Claiming a death benefit Important information and claim form rest.com.au 1300 300 778
This booklet will help guide you through making a death benefit claim from REST Industry Super when a REST member has passed away. We know that this is a difficult time and it may be daunting to deal with the important paperwork involved, so we are here to help you. Please read this booklet before completing the claim form, and call us on 1300 300 778 if you have any questions. What is a superannuation death benefit? A super death benefit is the money payable on the death of a member of the super fund. It consists of: the deceased member s super account balance less any applicable fees and taxes and plus or minus any earnings up to the date of payment; and any insured benefits which may be payable. The insured amount will depend on the level of cover (if any) the deceased member had with the fund and their age at the date of death. The death benefit can be paid as: a lump sum payment (which may include an antidetriment payment), a continuation of the deceased member s REST pension (for a reversionary beneficiary only), or an investment into a new REST pension (dependants only, restrictions apply for adult children). Who can a death benefit be paid to? REST s Trust Deed requires the Trustee to decide who will receive a death benefit unless there is a valid binding beneficiary nomination in place in respect of the deceased member at the time of their death. By law, the Trustee can only pay a death benefit to any one or more dependants of the deceased member and the Legal Personal Representative (LPR) of the deceased member s estate. The Trustee can only pay the death benefit to another person if there are no dependants or LPRs. When deciding who to pay, the Trustee will review the deceased member s circumstances, any documented wishes, and who relied on the deceased member for support at the date of death. Where a valid binding beneficiary nomination has been made, the Trustee will pay the benefit in accordance with the binding beneficiary nomination. The binding beneficiary nomination will be valid if it has not lapsed and the nominated person(s) can provide evidence to confirm that they were a bona fide dependant at the time of the death of the deceased member or they are the LPR of the estate. What information does REST need to start assessing the claim? REST will need the following documents to start assessing the claim: Certified copy of the full death certificate stating cause of death. If the cause of death is not shown, please also provide the coroner s or police report, if available. Certified copy of proof of identification for the deceased member. (See page 4 for more information). Certified copy of a linking document, such as a marriage certificate or certificate of name change, to prove any change of names, if applicable. Certified copy of any Will (if there is one) and Grant of Probate or Letters of Administration. Also include a copy of the assets and liabilities of the estate. Certified copy of any Marriage Certificate of the deceased member, if applicable. Certified copy of any Decree Nisi / Divorce certificates for any previous marriages of the deceased member, if applicable. Certified copy of evidence in support of a claim of interdependency or financial dependence, if applicable. Certified copy of proof of identification for all claimants. Complete Claiming a Death Benefit claim form, included in this booklet. Every claim is different and the documents required will vary. Therefore, we may need to request further documents in addition to the above. When will the death benefit be paid? The Trustee will pay the death benefit as soon as possible. Once all the necessary documents have been received, the claim will be assessed. Payment will be made shortly afterwards. Delays can sometimes occur due to information being required from third parties. However, we will keep you informed of progress along the way. What are the steps involved? Step 1. Identify potential beneficiaries To do this the Trustee will request all known dependants, nominated beneficiaries, and the LPR complete a Claiming a Death Benefit claim form and provide the necessary documentation referred to above. If the nominated reversionary beneficiary is a dependant, then no further identification of claimants or claim staking occurs (see definition below in Step 4). Step 2. Claim insurance Where the deceased member had insurance, we will need to request further information, including information from the employer(s) of the deceased member. Once we have this information, we will request the insurer to assess the claim. Step 3. Make a payment decision Once all documents are returned to us and any insurance decisions made, the Trustee will review the insurer s decision to ensure it is fair and reasonable, and will decide how to pay the death benefit. 2
