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1Christian Super Pension PDS

AUGUST 2015

Living life with financial health and understanding

PENSION GUIDE

PRODUCT DISCLOSURE STATEMENT

The information in this document forms part of the Product Disclosure Statement issued August 2015

2 Christian Super Pension PDS

This Product Disclosure Statement (PDS) provides a summary of key information for Christian Super. It contains references to important information which also forms part of this PDS. You should consider all the information contained in this PDS before making a decision about investing in Christian Super.

The information provided in this PDS is general information only and does not take into account your personal financial situation or needs. The PDS intends to provide information, not advice. You should obtain financial advice that is tailored to your personal circumstances taking into account your individual objectives financial situation and needs.

Christian Super is governed by a trust deed. As a member you are bound by the terms of the Trust Deed and Rules, this may be amended, subject to superannuation law. The Trust Deed and Rules provide for many of the rights, duties and responsi-bilities of the Trustee, members, beneficiaries and employers.

If there is any conflict between the PDS and Trust Deed and Rules, the Trust Deed and Rules will prevail.

The information in this guide is correct as at the issue date and is subject to change. Updated information is available from our website or Helpdesk.

CONTENTSAbout Christian Super 4

Pensions explained 6

How your Christian Super pension works 8

Ethical investing 14

Investment information 16

Investment options and performance 17

Pensions investment options and performance 18

Fees and costs 20

Tax on pensions 22

Purposeful retirement 23

Pension application form 24

Rollover request to transfer funds 27

Tax file number declaration form 29

Other information 31

If you have any questions or would like more information please contact Christian Super

P 1300 360 907

F 1300 367 828

E [email protected]

M Christian Super Locked Bag 5073 Parramatta NSW 2124

W www.christiansuper.com.au

As trustee for: CHRISTIAN SUPER ABN 66 628 776 348 SFN 1242 009 45 USI CHR0001AU RSE Registration No. R1004137 MySuper Unique Identifier: 66 628 776 348 908

Issued by: CHRISTIAN SUPER PTY LTD ABN 68 065 040 619 AFSL NO. 244117 RSE LICENSE NO. L0000918


CHRISTIAN SUPER INVESTS YOUR RETIREMENT SAVINGS IN ETHICAL AND RESPONSIBLE INVESTMENTS THAT ARE IN LINE WITH YOUR CHRISTIAN VALUES.


ABOUT CHRISTIAN SUPERChristian Super is an industry superannuation fund that provides superannuation (super), investment, insurance and pension services.

Christian Super exists only to benefit members. We keep costs as low as possible and do not pay any commissions to financial advisors.

Christian Super aims to invest in accordance with Biblical principles, consistent with our Statement of Faith, to ensure that members’ funds are managed responsibly while growing for their future needs.

To this purpose we pursue investments in companies that care for people and God’s creation, who demonstrate sound ethical practices

and meet performance standards in their social, environmental and financial stewardship.

We avoid investments in companies that produce goods or services that have addictive or harmful effects on people (such as illicit drugs, gambling, tobacco, pornography), activities that are excessively harmful to the environment, predatory practices or exploitation and abuse of human dignity or freedoms.

Why choose Christian Super for your pension?ETHICAL INVESTMENTChristian Super invests your retirement savings in ethical and responsible investments that are in line with your Christian values.

PENSION PRODUCTChristian Super offers convenient transition from work to retirement, all in one fund, through our Transition to Retirement Pension.

INVESTMENT OPTIONSYou can choose from several investment options, ranging from conservative to aggressive. You can mix and match any number of options to suit your own preferences.

HELP WHEN YOU NEED ITIf you have questions about your Christian Super Pension, you can call our Member Care Centre on 1300 360 907.

QUALIFIED STAFF

Our staff offer professional services to help you with all your enquiries. We can also give you limited personal advice (at no extra cost) over the phone about areas like beneficiaries and investment choice.

FINANCIAL SERVICESMembers have access to quality, Bible based financial education and advice as well as other financial management products and services.

COMMUNICATION We keep you informed about your super and what’s happening to help you understand and manage your super. If you provide your email address, we’ll send you a copy of our e-newsletter which contains regular updates and information to assist you.

ONLINE ACCESSYou can view your up-to-date account information via the Christian Super website at any time. You can do many transactions online, including updating your personal details, changing your investment choice or changing your nominated beneficiaries.


WITH CHRISTIAN SUPER YOU ARE INVESTING IN YOUR FUTURE, WHILE INVESTING IN THE FUTURE OF OTHERS.


PENSIONS EXPLAINEDWHY HAVE A PENSION?Christian Super pensions allow you to convert a lump sum superan-nuation amount to a regular income stream. With a Transition to Retirement Pension you can draw income from your pension while you are still employed.

CAN I HAVE A PENSION?You can generally start a pension once you have reached your preservation age (refer to page 13) and retire permanently from the workforce. However you may start a Transition to Retirement Pension at any time after reaching your preservation age.Your initial pension account must be at least $20,000. You can set up your pension account using your accumulated superannuation in Christian Super. You can also transfer amounts from other funds.

You may also be able to transfer amounts from your personal savings. However, these need to go into an active superannuation account first. Please note that you can not add further contributions or rollovers to your pension account after it has commenced. It ’s therefore important that you have transferred all money you want to include before we commence your pension.

HOW DO I START A PENSION?Simply complete the attached Pension Application Form and provide Proof of Age (certified copy of a licence or passport) for you, and also for your dependant if you have selected a reversionary beneficiary.

Your initial investment can include rollovers from other funds and other transfer payments. Please complete a Request to Transfer Form (at the back of this Pensions Guide or available from our Member Care Centre or website) for any rollovers that you would like Christian Super to arrange for you. If you’re an existing Christian Super member you can also use the online e-rollover service to complete transfers from other superannuation funds.

We will only commence your monthly pension payments after we have received all transfers that you list (amounts cannot be added to a pension after payments have started). Please note that if you are an existing Christian Super member we will first consolidate any transfers into your current member account – any change in your chosen investment option will only take effect once the pension starts.

HOW IS MY PENSION INVESTED? You can choose from several different investment options. Each option has a different investment objective and strategy to reflect your specific needs. Full details about these options can be found on pages 18 and 19.

Investment earnings on pension assets are not taxed, so actual returns (if positive) will generally be greater (and less if negative) than those attained in the equivalent non-pension options.

WHERE CAN I GET HELP?You may wish to speak to a financial adviser to help you make the most of your retirement savings. Contact us on 1300 360 907 for a financial advisor who can assist you.

WHAT HAPPENS WHEN I DIE?When applying you can nominate what you would like to happen to your remaining pension account when you pass away.

You can nominate that your spouse will continue to receive monthly payments as a reversionary pension.

If you don’t nominate your spouse for a reversionary pension, your remaining account will be paid as a lump sum to your dependants or to your estate (at the Trustee’s discretion, having regard to any preferred beneficiaries). Alternatively, you can make a Binding Nomination where you direct the Trustee to pay your benefit to one or more dependants specified by you.

