AMP Flexible Super 2

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1 AMP Flexible Super Product disclosure statement Personal Super and Retirement account Issued 29 November 2014 Contents: 1. About AMP Flexible Super 1 2. How super works 2 3. Benefits of investing with AMP Flexible Super 2 4. Risks of super 3 5. How we invest your money 3 6. Fees and costs 4 7. How super is taxed 6 8. Insurance in your super 7 9. How to open an account Other information 8 This product disclosure statement (PDS) is a summary of significant information and contains a number of references to important information in fact sheets (each of which form part of this PDS). You should consider that information before making a decision about AMP Flexible Super. Information in the PDS may change from time to time. We may update information which is not materially adverse to you and make it available at amp.com.au/pdsupdates. Call us on or your financial adviser for a free paper copy. The information provided in this PDS is general information only and does not take into account your personal financial situation or needs. You should obtain financial advice tailored to your personal circumstances. This offer is available only to persons receiving (including electronically) the PDS and fact sheets within Australia. 1. About AMP Flexible Super As life changes, your super should too If you re like most of us, you ll want a super fund that s easy to take from job to job and into retirement. AMP Flexible Super offers smart investment options that give you more choice when you need it and good, basic insurance options with higher cover when you have more to protect. And it s easy to manage online. AMP Flexible Super gives you: 3 One fund you can take from job to job and into retirement Whether you re saving for retirement or you re ready to retire, you don t need to change super fund AMP Flexible Super can change with you. 3 Investments that can grow with you From basic low-cost options, including AMP MySuper Balanced, to a wide selection of leading edge investments. Go to amp.com.au/flexiblesuper to view the product dashboard for AMP MySuper Balanced. 3 Simple insurance options you can tailor as your life and needs change As your life changes, you ll have more to protect. Our insurance cover offers two options and you can apply for more cover as you need it. 3 Competitive fees Only pay for what you need. 3 Online and mobile access connect your way Our online My Portfolio service and apps for mobile and tablet mean you can keep an eye on your account and review your AMP investments whenever you want. All from Australia s favourite for super. AMP is already looking after the retirement dreams of 3.5 million Australians and has been rated Australia s favourite super provider 1. AMP Flexible Super is part of a superannuation fund called the AMP Retirement Trust (the fund). AMP Superannuation Limited is the trustee of the fund and is referred to as the trustee, we or our in this PDS. Information about the fund and its executive officers is available from amp.com.au/flexiblesuper and amp.com.au/trusteedetails. Find out more Make sure you read the AMP Flexible Super fact sheets, which have more information about this product. Download a copy at amp.com.au/flexiblesuper or call us for a free copy on , 8.30am to 6.00pm Sydney time, Monday to Friday. Registered trademark of AMP Limited ABN Favourite for super largest market share by assets under management at aggregate level for super. Plan for Life, June 2014.

2 2. How super works Super is one of the best ways to save for retirement. You can access many kinds of investments and enjoy tax benefits you can t get elsewhere. There are ways to help you boost your super, whatever your age. You should read the important information about the different types of contributions, limits on contributions and when you can access your super before making a decision. Go to the getting to know your AMP Flexible Super fact sheet at amp.com.au/flexiblesuper. And because it s normally locked away until you retire, you know it will be there to provide for you in the next exciting stage of your life. The material relating to these matters may change between the time when you read this PDS and the day when you acquire the product. Saving in super Saving in super is partly compulsory and also voluntary. And they both make good sense. 3. Benefits of investing with AMP Flexible Super If you re a salary or wage earner, your employer usually has to make super guarantee contributions. And if you re self-employed, contributing to super not only helps you save for retirement, but also offers you good tax deductions. AMP Flexible Super is designed to keep up with your life you can have a Super account while you re working and a Retirement account when you re heading into retirement. Here s a quick outline of the key benefits: You can choose your own fund or simply use the fund your employer has set up for you. From simple to sophisticated investment options Boosting your super savings There are different types of contributions to help you boost your super. These include salary sacrifice, personal, government and spouse contributions. The Government wants you to save more in super. That s why it provides tax savings and special incentives like: Co-contributions get up to a $500 bonus contribution if you are eligible. Spouse contribution offset don t let your spouse s super fall behind. There s a tax offset of up to $540 if you contribute into your spouse s super. The Government has set tax limits on the contributions that can be made to your super each year. Go to amp.com.au/growyoursuper for more detailed information. You may be able to pay some of your pre-tax salary into super, called salary sacrificing. You can also invest after-tax money and make voluntary contributions. Both