Product Disclosure Statement 1st June 2018 - Version 1.1 Contents 1. About Spitfire Super 2. How super works 3. Benefits of investing with Spitfire Super 4. Risk of super 5. How Spitfire invests your money 6. Fees and costs 7. How superannuation is taxed 8. Insurance in your super 9. How to open an account? 2 2 3 3 4 5 7 7 8 Spitfire Super Administrator OneVue Super Services Pty Limited Promoter & Investment Manager Spitfire Asset Management Pty Ltd Trustee Equity Trustees Superannuation Limited Mail: Phone: Email: Website: ABN: AFSL: PO Box 1282, Albury NSW 2640 1800 572 141 super@spitfire.io www.spitfire.io/super Mail: Phone: Email: Website: L20 207 Kent Street, Sydney, NSW 2000 (02) 7200 2000 super@spitfire.io www.spitfire.io/super 74 006 877 872 ABN: 94 605 492 635 246883 AFS Representative No. 001008997, a Corporate Authorised Representative of CIP Licensing Limited (AFSL 471728) Mail: Phone: Fund: GPO Box 2307, Melbourne, Victoria 3001 (03) 8623 5000 The Executive Superannuation Fund RSE Registration R1001419 Unique Super Identifier ( USI ) 60998717367011 This Product Disclosure Statement ( PDS ) for Spitfire Super is issued by Equity Trustees Superannuation Limited ABN 50 055 641 757, AFSL 229757, RSE License L0001458, as Trustee for The Executive Superannuation Fund ABN 60 998 717 367 ( the Fund ), of which Spitfire Super is a part. This PDS is for general information purposes only and is not intended to be relied on alone for the purpose of making an investment decision or other decisions pertinent to your investment in Spitfire Super. It has been prepared without taking account of the objectives, financial situation and needs of any particular person. You should also consider obtaining professional advice before making decisions regarding your investment in Spitfire Super, to determine if they are appropriate to your needs. The Trustee reserves the right to vary the benefits, the insurer and insurance related costs at any time. This PDS is a summary of significant information and contains a number of references to important information ( Guides ) each of which forms part of the PDS, available from www.spitfire.io/super. The terms of the trust deed governing Spitfire Super and the Fund have precedence over anything in the PDS and the Guides. You should consider both the information in this PDS and associated Guides before making a decision about the product. Information in this PDS and the associated Guides may change from time to time. Where the change is made to information that is not materially adverse information, we will make the updated information available at www.spitfire.io/super.
1. About Spitfire Super Spitfire Super is a part of the super fund known as The Executive Superannuation Fund ( the Fund ), which was established by a trust deed dated 14 June 1976, a copy of which is available at http://www.eqt.com.au/corporateand-employer-super/eqt-registrable-superannuationentity-disclosures. Spitfire Super s objective is to make managing your superannuation effortless. You can consolidate your superannuation at the touch of a button, which can save on fees, which may in turn assist to improve long term performance. Spitfire Super s is designed so that you can view your superannuation portfolio and its performance at your convenience. Spitfire Super provides superannuation services to individuals in the accumulation phase of the superannuation cycle who want to choose the superannuation product they participate in. Spitfire Super provides members with five diversified investment options ( Core Investment Options ) constructed for individuals with different risk tolerances: Conservative, Moderately Conservative, Balanced, Growth and High Growth. Equity Trustees Superannuation Limited is Spitfire Super s Trustee, and Spitfire Super s Administrator is OneVue Super Services Pty Limited. Spitfire Asset Management Pty Ltd is the Investment Manager and Promoter for Spitfire Super. The trustee and executive remuneration disclosures for the Fund and any other documents which must be disclosed in accordance with the superannuation regulations (from the date required by legislation) can be accessed by visiting the Spitfire Super website www.spitfire.io/super or at the Trustee s website at www.eqt.com.au/corporate-andemployer-super/eqt-registrable-superannuation-entitydisclosures. 2. How super works About superannuation Superannuation ( super ) is a means of saving for retirement on a regular basis, which is (in part) compulsory for most employees. It is a long-term investment. Tax concessions and other government benefits generally make it one of the best long term investment vehicles. Contributions Most Australian employers are required by Government legislation to contribute 9.5% (gradually increasing to 12% in the future) of an employee s ordinary time earnings to a superannuation fund nominated by the employee or, if an employee does not nominate a fund, to the employer s default fund. These compulsory contributions are referred to as Superannuation Guarantee ( SG ) contributions. There are other types of contributions that can be made towards superannuation including additional employer contributions (for example, salary sacrifice contributions), voluntary personal contributions and government co contributions. There are limitations on the contributions to superannuation. These limitations apply to all superannuation funds. You may be entitled to select an alternative superannuation entity under the Choice of fund laws for your employer s SG contributions by completing