Member Guide for Retirement Access

Member Guide for Retirement Access

Member Guide for Retirement Access

Member Guide for Retirement Access Product Disclosure Statement (PDS) Preparation date: 1 July 2018 Commonwealth Bank Officers Superannuation Corporation Pty Limited (ABN 76 074 519 798, AFSL 246418), trustee of Commonwealth Bank Group Super (ABN 24 248 426 878). For Retirement Access: Super Product Identification Number (SPIN): OSF0001AU Contents 1. About us 3 2. Benefits of investing in Retirement Access 4 3. Features of a Transition to Retirement Income Stream (TRIS) 6 4. Features of an Account-Based Pension 8 5. Pension payments, withdrawals & beneficiaries 11 6. Investments 15 7. Fees and other costs 20 8. Risks 27 9. Tax 29 10.Additional information 31 11.How to open an account 33

Member Guide for Retirement Access

Visit us at oursuperfund.com.au 2 Important information about this PDS This PDS provides a summary of key information to help you in deciding to invest in or continue to hold a Retirement Access account, which is issued by the trustee as an interest under Division F of the trust deed. Additional important information on some topics is available in our Reference Guides (look for the  ), form part of, and should be read together with, this PDS. We may change any of the matters about the fund as described in this PDS or the Reference Guides from time to time. If a change adversely affects you, we will notify you as required by law. If a change is not materially adverse, we may not update the PDS or a Reference Guide but instead issue an update notice, either before or after the change occurs. You should check for any update notices, or the most up-to-date PDS or Reference Guides, which are available free of charge from oursuperfund.com.au/ memberbooklets or by calling us on 1800 023 928. It’s possible that changes occur in the future, which may be without prior notice to you.

The information in this PDS and our Reference Guides is general information only and does not take into account your individual objectives, financial situation or needs. You should consider the information and its appropriateness, having regard to your objectives, financial situation and needs, before making a decision about this product. You should seek professional advice tailored to your personal circumstances from an authorised financial adviser. Tax considerations are general and based on present tax laws and may be subject to change. You should seek independent, professional tax advice before making any decision based on this information. The trustee is not a registered tax (financial) adviser under the Tax Agent Services Act 2009. You should seek tax advice from a registered tax agent or a registered tax (financial) adviser if you intend to rely on this information to satisfy the liabilities or obligations or claim entitlements that arise, or could arise, under a taxation law.

Investments in the fund are not investments of Commonwealth Bank of Australia or its subsidiaries (the Group). Neither the fund nor the Group guarantees the repayment of capital or the performance of the investment options or any particular rate of return from the investment options. Commonwealth Bank Group Super Accumulate Plus and Retirement Access members oursuperfund.com.au 1800 023 928 from 8am to 7pm (AEST) Monday to Friday oursuperfund@cba.com.au GPO Box 4758, Sydney NSW 2001 (02) 9303 7700

Call us on 1800 023 928 3 About us 1 For more than 100 years, Commonwealth Bank has supported its people in preparing for retirement by providing an employee super fund. About our fund We are one of the largest corporate super funds in Australia, looking after more than $11 billion of retirement savings on behalf of 75,000 people. Our members and pensioners are exclusively current Commonwealth Bank Group employees and former employees who chose to stay with us after leaving the Group, and their spouses and partners. Our fund’s vision is simple: to enhance the financial wellbeing of our members and their families for retirement.

We focus on ensuring our products and services add value to help you maximise your savings and income for retirement. Visit oursuperfund.com.au for more information on our fund, or visit oursuperfund.com.au/fundinfo for other required information about our fund (e.g. executive remuneration). Products supporting you for life Through our open products – Accumulate Plus, which includes our MySuper option, and Retirement Access – we can support you throughout your career and into retirement. How our fund is managed Our fund is managed by a corporate trustee, which is responsible for making sure the fund operates in a fair manner and in accordance with the trust deed and relevant laws.

Our trustee board has nine directors, comprising three independent directors, three directors appointed by Commonwealth Bank as the fund’s employer sponsor and three member-elected directors. The trustee, assisted by a range of service providers and other professionals, is also responsible for investing the fund’s assets and communicating with members. You can find our contact details on page 2. You can find out more about the trustee and the fund at oursuperfund.com.au/aboutus or in our Annual Report, also available from our website.

Our Accumulate Plus super accounts offer a MySuper investment option and 7 additional options to help you build your super. Your spouse or partner can also join our fund. Find out more in the PDS for Accumulate Plus on our website. Our Retirement Access income stream accounts can help you or your spouse or partner draw an income from super as you or they transition into retirement or move into a post-career stage of life. Career Transition to retirement Retirement

Visit us at oursuperfund.com.au 4 Benefits of investing in Retirement Access 1 2 Whatever you’re looking for in a super or pension fund, we’ve got options that might be right for you! A value-for-money super fund for life We strive to provide features and services that help enhance your financial wellbeing for the future, while ensuring that our fees and costs remain competitive to help your retirement savings last longer. It’s important for you to feel confident that you belong to a strong and competitive fund. We’re proud that Retirement Access continues to hold the highest ratings from two industry rating agencies: • 10 consecutive years with SuperRatings’ highest Platinum rating, awarded to the ‘best value for money funds’ and funds performing above their peers. Find out more at www.superratings.com.au. • 4 consecutive years with Chant West’s highest ‘5 Apples’ rating, which is based on the merits of a super fund relative to industry best practice. Find out more at www.chantwest.com.au.

Visit oursuperfund.com.au/ratings to find out more about these ratings. We also want to be a fund that you can count on to support you throughout your different life and career stages – whether you’re working, not working, transitioning between career and retirement, or retired. No matter what stage you’re at, an Accumulate Plus super account or a Retirement Access Transition to Retirement Income Stream or Account-Based Pension account might be just what you’re looking for. You can find the PDS for Accumulate Plus on our website. Here’s a tip! Quickly and easily compare our Retirement Access Account-Based Pension with other funds or pension products on an ‘apples with apples’ basis with AppleCheck – a free online comparison and report tool provided by rating agency Chant West.

Visit oursuperfund.com.au/compare for the link. A choice of pension products to suit your life stage Retirement Access offers both pre-retirement (or transition) phase and retirement-phase account options to support you with your future financial wellbeing. Transition to Retirement Income Stream (TRIS) A TRIS is a pre-retirement phase pension that allows you to draw an income from your preserved super benefits once you’ve reached your preservation age, even if you have not permanently retired. A TRIS might suit you if you want to reduce your working hours leading up to retirement and top up your income from your super. It may also provide flexibility for you to contribute extra to your super while receiving a pension to top up your income – this is sometimes known as re-contribution.

You can find out more about the features of a TRIS beginning on page 6. Account-Based Pension An Account-Based Pension is a retirement phase pension that allows you to draw an income from your super once you’ve met a condition of release. You can find out more about the features of an Account-Based Pension beginning on page 8.

Call us on 1800 023 928 5 Flexible payment options to suit you You can choose a payment amount that suits your needs, subject to the minimum annual amount allowed by law, as well as the maximum amount for a TRIS. You also have the flexibility to choose your payment frequency, or withdraw additional amounts if needed (withdrawal conditions may apply). Find out more about pension payments and withdrawals beginning on page 11. A choice of investments to help suit your needs It’s important to us to help you continue to build your retirement savings but also to help protect the savings that you’ve already accumulated.

Even in retirement your super may still need to last you quite a number of years, which means you may still want flexibility about how you invest your account balance. For Retirement Access, we offer five investment options for your account, including four diversified (or pre-mixed) options and a cash option. Refer to the ‘Investments’ chapter beginning on page 15 for more information. An exclusive membership opportunity for your partner Your family’s financial wellbeing is just as important to us as your own. Your spouse or partner is welcome to apply to join our fund as well, to enjoy the same competitive fees and many of the same benefits that you do.

Visit oursuperfund.com.au/spouse or refer to ‘Member Guide (PDS) for Accumulate Plus’ to find out more about opening an account. Online access and NetBank link As a member you have 24/7 access to log into your account via FirstNet, to see your up-to-date account balance, pension payments and other details. You can also make some transactions or requests online, such as changing your pension amount or payment frequency, or switching investment options. To make it even easier to keep track of your pension alongside your other day-to-day finances, if you’re a Bank customer with a NetBank ID, you’ll be able to see your Retirement Access account balance in the Bank’s NetBank platform and CommBank App. A handy single sign-on feature between NetBank and FirstNet makes it easy to view your account in more detail or transact online.

Note: Exchanging some member information with the Group is required to make the NetBank feature available to members. More information, including how you can opt out if you wish, is available in our privacy policy – visit oursuperfund.com.au/privacy or call us for a copy.

Visit us at oursuperfund.com.au 6 1 Features of a Transition to Retirement Income Stream 3 A Transition to Retirement Income Stream (TRIS) is a pre-retirement phase pension that allows you to draw an income from your super regardless of whether you are still working or not. Quick overview of how a TRIS works • To begin a TRIS, you must be aged between your preservation age (see below) and 65, but you do not need to have permanently retired. You cannot begin a TRIS if you have already turned 65. • You can choose to receive between 4% and 10% of your account balance in pension payments each year (page 11).

• Administration and investment fees apply to your TRIS account (page 20). • Tax applies to pension payments and withdrawals from a TRIS account if you’re under 60 (page 29). • Investment returns on a TRIS account are taxed at a rate of up to 15% (page 30). • You can’t make additional withdrawals from a TRIS account until you meet a further condition of release. • Once your TRIS account balance reaches zero, no further pension is paid. • When you turn 65, your TRIS account will be automatically converted to the rules of an Account- Based Pension (see section on this page). • If we hold a valid non-lapsing death benefit nomination, your account balance is payable to your nominated beneficiaries in the event of your death (page 13).

Eligibility to begin a TRIS You must have reached your preservation age Your preservation age depends on your date of birth: Date of birth Preservation age Before 1 July 1960 55 1 July 1960 to 30 June 1961 56 1 July 1961 to 30 June 1962 57 1 July 1962 to 30 June 1963 58 1 July 1963 to 30 June 1964 59 After 30 June 1964 60 Note: If you are (or were) a temporary resident, you are only eligible to begin a TRIS if you reached your preservation age before 1 April 2009.  Refer to Reference Guide: Access to your super for more on preservation of super and conditions of release.

Minimum opening account balance The minimum initial investment to open a Retirement Access TRIS account is $20,000. There is no maximum amount you can invest in a TRIS account. It is, however, useful to keep in mind that if you elect to convert your TRIS to the rules of an Account-Based Pension in the future, or if your TRIS must be automatically converted when you turn 65 (see below) or meet another condition of release, your balance will become subject to the transfer balance cap (page 9). TRIS account balances are excluded from this cap until another condition of release has been satisfied.

In some cases, a TRIS is converted to Account-Based Pension rules There are some circumstances in which a TRIS account will be converted to the rules of an Account-Based Pension account: • When you turn 65, your TRIS will be automatically converted. • If you request a partial withdrawal from your TRIS account on the basis that you have met a further condition of release, your remaining TRIS account balance will be automatically converted. • If your employment circumstances change in the future and you meet a further condition of release for your super, you can ask us to convert your TRIS at any time by completing our ‘Condition of release declaration’ form. This might include where you permanently retire or leave an employer at or after turning 60.

Call us on 1800 023 928 7 • If you notify us that you have met a condition of release for any other purpose or for any other account you may hold, your TRIS will be automatically converted. If you have more than one TRIS account in our fund and any of these conversion circumstances occur, all of your TRIS accounts will be converted to Account-Based Pension rules. For any condition of release other than turning 65, we are obliged to continue investing your account in the taxable TRIS investment options until you formally notify us that you have satisfied a condition of release, by either completing our ‘Condition of release declaration’ form or making a declaration on any other form for any purpose (e.g. a withdrawal request) and we update our records as soon as possible thereafter. In the event of death, your account will also continue to be invested in the taxable TRIS options until such time that we are notified of your death. Once we process any of these notifications, your account, or accounts if you hold multiple TRIS accounts, will be converted to the rules of an Account-Based Pension account.

Refer to the ‘Features of an Account-Based Pension’ chapter beginning on page 8 for more information.  Refer to Reference Guide: Access to your super for more on preservation of super and conditions of release. Important implications for converting to the rules of an Account-Based Pension Depending on your circumstances, there may be advantages to converting to the rules of an Account- Based Pension. These include no maximum annual pension payment, flexibility for additional withdrawals if required, and tax no longer applying to investment returns. To allow for the change in tax treatment on investment returns, your TRIS account balance will be switched into the equivalent non-taxable (non-TRIS) version of your existing taxable TRIS investment options upon conversion.