are tax-effective ways to invest, but there are restrictions you need to know about (see section 7). Towards retirement The Government has also provided a way to ramp up your super after you reach your preservation age (between 55 and 60 and depends on when you were born). It s called a transition to retirement strategy. The good news is you can use your AMP Flexible Super account and once you re over your preservation age (ie the age when you can access your super) you may be able to put more money into your super without reducing your take-home pay. Go to amp.com.au/ttr to learn more, or talk to your financial adviser. For the long term You can start accessing your super once you reach your preservation age. Once you turn 60 and retire, you can withdraw your super tax-free. You generally can t take money from your super until you retire, except in special circumstances. 2 Core Select Simple choices Choice Sophisticated choices Our Core investment level offers a low-cost simple approach. The Select level may suit you if you want more choices. And our Choice investment level is ideal if you want to be more involved in your investments and take control. LifeStages strategies As you get closer to retirement, you might want to take less risk. Our LifeStages options mean you can sit back and let us make the adjustments for you. This strategy is available in the Select and Choice levels, with the Choice level offering two different LifeStages approaches. Lifestages strategies are only available in a Super account. Only pay for what you use Our fee structure means you only pay for what you use. This means your AMP Flexible Super can be a simple, no-frills, low-cost super account. Or it can be the super which offers you plenty of specialised investment choices plus comprehensive insurance with income protection. It s completely up to you. An easy move into retirement With AMP Flexible Super you can build your lump sum and then pay yourself a pension without closing your account or changing your investments. Nominate your beneficiaries You can nominate one or more of your dependants or your legal personal representative to receive your super and any insured death benefit. If you have a Retirement account, you can also nominate your spouse or de facto to automatically receive your pension when you die.

3 Connect your way You can also choose how you manage your super online through our website or mobile and tablet apps. My Portfolio helps you manage and transact on your AMP accounts so you stay in control. And AMP apps for mobile and tablet bring your investments, insurance and banking together for your convenience, whether you re on the move or on the lounge. Visit amp.com.au/connect. You should read the important information about the benefits of investing with AMP Flexible Super before making a decision. Go to the getting to know your AMP Flexible Super fact sheet at amp.com.au/flexiblesuper. The material relating to the benefits of investing with AMP Flexible Super may change between the time when you read this PDS and the day when you acquire the product. 4. Risks of super All investments have risks so here are a few things you need to know before investing: All markets go up and down, and their values vary. For example, shares usually have bigger ups and downs than interest-earning investments like term deposits. The rate at which values change is called volatility. If you ve invested heavily in one market which is going through a downturn, your balance will fall (and rise) with that market. (Tip: Spread your investments in a few markets to help manage risk). There are no guarantees in investing. Every market and strategy carries different risks. You may lose some of your money at some points. Even bond prices rise and fall. History has shown that investments with the best long-term returns, like shares and property, also show the most shortterm volatility and risk. Inflation is another risk. If you re investing in very safe investments and their returns are less than inflation, your money is losing its buying power. Past performance of an investment is no guide to the future and returns will vary. Super laws change and this can affect things like the amount of tax you might have to pay or when you can access your super. Your super savings and returns might still not be enough to give you the retirement you want. How much risk? How much risk you choose to take on will depend on: your age investment timeframe how your other investments are going, and how comfortable you are with taking risk. You should read the important information about the risks of investing before making a decision. Go to the getting to know your AMP Flexible Super and investing and your options fact sheets available at amp.com.au/flexiblesuper. The material relating to the risks of investing may change between the time when you read this PDS and the day when you acquire the product. 5. How we invest your money When choosing your investment strategy, you must consider: the likely investment returns the risks involved, and your investment timeframe. You can choose from a wide range of investment options within each of these levels: Core investment level Low cost super Choose from a small range of diversified investment options, with their own approach to investing Plus a cash option Super members can choose up to three investment options and retirees can choose two Select investment level Features a range of diversified investment options designed to suit your approach, from the cautious to the aggressive investor Offers Super Easy LifeStages (i) an investment strategy which automatically adjusts to safer, more defensive investments as you get closer to retirement Choose up to five investment options Auto-rebalance option readjusts your portfolio every 3, 6 or 12 months Choice