ANTI-DETRIMENT PAYMENTWhen death benefits are paid to a member’s beneficiaries, it can be made up of a number of parts, including the member’s account balance and any insurance benefit that may apply. It may also contain an additional payment called an ‘anti-detriment payment’. Like all payments to adult children, anti-detriment payments paid to adult children may be subject to tax, the amount of which will depend on the individual’s circumstances.

At Christian Super, we pay anti-detriment payments where they apply to lump sum death benefit payments to our members’ beneficiaries. You must apply for this payment.

As with all estate planning decisions about your super, everyone’s situation is different and it is always recommended that you seek advice from a licensed financial advisor.

7Christian Super Pension PDS 7Christian Super Pension PDS

A PENSION CAN TAKE THE HASSLE OUT OF HAVING TO MANAGE YOUR OWN INVESTMENT PORTFOLIO IN RETIREMENT AND CAN PROVIDE A TAX EFFECTIVE

WAY TO DERIVE REGULAR PAYMENTS FROM YOUR RETIREMENT SAVINGS.


HOW YOUR CHRISTIAN SUPER PENSION WORKSThe money in your Christian Super Pension account is placed into your selected investment options. Earnings accrue tax free and are applied to your account. You receive regular pension payments, and fees are deducted.

You decide how much you want to receive as a regular pension payment (subject to the legislated minimum annual limit). That amount is deducted from your Christian Super Pension account and transferred, net of any tax if you are under 60 years of age, into your nominated bank account. If you have unrestricted benefits, you can also make lump sum withdrawals.

After 1 July each year you can change the amount of pension you want to receive, to reflect changes in the minimum annual amount and your account balance. You can also change your amount at any time during the year, subject to the minimum annual amount.

Payments continue until your account is fully drawn. How long your pension will last therefore depends on:

• The total amount in your account at the start

• Investment earnings (or losses) and fees allocated to your account

• The level of pension you choose each year

• Any lump sum withdrawals you make

If you pass away, any amount remaining in your account can either be applied to continue payments to your dependant, or it can be paid out in full to your dependants or estate (see page 13).

KEY FEATURES

CHRISTIAN SUPER PENSIONCHRISTIAN SUPER TRANSITION TO RETIREMENT PENSION

Initial account: $20,000 minimum. You can rollover money from other funds and may be able to transfer other savings.

Pension payments: You can receive pension payments: twice a month, monthly, quarterly, half yearly or yearly.

Start of pension:You must generally have reached preservation age and have satisfied the preservation requirements.

You must have reached preservation age.

Pension term: Payments continue until your account runs out.The pension automatically reverts to a Christian Super Pension when preservation no longer applies.

Pension amount:You select the amount, subject to a legislated lower limit that is recalculated at 1 July each year.

You can withdraw no more than 10% of your account balance each year. You must ensure that you withdraw a minimum amount from your account.

Lump sum withdrawals:Permitted at any time, up to the full remaining balance in your pension account.

Permitted only if a condition of release is met.

Investment options: Several ethically directed investment options (refer to page 18 and 19).

Administration fees: $1.75 per week plus 0.2% pa (expense recovery fee) of your account balance (refer to page 20).

Investment fee: Management fees of 0.35% to 0.80% depending on your chosen option (refer to pages 18-20).

Tracking your Pension:Using the online MemberAccess login, you can view your investment, check your pension payments, switch investment options and much more.

Tax: All investment earnings are tax free. All pension payments are tax free if you are 60 years or over.

Commission: Christian Super does not pay any commission to intermediaries.


TRANSITION TO RETIREMENT PENSIONS ALLOW YOU TO DRAW INCOME FROM YOUR SUPERANNUATION WHILE YOU ARE STILL EMPLOYED.


Age at 1 July Minimum

limitAge at 1 July

Minimum limit

Under 65 4% 85 to 89 9%

65 to 74 5% 90 to 94 11%

75 to 79 6% 95 or over 14%

80 to 84 7%

HOW MUCH IS MY REGULAR PENSION?The Christian Super Pension allows you to nominate the pension income you wish to receive, subject to the legislated minimum limits. You can also change the amount during the year. This gives you the flexibility to alter your pension to meet specific needs from one year to the next year.

Each year you must take from your account the minimum pension as shown in the table below. The Government sets these age based amounts, which are applied to your account balance at the start of your pension (pro-rata for a partial year) and at each subsequent 1 July to determine the required minimum for your pension payments each year.

Note that a maximum limit of 10% applies for Transition to Retirement pensions, in addition to the minimum limit.

We will send you a statement after 1 July each year that shows your new limit and allows you to change your payment amount for the following year.

HOW CAN I RECEIVE MY PENSION PAYMENTS? Your pension payments will be credited to your nominated bank, credit union or building society account.

Example

Jenny is 66 years old. She is starting a Christian Super Pension on 1 October with a total account balance of $240,000.

Her annualised minimum Pension is $12,000 pa (=5% of $240,000).

The first year is only 9 months, so her pro-rata minimum Pension is $9,000 (= 9/12 x $12,000). This equates to $1,000 per month over the 9 months.


CAN I TERMINATE A CHRISTIAN SUPER PENSION?Yes, at any time you can take your remaining account balance from a Christian Super Pension as a lump sum. If you have a Transition to Retirement Pension, you can stop your pension and return your benefit to a superannuation accumulation account.

Tax may apply if you are aged under 60. Alternatively, you may be able to transfer your account balance back into a normal superannuation account or to another pension.

CAN I DRAW A LUMP SUM?You can make lump sum withdrawals from your Christian Super Pension account at any time in addition to your regular monthly payments, provided you have an unrestricted benefit. This gives you the flexibility to meet specific or unexpected needs.

If you have a Transition to Retirement Pension, you cannot make lump sum withdrawals.

Fees may apply (refer to page 20).

CAN I CHANGE MY INVESTMENT CHOICE?You have the option to change your investment choice at any time. You can switch your investment options at www.christiansuper.com.au by logging into your Member Access account using your password. Alternatively you can use the “Investment Choice Form - Pension Member” which you can download from our website or from our Member Care Centre by calling 1300 360 907.

You will receive communication from Christian Super confirming any investment switches that you make.

HOW DO I CREATE MY OWN PORTFOLIO?You can create your own portfolio by choosing the percentages of one or more investment options. Your selected percentages must total 100%.

If you invest in more than one investment option, you can select from which options and in what proportions your pension payments, fees and charges are deducted.

WHICH INVESTMENT OPTION WOULD YOU LIKE YOUR PAYMENT AND FUTURE TRANSACTIONS TO COME OUT OF?If you have more than one investment option, your payments will be deducted from the investment option that you have selected on the application form.

If your selected future transaction investment options do not have sufficient funds, the payment will be proportioned across your remaining investment options.

You may change your future transaction investment option at any time by changing this online at www.christiansuper.com.au.

