Starting a regular contribution plan (and Direct Debit Request) Newcastle Permanent Superannuation Plan Superannuation Division

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1 Starting a regular contribution plan (and Direct Debit Request) Newcastle Permanent Superannuation Plan Superannuation Division When you invest in the Superannuation Division of the Plan, the Trustee will also accept regular contributions on your behalf. This form allows you, your employer or your spouse, to make regular contributions by direct debit from a nominated bank account, building society, credit union or cash management trust account. This form also allows you to change your regular contributions. The Trustee of the Plan is the holder of Direct Debit User ID Number under which it is authorised to debit your nominated bank account in accordance with this Direct Debit Request. Note that you must have provided your Tax File Number (TFN) to the Plan before you can make after-tax contributions. If your TFN has not been provided, these contributions cannot be accepted by the Plan and will be returned to you. Employer and salary sacrifice contributions, and contributions for which you are claiming a tax deduction will be accepted by the Plan, however these will be subject to additional contributions tax unless your TFN is provided. You should refer to the current Product Disclosure Statement for the Superannuation Division of the Newcastle Permanent Superannuation Plan (PDS). If you require a copy of the current PDS, you can call the Plan s Superannuation Helpline on to request a copy or visit the Plan s website at: where a copy can be downloaded. Step 1 Complete your personal details Please print in black or blue pen, in uppercase, one character per box. A Title Mr Mrs Ms Miss Date of birth / / Given names Surname Street address Suburb State Postcode Telephone Mobile - - Membership number (if known) Step 2 Specify your contribution amount Effective Date Frequency of contribution / / Monthly Quarterly Please tick the preferred date for direct debit payments 10th or 20th (please tick one box only) Please indicate the type of contributions that you will be making Amount # (minimum $100 per month or $300 per quarter)* Personal Employer Spouse Salary Sacrifice $,. (After tax Salary) (Before tax Salary) If you intend to claim a tax deduction for this contribution because you are substantially self employed, there are specific criteria that must be met. Please refer to the Notice of intent to claim or vary a deduction for personal super contributions form (which can be found at If you re unsure of the type of contribution you are making or whether you will be claiming a tax deduction, we recommend that you contact a licensed, or appropriately authorised, financial adviser. # Legislative limits apply to the amount of concessional and non-concessional contributions that can be made to the Plan. If your contribution exceeds those limits, additional tax will apply. * Unless a lower regular contribution has been negotiated with NPBS before you join the Plan.

2 Step 3 Employer Details Only complete this step if Contributions are being made by your employer. Name Unit Number Street Number PO Box Number ACN Street address Suburb State Postcode Telephone Fax - - Membership number (if known) Date you commenced employment with this employer / / Step 4 Complete this section to provide your nominated Financial Institution details or ask your employer to complete this section where your employer is making contributions for you. You should read the Direct Debit Request Service Agreement over the page before completing this section of the form, and keep a copy of the Agreement for your records. Surname First Name(s) request you, until further notice in writing, to debit my/our account, described in the schedule below, with any amounts which Mercer Investment Nominees Limited as Trustee for the Newcastle Permanent Superannuation Plan may debit or charge me/us through the Direct Debit Request. I understand and acknowledge that Mercer Investment Nominees Limited may in its absolute discretion: 1. Determine the order of priority of payments by it or any monies paid pursuant to this request or any authority or mandate. 2. At any time by notice in writing to me/us terminate this request as to future debits. 3. Agree to provide not less than 14 days notice if it proposes to vary these arrangements. The Schedule Direct debiting is not available on the full range of accounts. If in doubt, please refer to your financial institution. Details of the account to be debited: Name of Account Name of Financial Institution Branch name of Financial Institution Address of Financial Institution Account Number Branch number (BSB) -

