed Interest Australian Fixed Interest FSF09AU Colonial Income Fund MAQ00AU Macquarie Master Fixed Interest Fund /0.0 MAQ02AU Macquarie True Index Australian Fixed Interest /0.0 Global Fixed Interest PWA082AU BlackRock International Bond Fund /0.2 SBC089AU UBS International Bond Fund Property Australian Property AUS02AU (vi) (vii) AUI Healthcare Property Trust W / PFA000AU PFA Diversified Property Trust (ii) Diversified Property APN000AU (ii) (iv) APN Property for Income Fund.0 APN000AU (ii) (iv) APN Property for Income Fund No Australian Equities Mid/Small/Micro Cap AMP0AU AMP (W'sale) Small Companies Fund Class A /0. MMF02AU OnePath (W) Emerging Companies Trust /0.2 HHA000AU Pengana Australian Equities Income Fund. 0.0 PER020AU Pengana Emerging Companies Fund. 0. Large Cap MGL0AU Aberdeen Stard Australian Equities Fund 0.80 HOW002AU Alphinity (W) Concentrated Australian Share Fund. 0. AUS000AU Australian Unity (W) Platypus Australian Equities Fund.9 BTA002AU BT Australian Share PST Fund (iii)

17 b FSF009AU Lazard Select Australian Equity Fund (W).0 ETL000AU MHOR Australian Small Caps Fund (v) 2.0. AJF080AU OnePath Wholesale Australian Share Trust 0. PER00AU Perpetual Industrial Share Fund /0. SCH0002AU Schroder Australia Equity Fund Global Equities Large Cap NML08AU AMP Capital Global Equity Value Fund (W) RIM002AU Russell Global Opportunities (Class A) Fund. 0. /0. ZUR02AU Zurich (W) Super Global Thematic Share Fund 0. ZUR009AU Zurich Investments Managed Growth Fund.0 Regional FID00AU Fidelity China Fund.2 0.0/0.0 Specialist MLC0AU MLC Platinum Global Fund. 0.0/0.0 PLA00AU Platinum Inter Technology Fund. Infrastructure Global MAQ0AU Macquarie Global Infrastructure Trust II JBW000AU Yarra Australian Real Assets Securities Fund /0. Alternatives MAN00CK Man Investments OMIP (iv) MAN00CK Man Investments OMIP 220 Ltd Series (iv) MAN00CK Man Investments OMIP 220 Ltd Series 8 (iv) MAN00CK Man Investments OMIP 2AHL Ltd (iv) MAN00CK Man Investments OMIP AHL Ltd (iv) MAN009CK Man Investments OMIP Eclipse 200 (iv) MAN0009CK Man Investments Series OMIP (iv) MIN002AU Mercer Diversified Alternatives Fund For information on the Stard Measure, refer to the 'Stard Measure' section further in this document. (ii) This investment option will distribute income monthly in cash. The investment option may also pay any realised capital gains any other distributable. (iii) This is a tax paid investment option in only eligible for superannuation members. (iv) This investment is defined as an illiquid investment under superannuation law. This means it is unlikely that it can be redeemed proceeds returned to the member/investor within 0 days may take up to 20 days. For an explanation of illiquid investments please refer to liquidity risk in the MyNorth Super Pension PDS Part A or the MyNorth Investment IDPS Guide. (v) Not available for IDPS. (vi) This investment option will be available from 2 October 208. (vii) Not available to super or pension members. This cost was not available or provided by the investment manager as at the date of this document being published. You should refer to the underlying product disclosure statement for the managed fund for full details about fees costs.