a Standard Choice Form. Where applicable, your employer will provide you with a Standard Choice Form upon commencing employment, or if you request one, and have not requested such a form from your employer in the previous 12 months. If you become a member, you can access a Standard Choice Form from your online account if you would like to choose Spitfire Super for your employer s SG contributions. It s important you take an interest in your super and help it grow into a healthy retirement nest egg. Further information about Choice of fund is available from your employer or the Australian Taxation Office ( ATO ) website (www.ato.gov.au). Withdrawals There are limitations on withdrawals from superannuation, applicable to all superannuation funds. You can access your superannuation savings once you retire on or after reaching your preservation age or in other circumstances permitted by law (for example, death, permanent incapacity and financial hardship), called conditions of release. The conditions of release for temporary residents vary from those applicable to Australian citizens, New Zealand citizens or permanent residents of Australia. There are certain circumstances in which the Trustee must transfer superannuation benefits to the ATO (for example, lost accounts of unidentifiable members or below a certain amount, unclaimed benefits on or after age 65 and unclaimed benefits of former temporary residents). General information about super is available from www. moneysmart.gov.au and www.ato.gov.au. Members at retirement age, or starting to plan for their retirement, have a number of options available. Depending on your circumstances, members who meet eligibility criteria can take their money as a lump sum or commence a superannuation pension through the Fund. General information about retirement is available from www. moneysmart.gov.au For more information about how super works, refer to the Reference Guide available by visiting www.spitfire. io/super or by contacting us via email at super@ spitfire.io or by calling us on 1800 572 141. You should read this important information about how super works before making a decision. The information relating to how super works may change between the time you read this PDS and the day you acquire this product. 2
3. Benefits of investing with Spitfire Super Members of Spitfire Super have an accumulation style account, which means any contributions made to Spitfire Super accumulate over time with any investment earnings after taking into account any fees, costs or other charges (e.g. insurance costs or taxes). The Trustee invests your account balance according to the Investment Option you select. You must choose how you would like your account balance invested from our five Investment Options. You can switch between the different investment options at any time, however there may be switching fees payable please refer to Section 6 of this PDS for more information. Your super will increase with positive investment returns and decrease if there are negative investment returns. There are no minimum contributions or investment amounts required, and Spitfire Super is able to accept contributions to your account from any employer. Death only, Death and TPD and Income Protection insurance cover may also be available to eligible members, at competitive rates. Refer to Section 8 of this PDS and the Insurance Guide for more information. When a member retires, or meets some other legislative condition for payment of their superannuation such as permanent incapacity, death or financial hardship, their account is payable in one or more lump sums. You can, usually, transfer superannuation in or out of Spitfire Super. No minimum withdrawal is required. Refer to the Reference Guide for more information about transferring superannuation out of Spitfire Super. Other significant features and benefits of this product are: access to our multi-asset portfolios managed by an experienced investment team. There are five options catering to members different risk appetites: Conservative, Moderately Conservative, Balanced, Growth and High Growth. access to your online account which enables you to view and transact on your account and obtain information electronically. Spitfire Super gives members a number of online options including online confirmation of transactions, nominating a non-binding beneficiary and choosing an investment option. Note: additional fees may apply to manual transactions. paperless rollover/consolidation through your online account. investment earnings are passed on to members after allowing for relevant fees, costs and taxes through the calculation of daily unit prices. binding death benefit nominations are available. BPay is available for personal contributions. members can retain their external financial adviser to help them make financial decisions in relation to Spitfire Super including the selection of their investment portfolio. eligible members can transfer existing insurance cover to your Spitfire Super account without providing full evidence of health (terms and conditions apply, see the Insurance Guide). your personal information is handled in accordance with our Privacy statement. It is a condition of membership of this product that you provide us with your email address and mobile number and keep these details up to date. As this product, as far as possible, is paperless or electronic, if we are not able to contact you electronically (for example, by email or SMS) you may not be able to remain a member and will be transferred to