investment level Choose up to 15 investment options from a range of over 70 options from more than 10 fund managers Features balanced and diversified options, term deposits, single and multi-sector options, index options and socially responsible options, with different investment approaches Choice of two LifeStages strategies (i) Super Easy LifeStages or AMP LifeStages Auto-rebalance option readjusts your portfolio every 3, 6 or 12 months (i) LifeStages strategies are only available for the Super account and are not available to retirees. Before deciding, take a look at the range of investment options available under each investment level. Please take a look at the investing and your options fact sheet at amp.com.au/flexiblesuper. We may vary any investment option (including the MySuper product) from time to time. We may also introduce new options, close or terminate existing options. We will notify you of material or significant changes to the investment options, which may be before or after the change. Switching is easy It s easy to change your investment options as life changes. Log on to your secure online account, My Portfolio, or just call Customer Service. You can do this any time and you won t be charged any switching fees. You can also switch via our tablet app. 3

4 4 AMP MySuper Balanced (Super account only) Aim and strategy: To provide moderate to high returns primarily from capital growth with some income over the long term through a diversified portfolio, with a higher exposure to growth assets (such as shares and property). The exposure to the different sources of risk and return will typically be through index exposure to a range of traditional listed markets. This investment option s asset allocation is actively managed to take advantage of long-term under and over-valuations between asset classes. This investment option aims to achieve a rate of return above the Consumer Price Index of 4.0%, after fees and superannuation tax, over a 10-year period. International investments may be partially or fully hedged back to Australian dollars. Subject to certain conditions, the underlying investments may use derivatives (such as options, futures, forwards and swaps) and engage in short selling. The performance benchmark is the average weighted return of the benchmark indices used for each asset class. Suggested minimum investment timeframe: 10 years Standard Risk Measure: 1 5 Medium to high AMP MySuper Balanced Asset class Benchmark (%) (i) Ranges (%) (ii) International shares Australian shares High yield credit Listed property Listed infrastructure International fixed interest Australian fixed interest Cash (i) The percentage of this class of assets the investment manager aims to hold. (ii) Allocations may be temporarily outside these benchmarks and ranges as part of the day-to-day fund management. Super Easy Balanced Here is an investment option if you ve retired. You will need to choose your investments when you open your Retirement account. Aim and strategy: To provide moderate to higher returns primarily from capital growth with some income over the long term by investing across the main asset classes, with higher exposure to growth assets. Exposure to individual asset classes will be attained through the use of index-focussed investment managers. This investment seeks to provide an index-focussed solution to diversified investing. Through a process of diversified market analysis combined with selection of the most appropriate investment managers for each underlying asset class, this investment is designed to provide market-tracking returns over the suggested investment timeframe. (Index-style investment approach) Suggested minimum investment timeframe: 5 to 7 years Standard Risk Measure: 1 5 Medium to high Super Easy Balanced Asset class Benchmark (%) (i) Ranges (%) (ii) International shares Australian shares Alternative assets (growth) 0 20 Listed property 0 10 Total growth International fixed interest 0 20 Australian fixed interest 0 20 Cash 0 20 Total defensive (i) The percentage of this class of assets the investment manager aims to hold. (ii) Allocations may be temporarily outside these benchmarks and ranges as part of the day-to-day fund management. You should read the important information about how we invest your money before making a decision. Go to the investing and your options fact sheet available at amp.com.au/flexiblesuper. The material relating to how we invest your money may change between the time when you read this PDS and the day when you acquire the product. 1 Based on industry guidance to allow investors to compare investment options. Refer to investing and your options fact sheet for an explanation of the Standard Risk Measure. 6. Fees and costs Did you know? 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 account 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. Your employer may be able to negotiate to pay lower administration fees. Ask the fund or your financial adviser. To find out more If you would like to find out more, or see the impact of fees and costs based on your own circumstances, the Australian Securities and Investments Commission (ASIC) website moneysmart.gov.au has a superannuation fee calculator to help you check out the different fee options. The following table shows fees and other costs for AMP MySuper Balanced (Super account only) and the Super Easy Balanced options which may be paid direct from your account or deducted from investment returns. You can use the information to compare costs between different super products. AMP MySuper Balanced is an investment option for those who don t make a choice, and will help you compare with similar investments. Super Easy is an example of one of our more popular investments in the Core investment level, whether you are saving for, or in, retirement.