18 Managed Portfolios The following managed portfolios are offered as part of the MyNorth Managed Portfolio product. For further details, please refer to the MyNorth Managed Portfolio Product Disclosure Statement which can be found at northonline.com.au/managedportfolios. APIR code Manage ment Costs Costs less estimated Performance Fees Spread b NTH000 Research Choice Conservative Income Portfolio /0. NTH0002 Research Choice Moderately Conservative Income Portfolio /0. NTH000 Research Choice Balanced Income Portfolio NTH000 Research Choice Moderately Aggressive Income Portfolio NTH000 Research Choice Aggressive Income Portfolio /0.22 NTH000 Research Choice Conservative Accumulation Portfolio /0. NTH000 Research Choice Moderately Conservative Accumulation Portfolio /0. NTH0008 Research Choice Balanced Accumulation Portfolio /0.8 NTH0009 Research Choice Moderately Aggressive Accumulation Portfolio NTH000 Research Choice Aggressive Accumulation Portfolio /0.2 NTH00 Research Choice Cautious Income Builder Portfolio (Objective Based) /0. NTH002 Research Choice Income Builder Portfolio (Objective Based) /0.2 For information on the Stard Measure, refer to the 'Stard Measure' section further in this document. Listed securities You are able to invest in securities listed on the ASX. Selected listed investment companies listed property trusts are available for investment. If you are an Investor of the Investor Directed Portfolio Service (IDPS) you can invest in any direct equity or unit trusts listed on the ASX with the exception of unlisted managed funds (mfunds). For superannuation pension members, you will have access to the following listed securities: shares currently listed in the S&P/ASX00 index selected LICs LITs as listed on page 2 AREITs listed on the ASX all ordinaries index. all hybrids (ie convertible notes preference shares), where the issuer is listed in the S&P/ASX00 index ETFs ETCs listed on pages fixed interest securities (ie corporate bonds floating rate notes) listed on page 2. certain subclasses of shares, initial public offerings (IPOs), share purchase plans (SPPs) other securities that satisfy the Trustee s approval criteria. Securities listed in the S&P/ASX00 are subject to change, impacting the ability to invest in securities that no longer fall in the S&P/ASX00. The trustee may periodically add or remove listed securities available to superannuation pension members without warning. We recommend you obtain the latest version of this document prior to making an investment decision. When purchasing listed securities, additional costs will be incurred. These costs, which include brokerage fees, will be directly debited from your account. If using a third party broker, the cost per transaction varies between brokers is subject to change. Please refer to the MyNorth Super Pension PDS Part A or MyNorth Investment IDPS Guide for further details. Listed securities are not currently available on accounts with a Guarantee. 8

19 Exchange traded products The following exchange traded products are available to MyNorth Super Pension members. ASX code Name Australian Broad Based IOZ ishares MSCI Australia 200 ILC ishares S&P/ASX 20 ISO ishares S&P/ASX Small Ordinaries MVW VanEck Vectors Australian Equal Weight ETF QOZ BetaShares FTSE RAFI Australia 200 ETF GEAR BetaShares Geared Australian Equity Fund (hedge fund) GROW Schroders Real Return Fund STW SPDR 200 Fund SFY SPDR 0 Fund SSO SPDR S&P/ASX Small Ordinaries Fund VAS Vanguard Australian Shares Index VSO Vanguard Small Companies Index YMAX BetaShares Australian Top 20 Equity Yield Maximiser Fund Australian Sector MVA VanEck Vectors Australian Property ETF MVB VanEck Vectors Australian Banks ETF SLF SPDR S&P/ASX 200 Listed Property Fund OZF SPDR S&P/ASX 200 Financials ex AREITS Fund OZR SPDR S&P/ASX 200 Resources Fund VAP Vanguard Australian Property Securities Index ETF International WRLD BetaShares Managed Global Share Fund UMAX BetaShares S&P 00 Yield Maximiser Fund IAA ishares Asia 0 ETF ITW ishares MSCI Taiwan ETF IKO ishares MSCI South Korea Capped ETF IHOO ishares Global 00 AUD Hedged ETF IHVV ishares S&P 00 AUD Hedged ETF IZZ ishares China LargeCap ETF IJP ishares MSCI Japan ETF IEM ishares MSCI Emerging Markets ETF IOO ishares Global 00 ETF IVV ishares Core S&P 00 IJH ishares Core S&P MidCap 00 IJR ishares Core S&P SmallCap 00 IVE ishares MSCI EAFE ETF IEU ishares Europe ETF MGE Magellan Global Equities Fund FLOT VanEck Vectors Australian Floating Rate ETF VEU Vanguard AllWorld EX US Shares Index VEQ Vanguard FTSE Europe Shares ETF NIl NIl NIl NIl 0.2/0.0 b 9