It is also important to keep in mind that under Account- Based Pension rules, an account balance will be subject to the transfer balance cap. This cap generally limits the total amount that you can transfer into and hold within retirement pension products to $1.6 million (indexed). The cap applies across all retirement-phase products you have, regardless of fund, and includes retirement account-based pensions, retirement income streams, defined benefit or lifetime pensions, including reversionary pensions, and other products used to support tax-free retirement income streams. Note: TRIS account balances are excluded from this cap until another condition of release has been satisfied. ! Important! If your TRIS balance is voluntarily or automatically converted to the rules of an Account-Based Pension and your transfer balance exceeds the cap, there are tax implications that apply immediately upon conversion – refer to page 9 for more information.

To request to convert a TRIS to Account- Based Pension rules Complete our Retirement Access TRIS condition of release declaration form (oursuperfund.com.au/forms) Please make sure you also read the additional information that applies to a TRIS account in the other chapters of this Member Guide, including: • Pension payments, withdrawals and beneficiaries • Investments • Fees and other costs • Risks • Tax • Additional information • How to open an account

Visit us at oursuperfund.com.au 8 Features of an Account-Based Pension Features of an Account-Based Pension 4 An Account-Based Pension is a retirement-phase pension that allows you to begin drawing an income from your super once you’ve met a condition of release. For most people this will be when you permanently retire at or after reaching preservation age. A quick overview of how an Account-Based Pension works • To begin an Account-Based Pension, you must have met a condition of release to access your super in cash (see section on this page).

• The maximum that you can transfer into and hold within retirement-phase pension products is subject to the transfer balance cap of $1.6 million (indexed) (page 9). • Investment returns on an Account-Based Pension account are tax-free. • If you’re under 65, the minimum amount you can receive in pension payments each year is 4% of your account balance. The minimum percentage increases from age 65 (page 11). • Administration and investment fees apply to your account (page 20). • Tax applies to pension payments and withdrawals from an Account-Based Pension account if you’re under 60 (page 29).

• You can generally make additional withdrawals from your account at any time (page 13). • Once your account balance reaches zero, no further pension is paid. • If we hold a valid non-lapsing death benefit nomination, your account balance is payable to your nominated beneficiaries in the event of your death (page 13) Eligibility to begin an Account- Based Pension You must have met a condition of release To access your preserved super in cash, you must meet a condition of release required by super law. This will most likely be when: • you permanently retire at or after reaching your preservation age • you turn 65, regardless of whether you are still working • you leave an employer at or after age 60, regardless of whether you are permanently retiring.

You can also use any unrestricted non-preserved part of your super to open an Account-Based Pension account, including any benefits you have received as a result of meeting the eligibility criteria for permanent incapacity or a terminal medial condition. You must also be either an Australian or New Zealand citizen or a permanent resident of Australia. Different eligibility criteria may apply if you are not a citizen or resident. There may be some other circumstances in which your super can be paid to you in cash but strict conditions apply.

 Refer to Reference Guide: Access to your super for more on preservation of super and conditions of release.

Call us on 1800 023 928 9 Preservation age Your preservation age depends on your date of birth: Date of birth Preservation age Before 1 July 1960 55 1 July 1960 to 30 June 1961 56 1 July 1961 to 30 June 1962 57 1 July 1962 to 30 June 1963 58 1 July 1963 to 30 June 1964 59 After 30 June 1964 60 Here’s a tip! If you’ve reached your preservation age but haven’t permanently retired, you can access your super in the form of a Transition to Retirement Income Stream (TRIS) – refer to the ‘Features of a TRIS’ chapter of this Member Guide (page 6) for more information.

Minimum opening account balance The minimum initial investment to open a Retirement Access Account-Based Pension account is $20,000. The transfer balance cap limits the amount you can invest An Account-Based Pension is subject to the transfer balance cap. This cap means the total amount that you can transfer into and hold within retirement-phase income streams cannot exceed $1.6 million (indexed). The products that count towards the cap include retirement account-based pensions, retirement income streams, defined benefit or lifetime pensions, including reversionary pensions, and other products used to support tax-free retirement income streams. Transition to retirement income streams are excluded from this cap until another condition of release is satisfied. The transfer balance cap applies to any existing products you hold as well as any new products you may begin in the future and applies across all products you hold, regardless of the fund or pension or annuity provider.

The Australian Taxation Office (ATO) calculates your personal transfer balance based on information it regularly receives from all pension and annuity providers. It will generally be calculated at: • 1 July 2017 if you were already receiving a retirement-phase income stream as at 30 June 2017 (when the cap was introduced), and/or • the day you begin any new retirement-phase product that counts towards the cap, and/or • the day any TRIS account is converted voluntarily or automatically to the rules of an Account-Based pension (page 6).

Your transfer balance will not be re-calculated based on changes in your account balance due to investment returns (positive or negative) or as a result of receiving pension payments. It may be reduced by any lump sum withdrawals (commutations) or family law payments out of your account, which may allow additional amounts to be transferred into retirement pension phase. You can make multiple transfers into retirement- phase income streams as long as you have availability within the cap. Your available cap space will increase proportionally with any indexation of the general transfer balance cap that applies in future years, providing you have not exceeded your cap. ! Warning! It is your responsibility to ensure that you do not breach the cap if you want to avoid paying extra tax. This is particularly important if you are planning to begin, or you become entitled to, any new pension.

If your transfer balance exceeds the cap If you’re aware that your transfer balance is over the cap, you should consider reducing your balance to or below the cap as soon as possible. You could do this by transferring any excess amount back into a super account or withdrawing it from the super system as a cash lump sum commutation. Note: Regular or irregular pension payments from your account will not reduce your transfer balance for the purposes of this cap.

Visit us at oursuperfund.com.au 10 If your transfer balance exceeds the cap, the ATO will advise you of the excess amount that you’ll need to commute or transfer out of the retirement pension phase. This will include the balance above the cap, as well as a notional earnings amount. See page 30 for more details on how notional earnings are calculated and the additional tax liability that may apply on this amount. You’ll have 60 days to act on the ATO notice without penalty. If you do not act, the ATO will issue a commutation authority instructing us, or one of your other funds if applicable, to remove the excess amount from your account.

If we receive a commutation authority for you, we must act on it and complete the withdrawal of the excess amount within 60 days of the date of issue. We will try to contact you to confirm your preferred transfer or payment instructions but if we can’t, we’ll transfer the excess amount back to an Accumulate Plus (super) account in our fund. The excess amount will be invested in the same investment options as it was in Retirement Access. If you don’t have an existing Accumulate Plus account at the time of transfer, a new account will be opened for you to receive this excess amount. You should keep in mind that fees will apply to an Accumulate Plus account in addition to your Retirement Access account. When money is transferred back into Accumulate Plus, the timing of the separate transactions on each account/product means that there will generally be at least one NSW bank business day where the funds are not invested.

Please make sure you also read the additional information that applies to an Account-Based Pension in the other chapters of this Member Guide, including: • Pension payments, withdrawals and beneficiaries • Investments • Fees and other costs • Risks • Tax • Additional information • How to open an account

Call us on 1800 023 928 11 Pension payments, withdrawals and beneficiaries 5 With a Retirement Access account, you have the flexibility to choose the pension amount and payment frequency that suits your needs. In some cases, you may also be able to withdraw extra money if you need it. Pension payments Minimum and maximum pension amounts The annual amount you can choose to receive in pension payments from your account is subject to a minimum percentage of your balance. Pension payments from a TRIS account are also subject to a maximum percentage; no maximum applies to Account-Based Pensions.

Age Minimum percentage Maximum percentage (for TRIS only) Under age 65 4% 10% 65-74 5% n/a 75-79 6% n/a 80-84 7% n/a 85-89 9% n/a 90-94 11% n/a 95 or over 14% n/a Your minimum amount, and your maximum amount if applicable, is calculated using your account balance as at 1 July each year, or using your opening balance. Your minimum amount will be pro-rated in your first year. We will let you know your new minimum and maximum amount at the beginning of each financial year. Example: If you are 64 and your account balance at 1 July is $450,000, the minimum amount you can receive in pension payments for the year is $18,000. If your account is a TRIS, a maximum pension amount of $45,000 will also apply.

If you apply to open your account during June, you can choose to defer your pension payments for that financial year. This means you will not receive your pro rata minimum amount during June; instead, your pension payments will begin from the first applicable pay date after 1 July of the new financial year. You cannot elect to defer the start date for your pension payments at any other time. If you have a TRIS account and no longer want to have a maximum pension amount applied, once you satisfy a further condition of release, such as permanently retiring, you can ask us to convert your TRIS to the rules of an Account-Based Pension. If you have more than one TRIS account in our fund, this conversion will apply to all accounts. Once you turn 65, or notify us that you have met a condition of release for any other purpose, your TRIS will be automatically converted to the rules of an Account-Based Pension. Important note: Different rules apply to Account-Based Pensions so it’s important that you understand the implications of changing account types. Refer to the ‘Features of an Account-Based Pension’ chapter beginning on page 8 for more information.

Choosing your pension amount For an Account-Based Pension, you can choose to receive your minimum amount or nominate a higher amount. For a TRIS account, you can choose to receive your minimum or maximum amount, or nominate an amount between these two figures. If you choose a payment amount other than your minimum amount, or maximum amount in the case of a TRIS, we will pay you that amount for each subsequent year as well, providing it continues to meet your new minimum or maximum requirements, or until you change your payment amount.

If, for any reason, you have not received your minimum amount during a financial year, we will automatically make a catch-up payment to you before the end of the financial year.

Visit us at oursuperfund.com.au 12 Please remember that you’ll continue to receive pension payments until there is no money left in your account. There is no guarantee that your pension will last for your lifetime. The higher your pension payment amount or the more withdrawals you make, the faster your account balance is likely to decrease. Investment returns, which may be positive or negative, will also affect your account balance. If returns are negative, the value of your account will be reduced. Refer to the ‘Risks’ chapter on page 27 and ‘Reference Guide: Invest your account’ for more information. If you choose more than one investment option for your account balance, you can choose how your pension payments, as well as administration fees, are withdrawn from those options. Refer to page 18 for more information.

Payment frequency You can choose to receive your Retirement Access pension payments: • fortnightly – each of the fund’s fortnightly pay dates • monthly – the first business day on or after the 25th day of each month • quarterly – the first business day on or after 25 March, 25 June, 25 September and 25 December • half-yearly – the first business day on or after 25 June and 25 December • yearly – the first business day on or after 25 June or another month that you advise to us in writing. When you open your account, we will make your first pension payment on the next payment date after the 14‑day cooling‑off period has expired (page 34). This will be at least 15 days after we receive your completed application form. No regular pension payments are made during the cooling-off period. Please contact us to request an irregular pension payment during the cooling-off period if required. Note: If you apply to open an account in June, depending on the payment frequency you choose and when the cooling-off period expires, you may not receive a pension payment for that financial year. If you choose a yearly payment frequency, you may not receive your first payment until 25 June of the following year, which is the next available yearly pay date. You can change your pension payment amount or payment frequency at any time. The change will generally take effect from the fund’s next applicable pay date for your new payment frequency after we receive and process your request.

Once your pension begins, you cannot temporarily stop or postpone your payments. To change payment amount or frequency Log into your account online at oursuperfund.com.au/login and go to ‘Pension payments’ under the Account admin menu (please call us to enable online transact access if required). Complete our Change of details–Retirement Access form You cannot top up your account You cannot top up a Retirement Access account with additional contributions or by transferring more super. If you want to invest additional super into a pension account, you could consider the following options: • Apply to open another pension account using the additional super, subject to minimum opening balance requirements. Please keep in mind that fees would apply to all accounts in this case. • Close your existing pension account, transfer the balance back into an Accumulate Plus account in the fund and combine it with your additional super, and then begin a new pension account with the combined amount. You should consider any tax and social security implications of closing your existing account, e.g. the rules that apply to your current account based on the date it was opened may be different or no longer apply for a new account. This can be a complex area so you should also consider seeking professional financial advice before finalising any decisions that may affect your financial future. ! Warning! Before finalising any decisions about your existing or a new account, you should be aware that if you close your existing pension account and begin a new account in order to add additional super to your pension, as part of the

Call us on 1800 023 928 13 transfer process between accounts, there will be periods where your account balance is not invested. This will include at least one NSW bank business day when your existing pension account is closed and transferred back to Accumulate Plus, as well as at least one NSW bank business day when the new combined amount is transferred back to Retirement Access to commence a new pension. Nominate a beneficiary The balance of your Retirement Access account is payable as a lump sum death benefit when you die. A death benefit from your super benefits does not automatically form part of your estate to be distributed under instructions in your Will if you have one. To provide more certainty about your specific wishes, it’s important that you make a non-lapsing death benefit nomination with us. This is a legal instruction that directs the trustee to pay the death benefit in accordance with your nomination.