5 AMP Flexible Super Type of fee Amount How and when paid AMP MySuper Balanced (Super account) Super Easy Balanced (Retirement account) Investment fee 0.15% pa 0.66% pa (management fee (i) ) less management fee rebate if it applies Deducted daily from the investment option and reflected in the unit price Administration fee 0.50% pa Deducted daily from the investment option and reflected in the unit price plus MySuper member fee (ii) $1.95 per week Member fee (ii) $1.64 to $2.75 per week depending on the investment level Deducted monthly directly from your account Buy-sell spread Nil Nil N/A Switching fee Nil Nil N/A Exit fee $36 (ii) Nil (iii) Deducted from your account on full or partial withdrawal from the fund Advice fees Nil Nil N/A relating to all members investing in a particular MySuper product or investment option Other fees and costs (iv) 0 to 0.20% per transaction (v) 0 to 0.10% per transaction (v) An additional cost reflected in the calculation of the unit price of the investment option plus Deducted from your account Personal advice fees if agreed with a financial adviser plus insurance fees if you have insurance cover (for Super accounts only) Deducted monthly from your account Indirect cost ratio Nil Nil N/A (i) The Federal Government has introduced Stronger Super, a program of changes designed to streamline and strengthen Australia s superannuation system. The management fee includes 0.01% pa to help cover the costs associated with implementing these changes. This amount is expected to be removed from the management fee by 1 November (ii) Member fees and the MySuper exit fee increase on 1 July each year in line with the Consumer Price Index. (iii) GIO members transferred to an AMP product a withdrawal fee (special exit fee) may apply if you transfer to a Retirement account. This will be shown on your last member statement. This fee is charged whenever you withdraw a lump sum from your Retirement account. (iv) Other fees, such as insurance premiums and adviser fees for personal advice may also apply. (v) Transaction costs are estimated and change on a regular basis, without notice. For full details of fees, including definitions and options, take a look at the getting to know your AMP Flexible Super and investing and your options fact sheets at amp.com.au/flexiblesuper or talk to your financial adviser. Changing the fees We can change existing fees at any time. We will notify you at least 30 days before we increase existing fees (other than indexation increases described in the table above). For more information about fee changes, refer to the getting to know your AMP Flexible Super fact sheet. Example of annual fees and costs for a MySuper product This table gives an example of how the fees and costs for AMP MySuper Balanced in this superannuation product can affect your superannuation investment over a one-year period. You should use this table to compare this superannuation product with other superannuation products. AMP MySuper Balanced Balance of $50,000 Investment fees 0.15% pa For every $50,000 you have in the AMP MySuper Balanced option you will be charged $75.00 each year Plus Administration fees Plus Indirect costs for the MySuper product 0.50% pa + $1.95 per week ($ per year) Nil and you will be charged $ per year and, indirect costs of $0 each year will be deducted from your investment 5

6 AMP MySuper Balanced (continued) Balance of $50,000 Equals Cost of product If your balance was $50,000, then for that year you will be charged fees of $ (i) for the AMP MySuper Balanced option (i) Additional fees may apply. And, if you leave the superannuation product or make a partial withdrawal, you will also be charged an exit fee of $36 (as at 1 July 2014). The amount you actually pay for your Super account is reduced by 15% to allow for the tax deductions passed on to you. Taking into account the deductions, the actual amount you pay is $ $ = $ Example of annual fees and costs for a balanced investment option This table gives an example of how the fees and costs for Super Easy Balanced in this superannuation product can affect your superannuation investment over a one-year period. You should use this table to compare this superannuation product with other superannuation products. Super Easy Balanced, Choice investment Balance of $50,000 level, Retirement account Investment fees 0.66% pa For every $50,000 you have in the Super Easy Balanced option you will be charged $ each year Plus Administration fees $2.75 per week ($ per year) and you will be charged $ in administration fees regardless of your balance Plus Indirect costs Nil and, indirect costs of $0 each year will be deducted from your investment Equals Cost of product If your balance was $50,000, then for that year you will be charged fees of $ (i) for the Super Easy Balanced option (i) Additional fees may apply. Please note that you may have to pay additional fees to your financial adviser if you consult one. Please refer to the statement of advice you will be given by your financial adviser for details of any advice fees. You should read the important information about fees and costs before making a decision. Go to the getting to know your AMP Flexible Super and the investing and your options fact sheets available at amp.com.au/flexiblesuper. The material relating to fees and costs may change between the time when you read this PDS and the day when you acquire the product. 