20 ASX code Name b VIF Vanguard International Fixed Interest Index (Hedged) ETF 0.0 VGS Vanguard MSCI Index International Shares ETF 0.8 VGAD Vanguard MSCI Index International Shares (Hedged) ETF 0.2 VTS Vanguard US Total Market Shares Index 0.0 WDIV S&P Global Dividend Fund WEMG S&P Emerging Markets Fund WXHG S&P World Ex Australian Hedged Fund WXOZ S&P World Ex Australian Fund 0.0 International Sectors NDQ BetaShares NASDAQ 00 ETF 0.8 DJRE Dow Jones Global Real Estate Fund 0.0 NIl GDX VanEck Vectors Gold Miners ETF 0. IXI ishares Global Consumer Staples ETF 0.8 IXJ ishares Global Healthcare ETF 0.8 IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF MICH Magellan Infrastructure Fund (Currency hedged). 0. Strategy Focussed IHD ishares S&P/ASX Dividend Opportunities ETF QUAL VanEck Vectors MSCI World exaustralia Quality ETF RDV Russell High Dividend Australian Shares ETF 0. SYI SPDR MSCI Australia Select High Dividend Yield Fund 0. NIl VHY Vanguard Australian Shares High Yield ETF Cash & Fixed Income Exposure AAA BetaShares Australian High Interest Cash ETF 0.8 BOND Australian Bond /0. GOVT Australian Government Bond /0. IAF ishares UBS Composite Bond ETF IGB ishares UBS Treasury ETF 0.2 ILB ishares UBS Government Inflation Index Fund 0.2 NIl RCB Russell Australian Select Corporate Bond 0.0 RSM Russell Australian SemiGovernment Bond ETF 0.2 VAF Vanguard Australian Fixed Interest Index VACF Vanguard Australian Corporate Fixed Interest Index Fund VGB Vanguard Australian Government Bond Index ETF Commodity Exposure ETPMAG ETFS Physical Silver 0.9 GOLD ETFS Physical Gold 0.0 NIl OOO BetaShares Crude Oil Index ETF Currency Hedged (Synthetic).29 For information on the Stard Measure, refer to the 'Stard Measure' section further in this document. 20

21 LICs & LITs The following LICs LITs are available to MyNorth Super Pension members. ASX code Name Australian Shares ARG AFI ALF MIR MLT PIC PL8 QVE SEC WAA WAM WAX WDE Argo Investments Limited Australian Foundation Investment Company Limited Australian Leaders Fund Limited Mirabooka Investments Milton Corporation Perpetual Equity Investment Company Limited Plato Income Maximiser Limited Qv Equities Limited Spheria Emerging Companies Limited WAM Active Limited WAM Capital WAM Research Limited Wealth Defender Equities Limited Australian Fixed income MXT Metrics Credit Partners Master Income Trust International Shares MGG PAI PGF PMC Alternatives WMK Magellan Global Trust Platinum Asia Investments Limited PM Capital Global Opportunities Fund Limited Platinum Capital Limited WaterMark Market Neutral Fund Limited b Fixed interest securities The following fixed interest securities are currently available to MyNorth Super Pension members. You may be able to invest in other fixed interest securities that meet the Trustee s eligibility criteria. Please speak to your financial adviser for more information. ASX code Floating Rate Notes AGKHA AMPHA ANZHA AQHHA BENHB CBAHA CNGHA CWNHA HBSHB MBLHB NABHA NABHB ORGHA TAHHB WBCHA WBCHB WOWHC Issuer AGL Energy Limited AMP Limited Australia New Zeal Banking Group APT Pipelines Limited Bendigo Adelaide Bank Limited Commonwealth Bank of Australia Colonial Holding Company Limited Crown Resorts Limited Heritage Bank Limited Macquarie Group Limited National Australia Bank Limited National Australia Bank Limited Origin Energy Limited TABCORP Holdings Limited Westpac Banking Corporation Westpac Banking Corporation Woolworths Limited For information on the Stard Measure, refer to the 'Stard Measure' section further in this document. 2