3 Step 4 continued To action your direct debit request the signatures of all account holders are required if you have a joint financial institution account: Signature Signature Date / / Date / / Your Privacy We collect, use and disclose personal information about you in order to manage your superannuation benefits and give you information about your super. We may also use it to supply you with information about the other products and services offered by us and our related companies. If you do not wish to receive marketing material, please contact us on Our Privacy Policy is available to view at or you can obtain a copy by contacting us on If you do not provide the personal information requested, we may not be able to manage your superannuation. We may sometimes collect information about you from third parties such as your employer, a previous super fund, your financial adviser, our related entities and publicly available sources. We may disclose your information to various organisations in order to manage your super, including your employer, the fund s administrator, our professional advisors, insurers, our related companies which provide services or products relevant to the provision of your super, any relevant government authority that requires your personal information to be disclosed, and our other service providers used to assist with managing your super. In managing your super your personal information will be disclosed to service providers in another country, most likely to our administrator s processing centre in India. Our Privacy Policy lists all other relevant offshore locations. Our Privacy Policy sets out in more detail how we deal with your personal information and who you can talk to if you wish to access and seek correction of the information we hold about you. It also provides detail about how you may lodge a complaint about the way we have dealt with your information and how that complaint will be handled. If you have any other queries in relation to privacy issues, you may contact us on or write to our Privacy Officer, GPO Box 4303, Melbourne, VIC, 3001.

4 Step 5 Sign the form Members By signing this form I: acknowledge that this direct debit arrangement (if applicable) is governed by the terms of the Direct Debit Request Service Agreement (DRSA) which I have read and understood and agree to be bound by have read and understood this form and my obligations under it and the DRSA agree to be bound by the terms and conditions of the Regular Contributions Plan as set out in the latest PDS and the DRSA understand that any after-tax contributions cannot be accepted if I have not provided my TFN to the Plan acknowledge that where the Trustee is unable to accept certain contributions made by me, or on my behalf, then those contributions will be returned by the Trustee to me or the person or organisation (including my employer) who made the contribution on my behalf and any such contribution will not be added to my account balance understand that the repayment of capital and the investment returns of the Plan are not guaranteed by the Trustee nor any worldwide member of Marsh & McLennan Companies, Incorporated acknowledge that the Trustee of the Plan enters into this agreement in a personal capacity and not its trustee capacity declare information I have provided in this form is correct at this time. understand and consent to my information being collected, disclosed and used in the manner set out in this form. The terms and conditions of the Regular Contribution Plan are set out in the PDS. A copy of the PDS can be obtained by calling the Plan s Superannuation Helpline on or by visiting the Plan s website at: Signature of Member Signature of Spouse (if applicable) Employers By signing this form I: acknowledge that this direct debit arrangement (if applicable) is governed by the terms of the Direct Debit Request Service Agreement (DRSA) which I have read and understood and agree to be bound by have read and understood this form and my obligations under it and the DRSA agree to the terms and conditions of the Regular Contributions Plan as set out in the latest PDS and the DRSA understand that the repayment of capital and the investment returns of the Plan are not guaranteed by the Trustee nor any worldwide member of the Marsh & McLennan Companies, Incorporated. declare information I have provided in this form is correct at this time. understand and consent to my information being collected, disclosed and used in the manner set out in this form. The terms and conditions of the Regular Contribution Plan are set out in the PDS. A copy of the PDS can be obtained by calling the Plan s Superannuation Helpline on or by visiting the Plan s website at: Signature of Employer Please return your completed form to The Plan Administrator, Newcastle Permanent Superannuation Plan, GPO Box 4303, Melbourne, VIC Issued by Mercer Superannuation (Australia) Limited (MSAL) ABN , AFSL , as Trustee of the Newcastle Permanent Superannuation Plan ABN