7. How super is taxed Super offers tax benefits to encourage you to save for retirement. Your super is usually taxed at three points: When adding to your super (ie a contribution). Earnings in your super. When making a withdrawal. Tax on contributions When paid/type Description Rate Concessional contributions Employer contributions Any pre-tax contribution with tax deduction claimed Non-concessional contributions After-tax contributions with no tax deduction claimed After-tax contributions with tax deduction claimed From pre-tax income Cap of $30,000 (ii) a year Cap is $35,000 a year if over age 49 (as at 1 July 2014) Up to 15% (i) Cap of $180,000 (ii) Nil a year Tax applies if Three-year rule contributions are allows up to made above these $540,000 (ii) in caps (see below) one year over a three-year period Same caps as Up to 15% (i) non-concessional contributions (i) Individuals with income and certain contributions for an income year totalling $300,000 or more will be liable for an additional tax of 15% on the lesser of the excess over $300,000 and the contributions. This is in addition to contributions tax and is taxed by the Australian Taxation Office direct to the member. This may be paid from your Super account balance. (ii) As at 1 July The Government has introduced a budget repair tax of 2% for those on incomes over $180,000, until 30 June 2017, which will increase the tax rates set out in this section. Contribution tax is paid to the Australian Taxation Office (ATO) monthly. We deduct the amounts from your account quarterly, or earlier if your account is closed. This frequency might change to monthly to match payments to the ATO. Tax above the caps (excess contributions) If you contribute more than the concessional caps outlined in the table above, you will be subject to excess contribution tax at your marginal tax rate plus Medicare levy plus an interest charge levied by the ATO. For non-concessional contributions, there is currently an excess tax of 45% plus Medicare levy. Tip: Keep an eye on contributions to all your super funds to avoid exceeding the caps. We do not monitor super contributions made to your account against the caps. 6

7 Tax on earnings Investment earnings on your Super account are taxed up to 15%. This tax is deducted before the investment return is declared. There is no tax on investment earnings on your Retirement account. Tax on withdrawals The good news is there is no tax on withdrawals if you are age 60 and over. How your benefit is taxed will depend on your age, how you take your benefit and the different parts, some of which will be taxfree and some taxable. The amount of tax payable on the taxable component is outlined below: Age Pension Lump sums Aged 60 and over Taxed element: tax-free. No income tax charged. Taxable component: tax-free. Payout not included Untaxed element: in assessable included in income. assessable income. 10% tax offset available. Aged 55 to 59 No tax on withdrawals from tax-free portion. Taxable component: included in assessable income. 15% tax offset applies. First $185,000: tax-free. Amounts above: 17% (includes the Medicare levy). Under age 55/early release Each early release case has its own conditions and tax treatment. Those suffering a terminal illness normally take their money as a lump sum (taxed element is taxed up to 22% including Medicare levy) and those claiming their super for temporary incapacity can only receive this money as an income stream. You should read the important information about how super is taxed before making a decision. Go to the getting to know your AMP Flexible Super fact sheet available at amp.com.au/flexiblesuper. The material relating to how super is taxed may change between the time when you read this PDS and the day when you acquire the product. Providing your tax file number If we don t have your tax file number (TFN), we have to deduct more tax from your super and reject certain types of contributions. By providing us with your TFN, you ll only get taxed at super s tax-effective rates. Your TFN can also help us track down any super you ve lost track of, and allow us to accept after-tax contributions. Tip: Check your statement or call us to see if we have your TFN. If we don t, contact us today to avoid paying extra tax. 8. Insurance in your super Important: Insurance is only available in a Super account. Insuring through your super is generally a tax-effective way to cover you and your loved ones. Firstly, let s look at the type of cover available through AMP Flexible Super: Type of cover Death cover Total and Permanent Disablement (TPD) or Permanent Incapacity cover Temporary Incapacity cover (available in Super Protection) Description Pays a lump sum amount if you die. Includes a number of features, including Terminal Illness/Terminal Medical cover. Pays a lump sum amount if you become totally and permanently disabled or permanently incapacitated. Pays a monthly amount of up to 75% of your income if you become temporarily incapacitated. For insurance definitions refer to our insurance fact sheet. Insurance levels AMP Flexible Super offers two options for insurance cover: Essential Protection Simple cover up to $250,000 Death TPD Super Protection Higher cover available and more flexible features Death Permanent Incapacity Temporary Incapacity The ability to obtain insurance cover is subject to the eligibility criteria, and certain conditions and exclusions, set out in the insurance fact sheet which you should read before deciding whether the insurance is appropriate. Why insure through super? Insuring through your super can help you with: Cash flow pay directly from your Super account, so you don t have to dip into your take-home pay. Tax-effectiveness pay for your insurance using super s tax-friendly environment. Costs of insurance There are costs for insurance, known as premiums. The cost of your cover depends on: the amount and type of cover age gender occupation state of health pastimes smoking habits, and any extra options you may want to add. 7

