It is not compulsory to provide us with your Tax File Number (TFN) but if you do not provide us with your TFN:

• we may need to pay extra income tax on your concessional or 'pre-tax' contributions and this will be deducted from your super account
• we may not be able to accept your non-concessional or 'after-tax' super contributions
• you may not be paid the Government's super Co-contribution (if you are eligible).

Also if you do not provide us with a TFN you may find it difficult to locate your super benefits in the future and consolidate them into one account.

For more information on Tax File Numbers, take a look at the ATO website or you can call us on 1300 369 901 if you have any further questions.

You will need to complete the Notification of Tax File Number form and send it to us, or you can call us on 1300 369 901 and quote your TFN to one of our Member Services Officers.

For more information on Tax File Numbers, take a look at the ATO website or you can call us on 1300 369 901 if you have any further questions.

We will only use your TFN for purposes permitted by law, such as to:

• find and identify your super benefits when other information is insufficient.
• calculate the tax on your superannuation benefits
• provide information to the Australian Tax Office (ATO) so they can assess any tax payable on your contributions.

For more information on Tax File Numbers, take a look at the ATO website or you can call us on 1300 369 901 if you have any further questions.

A binding nomination allows you to provide the Trustee of your super fund with specific instructions on how to distribute your super benefit in the event of your death.

For more information on binding nominations, take a look at our fact sheet on Nominating Beneficiaries or you can call us on 1300 369 901 if you have any further questions.

Making a binding nomination is optional. However, making a binding nomination means you have the final say, so you can ensure that your super is paid, as you want, after your death. If you do not make a binding nomination, the Trustee will, at its discretion, pay the benefit to one or more of your Legal Personal Representative or dependants.

For more information on binding nominations, take a look at our fact sheet on Nominating Beneficiaries or you can call us on 1300 369 901 if you have any further questions.

To make a binding death benefit nomination you must complete the Binding Nomination form and return it to us. If you make a valid binding nomination it becomes effective from the date of signing. The Trustee must pay your benefit in accordance with your valid binding nomination to your Legal Personal Representative and/or dependants if all your nominated dependants survive you and are your dependants at the time of your death.

For more information on binding nominations, take a look at our fact sheet on Nominating Beneficiaries or you can call us on 1300 369 901 if you have any further questions.

A binding nomination will usually expire and cease to have effect 3 years after being made or last amended. You can confirm or amend it at any time by completing the Binding Nomination form and returning it to us, which extends the term for another 3 years from the date of signing.

The Trustee must follow a valid binding nomination, regardless of whether your circumstances have changed, so it is important that you keep it up to date.

For more information on binding nominations, take a look at our fact sheet on Nominating Beneficiaries or you can call us on 1300 369 901 if you have any further questions.

Under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 if you are a member of a super fund you must provide proof of your identity and your date of birth when you apply for the payment of a benefit and this also includes any application for release, transfer, deferral, or an insurance claim.

These measures are to protect you against fraud and enable us to be reasonably satisfied that we have identified the person making the application is who they claim to be.

If you have any more questions about benefit payments or proof of identity, call us on 1300 369 901.

You will need to provide a certified copy of your current driver's licence or an Australian passport which is current or has not expired for more than two years.

Other documents may include certified copies of Citizenship Certificates, Birth Certificates, Local Government rate notices, and account notices from utilities such as electricity, gas, water or telephone which are no more than three months old.

If you have changed your name, you must provide a certified copy of a document which shows the link between your old and new names such as a Marriage Certificate, Deed Poll, Change of Name Certificate or a Decree Nisi.

If you have any more questions about benefit payments or proof of identity, call us on 1300 369 901.

You will need to arrange for an authorised person to certify your documents. Authorised persons include a Justice of the Peace, solicitor, an accountant with more than two years continuous membership of a professional body, a police officer or a permanent employee of Australia Post with more than two years continuous service.

The authorised person must sight the original and the copy of the document to make sure they are identical. They must certify all the pages of the document and provide particular details and the date they certified the document.

This person who certifies the documents must also be both independent and impartial and not related to the member such as a spouse or a family member.

We may reject the documents if there is any actual or perceived conflict of interest.

If you have any more questions about benefit payments or proof of identity, call us on 1300 369 901.

Concessional super contributions are contributions which attract the concessional tax rate of 15% and these usually include the compulsory contributions made by your employer on your behalf and any contributions you make to your super before tax.

You are only eligible for the concessional tax rate if you have provided us with your Tax File Number (TFN).

