ANZ SMART CHOICE SUPER AND PENSION

1 ANZ SMART CHOICE SUPER & PENSIONThis pack contains the below important documents relevant to ANZ SMART CHOICE SUPER and PENSION . It is important you read and understand each of these documents before deciding to open this superannuation Access Terms and Conditions 84 CONTENTSA dditional Information Guide Fees Guide Buy-Sell Spread Guide 77 Additional disclosure documents ADDITIONAL INFORMATION GUIDE ISSUED 1 JULY 2020 ANZ SMART CHOICE SUPER AND PENSIONIMPORTANT INFORMATIONANZ SMART CHOICE SUPER and PENSION is part of the Fund. When you invest in ANZ SMART CHOICE SUPER and PENSION , you become a member of the Fund. onepath Custodians is the Trustee of the Fund and is the issuer of the ANZ SMART CHOICE SUPER and PENSION Product Disclosure Statement (PDS) (including this AIG, the ANZ SMART CHOICE SUPER Buy-Sell Spread Guide (Buy-Sell Spread Guide) and the ANZ SMART CHOICE SUPER and PENSION Fees Guide (Fees Guide)).

2 This product is distributed by Australia and New Zealand Banking Group Limited ABN 11 005 357 522 (ANZ).The issuer is a company within the IOOF Group of companies, comprising IOOF Holdings Limited ABN 49 100 103 722 and its related bodies corporate (IOOF Group). The ANZ brand is a trademark of ANZ and is used by OPC under licence from ANZ. ANZ is an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). The issuer is not a Bank. Except as described in the PDS, an investment in ANZ SMART CHOICE SUPER and PENSION is neither a deposit nor other liability of either ANZ or IOOF, and none of them stands behind or guarantees the issuer or the capital performance of your investment. Investments made into the investment options are subject to investment risks and other risks.

3 This could involve delays in the repayment of principal and loss of income or principal Life Limited ( onepath Life) ABN 33 009 657 176, AFSL 238341 provides insurance through ANZ SMART CHOICE SUPER and PENSION . onepath Life is a company within the Zurich Financial Services Australia Group. onepath Life and onepath Custodians are not related bodies Fund is governed by a Trust Deed. Together with superannuation law, the Fund s Trust Deed sets out the rules and procedures under which the Fund operates and the Trustee s duties and obligations. If there is any inconsistency between the Trust Deed, the PDS, which includes this AIG and the Fees Guide, the terms of the Trust Deed prevail. A copy of the Trust Deed is available free of charge by contacting Customer cover within ANZ SMART CHOICE SUPER and PENSION is provided by onepath Life.

4 The Trustee reserves the right to change insurer(s), or vary the benefits or insurance fees from time to Trustee relies on a number of third parties for the provision of specialist services in respect of the Fund. The Trustee is responsible for the contents of the PDS, which includes this AIG, the Fees Guide and the Buy-Sell Spread Guide. Each third party has provided its consent to be named but has not made any statement in the PDS. No consents have been withdrawn at the time of preparation of the to relevant law, the Trustee reserves the right to refuse any application, transaction or instruction, and will generally do so where the Trustee deems such application, transaction or instruction not to be in the interest of all members of the THIS AIGThis AIG is issued by onepath Custodians and consists of two parts: The Incorporated Material which contains more information and/or specific terms and conditions referred to in the PDS dated 1 July 2020 for ANZ SMART CHOICE SUPER and PENSION .

5 This information forms part of the PDS; and The Referenced Material which contains additional information about ANZ SMART CHOICE SUPER and PENSION . This information does not form part of the can access a copy of the PDS, Fees Guide, Buy-Sell Spread Guide, this AIG and any other matter in writing that is applied, adopted or incorporated by the PDS by visiting > Downloads important documents. Alternatively, you can request a copy of this information free of charge by contacting Customer Services on 13 12 information provided in this AIG is general information only and does not take into account your personal objectives, financial situation or needs. You should consider the appropriateness of the information having regard to your objectives, financial situation and needs before acting on this information.