8 You can obtain an indicative quote from your financial adviser or by contacting us. If we accept your application, the cost of your premium will be shown in the confirmation letter we send you. Premiums will be deducted from your Super account at the start of each month unless you cancel your cover. Please note that Essential Protection is available up to age 65. To give you an indication of how much Super Protection may cost, here is an example. The exact premium you will be charged will depend on the factors outlined above and will need to be tailored for you. 8 Example Matt is age 40, non-smoker, who works as a qualified accountant in a NSW office. He chooses Super Protection, as he wants some Temporary Incapacity cover (income protection) and applies for: Death cover: $300,000 Permanent Incapacity cover: $300,000 Temporary Incapacity cover: $4,500 per month 1 1 Thirty-day waiting period, two-year benefit period. Matt will pay a premium of $78.50 per month. Premiums increase every year and we can change them anytime. Applying for and changing insurance To apply for or change your insurance, talk to us. You ll need to apply and you ll be asked to provide personal details and, if applying for Super Protection, all the details regarding your health. To get an application form: Go to amp.com.au/flexiblesuper. Call us on , 8.30am to 6.00pm Sydney time, Monday to Friday. Ask your financial adviser. You can cancel your insurance cover at any time by writing to us. Please note: It s important to disclose everything about your health, so we can provide an accurate quote/premium, ensure you are covered and any claim is accepted and processed quickly. You should read the important information about insurance in your super before making a decision. Go to the insurance fact sheet available at amp.com.au/flexiblesuper. The material relating to insurance in your super may change between the time when you read this PDS and the day when you acquire the product. 9. How to open an account You can open an AMP Flexible Super account online - it s quick and easy. Just go to amp.com.au/flexiblesuper/howtoapply You can also apply in one of the following ways: 1. Speaking to your financial adviser. 2. Downloading an application form from amp.com.au/flexiblesuper. 3. Calling us on , 8.30am to 6.00pm Sydney time, Monday to Friday. Cooling-off period If you change your mind about investing in this product, you can exercise your cooling-off rights by contacting us. There s a limited time to do this, which is within 14 days of the earlier of: the date you receive our welcome letter, or five business days after the date shown on our welcome letter. Please note, if you exercise any rights in relation to your account, you waive your right to exercise your cooling-off rights. The amount we refund or transfer may be less than the amount invested. We ll transfer your money to a complying fund you nominate in writing within one month of you informing us you ve changed your mind. We can give you a direct refund if you re entitled to draw on your super. Enquiries and complaints We re here to help. If you need help with your account simply contact our Customer Service team. If you re looking for more information, download our fact sheets from amp.com.au/flexiblesuper, access your secure online account on My Portfolio, or ask your financial adviser. If you have an enquiry or are unhappy about any aspect of your account or our service, please contact AMP Customer Service: askamp@amp.com.au phone , 8.30am to 6.00pm Sydney time, Monday to Friday mail Customer Service AMP Life Limited PO Box 300 PARRAMATTA NSW 2124 web amp.com.au/flexiblesuper My Portfolio amp.com.au/connect You should read the important information about the coolingoff period and enquiries and complaints process before making a decision. Go to the getting to know your AMP Flexible Super fact sheet available at amp.com.au/flexiblesuper. The material relating to the cooling-off period and enquiries and complaints process may change between the time when you read this PDS and the day when you acquire the product. 10. Other information You should read the important information about privacy (including about our collection of your personal information to establish and manage your AMP Flexible Super account and for related purposes, such as providing you with information about other AMP financial services), and information about the AMP companies involved in this product. You should read the important information about AMP and your privacy and the relationship between the trustee and other service providers before making a decision. Go to the getting to know your AMP Flexible Super fact sheet available at amp.com.au/flexiblesuper. The material relating to AMP and your privacy and the relationship between the trustee and other service providers may change between the time when you read this PDS and the day when you acquire the product. Issued by AMP Superannuation Limited ABN , AFSL No , the trustee of the AMP Retirement Trust ABN NS /14