our nominated eligible rollover fund. Changing jobs? You can keep your Spitfire Super account and all the benefits you enjoy as a member; provided you complete and give a Standard Choice Form to a new employer that is subject to Choice of fund requirements. This can be done and completed online through your online account. For more information, please go to www.spitfire.io/super or by contacting us via email at super@spitfire.io or by calling us on 1800 572 141. For more information about the benefits and features of this product, refer to the Reference Guide available by visiting www.spitfire.io/super or by contacting us via email at super@spitfire.io or by calling us on 1800 572 141. You should read this important information about the benefits and features of this product before making a decision. The information relating to the benefits and features of the product may change between the time you read this PDS and the day you acquire this product. 4. Risks of super Things you should know: All investments carry risk; Different investment strategies ( options ) may carry different levels of risk depending on the assets that make up the strategy; and Assets with the highest long-term returns (such as shares) may also carry the highest level of short-term risk. The significant risks associated with this product include market risk, investment risk, superannuation fund risk, risk of changes in the legal environment, diversification risk, inflation risk, currency risk, counterparty risk and liquidity risk. Please refer to the Investment Guide for more details. 3
The Trustee, with the assistance of the Investment Manager, seeks to minimise risks by taking into account the best interests of members at all times when making decisions and maintaining a risk management and compliance framework in accordance with legislative requirements. The risk associated with any particular investment option will depend on the composition of the assets and underlying investments used in each investment option. Section 5 of this PDS contains the risk profile of the Balanced Option. Information about the risk profile of other investment options is available in the Investment Guide. Other general risks relevant to Spitfire Super are: The value of your investment will vary. The level of returns will vary, and future returns may differ from past returns. Returns are not guaranteed, and you may lose some of the money in your account. Superannuation and taxation laws may change in the future. The amount of your future superannuation savings (including contributions and returns) may not be enough to provide adequately for your retirement. Your level of risk will vary depending on a range of factors including your age, investment timeframe, where other parts of your wealth are invested and your risk tolerance. For more information about risks including the risk profile of other investment options, refer to the Investment Guide available by visiting www.spitfire.io/super or by contacting us via email at super@spitfire.io or by calling us on 1800 572 141. You should read this important information about risks before making a decision. The information relating to risks may change between the time you read this PDS and the day when you acquire this product. 5. How we invest your money Spitfire Super provides you with the choice of five diversified multi-asset investment options with an added exposure to alternative investments run through a separately managed strategy. Our investment strategies are developed using a top down approach through strategic asset allocation, which is an investment methodology that aims to drive long-term returns while minimising investment risk through diversification of members portfolios across multiple asset classes. The multi-asset class approach reduces risks specific to just one asset class and allows an extra layer of diversification to be achieved by combining multiple managers and investment strategies in each asset class. You must select your preferred Spitfire Super Investment Option when signing up to become a member. You can switch later (a switching fee applies - please see Section 6 for more details). You can only select a single investment option for your account. Warning: You should consider the likely investment return, risks and your investment timeframe when choosing an investment option. Spitfire Super Balanced Investment Option Suitability and main investments Suitable for members seeking a diversified investment aiming for some capital gains with a lower variability of returns. This option provides a balanced exposure to a mix of Australian and international asset classes with 40% of the portfolio consisting of defensive assets such as cash and fixed interest assets and 60% consisting of growth assets including equities, property and alternative assets such as hedge funds and agriculture. Investment Return Objective 1 To achieve returns gross of fees and taxes exceeding CPI +3.0% p.a. over rolling 10-year periods. Minimum suggested investment timeframe Members should be invested for the long term with a minimum suggested time frame of 10 years. Asset Classes and Strategic Asset Allocation Ranges 2 Investment Risk Profile 3 Risk level Standard Risk Band 5 Standard Risk Label Estimated number of negative returns over any 20-year period Minimum Allocation Maximum Allocation Australian Cash 13% 23% Australian Corporate Bonds 3% 13% Australian Government Bonds 9% 19% Australian Equities 17% 27% Listed Global Property 2% 12% Developed Market Equities 18% 28% Alternatives - Hedge Funds 1.5% 6.5% Alternatives - Agriculture 1.5% 6.5% Medium to high 3 to less than 4 4