For more information on the contributions, take a look at our Concessional Contribution fact sheet or the Australian Tax Office website or you can call us on 1300 369 901 if you have any further questions.

Salary sacrificing is an arrangement where you receive part of your gross salary as a benefit rather than salary. The benefit is paid from your gross salary, that is, 'before tax'.

Salary sacrificing to make super contributions will reduce your take-home pay but because it reduces your taxable salary, you will pay less tax on your income. Your super contribution is however taxed at 15% when it is deposited in your fund but for most people this rate will be lower than their marginal tax rate.

For more information on the contributions, take a look at our Concessional Contribution fact sheet or the Australian Tax Office website or you can call us on 1300 369 901 if you have any further questions.

Non-concessional super contributions are those contributions you make from your 'after-tax' salary and they generally do not attract any tax when they are deposited in your super account.

For more information on the contributions, take a look at our Concessional Contribution fact sheet or the Australian Tax Office website or you can call us on 1300 369 901 if you have any further questions.

The cap on concessional or 'pre-tax' super contributions is $25,000 for this financial year. If you are over 50 years of age, the cap on concessional contributions is currently $50,000 per annum.

The cap on non-concessional or 'after-tax' contributions this financial year is $150,000. If you are under 65 years of age you can spread your non-concessional super contributions over three years with the total cap being $450,000.

It's very important to keep within these caps to avoid paying extra tax on your super contributions.

For more information on contributions, take a look at our Concessional Contribution fact sheet or the Australian Tax Office website or you can call us on 1300 369 901 if you have any further questions.

There are a range of investment strategies available to members:

Strategy	Description
High Growth	High investment growth above the Consumer Price Index (CPI) over the longer term. High risk.
Growth*	Real investment growth above the CPI over the medium to long term. High to medium risk.
Defined Benefit Strategy **	For real investment growth over the medium to long-term. High to medium risk.
Balanced Growth	Real investment growth above the CPI over the medium to long term. High to medium risk.
Balanced	Real investment growth above the CPI rate over the medium term. Medium risk.
Conservative	Shorter term investing with good security and some potential for growth. Medium to low risk.
Cash	Exposure to investments in money market securities with a very low risk of capital loss. Low risk.
Fixed Term***	For a pre-determined fixed rate of return held for a 12 month term. Low risk.

* Growth strategy is only available to members of the Retirement Schemes.
** Defined Benefit Strategy is only available to members of the Defined Benefit Schemes.
*** Fixed Term Strategy is only available to members of the Rollover and Account-Based Pension Plans.

For more information on the investment strategies, take a look at the Product Disclosure Statement which relates to your Scheme or you can call us on 1300 369 901 if you have any further questions.

You can choose to invest your account balance and/or your future contributions (including roll-ins, Superannuation Guarantee contributions and personal contributions) in a combination of one or more of our investment strategies.

You can also invest your future contributions in a different combination of investment strategies than the one you have for the existing balance of your super account.

Please note that these multiple investment options are only available to members of the Accumulation and Executive Schemes.

Members of the Retirement Scheme can only invest in one of six investment strategies at any one time. Defined Benefit Scheme members can only invest in the Defined Benefit Strategy.

For more information on the investment strategies, take a look at the Product Disclosure Statement which relates to your Scheme or you can call us on 1300 369 901 if you have any further questions.

You are entitled to one free switch in each financial year. Any subsequent switches made in that financial year will incur a $20 fee for members of the Accumulation (including Public Offer) and Retirement Schemes. Subsequent switches for members of the Executive Scheme incur a $30 fee.

Please note that there is no charge for retired members with account-based pensions, members receiving a transition to retirement pension or members in the Rollover Plan.

For more information on the investment strategies, take a look at the Product Disclosure Statement which relates to your Scheme or you can call us on 1300 369 901 if you have any further questions.

To change your investment strategy you need to complete the Changing Investment Strategy form and return the form to us by post or if you have registered for web access you can use our member login area to change your investment strategy.

For more information on the investment strategies, take a look at the Product Disclosure Statement which relates to your Scheme or you can call us on 1300 369 901 if you have any further questions.

We will process your investment switch when we receive your change of investment strategy request and the effective date of your switch will be the date we receive the request from you.

You may also nominate a later date you want the investment strategy change to take effect.

For more information on the investment strategies, take a look at the Product Disclosure Statement which relates to your Scheme or you can call us on 1300 369 901 if you have any further questions.