Step 4. Tell potential beneficiaries the Trustee s proposed decision The Trustee will usually write to all potential beneficiaries, telling them who the Trustee proposes to pay. This is called claim staking. All parties have 28 days from receipt of the proposal to send the Trustee an objection. If no objections are received, the Trustee will pay the benefit according to the proposal stated in the claim staking letter. Step 5. If an objection is received The Trustee will notify all parties that an objection has been received. The Trustee will consider the objection and any submissions received and provide its decision within 90 days. If the Trustee upholds its previous proposal, the complainant may lodge a complaint with the Superannuation Complaints Tribunal (SCT) within 28 days from receipt of the Trustee s decision. If a complaint is made to the SCT, the benefit will not be paid until that complaint is resolved by the SCT. Explanation of terms used Please refer to these definitions for some of the terms used in the claim form. Dependant includes: a spouse of the member a child of a member any person the member had an interdependency relationship with any person, who, in the opinion of the Trustee, was wholly or partially dependent financially on the deceased member at the date of death. Legal Personal Representative (LPR) means the executor or administrator of the deceased member s estate. Spouse includes: a person (whether of the same sex or a different sex) with whom the deceased member was in a relationship at the date of death that is registered under a law of a State or Territory a person who, although not legally married to the deceased member, was at the date of death of the deceased member living with the deceased member on a genuine domestic basis in a relationship as a couple. Child includes: an adopted child, a step-child or an ex-nuptial child of the deceased member a child of the deceased member s Spouse someone who is a child of the deceased member within the meaning of the Family Law Act 1975. Step-child means a child of a former marriage of the person to whom the deceased member was married at the date of the member s death. Financial dependant means a person who, in the opinion of the Trustee, was wholly or partially dependent financially on the deceased member at the date of death through regular continuous contribution, either financially or through the provision of, for example, food, accommodation, clothing, transport, education, or regular payments of board to maintain the person s normal standard of living. Reversionary beneficiary is the person who the deceased member nominated to continue receiving their pension on their death. An Interdependency Relationship existed between the deceased member and another person (whether or not related by family) if, at the date of death: (a) they had a close personal relationship; and (b) they lived together; and (c) one or each of them provided the other with financial support; and (d) one or each of them provided the other with domestic support and personal care. If a close personal relationship existed, but the other requirements of an interdependency relationship were not satisfied because one or both persons suffered from a physical, intellectual or psychiatric disability, or they were temporarily living apart, then an interdependency relationship may still exist. Please note that an interdependency relationship doesn t normally exist between an adult deceased member and their parents, unless there are some unusual or exceptional circumstances. Frequently asked questions Can REST Industry Super pay for the funeral? No. Under superannuation legislation and the REST Trust Deed, there is no provision allowing payment for funeral costs. Will investment returns be applied to the super account? The accumulated account balance will remain invested in the deceased member s chosen investment option. All positive/negative investment returns will be applied to the account until the date the benefit is paid. The deceased member s chosen investment option can t be changed. Any insurance amount will be invested in REST s Cash investment option, from the date received, until the date the death benefit is paid. Will the Trustee pay the nominated beneficiaries? The Trustee can t follow a deceased member s non-binding beneficiary nomination if there is an obligation by law to pay someone else. The Trustee will take into account how long ago the non-binding beneficiary nomination was made, and if the deceased member s family or financial circumstances have changed. In the case of a binding beneficiary nomination, the nominated beneficiaries will be paid if the nomination is valid at time of death. What if REST decides to pay a child under 18? The Trustee may arrange for a Minor Trust to be established. The funds in the Minor Trust are to be used by the appointed trustee(s) of the Minor Trust for the maintenance, education and advancement of the child. Remaining funds in the Minor Trust will be payable to the child when they turn 18. The Trustee will set up the Minor Trust at REST s expense, using our standard Minor Trust Deed. Claiming a death benefit 3
If the Trustee decides to pay a child or children under 18, further information will be given at claim staking time. What is a Grant of Probate or a Grant of Letters of Administration (LOA)? Probate or LOA is the official proof of the Legal Personal Representative s (LPR s) authority to deal with an estate. It is issued by the Supreme Court. As the Trustee will not always pay a deceased member s super to their estate, REST won t always request that a Legal Personal Representative apply for Probate or LOA. However, if either has been granted or a Will exists, please provide the Trustee with a certified copy. Will tax be payable on the benefit? Super tax is complex and depends on each beneficiary s circumstances. Beneficiaries who are to be paid a super death benefit may want to seek independent financial advice about any tax implications. In general, a lump sum super death benefit paid to a beneficiary (as opposed to the LPR) will be taxed as follows: Dependant Tax will not be deducted from the death benefits. For tax purposes, you are a dependant if at the date