WHEN DO I GET PAID MY PENSION?You can choose for your pension to be paid twice a month, monthly, quarterly, half yearly or yearly. If you choose to be paid:

Twice a month Payments will usually be processed on the 15th and the 28th of each month

Monthly Payments will usually be processed on the 15th of each month

Quarterly Payments will usually be processed on the 15th of January, April, July and October

Half-yearly or yearly You need to nominate the month(s) in which you wish to be paid. Payments will usually be processed on the 15th of the nominated month(s)

If the usual date of payment is not a business day, your payment will generally be processed on the previous business day. Pension payments usually take one business day to be credited to your bank account. It may take slightly longer if you have nominated a credit union or building society account.

Where your pension commences on a day other than 1 July, we will pro-rata the payments in the first year. If you start your pension between 1 June and 30 June, you can nominate to be paid in that financial year or wait until the next financial year.

Example

If you have invested 20% in Ethical Cash and 80% in Ethical Growth, you may choose to have all your pension payments, fees and charges deducted from just one option, such as Ethical Cash. If the account balance in this option runs out, payments will be deducted proportionally from across your other investment options.


ESTATE PLANNING CAN BE COMPLEX. CHRISTIAN SUPER RECOMMENDS YOU SEEK THE ADVICE OF A LEGAL PROFESSIONAL OR FINANCIAL ADVISOR.


ESTATE PLANNINGNominating beneficiaries is important, however estate planning can be complex. Christian Super recommends you seek the advice of a legal professional or a licensed financial advisor.

Nominations do not carry over from other previous accounts (even if you had a Christian Super account) so you will need to make a new nomination for your Christian Super pension.

WITH YOUR CHRISTIAN SUPER PENSION YOU HAVE THREE OPTIONS FOR MAKING A NOMINATIONYour Christian Super Pension or Transition to Retirement Pension gives you the following options for providing for your dependants if you die before your pension account runs out. You need to carefully consider which type of nomination best suits your needs.

OPTION 1: Nominate a reversionary beneficiary at the commence-ment of your pension

If you nominate a reversionary beneficiary, your dependant will receive ongoing payments in the event of your death, subject to certain dependancy conditions. To establish a reversionary beneficiary, you must make this nomination in your application. Reversionary nominations are not available after the commencement of the pension and cannot be amended or revoked.

OPTION 2: Nominate binding beneficiaries or a legal personal representative

Binding nominations require the Trustee to pay your superannua-tion benefit as a lump sum to your nominated beneficiaries if your nomination is valid and current. Binding nominations must be renewed every three years. You must only nominate eligible financial dependants. The Binding Beneficiary Nomination Form can be found at www.christiansuper.com.au

OPTION 3: Nominate non-binding beneficiaries

A non-binding beneficiary nomination will indicate your beneficiary preferences and will assist Christian Super to determine who should receive your superannuation benefit as a lump sum. The Trustee is not bound by this nomination and will use this as a guide only.

TRANSITION TO RETIREMENT PENSIONWhat is a Transition to Retirement Pension?

In certain circumstances the Government allows you to access your superannuation as an income stream even if you have not yet retired permanently from the workforce.

You must have reached preservation age to be eligible to commence a Transition to Retirement Pension.

This can be a very useful type of pension, depending on your circumstances.

• If you decide to work fewer hours as you approach retirement you can use your super to supplement your income.

• You may be able to reduce tax on your normal employment income, by using a combined strategy of salary sacrifice contribu-tions and a Transition Pension. You should seek financial advice for your specific situation.

How is it different?

In many respects the Christian Super Transition to Retirement Pension works in the same way as the Christian Super Pension. In particular:• The same investment options apply (including the benefit of

paying no tax on investment earnings within the pension options).• The same minimum limits apply to regular pension payments.

However, there are also important additional rules:

1. Maximum Limit The total of all pension payments you can receive in any financial year is limited to a maximum of 10% of your account balance at 1 July.

2. Lump Sum Payments Until you retire permanently (or otherwise satisfy the preservation requirements) you generally cannot withdraw restricted portions on your pension account as a lump sum payment.

3. Taxation Before age 60, your pension payments may be included in your taxable income.

When does it cease?Your Christian Super Transition to Retirement Pension will automati-cally revert to a Christian Super Pension once you have satisfied the preservation requirements.

PRESERVATIONGenerally, superannuation benefits must be retained in the superannua-tion system until you meet one of a number of specified requirements.

Your Preserved Benefit is available when:

• You retire from the workforce after reaching the Preservation Age as follows:

Date of Birth Preservation Age

before 1/7/60 55

1/7/60 - 30/6/61 56

1/7/61 - 30/6/62 57

1/7/62 - 30/6/63 58

1/7/63 - 30/6/64 59

after 30/6/64 60

• You reach the age of 60 and are leaving your employer.

• You reach the age of 65.

• You satisfy another prescribed condition of release.

Before then, you may receive an income (after reaching your Preserva-tion Age) from a Transition to Retirement Pension while you are still working. You can also transfer (or rollover) your benefit from one fund to another at any time.

Preservation does not apply to certain non-preserved amounts built up before 1 July 1999 – these are shown on your annual Pension Statement. An Unrestricted Non-Preserved Benefit can be taken at any time, while a Restricted Non-Preserved Benefit can generally be taken when changing employment.


WHAT IS ETHICAL INVESTING?As a Christian community we share a wide range of core values – the authority of God, respect for human life and the importance of caring for God’s creation. Our ethical investment strategy focuses on investments that support these core values.

This means that at times we invest your superannuation differently to other funds. We do not invest in certain companies or industries that are involved in certain activities (highlighted in the table). But perhaps more importantly, we actively invest in ways that encourage positive outcomes.

Christian Super takes into account labour standards and social, environmental and ethical considerations for the purposes of selecting, retaining or realising investments. Some examples of these types of investments are included in our Investment Guide.

ETHICAL INVESTING AND RETURNSBecause Christian Super invests for the long term and in different ways to other superannuation funds, there will be times when your investment with Christian Super performs differently to other superan-nuation funds. But like other superannuation funds, Christian Super’s investments are exposed to global economic conditions. This means that the value of investments can rise and fall.

The more aggressive the investment option, the more likely it is to experience a negative return or a very positive return, particularly over shorter time frames. This is why it is important to make sure that your investment choice fits well with your investment horizon – the amount of time you have to invest. You should also make sure, if you are in an aggressive investment option, that you are comfortable with the more volatile returns that these options experience over shorter time periods.

We are constantly monitoring investment markets in Australia and around the world to find the best long-term investment opportunities for each of the investment options we offer, to make sure that your retirement is resourced and purposeful.

WHERE YOUR MONEY IS INVESTED

Companies that are: We avoid companies that:

Ethical and honestProduce addictive or harmful goods or services

Professional and accountable

Excessively damage the environment

Environmentally responsible Utilise exploitation or predatory practices

Socially beneficial Seriously violate human rights

Financially strong

3 7

Microfinance Gambling

Renewable energy Pornography

Sustainable agriculture Weapons

Clean technology Alcohol & tobacco

Community infrastructure Child Labour

Embryonic stem cell research

Fast food

There has, at times, been a misconception that investing in accordance with your values is damaging to your investment return. A large number of academic studies now demonstrate that this is not the case. In fact there is an increasing body of evidence suggesting that investing ethically and taking environmental, social and governance considerations into account can improve the overall performance of an investment portfolio.

