June 2017 Page 1. Category 2 - Part Time staff working less than 15 hours per week and Casuals

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1 June 2017 Page 1 Contents Benefits in Brief...1 Getting Started...1 Your Investment Choices...2 Benefits of Insurance Cover...2 & 3 Competitive Fees...4 What other Benefits are available?...5 Spouse can join the fund...5 Consolidating your Super...5 Need help finding your Super....5 Staying in touch with your Super...5 Importance of Advice...6 In Summary...6 Contact Information...6 Category 2 - Part Time staff working less than 15 hours per week and Casuals As a valued member of the team you are now eligible to join our corporate superannuation plan. The plan is specifically designed for all team members and it offers you great benefits and the flexibility to tailor your super to suit your own unique circumstances. Our superannuation plan is part of FirstChoice Employer Super. FirstChoice Employer Super is offered through Colonial First State, one of the largest and leading superannuation fund managers in Australia. The Benefits in Brief Keep all your super funds together in the one account for life and never lose the benefits. Access to over 50 investment options that helps you tailor your investments and make the most of your super. If you don t want to choose your investments, the super fund will do it for you. Generous insurance cover to protect you and your family in the event of unforeseen circumstances such as illness, injury or death. You automatically receive insurance without having to provide medicals and you re covered 24 hours a day, 365 days of the year in or outside of work. A low cost fund that allows you to access education, advice and information at any time. Access FIRSTBENEFITS special home loan savings through your super such as savings. Make the most of your super and start saving tax effectively now so you can maximise your benefits for the future. Please read through the information contained in the following pages carefully and make an informed choice about your super. Getting Started When you commence employment you need to make a decision as to where your superannuation contributions are to be paid. If you wish to join the corporate super plan, you simply need to complete the attached Choice Form and return it to the Store Manager or the relevant Payroll person. Remember Super is your money, so take some time and find out what our corporate plan can provide to you.

2 June 2017 Page 2 Your Investment Choices You have total flexibility to choose your own investments that best match your personal retirement strategy and goals. You can choose from over 50 investment options and tailor a strategy that best suits you. Like most super funds if you don t make a choice, the fund will manage your investments. If you don t choose your own investments, your super will be invested in the FirstChoice Lifestage investment option. Understanding how to invest your super is very important. Superannuation fund members are investors and as an investor, there are 3 core principles you should consider. These are: 1. Understanding your investment time horizon; 2. Understanding the advantages of investing regularly; and 3. Understanding Risk and the importance of Diversification. Generally speaking the longer your time horizon to retirement i.e. the length of time before you access your super, the more time you have in which to invest in Growth assets, such as shares and Property Securities that may provide significantly higher investment returns over the long term. That is why under the Lifestage investment option, the fund will automatically allocate your super across both Growth and Defensive assets and as you steadily move towards retirement, the fund will reduce the level of investment risk by allocating your super to more defensive assets. Further details on investments can be obtained by reading through the FirstChoice Employer Super Product Disclosure Statement (PDS.) The PDS can be obtained by contacting Colonial First State on Benefits of Insurance Cover Insurance cover is a valuable benefit that at times can be overlooked. It provides protection for you and your family in the event of an unforeseen event such as disability or death. It gives you peace of mind that you are covered 24 hours a day, 365 days of the year in or out of work. Under the corporate super plan, members will receive generous insurance cover without the hassle of having to undergo medical exams or tests, provided you join the plan when you are first eligible, that being at commence of employment. Part time staff working less than 15 hours per week & Casuals will receive the following insurances when they join the plan. Type of Insurance Cover What is it? Who is it for? Life (Death) cover Helps protect your family if you die prematurely. Provides a lump sum that can help pay off debts or to pay an income to your beneficiaries. Families, Dependents and Estates Total and Permanent Disablement (TPD) cover Protects you from the financial consequences of being totally and permanently disabled. The lump sum should help you pay medical bills, rehabilitation costs, cover debts or to provide an income to your family. Individual, Families and Dependents

3 June 2017 Page 3 Benefits of Insurance Cover continued... On joining the plan members automatically receive 3 Units of Death & Total and Permanent Disablement (TPD) cover. The amounts of cover are shown in the table below and the amount of cover will vary depending upon a member s age next birthday and their occupation. For illustration purposes, we have shown below the cover based upon a white collar member. Age Next Birthday Sum Insured * Cost per Annum 20 $300,000 $ $300,000 $ $300,000 $ $300,000 $ $180,000 $ $114,000 $ $67,500 $ $40,200 $ $24,900 $ $15,900 $ The premiums for Death and TPD cover are deducted from your super account on a monthly basis. Please note that you have 120 days from the date you commence employment in which to join as a member and have received the first contribution into your account to gain access to Full cover. If you become a member of the TerryWhite Chemmart superannuation plan, you have total flexibility to increase or decrease your insurance cover at any time. Your insurance cover will commence with effect from the date you commence employment unless you have chosen another super fund. TerryWhite Chemmart have negotiated these special terms for your benefit and you will be accepted up to the plan s Automatic Acceptance Limit for your insurance cover. Further details on the provision of insurance cover can be obtained by reading through the FirstChoice Employer Super Product Disclosure Statement (PDS). The PDS can be obtained by contacting Colonial First State.