of death you were the spouse, a child less than 18 years old, a financial dependant or had an interdependent relationship with the deceased member. Non-dependant To find out which rate applies to you contact REST Group Life claims on 1300 300 778 or refer to the Facts & Figures page on www.rest.com.au/facts. Does REST offer anti-detriment payments? Yes, REST offers anti-detriment payments. An anti-detriment payment is effectively a refund of the contributions tax deducted from a member s account from 1 July 1988. This amount is calculated at the date of death and automatically paid when the death benefit is paid to a spouse, former spouse or child (any age) of the deceased. The death benefit must be paid as a lump sum in order to qualify for the antidetriment payment. What if I m not satisfied with the Trustee s decision? The Trustee will always endeavour to make clear decisions based on the evidence available, super law and the Trust Deed. In the event that you disagree with the Trustee s decision you may wish to contact the Superannuation Complaints Tribunal (SCT), an independent body set up by the Federal Government. The SCT can only consider a complaint from a potential beneficiary about the Trustee s decision if the potential beneficiary has first lodged a complaint with the Trustee and, if dissatisfied with the Trustee s decision, then lodges a complaint with the SCT within 28 days. If the Tribunal accepts a complaint, it will attempt to resolve it through conciliation, which involves assisting all parties, and the Trustee, to come to an agreement. If conciliation is unsuccessful, the complaint is referred to the Tribunal Review Panel for determination, which is binding. You can contact the Tribunal on 1300 884 114 or visit www.sct.gov.au for more information about the process of making a complaint, and the Tribunal s role. Providing certified copies of all the required documentation will help us get your claim under way as soon as possible. What documents are acceptable to prove identity? Certified copies of the following documents^ are acceptable as proof of your identity(id): One of the following documents: Current passport that contains your photograph and signature Current driver s licence that contains your photograph Card issued by a State or Territory for the purpose of proving your age that contains your photograph and signature. If you don t have one of the documents listed above, you will need to provide one of the following documents: Birth certificate or extract Citizenship certificate issued by the Commonwealth Current Pension card issued by the Department of Human Services. PLUS One of the following documents showing your name and residential address: Notice issued by the Commonwealth, State or Territory within the last 12 months that shows you are receiving a financial benefit, such as a Centrelink payment notice Notice issued by the Australian Taxation Office (ATO) within the last 12 months that shows a debt to or refund from the Commonwealth, such as a Tax Assessment notice Notice issued by a local Government body or utilities provider within the last three months for the provision of services, such as a council rates notice or electricity bill If you re under 18, a notice issued by a school principal within the last three months which shows the period of time you ve attended at the school. ^ Documents that are not written in English must be accompanied by an English translation prepared by an accredited translator. An accredited translator is any person who is currently accredited by the National Accreditation Authority for Translators and Interpreters Ltd (NAATI) at the level of Professional Translator or above. How do I get documents certified? Certifying your identity takes just three easy steps: 1. Make a photocopy of the original ID document that identifies you (e.g. your driver s licence) 2. Take both your original ID document and the photocopy to an authorised person who can certify (e.g. your local post office or police station, see Who can certify for a full list) 4
3. Get the authorised person to stamp or write I certify this to be a true copy of the document shown and reported to me as the original, followed by their signature, full name, qualification, registration number (if applicable) and the date. The example below shows how a certified copy of your proof of identity should look. JANE CITIZEN FLAT 10 77 SAMPLE PARADE KEW EAST VIC 3102 LICENCE EXPIRY 20-05-2019 LICENCE TYPE CAR DRIVER LICENCE DATE OF BIRTH 29-07-1983 CONDITIONS SBEAVXYZ I CERTIFY THIS TO BE A TRUE COPY OF THE DOCUMENT SHOWN AND REPORTED TO ME AS THE ORIGINAL NAME: QUALIFICATION: REG. NUMBER: DATE: PHOTOCOPY OF ID WITH CERTIFICATION Who can certify your identity? a Justice of the Peace a pharmacist, medical practitioner, nurse, dentist, optometrist, chiropractor, physiotherapist, psychologist or veterinary surgeon a teacher employed on a full-time basis at a school or tertiary education institution a police officer a notary public a permanent employee of Australia Post with two or more years of continuous service who is employed in an office supplying postal services to the public an agent of the Australia Postal Corporation who is in charge of an office supplying postal services to the public a bank, building society, credit union or finance company officer with two or more years of continuous service an officer with, or authorised representative of, a holder of an AFSL with two or more years continuous service with one or more licensees a permanent employee of the Commonwealth