ETHICAL INVESTING

Companies that:

Produce addictive or harmful goods or services

Excessively damage the environment

Utilise exploitation or predatory practices

Seriously violate human rights

Companies that are:

Ethical and honest

Professional and accountable

Environmentally responsible

Socially beneficial

Financially strong

WE DO INVEST IN:

SUPER THAT IS CHANGING THE WORLD

Industries founded on:

Gambling

Pornography

Weapons

Alcohol & tobacco

Child labour

Embryonic stem cell research

Fast food

Industries like:

Microfinance

Renewable energy

Sustainable agriculture

Clean technology

Community infrastructure

Social enterprise

WE DON’T INVEST IN:


INVESTMENT INFORMATIONINVESTMENT STRATEGYChristian Super’s professional investment team oversees the Fund’s overall investment portfolio to ensure that it is invested wisely. All assets are held by a custodian to ensure that your retirement savings are kept secure, and the Fund engages a wide range of professional advisers, including a dedicated investment consultant and specialist fund managers. A list of the professional advisers and fund managers used by Christian Super can be found in our latest Annual Report.

The Fund and its investment managers may use derivatives (such as futures and options) to assist with the effective management of the investments. Derivatives are not used for ‘gearing’ the portfolio.

Christian Super’s ethical investment strategy has been highly recognised within the superannuation and financial industries, through various awards:

• Ethical Investor’s Sustainable Super Fund of the Year (2011, 2008)

• Money Magazine’s Best Green Super Fund (2014, 2011)

• SuperRatings’ Infinity Award (2013, 2010) and Infinity Recognised (2015, 2014, 2012, 2011)

• Gold Super SuperRatings (2015, 2014, 2013)

• Gold Pension SuperRatings (2015, 2014, 2013)

• Super Review’s Best Environmental Sustainable & Governance (ESG) Fund of the Year (2014)

RISK & RETURN

While all investment carries risk, generally investments that have the potential to generate higher returns bring with them a greater level of risk. The value of such investments also tends to fluctuate more.

Growth assets (such as shares and property) have been shown over long periods of time to provide higher returns than defensive assets (such as bonds and cash). This means that the more aggressive options (Ethical High Growth and Ethical Growth) will tend to provide better returns over the long term, but are also likely to fluctuate more and experience more periods of negative returns.

INVESTMENT OBJECTIVES

While investment markets can fluctuate over the short and medium term, Christian Super’s investments are made with a view to providing long term returns. We strive to invest your superannuation in ways that provide the best opportunity for your account to grow at a rate greater than inflation, over long periods. You can have confidence that your retirement savings are being invested well. They are actively promoting positive outcomes in communities in Australia and around the world, and at the same time they are invested with a view to your retirement needs.

ASSET CLASSESEach investment option invests in a range of assets, broken down into asset classes as shown on pages 18 & 19. As an indication, the types of assets held by each asset class are listed below. These are indicative only and will change from time to time as the Fund reallocates assets to take advantage of the best investment opportunities.

Asset Class Typical Investments

Australian Shares

The Australian Shares portfolio invests in Australian companies that are listed on the Australian Stock Exchange, such as CSL and Stockland.

International Shares

The International Shares portfolio invests in large companies that are listed on stock exchanges around the world, such as BT or Danone.

Alternative Assets

The Alternative Assets portfolio includes a wide range of assets not included elsewhere in the portfolio, such as Microfinance, Community Infrastructure, Renewable Energy and Sustainable Agriculture.

Property

The Property portfolio is predominantly invested in unlisted office, retail and industrial property around Australia. The portfolio contains a small amount of overseas property and some listed Australian Retail Investment Trusts.

Fixed Interest

The Fixed Income portfolio includes Term Deposits and Floating Rate Notes in a wide range of financial institutions in Australia and overseas. There is also some Sovereign Debt in the portfolio.

CashThe Cash portfolio is made of up Term Deposits of up to 180 days in Authorised Deposit-taking Institutions in Australia.

Ethical High Growth

Ethical Growth

Ethical Balanced

Ethical Stable

Ethical Cash

Risk

Retu

rn

INVESTMENT OPTIONS AND PERFORMANCEAll investments carry some risk. Different investment strategies may carry different levels of risk depending on the assets that make up the investment strategy.

Investing in assets with potentially the highest long-term returns may also carry the highest level of short-term risk.

Super funds invest in a range of asset classes – for example, cash, bonds, property and shares – that have different levels of risk. Funds also offer a variety of investment options, made up of different combinations, of these asset classes.

When considering your investment in super, it is important that you consider the following:

• the value of investment options will vary

• the level of returns for each investment option will vary and future returns may differ from past returns

• investment returns are not guaranteed and you may lose some of the monies you have invested

• superannuation laws may change in the future; and

• the level of investment risk appropriate for each person may vary depending on a range of factors such as age, investment time frames, where other parts of the person’s wealth are invested; and their risk tolerance

You may wish to consider seeking professional advice about these risks and the potential for them to impact you in view of your personal circumstances.

Christian Super can provide you with some advice in this area free of charge through our intrafund advice services or can alternatively put you in contact with a Financial Advisor for advice consistent with your Christian principles.



PENSIONS INVESTMENT OPTIONS & PERFORMANCE

INVESTMENT FEE: 0.80% pa

INDIRECT COST RATIO: 0.10% pa

INVESTMENT OBJECTIVE• Exceed relevant survey median

returns over 5 to 7 year periods• Exceed Benchmark Portfolio

returns over shorter periods

EXPECTED NEGATIVE RETURNS 4 in 20 years

52% growth

RISK: medium to high

48% defensive

5SUITABLE TIME HORIZON

YEA

RSAT

LEAST

TARGET RETURN: Achieve a 3% average annual return above inflation (CPI) over 3 year periods

ETHICAL BALANCED

5 YEAR AVERAGE ANNUAL RETURN*8.5% pa *5 years to 30 June 2015

RETURN FOR YEAR ENDING 30.06.15 7.4%

HISTORY OF RETURNS OVER LAST 5 YEARS

Growth AssetsAustralian Shares 19%International Shares 17%Growth Alternatives 8%Property 8%

Defensive AssetsDefensive Alternatives 12%Fixed Interest 36%

10.6%

15

7.4%

11

8.5%

12

1.8%

-15

-10

-5

0

5

10

15

20

8.6%

5 year average ending 30.06.15

Inve

stm

ent r

etur

n %

pa*

Year ending 30 June

*net of fees & taxes

14.2%

13 14







74% growth

RISK: high

26% defensive


YEA

RS

AT LEAST

TARGET RETURN: Achieve a 3.5% average annual return above inflation (CPI) over 3 year periods