4 June 2017 Page 4 Competitive Fees As a result of our negotiations and the buying power of TerryWhite Chemmart, we have secured excellent benefits and services at a competitive price. Listed in the table below are the fees applicable to the super plan. Type of Fee Contribution Fee Monthly Member Fee Rate Nil $1.25 per month Investment and Administration Fee * 0.60% Investment Switching Fee Nil Withdrawal Fee Nil The table below provides an estimate of the fees based on a member with an account balance of $50,000 invested in the FirstChoice Lifestage option. Type of Fee Member fee Investment and Administration Fee * - $50,000 x 0.60% Total fees Estimated Amount $1.25 per month $25.00 per month $26.25 per month * The Management cost reflects the Investment fees applicable to the trustee s default investment strategy, FirstChoice Lifestage. This fee is reflected in the investment option s daily Unit Price and also includes the large plan fee discounts for the TerryWhite Chemmart superannuation plan.

5 June 2017 Page 5 What other Benefits are available? Potential Home Loan Savings Membership of the corporate plan comes with additional benefits. If you are a member of our superannuation plan, you may have access to Home Loan savings. To find out what special rates and/or offers you may be entitled to, please contact Verum Financial Partners via at: corporatesuper@verumfp.com.au Savings on Private Health Insurance Through the FIRSTBENEFITS program, you can access private health insurance with CBHS Corporate Health and enjoy an 8% discount (1) on health insurance premiums. To access this offer you must be a member of the super fund and click on to the CBHS logo from the FIRSTBENEFITS site. This site can be reached through the on-line access to your super account. Alternatively members can visit the cbhscorporatehealth.com.au/join and enter promo code: CFB8DCCH, or contact the CBHS Member Care Team on and they will help you match an appropriate level of cover to suit your lifestyle. (1) Discount applies to the standard CBHS Corporate Health Insurance premiums as advertised on cbhscorporatehealth.com.au. The percentage discount is reviewed periodically by CBHS and is subject to change. In addition, the FIRSTBENEFITS program will provide members with savings on a range of services and merchandise across the following categories: Travel & accommodation packages, Special deals on Entertainment; and Movie tickets and experiences. Spouse Members can join the fund Your spouse can also join the plan under the MySuper provisions of the fund. Consolidating your Super As you change jobs, chances are you will have super in more than one fund. You re probably receiving several statements and all the while being charged for several sets of fees and costs. You can consolidate and transfer other super into your FirstChoice Employer Super account at any time. All you need to do is call Colonial First State on and they will organise the transfer of your funds into your FirstChoice Employer Super account. Need help finding your Super? You can search for lost super by creating a mygov account which is linked to the ATO, see the link You will then be able to see details of all your super accounts, including the ones that you have lost track of and that are held by the ATO on your behalf. Once your mygov account is set up, you can combine your lost super into your preferred super fund. Staying in touch with your Super Managing and keeping track of your super is simple. Once you join the plan you ll receive confirmation of your membership and receive internet access to your account so you can view and make changes to your account at any time. You will also receive account statements every six months.

6 June 2017 Page 6 Importance of Advice Investing your super wisely is crucial to your financial future, that s why you should consider speaking to a financial adviser. How to contribute tax effectively to your super, how to make an informed investment decision and how to make sure you ve got sufficient insurance cover are all important issues to consider. Verum Financial Partners have been appointed as advisers to the fund and we encourage you to contact them for assistance. In Summary As a result of our growing business, we have secured these group savings and special benefits for all members of our team and we are pleased to offer you membership of our corporate superannuation plan. Benefits that would otherwise not be accessible to you as an individual member. Once you become a member of the fund you keep the benefits and keep your account for life, so you can take your super account wherever you go. If you have any questions or would like further information, please contact either Verum Financial Partners or Colonial First State. Welcome to TerryWhite Chemmart! Important Information The information contained in this document has been prepared by Verum Financial Partners and Colonial First State for TerryWhite Chemmart. It describes features of the TerryWhite Chemmart Corporate Superannuation plan within FirstChoice Employer Super. It is of a general nature only and has been prepared without talking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should consider this information together with the FirstChoice Employer Super Product Disclosure Statement (PDS) and obtain professional advice before acting on the information contained in this publication. Contact Information Colonial First State Name Phone Website Member Services Verum Financial Partners Name Phone Corporate Member Services corporatesuper@verumfp.com.au