1 For example, if the inflation rate is 2.0% p.a. over a 10 year period then the Balanced Option s investment return objective return would be 5.0% p.a. over the 10-year period gross of fees and taxes. Refer to the Investment Guide for further information about the investment return objectives. 2 The actual investment position may vary due to market movement and our view of the relative risks and returns of each asset sector. 3 See Standard Risk Measure in Section 6 of the Investment Guide. You can switch investment options online at www.spitfire.io/ super. The fees and costs applicable to your account depend on the investment option your account is invested in. Refer to Section 6 of this PDS for more information about fees and costs. On a notification of member s death, their account balance will be switched to the Conservative Investment Option. Australian Securities and Investments Commission (ASIC) website (www.moneysmart.gov.au) has a superannuation calculator to help you check out different fee options. Fees and costs can be charged directly to your account or may be deducted from investment returns or Fund assets. You can use the fees and costs information below to compare costs between different superannuation products. However, bear in mind the nature of the investment option that you are comparing. Balanced Investment Options - Summary Spitfire Super Type of fee Amount How and when paid The investment options made available to members may be changed from time to time. The Trustee may close, remove or add investment options. Investment Fee Estimated 0.187% of assets p.a. Deducted from earnings before daily unit prices are calculated For more information about investments including details of all investment options and how to switch investments, refer to the Investment Guide available by visiting www. spitfire.io/super or by contacting us via email at super@ spitfire.io or by calling us on 1800 572 141. You should read this important information about investments before making a decision. The information relating to investments may change between the time you read this PDS and the day when you acquire the product. 6. Fees and costs Administration Fee $85.80 p.a. Plus Estimated 0.518% of assets p.a. Deducted from a member s account monthly in arrears or on a pro-rata basis upon exit from Spitfire Super Plus Deducted from earnings before daily unit prices are calculated 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). Buy-sell Spread Nil Switching Fee $25 Not applicable Deducted from a member s account only when switching investment options occurs You should consider whether features such as superior investment performance or the provision of better member services justify higher fees and costs. Exit Fee Nil Not applicable You or your employer, as applicable, may be able to negotiate to pay lower 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 the fees based on your own circumstances, the Advice fees relating to all members investing in a particular investment option Nil Not applicable 5
Other fees and costs 1 Indirect Cost Ration (ICR) Various Estimated 0.274% of assets p.a. Deducted from a member s account depending on the activity, advice or insurance applicable to the member s account Deducted before gross earnings of the option s underlying investments are received by Spitfire Super and reflected in the calculation of daily unit prices for Spitfire Super s investment options 1 Other fees may apply, including activity fees, advice fees for personal advice and insurance fees. Please refer to the Additional Explanation of Fees and Costs in Section 2 of the Reference Guide for further details. Note: Estimated costs are subject to variation from year to year. The fees and costs shown in the above table are not negotiable. Example of annual fees and costs The table below gives an example of how the fees and costs for the Balanced Investment Option for 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. Example of annual fees and costs Balanced Investment Options Balance of $50,000 Investment Fee 0.187% For every $50,000 you have in the superannuation product you will be charged $93.50 each year Plus, Indirect costs for the superannuation product Equals, Cost of Product 0.274% And, indirect costs of $137.00 each year will be deducted from your investment If your balance was $50 000, then for that year you will be charged fees of $575.30 for the superannuation product. * Additional fees may apply. And, if you leave Spitfire Super, an exit fee or buy-sell spreads do not apply. Please refer to the Reference Guide for the fees and costs for other investment options. Things you should know: The Trustee can change the amount of fees without your consent, subject to providing you with 30 days advance notice for material fee increases that require advance notice under Government legislation. Estimated fees and costs may vary from year to year without prior notification. The percentage based administration fee may be up to 0.15% higher if necessary to maintain Spitfire Supers Operational Risk Financial Requirement reserve. The dollar based administration fee, exit fee and activity fees may be subject to CPI increases from year to year. The level of returns will vary, and future returns may differ from past returns. In addition to the above fees, insurance costs (including insurance premiums payable to the Insurer and insurance administration fees payable from the Fund