ETHICAL GROWTH






13

13.1%9.0%

15

8.7%

11

-0.7%

12

-15

-10

-5

0

5

10

15

20

9.8%

5 year average ending 30.06.15Inve

stm

ent r

etur

n %

pa*

Year ending 30 June


18.8%

14

YEA

RS







100% growthRISK:

high


AT LEAST


ETHICAL HIGH GROWTH





13

-5.0%

09

16.8%

11.4%

-15

-10-5

0

510

1520

11.8%

5 year average ending 30.06.15

Inve

stm

ent r

etur

n %

pa*

Year ending 30 June


11

9.5%

12

2526.3%

14

30

15


PENSIONS INVESTMENT OPTIONS & PERFORMANCELIST OF INVESTMENT MANAGERS AS AT 30 JUNE 2015

AUSTRALIAN SHARES

• Ausbil Dexia• Goldman Sachs• Integrity• Tribeca Small Caps

INTERNATIONAL SHARES

• Colonial First State (Emerging Markets)

• Candriam• State Street• QS Investors

PROPERTY

• Dexus• AMP Office• GPT• Lend Lease• SG Hiscock

GROWTH ALTERNATIVES

• Stafford (Clean Technology)• Microvest (Microfinance)• Shenkman (Credit)• IFM (Infrastructure)• Leapfrog (Microinsurance)• Sovereigns Capital (Private Equity)• IFC Catalyst Fund

(Renewable Energy)• All States

DEFENSIVE ALTERNATIVES

• AMP (Community Infrastructure)• Australian Farms Fund Management

(Sustainable Agriculture)• Mercer (Diversified)• Triodos (Microfinance)• Newpin (Social Benefit Bonds)• Laudex (Education Loans)• GEEREF (Renewable Energy)

FIXED INTEREST

• AMP• Foresters Community Finance• Internal Portfolio• Kapstream*

CASH

• Internal Portfolio

* added Since 30 June 2015

RISK: very low

EXPECTED NEGATIVE RETURNS HIGHLY IMPROBABLE

100% cash


INDIRECT COST RATIO:0.01% pa




TARGET RETURN: Achieve consistent annual returns comparable to bank rates


YEA

RS

UNDER

ETHICAL CASH




Defensive AssetsCash 100%

5.4%

11

2.8%

15

5.3%

-15

-10

-5

0

5

10

15

20

12

4.2%

Inve

stm

ent r

etur

n %

pa*

Year ending 30 June

5 year average ending 30.06.15*net of fees & taxes

13

4.3% 3.3%

14









35% growth

RISK: medium

65% defensive


YEA

RS

AT LEAST





ETHICAL STABLE

12

4.4%

9.2%

15

6.6%

11

-15

-10

-5

0

5

10

15

20

7.8%

Inve

stm

ent r

etur

n %

pa*

Year ending 30 June

7.9%

5 year average ending 30.06.15*net of fees & taxes

13

10.9%

14


FEES AND COSTSDID 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 fund 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.

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 fee calculator to help you check out different fee options.

FEES AND COSTSThis section provides a summary of the main fees and costs for your pension fund. This information can be used to compare costs between different superannuation products.

Type of fee or cost

Amount How and when paid

Investment fee 0.35 - 0.80% ^ depending on your investment option.

Deducted from gross investment returns, and do not appear as a transaction on your statement.

Administration fee

$91 p.a. ($1.75 per week) plus 0.2% expense recovery fee

Deducted from account balance each month.

Buy-sell spread nil N/A

Switching fee nil N/A

Exit fee $52 Deducted from account balance when a withdrawal occurs (excludes regular pension payments)

Advice fee Full financial planning advice is available upon request through our Member Care Centre

Free advice is available through Christian Super’s Member Care Centre.

FULL financial advice: fees as per Statement of Advice.

Additional fees & charges

Refer to the Fees and Charges document.

Indirect cost ratio

0.01-0.13%, depending on your investment option.

Deducted from gross investment returns, and do not appear as a transaction on your account statement.

You should be aware that fees and costs can be paid either directly from your account or deducted from your investment returns. If we change our fees, we will notify you no later than 30 days before the change occurs. Fees may vary at any time at Christian Super’s descretion.

^ This includes an estimate of performance fees, which may vary from year to year.

You may wish to use the calculator provided by ASIC on its MoneySmart website for a better understanding on how superan-nuation can work for you.

EXAMPLEYou may use the worked example below to compare with other super funds.

EXAMPLE: Ethical Growth Investment Option

Type of fee or cost

Amount How and when paid

Investment fee 0.80%For every $50 000 you have in the Ethical Growth option you will be charged $400 each year.

Plus Administration fee

$91p.a. ($1.75 per week) plus 0.2% expense recovery fee

And, $91 in administration fees, regardless of your balance, plus $100.

Plus Indirect costs for the Ethical Growth investment option

0.117%*And further indirect costs of $58.50 each year will be deducted from your investment.

EQUALS

Cost of product

If your balance was $50,000 then for that year you would be charged $649.50.

* Additional fees may apply, e.g. if you leave the Fund you will incur an exit fee of $52

PERFORMANCE FEES The Fund has agreed certain targets with some investment managers that exceed the stated objectives for the Fund’s investment options. A performance based fee (generally not exceeding 0.3% pa) would apply if fund managers meet or exceed their targets. Such fees are deducted from gross investment returns and are included in the investment fee.

FEES PAID TO A FINANCIAL ADVISER If you have a financial adviser, advice fees can be deducted from your account if you provide a signed authority. Contact our Member Care Centre for details. You may also have to pay other fees to your adviser. See the Statement of Advice given to you by your adviser.

DEFINITIONS

Administration fee

Fees and costs relating to the administration or operation of Christian Super.

Investment fee Fees and costs relating to the investment of your assets, including performance fees.

Exit fee Fee to recover cost of disposing all or part of your interests in Christian Super.

Advice fee Fee relating to the provision of financial advice to a member by Christian Super, or by another person under an arrangement with Christian Super

Switching fee Fee to recover costs of switching between investment options.

Buy-sell spread Costs incurred relating to the sale and purchase of assets.

Indirect Cost Ratio

The ratio of the total indirect costs for the investment option, to the total average net assets of Christian Super attributed to the investment option.


HELPING YOU TO LIVE WITH FINANCIAL HEALTH AND UNDERSTANDING


TAX ON PENSIONSTaxation information provided in this PDS is of general nature only and does not take into account your personal circumstances. As changes to taxation laws can and do occur, we recommend you seek professional taxation advice with regard to your personal circumstances.

Generally, your super benefit includes tax-free and taxable components when you receive pension payments or make a lump sum withdrawal. The taxable component comprises of a taxed element and an untaxed element. You do not pay tax on the tax-free component of your super when you withdraw it, regardless of your age or the way you withdraw it. Please note that the tax-free component cannot be withdrawn on its own.