If we don’t have a valid non-lapsing nomination for you at the time of your death, the trustee has the discretion to pay the death benefit to any one or more of your dependants and/or estate. Tax may be payable on a death benefit if it is paid to a non-dependant as defined under tax laws (page 30). ! Important! If you have more than one Retirement Access and/or Accumulate Plus account in our fund, the most recent valid non-lapsing death benefit nomination that you make will apply to all accounts you hold.  Refer to Reference Guide: Death benefit nominations and payments for more on the implications of non-lapsing death benefit nominations, who you can nominate as a beneficiary, how a death benefit is paid and what happens if you die without a valid nomination. To nominate a beneficiary Complete our Non-lapsing death benefit nomination form Withdrawing additional money in limited circumstances You can withdraw additional money from an Account- Based Pension account at any time.

For a TRIS account, you can only withdraw additional money from any unrestricted non-preserved benefits in your account, unless you have met a further condition of release.  Refer to Reference Guide: Access to your super for more on preservation of super and conditions of release. There is no minimum amount for additional withdrawals and no fees apply to withdraw money from your Retirement Access account. You should keep in mind that additional withdrawals may affect how long your account lasts. We must process any withdrawals from any unrestricted non-preserved benefits in your account first and proportionally from the taxable and tax-free components of your super. You cannot choose to withdraw solely from the tax-free component. If you request a partial withdrawal from your account, you will need to specify whether you are requesting an irregular pension payment or a lump sum commutation. The tax and social security implications may be different for lump sum commutations compared to your pension payments – you should take care to consider this before finalising your decision. A partial withdrawal request cannot reduce your account balance such that your minimum annual pension amount cannot be made for the financial year.

If you request a full withdrawal to close your account but have not yet received your pro rata minimum annual pension amount for the financial year, we will pay you your remaining pension amount and then process your withdrawal request.

Visit us at oursuperfund.com.au 14 How withdrawals are processed If we receive a complete transaction request before 3pm (AEST) on a NSW bank business day, it will be processed using the unit price determined for that day, providing we have received all necessary information, including a correctly completed form, together with any material we may ask for to establish your identity. This cut-off time applies to all transaction requests If we determine that a request is incomplete, it will be processed on the date that we receive the completed information subject to the cut-off time above. The unit price that applies will depend on the time we receive and can reasonably process the completed information. We may not be able to process your transaction request if another transaction exists for your account on the same day (e.g. a scheduled pension payment). ! Warning! For any withdrawal request in normal circumstances and where we have received all necessary information, please keep in mind the following transaction times: • A cash withdrawal will generally be paid within seven working days.

• Where the withdrawal request from Retirement Access also involves a deposit into another account in our fund, such as moving super from Retirement Access back into Accumulate Plus (or similarly if transferring super from Accumulate Plus into Retirement Access), the timing of the separate transactions on each account/product means that there will generally be at least one NSW bank business day where the funds are not invested. • A transfer to another Australian super fund will generally be processed within three working days.

We reserve the right to delay a transaction where there may be a concern over its legitimacy or for the security of our members. If a transaction is delayed, you will receive the unit price that applies on the day your request is processed. In some circumstances, completion of a transaction may also be delayed if there is a delay in a daily unit price being calculated for the date on which the transaction is to be processed. To withdraw a lump sum or pension amount Complete our Withdrawal request – Retirement Access form Withdrawing preserved super from a TRIS account You cannot withdraw additional money from your preserved super benefits in a TRIS account until you satisfy a further condition of release, such as permanently retiring or turning 65.

 Refer to Reference Guide: Access to your super for more on preservation of super and conditions of release. If you request a withdrawal because you have satisfied a further condition of release, we will be required to convert your TRIS to the rules of an Account-Based Pension (page 6). If you have more than one TRIS account in our fund, this conversion will apply to all accounts, regardless of the account for which the withdrawal was requested. Different rules apply to Account-Based Pensions so it’s important that you understand the implications of requesting an additional withdrawal. Refer to the ‘Features of an Account-Based Pension’ chapter beginning on page 8 for more information.

Call us on 1800 023 928 15 6 We offer five investment options for your Retirement Access account. Each has a different investment objective, level of investment risk and potential investment return, so you can choose one or a combination of options to help suit your needs. Like many types of investments, there are some risks associated with your Retirement Access account. Before making any decisions about investing your account, you should carefully consider each investment option and make sure your choices are suited to your personal circumstances and goals. You may also wish to seek professional financial advice before finalising any investment decision. For more information on advice options available to you as a member, visit oursuperfund.com.au/advice.

When comparing different investments, you should remember that investment performance is not guaranteed and past performance is not a reliable indicator of future performance. Choosing investment options Each investment option available for your account has a different level of investment risk and potential return, giving you the flexibility to tailor an investment selection to suit your own circumstances and goals. When choosing which options to invest in, or deciding if the default option is right for you, you should consider the investment objective, potential investment return, level of risk and investment timeframe of the option. You can choose one or more of the following investment options. The diversified options have a pre-mixed combination of asset classes with varying investment risk profiles, offering you the flexibility to choose the overall proportion of assets that suits your needs. Refer to ‘Investment option summary’ on pages 16–17 for more information on each investment option.

• For Account-Based Pension accounts: there are four diversified options – Conservative, Moderate, Balanced and Growth – and one single asset class option – Cash. Investment returns for these options are exempt from tax. • For TRIS accounts: there are four diversified options – Conservative TRIS, Moderate TRIS, Balanced TRIS and Growth TRIS – and one single asset class option – Cash TRIS. Investment returns for these options are taxable (page 30). Note: The overall features of the Account-Based Pension and TRIS versions of each investment option are the same, with no differences in the way the underlying assets are invested or the level of investment risk. There is a difference in how the investment objective is expressed for the diversified options, reflecting a lower overall return target for the TRIS options to account for the deduction of tax from investment returns.

Here’s a tip! We’ve arranged for a specialist team of advisers, Advice Essentials1 , to provide phone-based advice about choosing the right investment option for your account in our fund at no cost to you. Call us on 1800 023 928 and ask to speak with the Advice team, or visit oursuperfund.com.au/advice for more information. If you don’t make a choice, your account is invested in the default ‘Balanced’ option If you do not nominate an investment selection when you open your account, we will invest your balance in the fund’s default investment option. The default is the Balanced option for Account-Based Pensions or the Balanced TRIS option for TRIS accounts. Your account balance will remain in your nominated investment option, or the default option if applicable, unless you notify us otherwise.

Note: We do not make any representations about whether the default option is the most appropriate option for you. You should consider your own circumstances and/or seek professional financial advice to decide which options are best for you. Investments 1 The Advice Essentials team operates under Commonwealth Financial Planning Limited (ABN 65 003 900 169, AFSL 231139).

Visit us at oursuperfund.com.au 16 Investment option summary Investment option name Cash / Cash TRIS Conservative / Conservative TRIS Description This is a single asset class option that invests 100% in the cash asset class. This diversified option invests across most major asset classes. It is dominated by income assets, with a smaller proportion in growth assets. Investment objective To achieve an average return (before applicable taxes and fees) that exceeds that of the Bloomberg AusBond Bank Bill index over a 1-year period.

To achieve an average return (after applicable taxes and fees) over a 3-year period as follows: • TRIS: CPI + 1% p.a. • Account-Based Pension: CPI + 2% p.a. Expectation of negative annual returns Not expected for this option 3 years in every 20 years Minimum suggested investment timeframe2 Short term – 1 year or more Short to medium term – 3 years or more Investment risk Very low 1 7 6 5 4 3 2 Medium 1 7 6 5 4 3 2 Strategic asset allocation Note: The longer-term targets are shown for each investment option but the trustee may vary the benchmark allocation within the ranges shown in brackets. The actual proportion of individual asset classes may vary slightly from the benchmark due to investment fluctuations. Fixed Interest & Cash 100% (100%) The Fixed Interest & Cash allocation for this option invests 100% in cash.

Fixed Interest & Cash 67% (62−72%) Alternatives 5% (2−8%) Real Assets 8% (3−13%) Multi-Assets 10% (7−13%) Shares 10% (7−13%) 2 Timeframes have been determined having regard to the investment objective for the option

Call us on 1800 023 928 17 Moderate / Moderate TRIS Balanced / Balanced TRIS Growth / Growth TRIS This diversified option invest across most major asset classes. It is broadly balanced between growth assets and income assets. This diversified option invests across most major asset classes. It is dominated by growth assets, with a smaller proportion in income assets. This diversified option invests across most major asset classes. It is dominated by growth assets, with a smaller proportion in income assets. To achieve an average return (after applicable taxes and fees) over a 5-year period as follows: • TRIS: CPI + 1.5% p.a. • Account-Based Pension: CPI + 2.5% p.a.

To achieve an average return (after applicable taxes and fees) over a 5-year period as follows: • TRIS: CPI + 2.5% p.a. • Account-Based Pension: CPI + 3.5% p.a. To achieve an average return (after applicable taxes and fees) over a 7-year period as follows: • TRIS: CPI + 3% p.a. • Account-Based Pension: CPI + 4% p.a. 4 years in every 20 years 5 years in every 20 years 5 years in every 20 years. Medium to long term – 5 years or more Medium to long term – 5 years or more Long term – 7 years or more Medium–High 1 7 6 5 4 3 2 High 1 7 6 5 4 3 2 High 1 7 6 5 4 3 2 Fixed Interest & Cash 42% (37−47%) Alternatives 7% (3−11%) Real Assets 13% (6−20%) Multi-Assets 18% (14−22%) Shares 20% (16−24%) Fixed Interest & Cash 17% (13−21%) Alternatives 10% (5−15%) Real Assets 18% (9−27%) Multi-Assets 25% (20−30%) Shares 30% (25−35%) Fixed Interest & Cash 5% (2−8%) Alternatives 10% (5−15%) Real Assets 20% (9−31%) Multi-Assets 25% (20−30%) Shares 40% (35−45%)

Visit us at oursuperfund.com.au 18 Switching investment options You can switch investment options for your account at any time, subject to transaction cut-off times shown in the following section. There is no switching fee. For TRIS accounts, you can only switch into another taxable TRIS investment option; similarly, for Account- Based Pensions you can only switch into another non-taxable (non-TRIS) investment option. To change investment options Log into your account online at oursuperfund.com.au/login and go to ‘Switch/Change funds’ under the Transacting menu (please call us to enable online transact access if required).

Call us on 1800 023 928 Complete our Investment selection or switch – Retirement Access form If you have a TRIS account that is voluntarily or automatically converted to the rules of an Account- Based Pension (page 6), your account balance will be switched from your existing TRIS investment options into the equivalent non-taxable (non-TRIS) investment options. Transaction cut-off time If we receive a complete transaction request before 3pm (AEST) on a NSW bank business day, it will be processed using the unit price determined for that day, providing we have received all necessary information, including a correctly completed form (if applicable), together with any material we may ask for to establish your identity. This cut-off time applies to all transaction requests, whether made online via FirstNet, or by phone or form where available.

If we determine that a request is incomplete, it will be processed on the date that we receive the completed information subject to the cut-off time above. The unit price that applies will depend on the time we receive and can reasonably process the completed information. We may not be able to process your transaction request if another transaction exists for your account on the same day (e.g. a scheduled pension payment). Note: We reserve the right to delay a transaction where there may be a concern over its legitimacy or for the security of our members. If a transaction is delayed, you will receive the unit price that applies on the day your request is processed.

 Refer to Reference Guide: Invest your account for more on unit pricing and how it applies to transaction processing. Nominating how pension payments and fees are withdrawn from investment options If you select more than one investment option for your account, you can give instructions for how your pension payments and monthly administration fees are withdrawn from those options. For pension payments, you can specify either: • an order of payment from your investment options, in which case we will withdraw each pension payment only from the first investment option you nominate. Once there is no money left in that option, we will begin withdrawing from the second investment option you nominated, and so on. • a percentage payment from two or more investment options, in which case we will withdraw each pension payment in line with the proportion of options that you specify. Once there is no money left in one or more of your selected options, we will make pension payments from the remaining option or options that have a balance.

For deduction of fees, you can nominate one investment option only; this does not have to be one of the options you specified for your pension payment deductions. If you don’t nominate an option or there are insufficient funds in the option you choose, pension payments and fees will be deducted according to the trustee’s default investment option order, which is generally from the most conservative of your investment options first. Call us for more information about the current default order if required.