to the Spitfire Super Administrator and Promoter) apply in relation to any insurance cover you have in Spitfire Super. If you consult a financial adviser additional fees may be paid to them. Details of these fees will be set out in the Statement of Advice your adviser gives you. Plus, Administration Fees $85.80 ($1.65 per week) plus 0.518% And, you will be charged $85.80 per year in administration fees regardless of your balance plus $259.00 per year in administration fees based on a percentage of your balance For more information about the fees and costs (including definitions) applicable to all of the investment options, refer to the Reference Guide available at www.spitfire. io/super or by contacting us via email at super@spitfire. io or by calling us on 1800 572 141. You should read this important information about fees and costs before making a decision. The information relating to fees and costs may change between the time you read this PDS and the day when you acquire this product. 6
7. How super is taxed Tax may apply to contributions made to Spitfire Super, Spitfire Super s investment earnings and withdrawals from Spitfire Super, however generally, any taxes applicable to superannuation are at a concessional (lower) rate. Warning: Concessional tax rates do not apply on contributions which exceed Government contribution limits. Contributions: Concessional contributions (for example, employer contributions and deductible personal contributions) are usually subject to a concessional tax rate of up to 15%, provided we hold your Tax File Number ( TFN ). The concessional tax rate is higher for high income earners and may change. Non-concessional contributions (for example, non-deductible personal contributions) are usually not subject to tax. If your concessional contributions or non-concessional contributions in a financial year exceed Government contribution limits, additional (excess) taxes will apply. Where contribution limits are exceeded, it may be possible to withdraw excess amounts from your account, although some taxes and charges may still apply. Contributions tax is deducted from member accounts periodically and remitted to the ATO quarterly. Any excess taxes for contributions may also be paid out of your account, in certain circumstances. Taxes may apply to transfers of superannuation from an untaxed source (for example, certain public sector schemes) into your account. Investment Earnings: Net earnings are subject to a tax rate of up to 15% however, the rate may be less due to tax credits or other rebates. Withdrawals: If you are under age 60 but have reached your preservation age, the taxable component of lump sum superannuation payments is usually subject to tax at the maximum rate of 15% (plus Medicare levy). A tax free threshold, which varies from year to year, applies. Benefits paid on or after age 60, death benefits paid to dependants and terminal illness benefits are generally tax-free. Taxes do not usually apply to transfers to another superannuation fund. Warning: You should provide your TFN when acquiring this product. If Spitfire Super doesn t hold your TFN, we may not accept member contributions for you, the tax on concessional contributions and superannuation benefits may be higher and it may be more difficult to locate any lost super benefits or consolidate your superannuation from other accounts. Further information about tax, including tax rates applicable from year to year, is available from www. ato.gov.au For more information about taxation matters relevant to superannuation, refer to the Reference Guide available at www.spitfire.io/super or by contacting us via email at super@spitfire.io or by calling us on 1800 572 141. You should read this important information about tax before making a decision. The information relating to tax may change between the time you read this PDS and the day when you acquire this product. 8. Insurance in your super Insurance cover helps provide for yourself and your dependents when you are no longer able to do so. What types of insurance can I have? Death Cover (lump sum insurance benefit paid on the death of a member or if a member suffers a terminal medical condition) Death and Total and Permanent Disablement ( TPD ) Cover (Lump sum insurance benefit paid on the death or permanent incapacity of a member) Income Protection Cover (regular income insurance benefit paid on temporary incapacity of a member). Default Insurance Cover Members who meet the Insurer s eligibility requirements, may receive an amount of both Death and TPD Cover without the need for a full medical check. Limitations apply cover is for new events only. Refer to the Insurance Guide for relevant eligibility requirements. Income Protection Cover is not provided by default. Amount and Cost of Cover There are costs associated with insurance cover including default cover which you are responsible for. These costs are deducted from your Spitfire Super account, where applicable. Insurance costs comprise the premium rates specified in the Insurer s insurance policies and insurance administration fees. The cost of default death and TPD cover for a person in a white collar occupation, per $1,000 of insurance cover, ranges from $0.39 to $16.49 per annum for a female and $1.02 to $21.17 per annum for a male, depending on your age next birthday. If you are in a professional occupation, the cost is lower. If you are in a blue collar occupation the cost is higher (a 206% occupational loading applies to default death and TPD cover for blue collar occupations). The amount of default death and TPD cover is calculated using a benefit scale in the Insurer s insurance policy and ranges from $300,000 to $20,000 depending on your age. Cover ceases on your 65th birthday and other circumstances. For further information about the amount, cost and cessation of cover, see the Insurance Guide. Opting out of insurance cover You can opt out of receiving any default insurance cover as part of the process of setting up your online account (in which case, default cover will not commence), or after you have become a member, by sending a request to the Spitfire Super Administrator at super@spitfire.io. If we receive your opt out 7