Tax free component Taxable component

Pension Payments

Aged 60 and over Tax-free Tax-free

Preservation age to 59 Tax-free Taxed at your income tax rates less 15% tax offset

Preservation age and under and totally and Permanently disabled

Tax-free Taxed at your income tax rates less 15% tax offset

Preservation age and under Tax-free Taxed at your income tax rates

Lump sum withdrawals

Aged 60 and over Tax-free Tax-free

Preservation age to 59 Tax-freeNo tax up to the low rate threshold for payments to the member, then taxed at 15% plus Medicare Levy thereafter

Preservation age and under Tax-free Taxed at 20% plus Medicare Levy

Terminally ill Tax-free Tax-free

Pension benefits upon death if paid as a pension to your beneficiary

You are aged 60 or over when you die Tax-free Tax-free

You are aged 59 or under when you die Tax-freeIf your beneficiary is aged 60 or over – tax-free

If your beneficiary is aged 59 or under – taxed at their marginal income tax rates less 15% tax offset

Pension benefits upon death if paid as a lump sum to your beneficiary

Your beneficiary is a dependant for tax purposes Tax-free Tax-free

Your beneficiary is not a dependant for tax purposes Tax-freeTaxed element is taxed at 15% plus Medicare Levy

Untaxed element is taxed at 30% plus Medicare Levy

DEATH BENEFIT INCOME STREAMS

The way tax applies to a death benefit paid as an income stream depends on several factors, such as:

• The age of the person receiving the benefit

• The age at which the deceased died

• Whether the recipient is a dependant, including a child who is permanently disabled.


PURPOSEFUL RETIREMENTWhat will it look like for you?

WHAT DO I DO NEXT?Consider speaking with a financial advisor to discuss what options are available to you for creating a sustainable income stream and maximising your superannuation savings.

Call our Member Care Centre to discuss: • Investment Choice • Contribution Strategies • Insurance

Investing in your retirement requires forward thinking and prayerful planning. Most people will acknowledge the financial aspect of retirement planning; however there are many other ways to invest in your retirement!

RETIREMENT TIPSHere are some tips on how you could invest in a purposeful retirement:

• Look for ways of being involved in your local church

• Spend time with your spouse reading the Bible over a meal each day

• Use your passion and skills to teach someone

• Teach English as a second language

• Like travel? Consider going on mission!

• Turn your walk or swim into a regular prayer time

• Share a cup of tea with someone who would love some company

• Build, learn or make something with your grandchildren

• Teach Scripture at your local primary school

• Write a blog and share with others what you have learned and are learning in your faith journey

• Be involved in your grandchild’s school. Schools need volunteers and grandchildren love their grandparents!

• Mentor someone and invest in the generation coming through after you

Retirement is more than the sum total of your financial superannua-tion. Your life experience, profession, time as a parent, grandparent or carer, unique gifts, interests and personality are all valuable resources capable of producing a rich harvest, as well as being an investment with eternal outcomes.

PREPARING FINANCIALLY• Consolidate your super funds... and save the time,

money and effort of managing more than one fund

• Pay off debt – consumer debt and then mortgage debt

• Save 3 to 6 months’ living expenses as a buffer

• Understand how much you will need to live on in retirement

• Implement all the available strategies to save for retirement. Here are just a few:

• Government Co-contribution

• Eligible Spouse contribution

• Salary Sacrifice

• Transition to Retirement

• Deductible contributions to offset capital gains tax

However, I consider my life worth nothing to me; my only aim is to finish the race and complete the task the Lord Jesus has given me —the task of testifying to the good news of God’s grace. Acts 20:24


To apply for a Christian Super Pension or a Christian Super Transition Pension:

• Complete all 3 pages of this form.

• Sign and date the form.

• Complete a Tax File Number Declaration.

• Send the form together with any transfer amounts or Request to Transfer Forms and a Proof of Age copy to our Member Care Centre (see address details on page 3).

We will confirm your details by letter.

PENSION APPLICATION FORM

Please include some certified Proof of Age (copy of your licence or passport) with your application. For more information on Certified ID, please refer to the back of the Transfer Funds Form on page 28

YOUR PERSONAL DETAILSMr/Mrs/Ms/Rev/Other Surname

nnnnnnnnnnnnnnnnnnnnnnGiven Names Date of Birth [Proof required]

nnnnnnnnnnnnn nnnnnnnnResidential Address

nnnnnnnnnnnnnnnnnnnnnnnnSuburb/Town State Postcode

nnnnnnnnnnnnnnnnnnnnnnEmail

nnnnnnnnnnnnnnnnnnnnnnnnPostal Address [if different from above]

nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnPhone [business hours] Mobile

nnnnnnnnnn nnnnnnnnnnIf any of the above details are changes please specify your previous details:

nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn

Please turn over to complete page 2 & 3 CZ 984.0 08/15 ISS4

YOUR INVESTMENT AMOUNTYour Christian Super accumulation Member number: nnnnnnnnnnFrom this account please transfer to my Christian Super Pension account:

The maximum amount while keeping the account open with a minimum balance ($5,000)

The full balance, closing the accumulation account (conditions apply, note on left)

A specific nominated amount of: nn,nnn,nnnFor additional amounts being added to the start balance of your Christian Super Pension account:

I have completed a Request to Transfer Form to transfer my super from another fund to Christian Super.

Combine with my existing Christian Pension account No. nnnnnnnnnnThe minimum initial investment for a Christian Super Pension is $20,000.

$

If you have requested a full transfer and closure of your accumulation account, this requires notification of your employment termination and may be delayed until all contributions or pending rollovers have been received.

Please refer to your Pensions Guide to read about the key features and about your choices.


YOUR INVESTMENT CHOICEPlease indicate which investment options(s) you would like your money invested in and paid from.

You can nominate the amount of pension you would like to receive (before tax), subject to the legislated minimum limit.

If you don’t make a choice, or your choice does not add up to 100%, your money will be invested in and deducted from the Ethical Growth option, until you make a valid invest-ment choice.

YOUR PAYMENT ELECTIONHow much would you like to be paid? Please select one of the following for the total amount (before tax) you want to receive*:

The minimum amount allowed under government legislation

The maximum amount allowed under government legislation (Transition to Retirement Pension only)

A specified amount $nnn,nnn This amount must be within the minimum and maximum (if applicable) limits. We will adjust your specified amount to the minimum or maximum if it does not fall within the limits.

* If you do not make a selection, you will be paid the minimum amount allowed under government legislation

HOW OFTEN WOULD YOU LIKE YOUR PENSION TO BE PAID?I elect to receive my income payments:

Twice a month Monthly Quarterly Half-yearly Annually

For half-yearly & yearly payments, please elect starting month (e.g. July)

nnnnnnnnn

Current Balance: I would like to commence

my pension below

Payments & Transactions: I would like my pension payments

and transactions deducted as below:

Ethical Cash nnn% nnn%

Ethical Stable nnn% nnn%

Ethical Balance nnn% nnn%

Ethical Growth nnn% nnn%

Ethical High Growth nnn% nnn%

MUST TOTAL nnn% nnn%

YOUR BANK DETAILSPlease provide details of your Bank or Credit Union to which your pension payments are to be made.Name of Financial Institution

nnnnnnnnnnnnnnnnnnnnnnnnBranch Name

nnnnnnnnnnnnnnnnnnnnnnnnName of Account

nnnnnnnnnnnnnnnnnnnnnnnnBSB Number Account Number

nnnnnn nnnnnnnnn

If you are a member of a Credit Union, please confirm which account number you should provide for direct credit payments.