5 Direct debit request service agreement 1. Debiting your account 1.1 By signing a direct debit request, you have authorised us to arrange for funds to be debited from your account. You should refer to the direct debit request and this agreement for the terms of the arrangement between you and us. You should not sign a direct debit request (or if you have already done so prior to receipt of this agreement, you should let us know that you wish it to be revoked) unless you have read and understood this agreement and agree to be bound by its terms. It is your responsibility to ensure that the authorisation given to draw on the nominated bank account is identical to the signing instructions which apply to that account. 1.2 We will only arrange for funds to be debited from your account as authorised in the direct debit request. 1.3 If the debit day falls on a day that is not a business day we will direct your financial institution to debit your account the following business day. 2. Changes by us 2.1 We may vary any details of this agreement or a direct debit request at any time by giving you at least fourteen (14) days notice. 3. Changes by you 3.1 Subject to 3.2 and 3.3, you may change the arrangements under the direct debit request by contacting us (see below for contact details), or through your nominated financial institution. 3.2 If you wish to stop or defer a debit payment you must notify us in writing at least ten (10) business days before the next debit day. This notice should be given to us in the first instance even if you make this change through your nominated financial institution. 3.3 You may also cancel your authority for us to debit your account at any time by giving us the (10) business days notice in writing, before the next debit day. This notice should be given to us in the first instance even if you make this change through your nominated financial institution. 4. Your obligations 4.1 It is your responsibility to ensure that there are sufficient clear funds available in your account to allow a debit payment to be made in accordance with the direct debit request. 4.2 If there are insufficient clear funds in your account to meet a debit payment: (a) you may be charged a fee and/or interest by your financial institution; (b) you must arrange for the debit payment to be made by another method or arrange for sufficient clear funds to be in your account by an agreed time so that we can process the debit payment. 4.3 You should check your account statement to verify that the amounts debited from your account are correct. 4.4 Advise us if the account nominated by you, to receive the direct debit is altered, transferred or closed. 4.5 You should also be aware of your obligations under clause 6 of this agreement. 5.Dispute 5.1 If you believe that there has been an error in debiting your account you should notify us directly by contacting us (see below for contact details). 5.2 If we conclude as a result of our investigations that your account has been incorrectly debited we will respond to your query by requesting your financial institution to adjust your account (including interest and charges) accordingly. We will also notify you in writing of the results of our investigation. 5.3 If we conclude as a result of our investigations that your account has not been incorrectly debited we will respond to your query by providing you with the results of our investigation. 5.4 Any queries you may have about an error made in debiting your account should be directed to us in the first instance so that we can attempt to resolve the matter between you and us. If we cannot resolve the matter you can still refer it to your financial institution which will obtain details from you of the disputed transaction and may lodge a claim on your behalf. 6. Accounts 6.1 You should check: (a) with your financial institution whether direct debiting is available from your account as direct debiting is not available on all accounts offered by financial institutions; (b) your account details which you have provided to us are correct by checking them against a recent account statement; and (c) with your financial institution before completing the direct debit request if you have any queries about how to complete the direct debit request. 6.2 You should ensure you comply with clause 6.1 above, as we shall not be liable to you for any loss or damage you may suffer as a result of you providing us with incorrect details of your account (or other incorrect information) in the direct debit request. You will indemnify us should we suffer any loss or damage as a result of incorrect details or information provided by you. This indemnity is a continuing obligation, separate and independent from your obligations and survives termination of this agreement. 7. Frequency options 7.1 Direct debits can be effected: Monthly - The direct debit is made on 10th or 20th of each month. Quarterly - The direct debit is made on 10th or 20th for the months of September, December, March, and June of each year.

6 8. Confidentiality 8.1 We will keep any information (including your account details) in your direct debit request confidential. We will make reasonable efforts to keep any such information that we have about you secure and to ensure that any of our employees or agents who have access to information about you do not make any unauthorised use, modification, reproduction or disclosure of that information. 8.2 We will only disclose information that we have about you: (a) to the extent specifically required by law; or (b) for the purpose of this agreement (including disclosing information in connection with any query or claim). 9 Notice 9.1 If you wish to notify us in writing about anything relating to this agreement you should write to The Plan Administrator, Newcastle Permanent Superannuation Plan, GPO Box 4303, Melbourne Vic We will notify you by sending a notice in the ordinary post to the address you have given us in the direct debit request. 9.2 Any notice will be deemed to have been received five business days after it is posted. Contact details Plan Administrator Newcastle Permanent Superannuation Plan GPO Box 4303, Melbourne VIC 3001 Telephone: Facsimile: Service agreement definitions account means the account held at your financial institution from which we are authorised to arrange for funds to be debited. agreement means this Direct Debit Request Service Agreement between you and us. business day means a day other than a Saturday or a Sunday or a public holiday listed throughout Australia. debit day means the day that payment by you to us is due. debit payment means a particular transaction where a debit is made. direct debit request means the Starting a regular contribution plan in the Newcastle Permanent Superannuation Plan-Direct Debit Request between you and us. us or we means, the Trustee of the Newcastle Permanent Superannuation Plan who you have authorised by signing a direct debit request. you means the person or persons (other than us) named in the direct debit request and signatories to this agreement. If there are more than one, you means each of them separately and every two or more of them jointly. You includes your successors and assigns. your financial institution is the financial institution where you hold the account that you have authorised us to arrange to debit