request within 30 days of default cover commencing, you will be treated as if the cover never started and no insurance benefit will be payable. If we receive your opt out request at a later date, cover is cancelled from the date we receive the request. If you opt out of insurance cover and wish to apply for it at a later date, you will need to be accepted for cover by the Insurer subject to the Insurer s underwriting requirements. Warning: Unless you opt out of default cover, the cost of this cover will be deducted from your Spitfire Super account, monthly in arrears. Changing your insurance cover You can contact the Spitfire Super Administrator on 1800 572 141 to increase any default cover you may have or to obtain death, TPD and/or income protection cover. You will need to complete an application form (available on request from the Spitfire Super Administrator) and meet the Insurer s eligibility and underwriting requirements. Any application is subject to acceptance by the Insurer and the payment of additional insurance costs. You can also reduce the amount of any insurance cover you have or obtain or make other changes (for example, to waiting or benefit period applicable to Income Protection Cover you obtain) by contacting the Spitfire Super Administrator. Transferring your existing cover Provided you meet the Insurer s eligibility requirements, you can transfer the amount of existing cover you have with another superannuation fund or under an individual life policy to supplement the insurance you have in Spitfire Super. Conditions apply. For more information about insurance including when cover starts and ends, eligibility criteria for commencement of cover and payment of insured benefits, the level and types of cover available, insurance costs, exclusions, restrictions and other important terms and conditions, refer to the Insurance Guide available at www.spitfire.io/super or by contacting us via email at super@spitfire.io or by calling us on 1800 572 141. You should read this important information about insurance before making a decision about whether the insurance is appropriate for you. The information relating to insurance may change between the time you read this PDS and the day when you acquire this product. Warning: Insurance terms and conditions (in particular, eligibility criteria, cover cessation circumstances and exclusions) may affect your entitlement to insurance cover or the payment of insured benefits so you should read the Insurance Guide for more detailed information before deciding whether the insurance is appropriate for you. 9. How to open an account? Joining Spitfire Super is easy. All you have to do is go to www.spitfire.io/super and enter your details, including your preferred investment option, into an online application form to set up an account in Spitfire Super. If you have any problems signing up, or require further assistance, please email us at super@spitfire.io or call us on 1800 572 141. Once you are a member you will have an online account which gives you access to your account in the Plan (Spitfire Super account). You can complete other important details including details relevant to the provision of insurance cover and TFN details online. You should read the latest Reference Guide, Investment Guide and Insurance Guide before doing so. The Reference Guide contains important additional information about fees and costs. The Investment Guide contains important additional information about risks and investment options. The Insurance Guide includes important additional information about insurance cover including default cover. If you change your mind after you apply to open an account in the Plan and you have not exercised any right or power in relation to this product, you can cancel your account within 14 days from the end of the 5th day after the account is opened or you receive confirmation of the account s establishment (whichever is earlier). This is called your cooling off right. Upon exercising this right your investment amount will be refunded or transferred to another superannuation product after making allowance for any investment fluctuations, fees, costs, taxes and insurance premiums, as permitted by law. If you have a complaint relating to this product, contact the Complaints Officer using the Administrator s contact details: The Complaints Officer Spitfire Super c/- OneVue Super Services Pty Limited Mail: PO Box 1282, Albury NSW 2640 Phone: 1800 572 141 For more information about complaints handling refer to the Reference Guide available at www.spitfire.io/ super or by contacting us via email at super@spitfire. io or by calling us on 1800 572 141. You should read this important information about complaints handling before making a decision. The information relating to complaints handling may change between the time you read this PDS and the day when you acquire this product. 8