22 Exchange Traded Bonds ASX code Underlying Bond Issuer The following Exchange Traded Bonds (XTBs) are currently available to MyNorth Super & Pension members. ASX code YTMAGL YTMF0 YTMAPA YTMAZJ YTMAST YTMANZ YTMF0 YTMBOQ YTMF0 YTMF08 YTMBHP YTMBH YTMCTX YTMCCA YTMCWN YTMDXS YTMDOW YTMDO YTMGPT YTMIPL YTMLLC YTMLL YTMMQG YTMF09 YTMMGR YTMMG YTMNAB YTMNA YTMF0 YTMF0 Underlying Bond AGL.00% 0//202 AMP FRN 0/0/208 APA.% 22/0/2020 AZJ.% 28/0/2020 AST.% 28/0/2022 ANZ.2% 0/0/2020 ANZ FRN /0/2020 BOQ.00% 2/0/208 BOQ FRN 2/0/208 BOQ FRN //209 BHP.% 8/0/20 BHP.00% 0/0/2020 CTX.2% 2//208 CCA.2% //209 CWN.% 8/0/20 DXS.% 0/09/208 DOW.% 29//208 DOW.0% /0/2022 GPT.% 2/0/209 IPL.% 2/02/209 LLC.0% //208 LLC.00% /0/2020 MQG.2% 0/0/2020 MQG FRN /0/2020 MGR.% 8/09/2020 MGR.0% 8/2/20 NAB.2% 20/0/209 NAB.00% /2/202 NAB FRN 08//208 NAB FRN 20/0/209 Issuer AGL ENERGY LTD AMP BANK LIMITED APT PIPELINES LTD AURIZON NETWORK PTY LTD AUSNET SERVICES HOLDINGS AUST & NZ BANKING GROUP AUST & NZ BANKING GROUP BANK OF QUEENSLAND LTD BANK OF QUEENSLAND LTD BANK OF QUEENSLAND LTD BHP BILLITON FINANCE LTD BHP BILLITON FINANCE LTD CALTEX AUSTRALIA LTD COCACOLA AMATIL LTD CROWN GROUP FINANCE LTD DEXUS FINANCE PTY LTD DOWNER GROUP FINANCE PTY DOWNER GROUP FINANCE PTY GENERAL PROPERTY TRUST INCITEC PIVOT LTD LENDLEASE FIN LTD LENDLEASE FIN LTD MACQUARIE BANK LTD MACQUARIE BANK LTD MIRVAC GROUP FINANCE LTD MIRVAC GROUP FINANCE LTD NATIONAL AUSTRALIA BANK NATIONAL AUSTRALIA BANK NATIONAL AUSTRALIA BANK NATIONAL AUSTRALIA BANK YTMF0 YTMQF YTMQF2 YTMQF YTMSCG YTMSGP YTMSG YTMF0 YTMSYD YTMTLS YTMWES YTMWE YTMWBC YTMWB YTMF YTMWOW NAB FRN /0/2020 QAN.0% 2/0/2020 QAN.0% /0/202 QAN.% 9/0/2022 SCG.00% 2/0/209 SGP.0% 0/09/209 SGP 8.2% 2//2020 SUN FRN 2/0/209 SYD.% 0/0/208 TLS.% /0/2020 WES.2% 28/0/209 WES.% 2/0/2020 WBC.2% 22/0/2020 WBC.0% 28/0/2020 WBC FRN 28/0/2020 WOW.00% 2/0/209 NATIONAL AUSTRALIA BANK QANTAS AIRWAYS LTD QANTAS AIRWAYS LTD QANTAS AIRWAYS LTD SCENTRE GROUP TRUST 2 STOCKLAND TRUST STOCKLAND TRUST SUNCORPMETWAY LTD SYDNEY AIRPORT FINANCE TELSTRA CORP LTD WESFARMERS LTD WESFARMERS LTD WESTPACBANKINGCORP WESTPACBANKINGCORP WESTPACBANKINGCORP WOOLWORTHS LIMITED Stard Measure About the Stard Measure The Stard Measure (SRM) is a common risk descriptor used by superannuation funds. It is based on guidance from the Australian Prudential Regulation Authority (APRA) to allow investors to compare managed funds that are expected to deliver a similar number of negative annual returns over any 20year period. We have introduced the SRM in accordance with the recommendations from the Financial Services Council (FSC) Association of Superannuation Funds of Australia (ASFA). SRM descriptors Each managed fund listed in this document has been assigned a SRM. The table below sets out the SRM labels used for each managed fund based on the estimated number of negative annual returns that a managed fund may experience over any 20year period. 22

23 b 2 label Very low Low Low to medium Medium Medium to high High Very high Estimated number of negative annual returns over any 20 year period Less than to less than to less than 2 2 to less than to less than to less than or greater For example, managed funds with a risk b of have a medium to high risk label may experience between to less than years of negative annual returns over any 20year period. Limitations The SRM is not a complete assessment of all forms of investment risk does not replace the need for financial advice when constructing a managed fund portfolio. For instance, it does not detail what the size of a negative return could be or the potential for a positive return to be less than an investor may require to meet their objectives. Further, it does not take into account the impact of administration fees tax on the likelihood of a negative return. The SRM is not a comprehensive account of the risks of investing investors should consider these risk labels in conjunction with the different risks of investing