Call us on 1800 023 928 19 Automatically keep the same allocation of investment options If you choose more than one investment option for your account, over time the proportion of your account in each option may vary from the percentage split that you originally selected due to different investment performance for each option and other factors such as pension payments or the deduction of administration fees. You can, however, set up your account to be automatically re-balanced to your chosen proportion on a regular basis.

 Refer to Reference Guide: Invest your account for more on how auto-rebalancing works. Keeping track of your account balance and investment performance The value of your account balance depends on the number of units you hold in an investment option and the unit price for that investment option at any given time. You can check daily unit prices and investment performance at oursuperfund.com.au/returns. Returns for Account-Based Pension (non-TRIS) investment options are exempt from tax and are therefore based on non-taxable unit prices. From 1 July 2017, returns that apply to a TRIS account are subject to tax, therefore returns for the TRIS investment options are based on non-taxable unit prices from the date of inception 9 June 2017 to 30 June 2017 and on taxable unit prices from 1 July 2017 onwards.

The actual return that applies to your account balance depends on the options your account is invested in and the timing of any transactions into and out of these options, e.g. pension payments, investment switches, withdrawals or fee deductions. You can check your account balance at any time by logging into your Retirement Access account at oursuperfund.com.au/login and selecting ‘Account Balance’ under the View menu option.  Refer to Reference Guide: Invest your account for more on how unit prices are calculated and how they are used to determine your account balance.

Here’s a tip! If you’re a Commonwealth Bank Group customer with a NetBank ID, you’ll be able to see your account balance in the Bank’s NetBank platform and CommBank App. You can also set up a single sign-on between NetBank and FirstNet to make it even easier to keep in touch with your super. How your investments are managed The trustee selects a range of professional investment managers to manage the fund’s assets, which includes the super in your Retirement Access account. Each investment manager is allocated a portion of the fund’s assets to manage based on its specialist skills. A list of our investment managers is included on our website at oursuperfund.com.au/managers. Understanding and managing risk As an investment product, your account is subject to certain investment risks.

Each investment option available for your account has a different investment objective, asset mix and investment fee. All investments are subject to varying risks.  Refer to the ‘Risks’ chapter beginning on page 27 of this PDS and Reference Guide: Invest your account for more on how investment risks can be managed.

Visit us at oursuperfund.com.au 20 Fees and other costs 7 Fees and other costs Note: This boxed information is required by law. We don’t negotiate fees and costs with employers or members. 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. 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 Australian Securities and Investments Commission (ASIC) website (www.moneysmart.gov.au) has a superannuation calculator to help you check out different fee options. This document shows the fees and costs that you may be charged. These fees and other costs may be deducted from your account, from the returns on your investment or from the fund assets as a whole. Other fees, such as activity fees and advice fees for personal advice, may also be charged but these will depend on the nature of the activity or advice chosen by you. Taxes are set out in another part of this document. You should read all the information about fees and other costs because it is important to understand their impact on your investment. The fees and other costs for each investment option offered by the entity are set out on page 23. Retirement Access Type of fee Amount (net of GST) How and when paid Investment fee 3,4 0.08%–0.58% of balance per year (estimated for the 12 months to 30 June 2018), depending on the investment option (see page 23 for fees for particular investment options) Deducted daily from the option’s assets and factored into unit prices and investment returns Administration fee Account-Based Pension: Fixed fee of $66 per year plus asset-based fee of 0.17% of balance per year TRIS3 : Fixed fee of $77.65 per year plus asset-based fee of 0.17% of balance per year Account-Based Pension: Fixed fee of $5.50 deducted from balance monthly; Asset-based fee deducted daily from option’s assets and factored into unit prices and returns TRIS3 : Fixed fee of $6.47 deducted from balance monthly; Asset-based fee deducted daily from option’s assets and factored into unit prices and investment returns Buy/sell spread Nil Not applicable Switching fee Nil Not applicable Exit fee Nil Not applicable Advice fees relating to all members investing in a particular investment option Nil Not applicable Other fees and costs Fees for personal advice may apply if you use this feature Amount is agreed between you and your adviser and deduced from account balance Indirect cost ratio Nil Not applicable—the trustee has determined to include all indirect costs in investment fees 3 For Retirement Access TRIS accounts, the actual fees applied may be less than the figures shown, as any tax benefit that the fund is entitled to may be passed on to TRIS members as reduced fees (page 26).

4 Remember that past costs are not a reliable indicator of future costs.

Call us on 1800 023 928 21 Additional explanation of fees and costs Comparing fees and costs Not all super funds pursue the same investment strategies and therefore they may invest in different ways, which means the costs of investing will generally vary between funds. Although all funds must generally calculate and disclose their fees and costs under the same rules, there may be differences in the way they are allocated under fee labels. For example, we disclose all costs, such as management fees and custody costs, in our investment fee, while other funds may include this as part of their indirect cost ratio. To compare the total cost of investing in different super products, considering the total effect of all fees will generally be more useful than comparing individual fee types.

Defined fees The following fees and costs are defined by law. We do not charge all of these defined fees to you in relation to your account. For more information about the type and amount of the fees and costs that apply to your Retirement Access account, refer to the following sections. Type of fee Definition Applies in Retirement Access? Investment fee An investment fee is a fee that relates to the investment of the fund’s assets and includes (a) fees in payment for the exercise of care and expertise in the investment of those assets (including performance fees), and (b) costs that relate to the investment of fund’s assets, other than (i) borrowing costs; and (ii) indirect costs that are not paid out of the fund that the trustee has elected in writing will be treated as indirect costs and not fees, incurred by the trustee or in an interposed vehicle or derivative financial product; and (iii) costs that are not otherwise charged as an administration fee, buy-sell spread, switching fee, exit fee, activity fee, advice fee or insurance fee. Note: this fee does not include implicit transaction costs, borrowing costs or property operating costs .

Yes, applies to all members (page 22) Administration fee An administration fee is a fee that relates to the administration or operation of the fund and includes costs that relate to that administration or operation, other than (a) borrowing costs; and (b) indirect costs that are not paid out of the fund that the trustee has elected in writing will be treated as indirect costs and not fees, incurred by the trustee or in an interposed vehicle or derivative financial product; and (c) costs that are otherwise charged as an investment fee, buy-sell spread, switching fee, exit fee, activity fee, advice fee or insurance fee.

Yes, applies to all members (page 22) Buy-sell spread A buy/sell spread is a fee to recover transaction costs incurred by the trustee in relation to the sale and purchase of the fund’s assets. No Switching fee A switching fee is a fee to recover the costs of switching all or part of your interest in the fund from one investment option or product to another. No Exit fee An exit fee is a fee to recover the costs of disposing of all or part of your interests in the fund. No Advice fees A fee is an advice fee if (a) the fee relates directly to costs incurred by the trustee because of the provision of financial product advice to you by the trustee or another person acting as an employee of, or under an arrangement with, the trustee, and (b) those costs are not otherwise charged as an administration fee, investment fee, switching fee, exit fee, activity fee or insurance fee.

Yes, may apply only if you use this feature (page 26)

Visit us at oursuperfund.com.au 22 Type of fee Definition Applies in Retirement Access? Activity fees A fee is an activity fee if (a) the fee relates to costs incurred by the trustee that are directly related to an activity of the trustee that is engaged in at the request, or with the consent, of a member, or that relates to a member and is required by law, and (b) those costs are not otherwise charged as an administration fee, investment fee, buy-sell spread, switching fee, exit fee, advice fee or insurance fee.

No Insurance fees This fee relates directly to either or both of (i) insurance premiums paid by the trustee in relation to members, or (ii) costs incurred by the trustee in providing insurance for members (where those costs are not otherwise charged as another type of fee in this list). No, insurance is not available Indirect cost ratio The indirect cost ratio (ICR) for an investment option offered by the fund is the ratio of the total of the indirect costs for the investment option to the total average net assets of the fund attributed to the investment option. Note: A dollar-based fee deducted directly from your account is not included in the ICR.

No5 Administration fee The administration fee that applies to your Retirement Access account has two components: i) A fixed amount of $5.50 (gross) for Account- Based Pension accounts or $6.47 (gross) for TRIS accounts is deducted from your account balance each month, totalling $66 or $77.65 (gross) per year respectively. ii) An asset-based fee of 0.17% (gross) of your account balance per year is not deducted directly from your account balance but is deducted from the assets of the investment option and factored into unit price calculations and investment returns. Note: For Retirement Access TRIS accounts, the actual administration fee applied may be less than the gross figures shown for each component above because we may pass our tax benefit on to you (page 26). Here’s a tip! If you select more than one investment option for your account, you can choose the investment option from which the fixed monthly administration fee is deducted. If you don’t choose an option or if there are insufficient funds in the option you choose, fees will be deducted according to the trustee’s default investment option order, which is generally from the most conservative of your selected investment options first. If required, please call us for more information about the current default order.

Investment fee The investment fee that applies to your Retirement Access account is different for each investment option, as shown in column ‘B’ of Table 1 on page 23. This fee is not deducted directly from your account balance but is deducted from the assets of the investment option and factored into unit price calculations and investment returns. Depending on the investment options that apply to your account, the investment fee for the 12 months to 30 June 2018 is estimated to be between 0.08% p.a. and 0.58% p.a. of your account balance invested in the option. Please note that past costs are not a reliable indicator of future costs – refer to the ‘Important note’ on page 23 for more information.

The investment fee has two components: i) An investment management component includes fees paid to the trustee’s investment managers and custodian either directly, where assets are managed via a mandate structure, or indirectly, where we invest through an external unit trust. ii) A component of other investment-related costs includes costs such as brokerage, buy/sell spread of unit trust investments, settlement and clearing costs, stamp duty costs, and over-the-counter (OTC) derivative costs. 5 The trustee has determined to include all indirect costs as part of investment fees.

Call us on 1800 023 928 23 Estimate of investment and administration fees and costs affecting investment returns Table 1 on this page gives an estimate of the total gross investment and administration fees and costs that are deducted from the assets of the investment option and factored into unit price calculations and returns for each investment option. Important note! Investment fees are estimates of fees and costs paid in the 12 months to 30 June 2018. Past costs are not a reliable indicator of future costs, and costs may vary from year to year depending on the allocation of assets between the fund’s investment managers and the investment activity of each manager. As a guide, we estimate that the investment fee (total) for 2018-19 for each investment option may vary by up to 0.05% from the figures in Table 1 (column B). For example, the investment fee for 2018-19 for the Balanced option could be between 0.51% p.a. and 0.61% p.a. The estimates for 2018-19 are based on information available as at the date this document was issued but may be updated in the future. You can refer to oursuperfund.com.au/memberbooklets for any update notices that we may issue in regards to fee estimates.

For Table 1, please also keep in mind: • The ‘total estimated fees affecting returns’ column (far right) in Table 1 includes only the fees that are deducted from the assets of the investment option and factored into unit price calculations and investment returns. The fixed administration fee that is deducted directly from your account balance each month (page 22) is payable in addition to the fees shown in the table. • For Retirement Access TRIS accounts, the actual administration and investment fees applied may be less than the gross figures shown in Table 1 as any tax benefit that the fund is entitled to may be passed on to you (page 26).

Transaction costs Transaction costs include custody, brokerage, stamp duty, clearing costs or other charges associated with buying, selling and holding the fund’s assets. If the amount payable to acquire an investment exceeds the price for which it would be disposed of at that time, the difference is also a transaction cost. Some transaction costs, such as brokerage, vary depending on trading activity in our investment portfolios. Table 2 on page 24 shows the total estimated transaction costs for each investment option, as a percentage of the value of the option. Table 1: Estimate of total fees and costs affect investment returns for the 12 months ending 30 June 2018 Investment option Asset-based administration fee (% p.a.) Estimated investment fees (% p.a.) Estimated indirect cost ratio (% p.a.) Total estimated fees affecting returns (% p.a.) Investment fee (total) Investment management component Other investment- related costs component (A) (B) (C) (D) (E) =A+B+E Cash / Cash TRIS 0.17 0.08 0.07 0.01 0 0.25 Conservative / Conservative TRIS 0.17 0.35 0.25 0.10 0 0.52 Moderate / Moderate TRIS 0.17 0.48 0.34 0.14 0 0.65 Balanced / Balanced TRIS 0.17 0.56 0.41 0.15 0 0.73 Growth / Growth TRIS 0.17 0.58 0.43 0.15 0 0.75 = +

Visit us at oursuperfund.com.au 24 The transaction costs shown in column B of Table 2 are already included in the investment fee from Table 1 (column B) and therefore do not represent an additional cost to you. These explicit costs are often the known amounts that may be paid out from the fund to implement a transaction or paid for in other ways, e.g. offset against sale proceeds. Some transaction costs are not included in the investment fee from Table 1 but are included as part of the net purchase or sale price for the underlying asset. These implicit costs, shown in column C of Table 2, represent an additional cost to you but they are not deducted directly from your account balance; they are deducted from the assets of the investment option and factored into unit price calculations and investment returns.