Please complete page 3

1 0 0 1 0 0

Page 2

YOUR PENSION ACCOUNT TYPEPlease choose from the following options which describe your employment status and age.

Aged 65 and over.

Aged 60 to 64 and have ceased work with an employer after turning 60 (provide details below).

Preservation age* and over and applying for a Transition Pension (can still be working)

Preservation age* and over and permanently retired from the workforce (provide details below).

The date you ceased work (if applicable): nnnnnnnn

* Refer to page 13 of the Pension Guide

MEMBER DECLARATION1. I declare that the details on this form are true and correct.

2. I have received and read Christian Super’s Product Disclosure Statement – Pensions Guide.

3. I understand that my pension will be bound by the provisions of the Fund’s Trust Deed.

4. I acknowledge that I have access to Christian Super’s Privacy Policy and understand that my personal information will be handled to provide and manage my pension.

5. I declare that I am a permanent resident or citizen of Australia or New Zealand. I am not a Temporary Resident Visa holder and am eligible to apply for this superannuation product.

YOUR PREFERRED BENEFICIARIESYou can choose how you would like your pension to be paid when you die. Please select one of the following:

Pay to my Estate

Reversionary Pension Any remaining account balance should be paid as a reversionary pension to my dependant.*

Mr/Mrs/Ms/Rev/Other Surname

nnnnnnnnnnnnnnnnnnnnnnGiven Names Date of Birth

nnnnnnnnnnnnn nnnnnnnnOR

Lump Sum Payment (Complete in the presence of witnesses to make a Binding Nomination)The Trustee should pay my account balance as a lump sum to my nominated dependants (ie. Spouse, children, or other person dependent on you) at its discretion, or to my legal personal representative.

Your Signature

Date

nnnnnnnn

Check total 100%

1. Name of Dependant

nnnnnnnnnnnnnnnnnnnnnnnnRelationship % of Benefit

nnnnnnnnnnnnnnnnnnn nnn2. Name of Dependant


nnnnnnnnnnnnnnnnnnn nnn3. Name of Dependant


nnnnnnnnnnnnnnnnnnn nnnPlease attach a note for additional Dependants if needed.

RETURN THIS COMPLETED FORM TO CHRISTIAN SUPER Locked Bag 5073 Parramatta NSW 2124

FOR MORE INFO CONTACT Ph 1300 360 907 Fax 1300 367 828 [email protected] www.christiansuper.com.au Trustee Christian Super Pty Limited ACN 065 040 619 AFSL No. 244117 RSE Registration No. R1004137ABN 68 065 040 619

You can direct the Trustee to pay your death benefit to one or more Dependants specified by you.

If you have selected a reversionary pension please provide a certified copy of your dependant’s:• Drivers Licence• Passport; OR• Birth CertificateA nomination for a reversionary beneficiary can only be made at the commencement of the pension and cannot be altered after commencement.

For a Binding Nomination onlyName of First Witness Name of Second Witness

Signature of First Witness Signature of Second Witness

Date

nnnnnnnnDate

nnnnnnnn

Page 3

* • The spouse or defacto (in practice) spouse

• Any child of the super member including step-child, adopted child or any child of the member born after the member’s death

• Any person deemed by the Trustee to be partially or entirely financially dependent on the member

• Any person with an interde-pendency relationship with the member


COMPLETING THIS FORM� Read the important pages� Refer to instructions where indicated with a >� This form is only for whole (not part) balance transfers

Rollover initiation request to transfer wholebalance of superannuation benefits between fundsunder the Superannuation Industry (Supervision) Act 1993

AFTER COMPLETING THIS FORM� Sign the authorisation� Send form to either your FROM (transferring) or TO (receiving) fund

Personal detailsTitle Mr Mrs Miss Ms Other

*Family name

*Given names

Other/previous names

*Date of birth

Tax file number

Under the Superannuation Industry (Supervision) Act 1993, you are not obliged to disclose your tax file number, but there may be tax consquences.

See ‘What happens if I do not quote my tax file number?’

*Sex Male Female

Contact phone number

Fund detailsFROM (Transferring fund)* Fund name

Fund phone number

*Membership oraccount numberAustralian BusinessNumber (ABN)Unique SuperannuationIdentifier

Day Month Year

>

! If you have multiple account numbers with this fund,you must complete a separate form for each account youwish to transfer.

Authorisation By signing this request form I am making the following statements:� I declare I have fully read this form and the information completed is true and correct.� I am aware I may ask my superannuation provider for information about any fees or charges that may apply, or any other infomation about the effect this transfer may have on my benefits, and have obtained or do not require such information.� I consent to my tax file number being disclosed for the purposes of consol-idating my account.� I discharge the superannuation provider of my FROM fund of all further liability in respect of the benefits paid and transferred to my TO fund.

*Denotes mandatory field. If you do not complete all of the mandatory fields, there may be a delay in processing your request.

Sensitive (when completed)Nat 71223-07.2013

*Name (Print BLOCK LETTERS)

*Signature

*Date

Day Month Year

TO (Receiving fund)*Fund name

Fund phone number

*Membership oraccount numberAustralian Business Number (ABN)Unique Superannuation identifier

! You must check with your TO fund to ensure they canaccept this transfer

Residential address*Address

*Suburb

*State/territory *Postcode

Previous address

Address

Suburb

State/territory Postcode

If you know that the address held by your FROM fund is different to your current residential address, give details below.

>

CHRISTIAN SUPER

1300 360 907

66628 776 348

66 628 776 348 908CHR0001AU

CH 867.4 07/14 ISS3

3 What is your legal name or registered business name (or your individual name if not in business)?

5 Who is your contact person?

Business phone number

Branch number (if applicable)

4 What is your business address?

Suburb or town


There are penalties for deliberately making a false or misleading statement.

Signature of payerDECLARATION by payer: I declare that the information I have given is true and correct.

Month YearDayDate For WA, SA, NT, VIC or TAS

Australian Taxation Office PO Box 795 ALBURY NSW 2640

Return the completed original ATO copy to:For NSW, QLD or ACT Australian Taxation Office PO Box 9004 PENRITH NSW 2740

6 If you no longer make payments to this payee, print X in this box

Yes No

2 If you don’t have an ABN or withholding payer number, have you applied for one?

Section B: To be completed by the PAYER (if you are not lodging online)1 What is your Australian business number (ABN) or

your withholding payer number?

TAXPAYER‑SENSITIVE (when completed)

IMPORTANTSee reverse side of Payer’s copy for:■ payer obligations■ lodging online.

ORIGINAL – ATO copy

ato.gov.au

This declaration is NOT an application for a tax file number.■Use a black or blue pen and print clearly in BLOCK LETTERS.■Print X in the appropriate boxes.■Read all the instructions before you complete this declaration.