or a Commonwealth authority, a State/Territory or a State/Territory authority or a local government authority, with two or more years of continuous service a Member of the Parliament of the Commonwealth, the Parliament of a State/Territory or local government authority of a State/Territory an Australian consular or diplomatic officer (within the meaning of the Consular Fees Act 1955) a member of the Institute of Chartered Accountants in Australia, CPA Australia or the National Institute of Accountants a registrar or deputy registrar of a court a person enrolled as a legal practitioner on the roll of the Supreme Court of a State/Territory or the High Court of Australia a judge or magistrate of a court a Chief Executive Officer of a Commonwealth Court. What are the next steps? Please keep pages two to five of this booklet for your reference. Return the required documents along with the completed Claiming a Death Benefit claim form to: REST Group Life Claims PO Box 350 Parramatta NSW 2124 Get the right advice at the right time You should consider speaking to a financial adviser, who can provide you with information and guidance based on your personal circumstances. If you are a REST member, REST has arranged for Money Solutions* to provide easy access to financial advice whenever you have a super or retirement question. To help REST members get the advice they need to make informed decisions about their finances and super, we will pay for a REST member s first single super-related question (subject to superannuation law) over the phone with a Money Solutions* Money Coach. Call 1300 300 778 to speak to a Money Coach or visit www.rest.com.au/advice If you are not a REST member and are claiming this benefit on behalf of a deceased, we still recommend you seek financial advice from a qualified financial adviser before making any decisions. *Money Solutions Pty Ltd AFSL 258145. Money Solutions personnel are not representatives of the Trustee. Any financial product advice given by Money Solutions is provided under the Money Solutions AFSL. The Trustee does not accept liability for any loss or damage incurred by any person as a result of using products or services provided by Money Solutions. REST supports SuperFriend REST Industry Super is proud to support SuperFriend the Industry Funds Forum Mental Health Foundation. SuperFriend is a nation-wide initiative aimed at improving the mental health and wellbeing of industry super fund members. Created by industry super funds, SuperFriend brings together partners from industry super funds, insurers and mental health organisations to offer you resources that promote mental wellbeing and assist in seeking help early. www.superfriend.com.au The SuperFriend website offers you a range of trusted information and resources to help reduce stress and improve mental wellbeing. Claiming a death benefit 5
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Claiming a death benefit - claim form Before completing this form, please read pages two to five of this booklet and keep these pages for your information and records. Where words in this form are shown in blue text you will find more information about their meaning in pages two to five. Please write in BLOCK letters and use a BLUE or BLACK pen. This form will be invalid if unsigned. So the Trustee can consider your situation, please complete this form if you are a dependant of the deceased member at the time of death, Legal Personal Representative (LPR), or a person who wishes be considered in the distribution of the death benefit. Any minor under the age of 18 must have this form completed on their behalf, by their parent or guardian. Once you ve completed and signed this form, please mail to: REST Group Life Claims, PO Box 350 Parramatta NSW 2124. Deceased Member s details Member number Date of birth (dd/mm/yyyy) Date of death (dd/mm/yyyy) Mr/Mrs/Ms/Miss/Dr Surname Given name(s) Last known address Who was the deceased living with at date of death? Given name(s) Telephone Your details Mr/Mrs/Ms/Miss/Dr Surname Given name(s) Relationship to the deceased member Length of relationship Telephone (business hours) Mobile Email Your TFN is You are not obliged to supply your TFN, but if you choose not to, any benefit you may receive may be taxed at the highest marginal rate, plus the Medicare Levy. Part 1 Information about the estate of the deceased member 1. Did the deceased member leave a Will? Yes No Not sure 2. If Yes, has a Grant of Probate been applied for? Yes No Not sure 3. If No, has Letters of Administration been applied for? Yes No Not sure If you answered YES to question 1, 2 or 3 please attach a certified copy of the documentation to assist in the assessment of the claim. iiii
Part 2 Dependants details Please Dependant provide 1 as much information as you can on each dependant or next of kin other than yourself. Copy the page if you require Mr/Mrs/Ms/Miss/Dr more spaces. Refer Surname to page 2 for details on who is a dependant. Given name(s) Date of birth (dd/mm/yyyy) Address Telephone (business hours) Email Relationship to the deceased member Lived with the deceased? Yes No Financially dependent on the deceased? Yes No Dependant 2 Mr/Mrs/Ms/Miss/Dr Surname Given name(s) Date of birth (dd/mm/yyyy) Address Telephone (business hours) Email Relationship to the deceased member Lived with the deceased? Yes No Financially dependent on the deceased? Yes No Dependant 3 Mr/Mrs/Ms/Miss/Dr Surname Given name(s) Date of birth (dd/mm/yyyy) Address Telephone (business hours) Email Relationship to the deceased member Lived with the deceased? Yes No Financially dependent on the deceased? Yes No ii