The trustee does not currently charge a buy/sell fee for any of our investment options, so no portion of the total transaction costs are recoverable in this way. All costs in Table 2 are estimates of costs paid in the financial year ending 30 June 2018. The figures include the net effect of GST but for TRIS accounts, exclude any tax benefit that may be passed on to you (page 26). Please note that past costs are not a reliable indicator of future costs. Borrowing costs The borrowing costs included in Table 2 (column D) include all costs of borrowing such as interest, legal fees and other related costs for the fund’s Real Assets investments (property and infrastructure). These costs represent an additional cost to you but they are not deducted directly from your account balance; they are deducted at least monthly from the assets of the investment option and factored into unit price calculations and investment returns.

Additional property operating costs Property operating costs relate to the management of property assets and may include costs such as council and water rates, utilities, lease renewal costs, security, elevator and air conditioning maintenance and general property management costs. These costs are excluded from the investment fees in Table 1 and transaction costs in Table 2. An estimate of the total property operating costs is shown in Table 3 on page 25. A portion of these costs has no impact to you as some costs are paid by the property tenants. Costs that are not recoverable from tenants represent an additional cost to you but they are not deducted directly from your account balance; they are deducted at least monthly from the assets of the investment option and factored into unit price calculations and investment returns. Table 2: Estimate of total transaction costs and borrowing costs for the 12 months ending 30 June 2018 Investment option Estimated transaction costs (% p.a. gross) Estimated borrowing costs (% p.a. gross) Total transaction costs Costs already included in investment fee (Table 1) Costs not included in investment fee Costs not included in investment fee (A) (B) (C) (D) Cash / Cash TRIS 0.02 0.01 0.01 n/a Conservative / Conservative TRIS 0.10 0.05 0.05 0.01 Moderate / Moderate TRIS 0.13 0.07 0.06 0.01 Balanced / Balanced TRIS 0.14 0.08 0.06 0.01 Growth / Growth TRIS 0.17 0.10 0.07 0.01 = +

Call us on 1800 023 928 25 All costs in Table 3 are estimates of costs paid in the financial year ending 30 June 2018. The figures include the net effect of GST but for TRIS accounts, exclude any tax benefit that may be passed on to you (page 26). Please note that past costs are not a reliable indicator of future costs. Note: Property operating costs only apply to the fund’s investment options that have an asset allocation to the fund’s Real Assets investments. Table 3: Estimate of total property operating costs for the 12 months ending 30 June 2018 Investment option Estimated total property operating costs (% p.a. gross) Cash / Cash TRIS n/a Conservative / Conservative TRIS 0.08 Moderate / Moderate TRIS 0.13 Balanced / Balanced TRIS 0.17 Growth / Growth TRIS 0.18 Example of annual fees and costs This table gives an example of how the fees and costs for the Balanced or Balanced TRIS option for this superannuation product can affect your superannuation investment over a 1 year period. You should use this table to compare this superannuation product with other superannuation products.

Example – Balanced (or Balanced TRIS) option Balance of $50,000 Investment fees 0.56% For every $50,000 you have in the superannuation product, you will be charged $280 each year PLUS Administration fees Account-Based Pension: 0.17% + $66 ($1.27 per week) TRIS: 0.17% + $77.65 ($1.49 per week) AND For Account-Based Pension accounts you will be charged administration fees of $85, together with $66 regardless of your balance For TRIS accounts you will be charged administration fees of $85, together with $77.65 regardless of your balance PLUS Indirect costs for the superannuation product Nil AND indirect costs of $0 each year will be deducted from your investment EQUALS Cost of product For Account-Based Pension accounts: If your balance was $50,000, then for that year you will be charged fees of $431 for the superannuation product.

For TRIS accounts: If your balance was $50,000, then for that year you will be charged fees of $442.65 for the superannuation product. The figures in this example are based on the investment fee for the Balanced or Balanced TRIS option estimated for the 12 months to 30 June 2018, and include the net effect of GST. Investment fees for other options are different – see page 23. Additional fees may apply. This example is for illustrative purposes only. Remember that your actual account balance and the value of investment options will vary daily, which will affect the actual fees and costs charged. In addition, for TRIS accounts the actual amount you pay may be less than these figures, as we may pass on a tax benefit to you (page 26).

Visit us at oursuperfund.com.au 26 Advice fee As part of the services we offer, we have arranged for a specialist team of financial advisers, the Advice Essentials team of Commonwealth Financial Planning Limited (ABN 65 003 900 169, AFSL 231139), to provide advice to you over the phone about your Retirement Access account. A fee does not apply if you use this service for advice relating to investment options within your Retirement Access account – this is known as intra-fund advice. If you would like to talk to one of these advisers, simply call us on 1800 023 928 and ask to speak with the Advice team.

Advice fees for financial advice may apply if you request advice about your account in our fund in the following circumstances: • A fee may apply if you receive super-related advice from the Advice Essentials team that is outside the scope of intra-fund advice. In this case the adviser will let you know before providing the advice and if you agree to proceed, you can elect for us to pay this fee to Advice Essentials and deduct the amount from your Retirement Access account balance. • If you receive financial advice from any authorised financial adviser of your choice in relation to your account in our fund and agree to a fee, you may elect for us to pay that fee to your adviser and to deduct the amount from your Retirement Access account balance.

An advice fee will only be deducted from your account where both you and your financial adviser agree and complete our ‘Request to pay advice fee’ form, available from oursuperfund.com.au/forms. The payment of an advice fee will be deducted from your account effective the first business day on or after the 5th day of each month. A new form is required for each fee deduction request. A limit of one advice fee payment can be deducted from your account in a 12-month period and the maximum payment amount of the advice fee is $5,000 (including GST).

The payment of any advice fee cannot reduce your Retirement Access account balance below an amount required to satisfy your minimum annual pension payment requirement. Note: We do not supervise and we are not responsible for the provision of financial advice services by any financial adviser, other than intra-fund advice provided by Advice Essentials. The cost of any financial advice that does not relate to your account in our fund cannot be deducted from your account. We may pass a tax benefit on to you The fund is entitled to a tax benefit on the gross administration fees and investment fees that we pay to our service providers for TRIS accounts. We may pass this tax benefit on to TRIS members by reducing the fees that you pay. Investment returns on Account- Based Pension accounts are not taxed, therefore a tax benefit does not apply.

Fees will generally be shown as the gross amount in the PDS. The actual net amount that a TRIS member pays after the tax benefit is applied may be less than the figures shown. This may also apply to an advice fee we may pay at your request. On your benefit statement and in some other documents, you may see both the gross and net figures reflected for fees. Changes to fees and charges We strive to ensure our fees and costs remain competitive to help you save more for your retirement. We reserve the right to vary our fees or introduce a new fee at our discretion and any time without your consent. If we increase a fee other than investment fees or introduce any new fee, we will notify you at least 30 days before the change is to take effect. If we increase investment fees, we will notify you as required by law. Tax may also apply Depending on your circumstances, tax may also apply to pension payments, cash lump sum commutations or death benefits paid from your Retirement Access account.

Refer to the ‘Tax’ chapter of this PDS (beginning on page 29) or ‘Reference Guide: How super is taxed’ available from oursuperfund.com.au/memberbooklets for more information.

Call us on 1800 023 928 27 Risks 8 Like all investment products, there are some risks associated with a pension. The level of risk that’s right for you depends on factors such as your age, investment timeframe, personal risk tolerance and any other investments you have. You should consider your own circumstances and goals in any decisions about your financial future. Investment risks • Investment returns are not guaranteed and may be positive or negative, which means the value of your account may rise or fall at any time. If returns are negative, this will reduce the value of your account. • The level of investment returns will vary and future returns may differ from past returns.

• All investments carry risk. Each investment option, as well as individual asset classes, has a different level of investment risk and potential level of investment return. Growth assets such as shares, real assets and alternatives, or investment options that have a higher weighting to these asset classes, have higher investment risk. This means their value may fluctuate in the short term but they have the potential for higher returns over the longer term. Income assets such as cash and fixed interest may produce more stable returns in the short term but generally produce lower returns over the longer term.

• Diversification is an important tool for managing investment risk. Diversifying simply means spreading investments across different assets and asset classes, so that if one of your assets or asset classes is not performing well at a particular time, others that may be performing better at that time may help reduce your overall risk exposure. Our four diversified investment options do this diversification for you automatically by investing in a range of different asset classes and assets. • Your account will be invested in the default Balanced or Balanced TRIS investment option if you do not make an investment choice. This option has a high level of investment risk (based on a standard risk measure (SRM) of 6) and a negative investment return may be expected for this option for around five in every 20 years. We don’t make any representations about whether this is the most appropriate option for your circumstances.  Refer to Reference Guide: Invest your account for more on how investment risk is managed. Longevity risks • There is no guarantee that your account balance will last for your lifetime. Your pension payments will cease when your account balance reaches zero. • The higher your pension payments and the more withdrawals you make, the faster your balance will decrease. Investment returns, which may be positive or negative, will also affect your account balance. • You cannot contribute or transfer super into your Retirement Access account once it is opened. Social security implications • Pension payments and cash lump sum commutations from your account may have implications on income and assets tests if you plan to apply for or currently receive government social security benefits.

• Social security can be a complex area so you should seek professional financial advice before finalising any decisions that may affect your financial future.

Visit us at oursuperfund.com.au 28 Other risks • Laws relating to super, or associated areas such as tax or social security, may change in the future. • Processing of a withdrawal request, if allowed for your account, may be delayed if there is a concern over the legitimacy of the request or for the security of our members. A transaction may also be delayed if there is a delay in a daily unit price being calculated, or in limited circumstances such as an investment option being suspended, restricted or unavailable.

• Your super and pension savings may not adequately provide for your retirement. • The transfer balance cap of $1.6 million (indexed) may mean that you cannot transfer all of your super into a retirement-phase pension product. Insurance risks • Insurance is not available in Retirement Access, therefore you will need to make other arrangements if you wish to have cover for death or disability. Before opening a pension account, you should carefully consider the implications that withdrawing from or closing a super account may have on any existing insurance or eligibility for cover. • In some limited circumstances, you may be eligible for insurance cover through other arrangements, e.g. if you have an Accumulate Plus account or defined benefit in the fund. Refer to the PDS or Member Booklet for your other account for more information on death and disability insurance.

Call us on 1800 023 928 29 Tax Tax 9 Super may be a tax-effective way of saving for and receiving an income in retirement compared to other types of investments. However, there can be significant tax implications associated with super. Important! The taxation system is complex and different rules may apply depending on your individual circumstances. The information in this chapter is an overview of some of the tax implications at the date this PDS was prepared (1 July 2018) but changes may occur in the future. You should consider seeking professional taxation advice before making any decisions that affect your financial future. Make sure we have your TFN You should provide us with your tax file number (TFN). It is not an offence to choose not to provide your TFN but if we don’t have it, we may have to deduct tax at the highest marginal tax rate (plus Medicare and other applicable levies) from your pension payments. To provide your TFN Complete the Tax file number declaration at the back of this PDS Call us on 1800 023 928 Log into your account online and go to ‘Tax File Number’ under the Account Admin menu option. Call us to enable online transact access if required.

 Refer to Reference Guide: How super is taxed for more on the providing your TFN. Taxable and tax-free components The tax-free component of the super that you use to open your Retirement Access account is divided by your total pension account balance to determine the proportion of your pension payments that is tax-free. The remaining proportion represents your taxable component. Any lump sum commutations from your account will also use this same tax-free component proportion from the commencement of your pension. The taxable component may be subject to tax, depending on your age at the time of receiving the payment and what type of payment you elect to receive.

