IOOF Employer Super It simply stacks up! Taking the time to understand your super could be the best investment you’ll ever make. A small amount of effort now may make a big difference to your account balance in the long term. I’ll provide an overview of your IOOF Employer Super plan and outlines some simple steps you can take to maximise your super.

Disclaimer Issued by IOOF Investment Management Limited ABN 53 006 695 021 AFS Licence No.230524 as Trustee of IOOF Employer Super, a division of the IOOF Portfolio Service Superannuation Fund ABN 70 815 369 818. This is general advice only and does not take into account your financial circumstances, needs and objectives. Before making any decision based on this document, you should assess your own circumstances or seek advice from a financial adviser. You should obtain and consider a copy of the Product Disclosure Statement available from us or your financial adviser, before you acquire a financial product. Ratings are only one factor to be taken into account when deciding whether to invest. For more information on the meaning of these ratings and the rating scales used, please refer to the Heron, Selecting Super and SuperRatings websites. SuperRatings does not issue, sell, guarantee or underwrite this product. Go to www.superratings.com.au for details of its ratings criteria.

We are super specialists IOOF has been helping Australians secure their financial futures for almost 170 years At IOOF, we have been helping Australians secure their financial future since 1846. During that time, we have grown substantially to become a leading provider of quality financial services. As an ASX top 100 company we currently service more than 650,000 customers around Australia and today are one of the largest independent groups in the industry so you can be confident they will help make your retirement goals a reality.

Introducing IOOF Employer Super The play button hyperlinks to our video, which gives a two minute overview of the features and benefits of IOOF Employer Super.

IOOF Employer Super – it simply stacks up A true lifetime super solution A range of investment options Flexible insurance options at competitive rates Simple, transparent and competitive fees Friendly, helpful personalised service Full-featured online portal We are super specialists A true lifetime super solution - a true lifetime super plan that you can take from job to job and through to retirement without incurring capital gains tax, other transfer costs or inconveniences. A range of investment options - Not only can you choose from more than two hundred managed funds, but you can choose to invest in shares from the ASX300 and even a variety of term deposits. Flexible insurance options at competitive rates -  We offer you quality, tax-effective, flexible cover at competitive rates. Simple, transparent and competitive fees - Our fee structure is simple and completely transparent - all clearly visible and there are no hidden fees. All fees are paid from the cash account for complete transparency. Friendly, helpful personalised service - IOOF prides itself on delivering an exceptional level of service. We have a nationwide team ready to answer any of your queries. Full-featured online portal - IOOF Online is a user friendly website that gives you access to a range of information. You can even use it to buy and sell investments. We are super specialists – IOOF has been helping Australians build their financial future since 1846. It simply stacks up Get the proof at ioof.com.au/simplystacksup

CUSTOMISE YOUR INSURANCE Your insurance cover DEATH & TPD $3 per week fixed premium insurance benefit INCOME PROTECTION $2,000 per month 90 day waiting period 2 year benefit period A strong super solution also needs to have a strong insurance offering. Our flexible approach is designed to deliver a fit for all members. We offer you quality, tax-effective, flexible cover –at competitive group rates ensuring peace of mind for you and your family. We offer tailored income protection options where you can shorten or extend waiting periods and be compensated accordingly. For those who are after our basic level of cover there are no health checks making insurance easy. OPT UP Increase cover OPT DOWN Reduce or remove insurance options OPT OUT Remove cover completely CUSTOMISE YOUR INSURANCE 6

Competitive and transparent fees Administration fee 0.35% Account keeping fee $117 pa Indirect cost ratio 0.50% Exit fee $75 MYSUPER MEMBERS Core menu Full menu Administration fee $0 - $250,000 $250,001 - $500,000 $500,001 – 1 million $1 – 2 million Above $2 million   0.35% 0.25% 0.10% 0.05% 0.00% 0.70% 0.50% 0.20% Account keeping fee $117 pa $180 pa Indirect cost ratio Between 0-3% depending on the investment(s) you select Exit fee $75 CHOICE MEMBERS We’ve put a lot of time and effort into fine-tuning our operations to enable us to deliver fair and competitive fees. Our fee structure is simple and completely transparent – all clearly visible and there’s no bundling. All fees are paid from your cash account, so it’s easy for you to see exactly what is being charged at any time. Inclusive of GST less any applicable reduced input tax credits

Take control of your super The play button hyperlinks to our video, which explains how to make the most of your super: Register for online access Consolidate your super Review your current investment options Check your insurance arrangements Consider the strategies to boost your retirement Review your beneficiaries

Contact IOOF Website www.ioof.com.au Register for online access www.ioofonline.com.au Client Services Team 1800 333 500 IOOF prides itself on delivering an exceptional level of service. We have a highly trained, experienced and dedicated Australian based Client Services Team ready to answer any of your queries and to assist you in taking control of your super. If you need to speak with a financial adviser, whether it’s for simple or more complex advice, IOOF can put in touch with a fully qualified financial adviser.