Part 2 Dependants details (continued) Dependant 4 Mr/Mrs/Ms/Miss/Dr Surname Given name(s) Date of birth (dd/mm/yyyy) Address Telephone (business hours) Email Relationship to the deceased member Lived with the deceased? Yes No Financially dependent on the deceased? Yes No Further details Please provide other details you believe the Trustee should be aware of (e.g. family circumstances). Please attach a separate page for additional information if necessary. Guardian details Please confirm the name and address of the guardian(s) for any minor dependants (children under 18 years of age) listed above. Mr/Mrs/Ms/Miss/Dr Surname Given name(s) Date of birth (dd/mm/yyyy) Address Telephone (business hours) Email Guardian for dependant 1 2 3 4 listed above iii
Part 3 Your claim 1. Do you want to be considered by the Trustee in the payment of the death benefit? Please note that the benefit may include an insurance amount which would increase Yes No the amount of the benefit payable. (If No please proceed to Part 4 Your declaration). 2. a) Are you claiming as the LPR of the estate of the deceased member? Yes No (If you are claiming as an LPR of the estate, and not a dependant of the deceased member please proceed to Part 4 your declaration). 2. b) On what basis are you claiming? Spouse (If you are claiming as the Spouse of the deceased member, please proceed to Part 4 Your declaration) Child Financial dependant Interdependent LPR Other: Living arrangements 3. a) Did you live with the deceased member at date of death? Yes No b) If applicable, what dates did you live together? Between and 4. If you are a reversionary beneficiary, please call 1300 305 778 or visit www.rest.com.au to obtain a Reversionary beneficiary application and TFN declaration form if you want the deceased member s pension to continue being paid to you. You will need to complete and attach these forms to this form. If not, please indicate if would like to instead receive a lump sum payment. Yes No Financial dependency claim If you are claiming financial dependence please complete the following questions and attach evidence to support your claim (e.g. joint bank statements, shared bills, receipts of expenses). 5. a) Were you financially dependent on the deceased member at the date of death? Yes No b) Please attach evidence to confirm this. c) Please complete the table below showing what expenses the deceased member paid for you. Type of expense Amount paid Frequency of payments Date of last payment Then please proceed to Part 4 Your declaration. Interdependency claim If you are claiming you were in an interdependency relationship with the deceased member, please complete the following questions and attach evidence to support your claim (e.g. written declarations from family members or friends, shared bank statements, medical reports). ii iv
Part 3 Your claim (continued) 6. a) If you consider you were not financially dependent on the deceased member, were you in an interdependency relationship with the deceased member at the date of death? Yes No b) Did you have a close personal relationship with the deceased member? Yes No Please provide details: c) Were you living with the deceased member at the date of death? Yes No d) If you were not living with the deceased member at the date of death, please confirm why, and was this a permanent arrangement? e) Did one or each of you provide the other with financial support (e.g. receiving regular payments of board/rent, provision of food, accommodation, clothing, transportation, education)? Yes No f) Please provide details, evidence, and confirm which of you provided this support. If financial support wasn t given or received, please explain why: g) Did one or each of you provide the other with domestic support and personal care? Yes No Please provide details, evidence, and confirm which of you provided this support and personal care. If domestic support and personal care wasn t given or received, please explain why: h) Did either or both of you suffer from a physical, intellectual or psychiatric disability? Yes No Please provide details and supporting evidence of this (e.g. doctor s letter or medical reports): Part 4 Your declaration You must sign and date this declaration and have it witnessed by an authorised witness # before returning this form. I acknowledge, agree and declare that all information, statements and declarations given by me by signing this form are true and correct to the best of my knowledge at the date of signing and I will notify the Trustee immediately if any of this information changes. I confirm that I have advised the Trustee of all dependants of the deceased member known to me, in Part 2 Dependants Details of this form. I am aware that, as a result of the member s death, an amount is payable from the fund in respect of the deceased member. This amount may include an insurance benefit. I confirm that if I have ticked No to Question 1 in Part 3 Your claim of this form: I do not wish to be considered by the Trustee in the payment of the death benefit, including any insurance I have no intention of claiming all or part of the death benefit, including insurance, and I agree that the Trustee is released from any obligation to include me in its determination of the distribution of the death benefit. Signature Signed Date (dd/mm/yyyy) Declared at (place) Signature of witness # Signed Date (dd/mm/yyyy) # Please refer to page 5 under Who can certify your identity section for a list of approved persons that can witness your signature on this form. A complete list of people who can be witnesses is available at www.ag.gov.au/statdec iii v