Example: Your opening Retirement Access balance is $400,000 – $270,000 taxable component and $130,000 tax-free component. The tax-free component of your account is therefore $130,000 ÷ $400,000 = 0.325 (or 32.5%) and the taxable component is 67.5%. Tax on pension payments Aged 60 or over Retirement Access pension payments are tax-free Under age 60 PAYG Withholding tax is payable on the taxable component of your Retirement Access pension payments (see below) Pay As You Go (PAYG) Withholding tax means that we must withhold tax from your pension payments and send it to the ATO. The amount of withheld tax depends on the amount of the taxable component of your pension payment and whether you have provided us with a valid TFN, as well as any other information you provide us on a ‘TFN declaration’ form. Superannuation pension tax offset If you have reached your preservation age but have not yet turned 60, or if your pension qualifies as a disability or death benefit pension, you are entitled to a tax offset of 15% of your assessable pension income, which is your annual pension payment amount less your tax-free pension amount.

Example: You elect an annual pension payment amount of $23,000 and the tax-free component of your annual pension is $1,500. Your tax offset is 15% of your assessable pension income, which is 15% x ($23,000 – $1,500), or $3,225.

Visit us at oursuperfund.com.au 30 Tax on lump sum withdrawals Aged 60 or over Lump sum withdrawals (also called commutations) are tax- free. Between your preservation age and age 60 No tax is payable on the tax-free component, or the amount of the taxable component up to the low rate threshold, which is $205,000 for 2018–19 (see below). The amount of the taxable component over the low rate threshold is taxed at 17%. Under your preservation age The taxable component of the lump sum is taxed at 22% All tax rates include 2% Medicare levy and assume a valid TFN has been provided. If your marginal tax rate is lower than the applicable tax rate in the table above, you may be entitled to receive a tax rebate.

For more information on preservation age, refer to page 6 or page 9. The low rate threshold is a lifetime threshold that applies to all lump sum commutations made from your super. The amount is indexed to Average Weekly Ordinary Time Earnings (AWOTE) in $5,000 increments (rounded down). Lump sum commutations must be made proportionally from the tax-free and taxable components of your account; you cannot choose to withdraw solely from the tax-free component. Different tax treatment may apply if you are a temporary resident.

Tax on investment returns Investment returns applied to investment options in the retirement phase, such as an Account-Based Pension account, are tax-free. Investment returns applied to investment options for a TRIS account are generally taxed at 15%, which is the same as super in the accumulation phase. This tax is not deducted directly from your account but is deducted from returns for the TRIS investment options through unit pricing. Tax on notional earnings on amounts above the transfer balance cap If the ATO determines that your transfer balance exceeds the $1.6 million (indexed) cap (page 9), they will advise you of an amount that you’ll need to either commute or transfer out of the retirement pension phase. This will include the excess amount of your balance above the cap and a notional earnings amount.

Notional earnings are calculated at the ATO’s General Interest Charge (GIC) rate, compounded daily until the excess amount is commuted or transferred out of the retirement pension phase. As a guide, the GIC annual rate is 8.77% as at April–June 2018, updated quarterly. In addition to having to remove the excess and notional earnings amounts from your account, you may be required to pay tax on the notional earnings. For assessments during 2017–18, the tax rate on notional earnings is 15%. For assessments from 1 July 2018, the tax rate is 15% for the first assessment and 30% for subsequent assessments.

Tax on death benefits A death benefit from your Retirement Access account is paid as a lump sum and is tax-free if it is paid to an eligible dependant, as defined under tax laws. Tax applies if a death benefit is paid as a lump sum to a non-dependant under tax laws. The definition of a dependant under tax laws and super laws may be different. When considering the tax implications of a lump sum death benefit payment, you should consider the definition that applies under tax laws.  Refer to Reference Guide: How super is taxed for more on how tax may apply to death benefits and the definition of a dependant under tax laws.

Call us on 1800 023 928 31 Additional information Additional information 10 In addition to the information in this chapter, you should refer to ‘Reference Guide: General Information’ for more information about features of Retirement Access. Privacy We are committed to protecting the personal and sensitive information that we may hold about you. The fund’s privacy policy complies with the Australian Privacy Principles and the Privacy Act 1998, which govern the way we collect, use, exchange and secure information about you.

The information we collect about you may come directly from you or may indirectly come from other people, such as your employer. In some cases we may exchange this information with our service providers, some of which may be based overseas – refer to our Privacy Policy from oursuperfund.com.au/privacy for more detail. The information we collect is used primarily for the purpose of managing the affairs of the fund and helping our members maximise their superannuation benefits. This may include administering your account, managing our relationship with you, or providing you with information about products and services that may help you understand and make decisions about your investment and retirement savings, or it may be required to ensure we comply with our legal obligations. As a member, you generally have the right to request access to any information that we hold about you. There is no fee to make a request but an access charge may apply to cover the cost of providing the information. If applicable, we will let you know of any charge before acting on a request.

If we don’t have the right information about you, this can affect our ability to manage your super account or comply with our legal obligations. Therefore, it is important that we hold the correct information for you. You can ask us to correct any inaccurate information at any time and we will take all reasonable steps to do so. There is no charge for these requests. We encourage you to find out more about how we use and protect your personal information by reading our Privacy Policy, which is available from our website oursuperfund.com.au/privacy or you can request a copy free of charge by contacting us. If you think there is a breach of your privacy, you can contact our privacy officer on 1800 023 928 or oursuperfund@cba.com. au to discuss this.

Exchanging member information with the Commonwealth Bank Group If you’re a Commonwealth Bank Group customer with a NetBank ID, you’ll be able to see your account balance in the Group’s NetBank platform and CommBank App. You can also set up a single sign-on between NetBank and FirstNet to make it even easier to keep in touch with your super. Exchanging some member information with the Group is required to make this feature available to members. For more information, including how you can opt out if you wish, refer to oursuperfund.com.au/ privacy.

Enquiries and complaints The fund has a formal process for handling complaints about its operation or management. In the event that our internal process doesn’t achieve a timely resolution, the process also includes escalation to an external independent complaints resolution body, but the internal process must be engaged in the first instance. For enquiries or complaints, in the first instance you should contact us by phone, email or in writing and we will acknowledge to you that we have received your complaint. We will make every effort to respond to your complaint as soon as possible but please understand that in some cases it may take time to collect any relevant information.

Visit us at oursuperfund.com.au 32 Our internal procedures ensure that your matter is dealt with within 90 days, which is the timeframe provided under super law. If it takes longer than 90 days to issue you with a final response, we will write to you explaining why a decision has not yet been made and give you an updated timeframe. If it takes longer than 90 days for us to respond, or you are not satisfied with the way that we deal with your complaint or our decision, you also have the option to escalate your complaint to the Superannuation Complaints Tribunal (SCT). Any information collected while dealing with your complaint will be handled in accordance with our privacy policy, available at oursuperfund.com.au/privacy or by contacting us.

If you feel that you have been treated unfairly or disadvantaged by a decision by the fund’s administrators or insurer, you can refer your complaint directly to the Complaints Officer via the mailing address on the back cover of this booklet. A copy of our enquiries and complaints fact sheet is available from oursuperfund.com.au or by calling us. Note: A new dispute resolution framework for financial services will apply from 1 November 2018, which will transition complaints handling from the SCT to the new Australian Financial Complaints Authority (AFCA). This means there will be changes to our complaints handing processes. Please ensure you refer to the most up-to-date ‘Reference Guide: General Information’ or enquiries and complaints fact sheet for details of the new process.

Call us on 1800 023 928 33 How to open an account 11 Before completing an application, it’s important to understand the features of Retirement Access, as outlined in this PDS and the Reference Guides. You should also consider seeking professional financial advice before finalising any decisions that affect your financial future. Before applying to open an account, please note the following important information: • A Retirement Access account is opened by withdrawing super from your Accumulate Plus account and depositing it into a Retirement Access account. The timing of the separate transactions on each account means there will generally be at least one NSW bank business day where the super you are using to open your Retirement Access account is not invested.

• If you transfer a Retirement Access balance back to Accumulate Plus, e.g. to consolidate or top up your super, and then open a new Retirement Access account, the timing of the separate transactions on each account means that there will generally be at least two NSW bank business days where the funds are not invested. • If you are a Defined Benefit member, please read ‘Using a defined benefit to open a pension account’ on page 34 before completing the application steps on this page.

Step 1: Get your super together Ensure that any super you want to invest in your Retirement Access account is already consolidated into your Accumulate Plus account in our fund. If you have super in another fund, you can transfer it into Accumulate Plus by calling us on 1800 023 928 or completing our ‘Request to transfer my super’ form. If you request the transfer or withdrawal directly from your other fund, you will need the following information: • Fund/product name: Commonwealth Bank Group Super – Accumulate Plus • USI: OSF0001AU • SPIN: OSF0001AU • Fund ABN: 24 248 426 878 ! Warning! Whenever you withdraw from or change funds, including where you withdraw from or close an Accumulate Plus account, you should check how it might affect any benefits you have in your other fund, such as insurance cover. We do not charge a transfer or withdrawal fee for Accumulate Plus or Retirement Access but you should also check if exit or withdrawal fees apply in your other fund. You may wish to consult a licensed, or appropriately authorised, financial planner about consolidating your super. Step 2: Complete an application Complete our Application for Retirement Access Pension account at the back of this PDS. If you joined the fund on or after 12 December 2007, you must also complete our Identification and verification form at the back of this PDS. We cannot begin your pension payments until you have completed and returned this form.

If you are under age 60, you should also complete our Tax file number declaration at the back of this PDS and return it with your application to ensure that the correct amount of PAYG Withholding tax is deducted from your pension payments. Step 3: Confirmation Once we receive your completed application and set up your pension account, we will send you a confirmation letter and welcome pack to confirm your pension account details. You will receive your first pension payment at least 15 days after we receive your completed application form, i.e. on the next payment date after the 14‑day cooling‑off period expires.

Visit us at oursuperfund.com.au 34 Cooling-off period A 14-day cooling-off period applies to your initial investment in a Retirement Access account in certain circumstances. If you decide that the account does not meet your needs, then simply advise us in writing within 14 days of the earlier of: i) the date you receive your transaction confirmation in your pension confirmation pack, or ii) five business days after the date your pension account is opened. The cooling-off period will lapse if any transaction (including an irregular pension payment) is made on your account within the 14-day period. If you exercise your cooling-off rights, we’ll return the amount you invested, adjusted for market movements which may be positive or negative, and any tax incurred. We may also deduct a reasonable amount for transaction and administration costs. The amount returned to you may therefore be less than your original investment.

For a TRIS account, any preserved or restricted non-preserved component of your balance cannot be refunded directly to you in cash unless you have satisfied a further condition of release. If not, we’ll transfer these benefits to either an Accumulate Plus account in our fund or to the super fund or retirement savings account that you nominate. If super from a Defined Benefit division is used to open your Retirement Access account, your balance cannot be refunded to those arrangements. In this case, we will transfer these benefits to either an Accumulate Plus account in our fund or to the super fund or retirement savings account that you nominate.

Under normal circumstances, we will return your investment within seven working days of you notifying us that you want to take advantage of the cooling-off period. For more information please call us on 1800 023 928. Using a defined benefit to open a Retirement Access account If you plan to remain a current Group employee If you have reached your preservation age, you can choose to exercised choice of fund, which means you may become entitled to the same benefits from your Defined Benefit (DB) division as if you had retired from the Group. You may then be able to use any lump sum benefit payable to you from that division to open a Retirement Access TRIS account.

If you have left or are leaving the Group You may choose to withdraw any lump sum benefit payable to you from your DB division and use it to begin a Retirement Access TRIS or Account-Based Pension account. In some cases, a lump sum benefit may not be payable from your DB division, or withdrawing a lump sum may have a significant impact on your future entitlements from that division. It is important to read the member booklet for your DB division carefully. ! Warning! DB arrangements and entitlements are complex. Exercising choice of fund or withdrawing a lump sum may have a significant impact on the type and/or the amount of your super benefits. You cannot change your mind about withdrawing a benefit or exercising choice from a DB division, and you cannot rejoin your DB division, at a later date. Please read the member booklet for your DB division carefully to make sure you understand the implications of exercising choice or withdrawing a lump sum before considering a Retirement Access pension. In some cases, the benefit payable from your DB division may be a pension. Different rules and entitlements apply to DB pensions so you should refer to the member booklet or PDS for your DB division carefully to ensure you understand

Call us on 1800 023 928 35 these entitlements (if any) before finalising any decisions about your super. A pension payable from a DB division will generally count towards your transfer balance cap, which may limit the amount you can choose to invest in other retirement-phase products. Special rules apply regarding how DB pensions are valued for the purposes of the cap. Call our DB contact centre on 1800 135 970 for more information if needed. You should also consider seeking professional advice from a licensed financial planner before making any decisions that affect your financial future. For advice about benefits from a DB division in our fund, in the first instance you may wish to call our DB contact centre on 1800 135 970 to speak with the Advice team for general advice and if needed, they can help refer you to an adviser who specialises in DB arrangements.