6 You should obtain financial advice tailored to your personal DETAILS IN THIS ANZ SMART CHOICE SUPER AND PENSION ADDITIONAL INFORMATION GUIDE (AIG)Name of legal entityRegistered numbersAbbreviated terms used throughout this AIGR etirement Portfolio ServiceABN 61 808 189 263 RSE R1000986 Fund, Superannuation EntityOnePath Custodians Pty LimitedABN 12 008 508 496 AFSL 238346 RSE L0000673 onepath Custodians, OPC, Trustee, us, we, our, OnePathOnePath Life LimitedABN 33 009 657 176 AFSL 238341 onepath Life, the InsurerAustralia and New Zealand Banking Group LimitedABN 11 005 357 522 AFSL 234527 ANZO asis Asset Management LimitedABN 68 090 906 371 Oasis Asset Management, AdministratorUnique Superannuation Identifier (USI): ANZ SMART CHOICE SUPER MMF2076 AUUnique Superannuation Identifier (USI): ANZ SMART CHOICE PENSION MMF2077 AUYou should also obtain a copy of the PDS relating to ANZ SMART CHOICE SUPER and PENSION and consider it before making any decision to acquire the may be made to the PDS and this AIG from time to time.

7 Where the changes are not materially adverse, you will be able to find details of the changes at > Downloads important documents or you can obtain a copy free of charge by contacting Customer Internet Banking and the ANZ App are services provided by ANZ, not by onepath you apply for an account in ANZ SMART CHOICE SUPER and PENSION , we collect your personal information (including health and other sensitive information) in order to process your application and, if you are approved, to manage and administer your product. To read more about how we collect, use and disclose your personal information, refer to the Privacy statement on page How SUPER works 5 Contributing to SUPER 5 Withdrawals from SUPER 5 Who can make contributions into your SUPER account?

8 5 What type of contributions can be made into your SUPER account? 6 How can you contribute extra to SUPER ? 6 Adding to your spouse s SUPER 7Do limits apply to how much you can contribute to your SUPER ? 8 Find and consolidate your SUPER 9 CHOICE of SUPER 10 Accessing your SUPER 10 How does ANZ SMART CHOICE PENSION work? 11 What PENSION payment can you receive each year? 11 Nominating a beneficiary 122. Risks of SUPER 14 What risks should I be aware of? 14 The risk level of different investments 14 Risks associated with particular investment strategies 143. How we invest your money 16 Lifestage investments 16 Active asset allocation 16 Choose Your Own investment mix 17 Environmental, social and ethical considerations 17 Investment Option Profiles 18 Lifestage investment option profiles 19 Choose Your Own investment option profiles 224.

9 How SUPER is taxed 28 Tax on contributions 28 Can you claim a tax deduction for contributions? 28 Contributions caps 28 Tax on investment earnings 28 Tax on withdrawals 28 What tax applies when you withdraw your SUPER ? 285. Electronic rollover request conditions 306. Insurance in your SUPER 31 Definitions 31 Insurance Cover through ANZ SMART CHOICE SUPER 31 Cover through ANZ SMART CHOICE PENSION 31 What are the different types of cover? 31 How do these types of cover work? 31 Intention of providing total and permanent disability cover 31 Intention of providing income protection cover 31 How do i apply for, change or cancel my insurance cover? 32 Lifestage cover 32 Choose Your Own Cover 36 Benefits 44 Payment of Benefits 44 Other Insurance Information (Lifestage and Choose Your Own cover) 49 When cover ceases 49 Cover ceases after inactivity 50 Multiple accounts 50 Tax implications 50 Making a claim 50 Duty of Disclosure 50 Where can I get more information about insurance?

10 51 Insurance fees 51 Definitions of terms used in this section of the AIG 52 REFERENCED MATERIAL 58 Accessing up-to-date information 58 Online access to your account 58 Other Information 58 Member communications 58 Superannuation and family law 60 Inactive low-balance accounts 60 Lost members 60 Unclaimed money 61 Bankruptcy 61 Proceeds of crime 61 Privacy statement 61 Anti-Money Laundering and Counter-Terrorism Legislation 62 Centrelink/Department of Veterans Affairs entitlements 62451. HOW SUPER WORKSS uper is a tax-effective investment that allows you to save for retirement over the long term. CONTRIBUTING TO SUPERD epending on your situation and employment arrangement, there are different ways to contribute to your , employers must make contributions into your SUPER account, known as compulsory SUPER or SUPER Guarantee (SG).