Tax file number declaration

Once section A is completed and signed, give it to your payer to complete section B.

NAT 3092‑07.2013 [JS 27654]

30920713

Section A: To be completed by the PAYEE6 On what basis are you paid? (Select only one.)

Full‑time employment

Part‑time employment

Casual employment

Superannuation or annuity

income stream

Labour hire

7 Are you an Australian resident for tax purposes?(Visit ato.gov.au/residency to check)

Yes NoYou must answer no at question 8.

9 Do you want to claim the seniors and pensioners tax offset by reducing the amount withheld from payments made to you?

NoYesComplete a Withholding declaration (NAT 3093), but only if you are claiming the tax‑free threshold from this payer. If you have more than one payer, see page 3 of the instructions.

8 Do you want to claim the tax‑free threshold from this payer?

Answer no at questions 9 and 10 unless you are a foreign resident claiming a seniors and pensioners, zone or overseas forces tax offset.

NoYes

Only claim the tax‑free threshold from one payer at a time, unless your total income from all sources for the financial year will be less than the tax‑free threshold.

There are penalties for deliberately making a false or misleading statement.

You MUST SIGN here

Signature

Month YearDayDate

DECLARATION by payee: I declare that the information I have given is true and correct.

10 Do you want to claim a zone, overseas forces, dependent spouse or dependent (invalid and carer) tax offset by reducing the amount withheld from payments made to you?

NoComplete a Withholding declaration (NAT 3093).Yes

11 (a) Do you have an accumulated Higher Education Loan Program (HELP) debt?

(b) Do you have an accumulated Financial Supplement debt?

Your payer will withhold additional amounts to cover any compulsory repayments that may be raised on your notice of assessment.Yes No

NoYour payer will withhold additional amounts to cover any compulsory repayments that may be raised on your notice of assessment.Yes

OR I have made a separate application/enquiry to the ATO for a new or existing TFN. For more

information, see question 1 on page 2 of the instructions.

OR I am claiming an exemption because I am under 18 years of age and do not earn enough to pay tax.

OR I am claiming an exemption because I am in receipt of a pension, benefit or allowance.

1 What is your tax file number (TFN)?

2 What is your name? Title: Mr Mrs Miss Ms

Surname or family name

First given name

Other given names

3 If you have changed your name since you last dealt with us, show your previous family name

4 What is your date of birth?

Month YearDay

5 What is your home address in Australia?

Suburb or town


X

3 4 8S U I T E 1 / 1 A H O M E B U S H

6 6 6 2 8 7 7 6B A Y D R I V E

R H O D E S

N S W 2 1 3 8

C H R I S T I A N S U P E R P / L T H E A D M I N I S T R A T O RA S T R U S T E E F O R 1 3 0 0 3 6 0 9 0 7C H R I S T I A N S U P E R

CH 1074.1 07/14 ISS1


This page is intentionally blank


YOUR TAX FILE NUMBERCollection of Tax File Numbers (TFN) is authorised by the Privacy Act 1988, the Superannuation Industry (Supervision) Act 1993, the Tax Administration Act 1953 and the Income Tax Assessment Act 1936. The details below may change in the future as a result of legislative changes.

Your TFN may be used by the trustee only for lawful purposes including:

• Taxing benefit payments at concessional rates.

• Finding and amalgamating your superannuation benefits when insufficient information is available.

• Passing your TFN to the Australian Taxation Office for tax purposes, contributions, if you receive a benefit or have unclaimed superannuation money after reaching the agreed pension age.

• Providing your TFN to a superannuation fund or retirement savings account receiving your rollover. The Trustee will not pass on your TFN if you instruct the Trustee in writing.

• Passing your TFN to the Australian Taxation Office in connection with the Government’s co-contribution scheme.

PRIVACYTo provide you with superannuation and insurance benefits and to properly manage the Fund, Christian Super holds certain personal information about you. This information includes your name, gender, contact details, date of birth, tax file number, and other relevant information. This information is generally collected either from you or your employer.

Your personal information may be disclosed to Christian Super’s administrator, professional advisers, insurers, government bodies, your employer and other parties as required, including the Trustee of any Fund to which you transfer.

Generally you are able to access personal information held by Christian Super about you, and may rectify any incorrect details. There are some circumstances where you may be denied access to your information – Christian Super’s Privacy Officer will notify you if any of these circumstances apply.

Christian Super abides by the Australian Privacy Principles under the Privacy Act 1988 (Cth) and has adopted a Privacy Policy which sets out in further detail the way in which we handle your personal information. You can obtain a copy of Christian Super’s Privacy Policy from our Member Care Centre, or our website.

Christian Super is also subject to the Anti-Money Laundering and Counter-Terrorism Financing Act, which requires it to have in place procedures to identify, manage and mitigate money laundering and terrorism financing risks. At times, to comply with this legislation the Trustee may need to request information about you and/or about actions that you take, or may wish to take, in respect of your superan-nuation account. If required by legislation, information the Trustee holds will be disclosed to the relevant regulator(s).

Christian Super’s insurers have their own privacy statements, and members are able to access personal information held by Christian Super’s insurers. Christian Super’s insurers may in turn disclose your personal information in the process of assessing personal information or claims. The Privacy Statements of the Fund’s insurers may be obtained through the Christian Super National Office.

COOLING-OFF PERIOD You may notify the Trustee within 14 days of receiving confirmation of your membership that you wish to cancel. No exit fee is charged on cancellation. Notice of cancellation must be in writing, with details of the superannuation vehicle to which payment is to be made. The amount of the payment will be adjusted for investment earnings (gains or losses) while the money has been with Christian Super.

FAMILY LAWYour account with Christian Super can be included as part of a property settlement under the Family Law Act. Recent changes made by the Government mean that this can apply in the event of the breakdown of a relationship with a de facto spouse as well as a spouse by marriage. As a result, your account may be split with a proportion of it payable to your former spouse. Related to this, your former spouse may be entitled to request information from the Trustee about your account with Christian Super.

ENQUIRIES & COMPLAINTSIf you (or your beneficiaries) wish to make a formal enquiry or complaint about the operation or management of the Fund or about a decision of the Trustee, contact the Fund’s Complaints Officer within 28 days of becoming aware of the situation.

The Trustee will deal with your complaint as quickly as possible and must give you a written response within 90 days.

If the matter is not resolved to your satisfaction by the Trustee, you may contact the Superannuation Complaints Tribunal (SCT). The SCT is an independent body established by the Commonwealth Government to deal with certain types of complaints.

OTHER INFORMATION


Member Care Centre 1300 360 907 Our member services team are here to help. Call Monday to Friday 9am to 6pm AEST.

christiansuper.com.au Visit us online to get the latest news & information, download forms and factsheets and use our Super calculators.

OnlineAccess your personal records with online login (contact the Member Care Centre if you need login access set up).

CZ 199.2 08/15 ISS8The award winning industry fund that works for you, while working for others.

product disclosure statement - · pdf filechristian super pension pds 27 completing this form...

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