GroupSuper/1310/0718 For copies of a PDS, Reference Guides, forms or other information Internet oursuperfund.com.au Your account online Login oursuperfund.com.au/login or click on ‘Member login’ from any page on our website If you have a Commonwealth Bank NetBank ID, you can also see your account balance in the Bank’s NetBank platform and CommBank App. If you need to contact us Phone 1800 023 928 from 8am to 7pm (AEST), Monday to Friday, or +61 2 9267 5392 if outside Australia Email oursuperfund@cba.com.au Fax (02) 9303 7700 Mail GPO Box 4758 Sydney NSW 2001 SuperRatings Pty Ltd (ABN 95 100 192 283, AFSL 311880) and Chant West Pty Ltd (ABN 75 077 595 316, AFSL 255320) have consented to the statements about their respective ratings and products appearing in this document and have not withdrawn that consent. For further information about the methodology used by each agency, see their websites at www.superratings.com.au or www.chantwest.com.au respectively. The Chant West ratings logo is a trademark of Chant West Pty Limited and used under licence.

Commonwealth Bank Group Super is a member of The Association of Superannuation Funds of Australia (ASFA). Retirement Access has the highest rating from two industry agencies. For more information on these ratings, see page 4.

Application for Retirement Access account Please phone us on 1800 023 928 with any questions or visit our website oursuperfund.com.au for more information. This is an interactive form SAVE PRINT CLEAR Fields marked with an asterisk (*) must be completed for the purposes of anti-money laundering and counter-terrorism laws. Use of this form You can use this form to open a Retirement Access Account-Based Pension or Retirement Access Transition to Retirement Income Stream (TRIS) account if you are a member of the fund. For more information, refer to the Member Guide (PDS) and Reference Guides available from oursuperfund.com.au/memberbooklets or by calling us on 1800 023 928.

1. MEMBER DETAILS Existing account/member number Title Mr Mrs Miss Ms Other Male Female Full given name(s)* Surname* Residential address (PO Box is NOT acceptable)* Unit number Street number Street name Suburb State Post code Postal address (if different to above) Unit number Street number PO Box Street name Suburb State Post code Your main country of residence* Date of birth* Occupation* (if retired, state ‘Retired’) Tax file number (TFN) If not Australia, your country of residence for tax purposes Mobile number if none, you must provide a daytime phone number Email 2. ELIGIBILITY TO BEGIN A PENSION Please be aware that you may incur adverse tax consequences and penalties if you make a false declaration in relation to whether you are entitled to receive a super benefit. If you are a temporary resident, we may also be required to pay your account balance to the ATO—refer to the PDS and ‘Reference Guide: Access to your super’ for more information.

I am (i) an Australian or New Zealand citizen, (ii) a permanent resident in Australia or (iii) a holder a 405 or 410 retirement visa, and I meet the following eligibility criteria to access my super in cash: (please tick any/all that apply) Transition to retirement – I am aged between my preservation age and age 64 but have not permanently retired. *Retirement benefit – I am aged between my preservation age and age 64 and have permanently retired and do not intend to ever work again more than 10 hours per week. *Retirement benefit – I am aged 60–64 and have ceased a gainful employment arrangement since turning 60. *Retirement benefit – I am aged 65 or older. *Non-preserved cash benefit – I am commencing the pension with my unrestricted non-preserved benefits.

*Non-preserved cash benefit – I am commencing the pension with restricted non-preserved benefits only and have left employment with an employer who has contributed to this fund. *TPD benefit – I am permanently incapacitated. *Terminal illness benefit – I have a terminal medical condition. If you meet a condition of release marked with an asterisk , you are only eligible to open an Account-Based Pension account; you cannot open a Transition to Retirement Income Stream account once you have met one of these conditions of release. dd / mm / yyyy Under the SIS Act 1993, you are not obliged to disclose your TFN but there may be tax consequences—refer to the PDS and Reference Guide: How super is taxed for more information. – – By providing your email, you consent to receiving communications, including statements, newsletters and other important information to your email address. By providing your mobile number, you consent to its use for security validations. This will allow you to access communications such as your statement via email. You can change your contact preferences at any time.

2 3. OPENING ACCOUNT DETAILS You cannot contribute or transfer super to your pension account once it begins. If you wish to use super from more than one account or fund to begin your pension, you should consolidate these benefits into an Accumulate Plus account before applying to open a pension account. You should also keep in mind that the timing of the separate transactions to withdraw super from your Accumulate Plus account and deposit it into a new Retirement Access account means there will generally be at least one NSW bank business day where this money is not invested. Refer to the PDS for more information.

Complete this column if you’re opening a TRANSITION TO RETIREMENT INCOME STREAM (TRIS) account Complete this column if you’re opening an ACCOUNT-BASED PENSION account (A) OPENING AMOUNT Note: A minimum opening balance of $20,000 is required; there is no maximum balance amount in a TRIS account until you meet a further condition of release – refer to the PDS for more information. I want to open my TRIS account with: All of the benefits from the account indicated in Section 1 (and I understand this will close that account) An amount from the account indicated in Section 1 of: (A) OPENING AMOUNT Note: A minimum opening balance of $20,000 is required. An Account- Based Pension balance is subject to a $1.6 million transfer balance cap – refer to the PDS for more information.

I want to open my Account-Based Pension account with: All of the benefits from the account indicated in Section 1 (and I understand this will close that account) An amount from the account indicated in Section 1 of: (B) INVESTMENT SELECTION Indicate one or more options to invest your balance1 , as well as your preferred deduction order or percentage for pension payments2 : Balance to be invested1 in: Pension payments2 : Order Percentage Cash TRIS % % Conservative TRIS % % Moderate TRIS % % Balanced TRIS % % Growth TRIS % % TOTAL 100 % 100 % (B) INVESTMENT SELECTION Indicate one or more options to invest your balance1 , as well as your preferred deduction order or percentage for pension payments2 : Balance to be invested1 in: Pension payments2 : Order Percentage Cash % % Conservative % % Moderate % % Balanced % % Growth % % TOTAL 100 % 100 % Write the name of one investment option from which to deduct fees2 : Write the name of one investment option from which to deduct fees2 : (C) AUTO-REBALANCING FACILITY Indicate if your account should be automatically rebalanced in line with your investment selection for your balance in (B) above: Yes—please enable auto-rebalancing on my account on the following basis (choose ONE): Annually OR Quarterly No—I do not want auto-rebalancing enabled on my account (C) AUTO-REBALANCING FACILITY Indicate if your account should be automatically rebalanced in line with your investment selection for your balance in (B) above: Yes—please enable auto-rebalancing on my account on the following basis (choose ONE): Annually OR Quarterly No—I do not want auto-rebalancing enabled on my account Notes: 1 If you do not select an option(s) for your balance in section (B) or if your selected percentages do not equal 100%, your whole balance will be invested in the default investment option, which is the Balanced TRIS or Balanced option, as applicable to your account type. We make no representation about whether the default option is the most appropriate option for you. You should refer to the PDS and ‘Reference Guide: Invest your account’ before making any investment selection. You should seek professional advice to decide what option is best for you and when making an investment selection.

2 If you select more than one option in section (B), you can choose whether your pension payments are withdrawn from those options based on a specific order or as a percentage payment – refer to the PDS for more information on these options. For the deduction of fees, you can nominate one option only; this does not need to be one of the options you specified for pension payment deductions. If you don’t nominate an option or there are insufficient funds in the option you choose, pension payments and fees will be deducted based on the trustee’s default order, which is generally from the most conservative of your investment options first.

$ $ OR OR

3 4. PENSION PAYMENTS 4A. Payment amount You must receive a minimum amount in pension payments each financial year, calculated using your age and account balance. A maximum amount also applies to a TRIS account. Refer to the PDS for more information on these minimums and maximums. At the beginning of each financial year, we will write to you with details of your new minimum pension payment amount (and maximum amount if applicable). You can change your payment amount or frequency at any time by completing our ‘Change of details’ form. Choose ONE of the following payment amount options: I wish to receive my minimum pension amount payable for the financial year I wish to receive my maximum pension amount payable for the financial year (maximum only applicable for a TRIS account) I wish to receive per pension payment (gross of tax, if applicable) 4B. Payment frequency Please indicate how often you would like to receive your pension payments. Your pension payments will generally begin on the first applicable pay date after we receive your completed application and the 14-day cooling off period has elapsed. Refer to the PDS for more information. Choose ONE of the following pension payment options: Fortnightly Monthly Quarterly Half-yearly Yearly If you are applying for a pension between 1 June and 30 June, you can choose to receive your first pension payment in the current financial year or defer your first payment until the next financial year, i.e. after 1 July. Do you want to receive your first pension payment between 1 June and 30 June?

Yes – I would like to start my pension in the current financial year. No – I would like to start my pension in the next financial year. 4C. Bank account to be credited The bank account that you nominate below will be credited with your pension payments. You can only nominate a bank account that is held in your name. Name of Australian financial institution Branch name Branch number (BSB) Account number Name of account holder 5. ONLINE ACCOUNT ‘TRANSACT’ ACCESS You will automatically have ‘enquiry’ access to view your account online via FirstNet. If you would like to be able to transact online, you must request ‘transact’ access to your account. To change from default ‘enquiry’ access, complete this section below. I would like online ‘transact’ access to my account I do not want ANY online access (including enquiry) to my account 6. VIEWING YOUR ACCOUNT BALANCE IN NETBANK Commonwealth Bank Group customers with a NetBank ID will automatically be able to view a Retirement Access balance in the Group’s NetBank platform and CommBank App and set up a single sign-on between NetBank and your online pension account (FirstNet). Exchanging some member information with the Group is required to make this feature available—for more information, refer to ‘Reference Guide: General information’ or our privacy policy. To opt out of exchange member information with the Group for these purposes, complete this section below. I wish to OPT OUT of exchanging information with the Group for the purposes of viewing my account in these platforms. 7. NON-LAPSING DEATH BENEFIT NOMINATION To provide more certainty about who receives the balance of your Retirement Access account if you die (less any applicable fees and taxes), you can make a non-lapsing death benefit nomination. This is a legal instruction that directs the trustee to pay your death benefit to the beneficiary(ies) you nominate in the proportions that you nominate. To make a nomination, please complete our ‘Non-lapsing death benefit nomination’ form available from oursuperfund.com.au/forms. If you have more than one Retirement Access and/or Accumulate Plus account in the fund and you make, amend or revoke a nomination, it will apply to any and all accounts you hold. It will also override any previous nomination you may have made on any other account. Refer to the PDS and ‘Reference Guide: Death benefits’ for more information about who you can nominate as a beneficiary and the rules around making a nomination.

— $

4 8. DECLARATION AND SIGNATURE I hereby apply for membership of Retirement Access. I declare and agree that: • I have received and read the ‘Member Guide (PDS) for Retirement Access’ and the material incorporated by reference (Reference Guides), together referred to as ‘the PDS’, and this application form was included in or accompanied by the PDS and I have accepted the offer in Australia. • If I have received this PDS from the internet or other electronic means, I have received it personally or a printout of it, accompanied by or attached to this application form.

• The information I have given in this application is correct and complete. • I undertake to provide the fund with any requested information that relates to my membership and to notify the fund if that information changes. • I understand membership of Retirement Access is subject to the terms of the fund’s trust deed. If there are any differences between what is written in the PDS and the trust deed, the trust deed will prevail. • I understand that the amount of super I am withdrawing from my Accumulate Plus account to open my Retirement Access account (as indicated in Section 3(A)) will generally not be invested for a period of at least one NSW bank business day while each separate transaction is processed. • Pension payments made in accordance with my payment instructions in this application constitute a complete discharge to the trustee in respect of the amounts paid.

• By providing an email address, I consent to receiving communications, including statements, newsletters, notices, and other important information, to my email address, and by providing a mobile number, I consent to its use for security validations. I understand that I can change these contact preferences at any time. • By providing my tax file number, I give consent to its use and disclosure as set out in the current PDS and ‘Reference Guide: How super is taxed’. • I have read and understood the Privacy section of ‘Reference Guide: General information’ and I acknowledge and consent to the use and disclosure of my personal information as detailed in that section.

• I agree with the terms and conditions for transacting with the fund as set out in ‘Reference Guide: General information’. • If the opening account balance I indicated in Section 3 results in closure of my Accumulate Plus account, I understand that I will have no further claim with respect to that account, and any insurance cover I have in that account will cease on the next premium due date after my account is closed. • The fund and/or its related entities will not be liable to me or other persons for any loss suffered, including consequential loss, in circumstances where transactions are delayed, blocked, frozen or where the fund refuses to process a transaction.