Part 5 Checklist ensure certified copies of documents are provided Please complete the below checklist to ensure you have attached all required information. Please ensure every document is a certified copy of the original document. If certified copies aren t given to us, your claim cannot be reviewed. Please refer to page 4 for information about how to get copies of original documents certified, and what information is required to prove identity. Death certificate stating cause of death. If the cause of death is not shown, please also provide the coroner s or police report, if available. Will (if there is one) and Grant of Probate or Letters of Administration. Also include a copy of the assets and liabilities of the estate (N/A for reversionary beneficiaries). Proof of identification for the deceased member. Marriage Certificate of the deceased member, if applicable. Linking document to prove any change of names, if applicable. Decree Nisi / Divorce certificates for any previous marriages of the deceased member, if applicable. Evidence in support of a claim of interdependency or financial dependence, if applicable. Proof of identification for all claimants. Reversionary beneficiary application form (for reversionary beneficiaries) if applicable. TFN declaration form (for reversionary beneficiaries) if applicable. Please send this completed form and accompanying documents to: REST Group Life Claims, PO Box 350, Parramatta NSW 2124 The Trustee company of Retail Employees Superannuation Trust, ABN 62 653 671 394, is Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 240003. Registered office: Level 7, 50 Carrington Street, Sydney NSW 2000. 908.1 02/15 ISS3 ii vi
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REST Privacy collection statement REST may collect personal information from you. REST may also collect your personal information from your employers, medical advisers, the Australian Taxation Office, other superannuation and insurance entities, clearing houses, gateway providers, address-matching service providers, service providers who conduct internet based surveys or run call centres and your spouse or friends. We are required to collect your name, address, date of birth and other verification information under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and we are required and authorised to collect your Tax File Number in various circumstances covered by the Superannuation Industry (Supervision) Act 1993 (Cth). We collect, hold, use and disclose your personal information to: establish and operate your membership account process contributions to your account correspond with you regarding your account provide you with superannuation, insurance or other products, services, benefits or options (REST Services) (or information about them) help locate your lost super and to consolidate your super respond to your enquiries and requests for information conduct surveys, research and analytics test potential REST Services understand and meet your needs over your lifetime. If we cannot collect your personal information we may be unable to provide you with REST Services (or information about them) or we may be unable to tailor the content of our websites to your preferences. employers insurers medical practitioners service providers, including contribution arrears collection services and address matching services marketing and communications agencies research and analytics providers administrators and advisers IT services our preferred financial services organisations and advice companies. We may disclose personal information to entities located overseas, including India, the Philippines, the United States of America and the United Kingdom. Our Privacy Policy contains information about how you may access and correct the personal information that we hold about you and how to lodge a complaint relating to our treatment of your personal information, and how we will deal with the complaint. Our Privacy Policy is available at www.rest.com.au or by contacting us. How to contact us You may contact us by phone on 1300 300 778 by email at contact@rest.com.au Or by writing to: Privacy Officer REST Industry Super Locked Bag 4085 Parramatta NSW 2124 Or you can visit us at: Level 7, 50 Carrington Street Sydney NSW 2000 We may disclose your personal information to third parties including: mailing and printing companies archiving companies auditors, actuaries and legal advisers Retail Employees Superannuation Pty Ltd, ABN 39 001 987 739, AFSL 240003, as trustee of the Retail Employees Superannuation Trust (REST) Fund ABN 62 653 671 394
We re here to help rest.com.au 1300 300 778 Please call between 8am-8pm, Monday to Friday This material contains general advice which has been prepared without taking into account your objectives, financial situation or needs. Before making a decision based on this advice, you should consider its appropriateness having regard to your objectives, financial situation and needs. You should read the Product Disclosure Statement which is available from www.rest.com.au or by calling 1300 300 778 before making any decision about the product. When you become a member of REST Industry Super, you join the Retail Employees Superannuation Trust ABN 62 653 671 394. The Trustee is Retail Employees Superannuation Pty Ltd ABN 39 001 987 739, AFSL 240003. Registered office: Level 7, 50 Carrington Street, Sydney NSW 2000 708.4 02/15 ISS6