that apply to their investments. Investors should still ensure they are comfortable with the risks potential losses associated with their chosen managed fund(s). Methodology The methodology used for calculating the SRM follows the FSC/ASFA recommendations is in line with market adopted practices. For full details on the methodology, please visit northonline.com.au. You can also contact your financial adviser or the North Service Centre on for any queries on the methodology. Changes to the SRM For each managed fund, any significant changes to market conditions may alter the SRM from time to time. In addition, any changes to the methodology used (including any regulatory changes) may also alter the SRM results. We will generally review the SRM assigned to each managed fund annually. Differences between each provider s SRM Investors should be aware that the SRM labels used for each managed fund are based on our assessment may differ to those assigned by other providers. The differences are generally due to the methodology used in calculating the SRM. Other important information This is the investment options document for the MyNorth Super Pension Fund ( the Fund, also known as MyNorth Super MyNorth Pension or Wealth Personal Superannuation Pension Fund ABN ) should be considered together with the current MyNorth Super Pension PDS Part A. This document is jointly issued by N.M. Superannuation Proprietary Limited (NM Super) ABN , AFS Licence No. 2, NMMT Limited (NMMT) ABN , AFS Licence No. 2. This document also forms the Investment options document for the Investor Directed Portfolio Service (IDPS) known as MyNorth Investment. The Operator of the IDPS is NMMT. Please refer to the PDS for each underlying managed fund investment option for detailed information relating to the underlying managed fund investment options. PDSs for underlying managed fund investment options do not constitute an offer or invitation to subscribe to or buy any of the securities offered by the fund managers of investment options. In addition, the fund managers of those investment options have not authorised or caused the issue of this document. Unless expressly stated, the fund managers of those managed fund investment options, their respective officers, holding companies trustees do not guarantee the capital invested by members of MyNorth Super, MyNorth Pension MyNorth Investment IDPS investors or the performance of the plans investment options generally. The performance, the payment of any particular return or any increase in the value of the assets acquired using the investments listed in this document are not guaranteed in any way. This publication has been prepared to provide general information only does not take into account the investment objectives, financial situation or particular needs of any particular person. It is not intended to take the place of professional advice you should not take action on specific issues in reliance on this information. Before making an investment decision, you need to consider (with or without the assistance of an adviser) whether this information is appropriate to your needs, objectives circumstances. You should obtain a copy of the relevant PDS or IDPS Guide before making a decision to invest in any financial product. Past performance is not indicative of future performance. Detailed information about the MyNorth products is contained in the PDS IDPS Guide. Applications for investment in MyNorth products will only be accepted via northonline.com.au. Copies of the PDS IDPS Guide are available on northonline.com.au or can be obtained by calling (800 NORTH). NMMT Limited, N.M. Superannuation Proprietary Limited their associates derive income from issuing interests in the product, full details of which are contained in the PDS IDPS Guide. Unless specifically stated, the repayment of capital or performance of our products are not guaranteed. This information is provided for persons in Australia only is not provided for the use of any person who is in any other country. 2