• Investments in the fund and its investment options are not investments, deposits or other liabilities of Commonwealth Bank of Australia or its subsidiaries, and are subject to investment and other risks, including possible delays in repayment and the loss of income and principal invested. • Neither the fund nor Commonwealth Bank of Australia or its subsidiaries guarantee the repayment of capital or the performance of options or any particular rate of return from the investment options. Applicant’s signature Print name Date !

• If you joined the fund on or after 12 December 2007, you (or your adviser) must also complete our ‘Identification and verification’ form— this form is required under anti-money laundering and counter-terrorism laws before any benefits can be paid to you in cash. • If you are under age 60, please also complete our ‘Tax file number declaration’. Please send the completed application (and any other required forms) to: Commonwealth Bank Group Super, GPO Box 4758, Sydney NSW 2001 Interests offered by Commonwealth Bank Group Super (the fund) (ABN 24 248 426 878) are issued by Commonwealth Bank Officers Superannuation Corporation Pty Limited (the trustee) (ABN 76 074 519 798, AFSL 246418).

GroupSuper/1323/0718  dd / mm / yyyy

Information you provide in this declaration will allow your payer to work out how much tax to withhold from payments made to you. Who should complete this form? You should complete this form before you start to receive payments from a new payer – for example: • superannuation benefits • payments for work and services as an employee, company director or office holder • payments under return-to-work schemes, labour hire arrangements or other specified payments • benefit and compensation payments. You need to provide all information requested on this form. Providing the wrong information may lead to incorrect amounts of tax being withheld from payments made to you.

Question 1: Your tax file number (TFN) We are authorised to request your TFN by the Taxation Administration Act 1953. It’s not an offence not to quote your TFN. However, quoting your TFN reduces the risk of administrative errors and having extra tax withheld. We are required to withhold the top rate of tax from all payments made to you if you do not provided your TFN or claim an exemption from quoting your TFN. Your TFN is usually on any papers sent to you from the ATO, such as last year’s income tax notice of assessment. If you have never had a TFN, call the ATO on 13 28 61.

If you are not sure you have a TFN or cannot find it call 13 28 61. You will be asked for information about your identity and if your number can be found, it will be posted to your current registered postal address. Privacy laws prevent the number being given over the phone. You may be able claim an exemption from quoting your TFN if: • you have lodged a TFN application or made an enquiry to obtain your TFN. You will have 28 days to provide your TFN to us, and we must withhold at the standard rate during this time. After 28 days, if you haven’t given us your TFN, we will withhold the top rate of tax from future payments.

• you are under 18 and do not earn enough to pay tax, or • you are an applicant or recipient of certain pensions, benefits or allowances from the Department of Human Services, Department of Veterans’ Affairs or Military Rehabilitation and Compensation Commission. However, you must quote your TFN if you receive a Newstart, Youth or sickness allowance, or an Austudy or parenting payment. Put a cross in the appropriate box in Question 1 to claim your exemption. Questions 2–5 Complete this section with your personal information. Question 6: Basis of payment We have answered this for you as ‘Superannuation income stream’ as your basis of payment.

Question 7: Australian resident (for tax purposes) or a working holiday maker To check your Australian residency status for tax purposes or for more information, visit ato.gov.au/residency Generally, the ATO will consider you to be an Australian resident for tax purposes if: • you have always lived in Australia or you have come to Australia and now live here permanently • you are an overseas student doing a course that takes more than six months to complete • you migrate to Australia and intend to reside here permanently. If you go overseas temporarily and don’t set up a permanent home in another country, you may continue to be treated as an Australian resident for tax purposes.

If you are in Australia on a working holiday visa (subclass 417) or a work and holiday visa (subclass 462) you must place a cross in the working holiday maker box. Special rates of tax apply for working holiday makers. For more information about working holiday makers, visit ato.gov.au/whm If you’re not an Australian resident for tax purposes or a working holiday maker, place a cross in the foreign resident box, unless you are in receipt of an Australian Government pension or allowance. Temporary residents can claim super when leaving Australia, if all requirements are met. For more information, visit ato.gov.au/ departaustralia Note: Foreign resident tax rates are different. A higher rate of tax applies to a foreign resident’s taxable income and foreign residents are not entitled to a tax‑free threshold nor can they claim tax offsets to reduce withholding, unless you are in receipt of an Australian Government pension or allowance.

Tax File Number declaration instructions

Question 8: Tax-free threshold The tax-free threshold is the amount of income you can earn each financial year that is not taxed. By claiming the threshold, you reduce the amount of tax that is withheld from your pay during the year. Answer ‘Yes’ if you want to claim the tax-free threshold, you are an Australian residents for tax purposes, and one of the following applies: • you are not currently claiming the tax-free threshold from another payer, • you are currently claiming the tax-free threshold from another payer and your total income from all sources will be less than the tax-free threshold.

Answer ‘Yes’ if you are a foreign resident in receipt of an Australian Government pension or allowance. Answer ‘No’ if none of the above applies or you are a working holiday maker. If you receive any taxable government payments or allowances, such as Newstart, Youth Allowance or Austudy payment, you are likely to be already claiming the tax‑free threshold from that payment. For more information about the current tax‑free threshold, which payer you should claim it from, or how to vary your withholding rate, visit ato.gov.au/taxfreethreshold.

Question 9: Higher Education Loan Program (HELP), Student Start-up Loan (SSL), Trade Support Load (TSL) or Financial Supplement debt Answer YES to Question 9(a) if you have a HELP, SSL or TSL debt, or have not repaid your debt in full. Answer YES to Question 9(b) if you have a Financial Supplement debt, or have not repaid your debt in full. When you have repaid your HELP, SSL, TSL or Financial Supplement debt, you need to complete a ‘Withholding declaration’ form (NAT 3093 from the ATO website) to notify us of the change in your circumstances.

For more information about repaying your HELP, SSL, TSL or Financial Supplement debt, go to www.ato.gov.au/getloansinfo. Privacy of information Taxation law authorises the ATO to collect information and to disclose it to other government agencies. For information, go to www.ato.gov.au/privacy

1. ABN 2. Payer’s legal name or registered business name 3. Business address 4. Primary email address 5. Contact person Business telephone Signature of payer Date Payers need to lodge TFN declarations by paper or online with the Australian Taxation Office within 14 days after the form is either signed by the payee or completed by the payer (if not provided by the payee). Payers need to retain a copy of the form for their records. Payers may incur a penalty if they do not lodge TFN declarations with the ATO or keep a copy of completed TFN declaration for their records.

SECTION B: TO BE COMPLETED BY COMMONWEALTH BANK GROUP SUPER 2 4 2 7 4 4 2 6 8 8 8 Commonwealth Bank Group Super GPO Box 4758, Sydney NSW 2001 Shane Mack 1800 023 928 1. What is your tax file number (TFN)? OR I have made a separate application/enquiry to the ATO for a new or existing TFN. OR I am claiming an exemption because I am under 18 years of age and don’t earn enough to pay tax OR I am claiming an exemption because I am in receipt of a pension, benefit or allowance 2. What is your name? Mr Mrs Miss Ms Other Surname or family name First given name Other given names 3. What is your home address in Australia? Suburb/town/locality State Postcode 4. If you have changed your name since you last dealt with the ATO, show your previous family name 5. What is your date of birth? 6. On what basis are you paid? (select only one) Full-time employment Part-time employment Casual employment Labour hire Superannuation or annuity income stream 7. Are you ( select only one) An Australian resident for tax purposes A foreign resident for tax purposes A working holiday maker 8. Do you want to claim the tax-free threshold from this payer? Only claim the tax-free threshold from one payer at a time unless your total income from all sources will be less than the threshold. Yes No Answer ‘No’ if you are a foreign resident or working holiday maker, except if you are a foreign resident in receipt of an Australian Government pension or allowance 9. (a) Do you have a Higher Education Loan Program (HELP), Student Start-up Loan (SSL) or Trade Support Loan (TSL) debt?

Yes No If ‘Yes’, your payer will withhold additional amounts to cover any compulsory repayments (b) Do you have a Financial Supplement debt? Yes No If ‘Yes’, your payer will withhold additional amounts to cover any compulsory repayments DECLARATION by applicant I declare that the information I have given is true and correct. Signature Date There are penalties for deliberately making a false or misleading statement. SECTION A: TO BE COMPLETED BY APPLICANT X – – GroupSuper/1325/0718 Tax File Number declaration dd / mm / yyyy dd / mm / yyyy dd / mm / yyyy This is an interactive form SAVE PRINT CLEAR oursuperfund@cba.com.au

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Identification and verification Please phone us on 1800 023 928 with any questions about this form or visit oursuperfund.com.au for more information. This is an interactive form SAVE PRINT CLEAR Completing this form You or your adviser are required to complete this form so that we can establish your identity for the purposes of anti-money laundering and counter-terrorism financing laws and to assist us in processing any future request efficiently. Financial advisers undertake identification and verification procedures by completing Sections 1 and 2 of this form or by using other industry standard forms.

If you do not have a financial adviser, you will need to complete Section 1 of this form and provide certified copies of the identification (ID) documents (do not send original documents). The list of the parties who can certify copies of the documents is set out below. To be correctly certified we need the ID documents to be clearly noted as ‘True copy of the original document’. The party certifying the ID documents will also need to state what position they hold and sign and date the certified documents. If this certification does not appear, you may be asked to send in new certified documents. List of persons who can certify documents1 : • Justice of the Peace • Solicitor • Police Officer • Magistrate • Notary Public (for the purposes of the Statutory Declaration Regulations 1993) • Your financial adviser (provided they have 2 or more years of continuous service) • Your accountant (provided they have 2 or more years of continuous membership to a professional accounting body) • An officer of a bank, building society or credit union with 2 or more years continuous service • Employee of Australia Post with 2 or more years continuous service • Australian consular officer or an Australian diplomatic officer (within the meaning of the Consular Fees Act 1955) SECTION 1: VERIFICATION PROCEDURE Name of member or applicant Complete Part A, or if the individual does not own a document from Part A, then complete either Part B or Part C. Part A: Acceptable primary ID documents Select ONE valid option from this section only Australian state/territory driver’s licence containing a photograph of the person Australian passport (a passport that has expired within the preceding two years is acceptable) Card issued under a state/territory for the purpose of proving a person’s age and containing a photograph of the person Foreign passport or similar travel document containing a photograph and the signature of the person2 Continued over the page… 1 There are additional people who can certify documents—a full list is available from oursuperfund.com.au/factsheets 2 Documents that are written in a language that is not 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. Please refer to www.naati.com.au for further information.

2 Part B: Acceptable secondary ID documents – should only be completed if the individual does not own a document from Part A Select ONE valid option from this section Australian birth certificate Australian citizenship certificate Pension card issued by Department of Human Services (previously known as Centrelink) AND ONE valid option from this section A document issued by the Commonwealth or a State or Territory within the preceding 12 months that records the provision of financial benefits to the individual and which contains the individual’s name and residential address A Notice of Assessment issued by the Australian Taxation Office within the preceding 12 months that contains the individual’s name and residential address A document issued by a local government body or utilities provider within the preceding three months that records the provision of services to that address or to that person (the document must contain the individual’s name and residential address) If under the age of 18, a notice that was issued to the individual by a school principal within the preceding three months; and contains the name and residential address; and records the period of time that the individual attended that school Part C: Acceptable foreign ID documents – should only be completed if the individual does not own a document from Part A BOTH documents from this section must be presented Foreign driver’s licence that contains a photograph of the person in whose name it is issued and the individual’s date of birth¹,2 National ID card issued by a foreign government containing a photograph and a signature of the person in whose name the card was issued¹,2 SECTION 2: RECORD OF VERIFICATION PROCEDURE FINANCIAL ADVISER USE ONLY – attach a legible, certified copy of the ID documentation used to verify the individual (and any required translation).

ID document details Document 1 Document 2 (if required) Verified from Original Certified copy Original Certified copy Document issuer Issue date (dd/mm/yyyy) (dd/mm/yyyy) Expiry date (dd/mm/yyyy) (dd/mm/yyyy) Document number Accredited English translation N/A Sighted N/A Sighted FINANCIAL PLANNER DETAILS – Identification and verification conducted by: By completing and signing this Record of Verification Procedure, I declare that I have verified the identity of the individual as required by AML/CTF Rules and that this identification procedure has been performed by an AFSL holder or an authorised representative of an AFSL holder.

AFS Licensee name AFS Licence number Financial planner’s name Phone number Signature Date verified GroupSuper/1324/0718  (dd/mm/yyyy)

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