HESTA Product Disclosure Statement

1 September 2012

Product ratings are provided by SuperRatings and Rainmaker Information, and are only one factor to be considered when making a decision. See superratings.com.au and selectingsuper.com.au for more information.

Contents
1. 2. 3. 4. 5. 6. About HESTA How super works Benets of investing with HESTA Risks of super How we invest your money Fees and costs 2 3 4 5 6 8 (centre spread) 10 11 15 15

How to join HESTA 7. 8. 9. How super is taxed Insurance in your super How to open an account

This Product Disclosure Statement (PDS) is a summary of signicant information and contains a number of references to important information (each of which forms part of this PDS). You should consider that information before making a decision about HESTA. The information provided in the PDS is general information only and does not take account of your personal nancial situation or needs. You should obtain nancial advice tailored to your personal circumstances. This PDS is for people joining HESTA through their employer. If you are self-employed, or choosing to join as an individual, contact us for a copy of the HESTA Personal Super PDS. This document does not relate to the HESTA Income Stream. Refer to the HESTA Income Stream PDS for information about that product.

10. Other information

About HESTA

More people in health and community services choose HESTA than any other fund. HESTA is the leading industry super fund for your sector with more than 750,000 members, 100,000 employers and $20 billion in assets. Health Employees Superannuation Trust Australia (HESTA) is run by people like you. Founded in 1987, our board of 14 Directors is made up of equal numbers appointed by your industry employer and employee organisations. The Trustee is H.E.S.T. Australia Ltd. We value your work in supporting Australians when they need it most, and were proud to play a key role in helping you create the future you want. We offer outstanding member benets and, unlike many retail funds, we dont pay commissions to nancial advisers. So we can offer you real value for your super dollar. Committed to working closely with your industry, we proudly support key health and community services programs, events and awards. Find out more at hesta.com.au
Contact us Phone 1800 813 327 Email hesta@hesta.com.au 2 Mail PO Box 600, Carlton South VIC 3053 Web hesta.com.au

How super works

Super is a means of saving for your retirement. To encourage you to save for your retirement, the Federal Government provides a range of incentives for savings in super. This means super is taxed differently to other investments and there can be signicant tax advantages with using super to save for your retirement (see page 10 for more about how super is taxed). The contributions available to a member include: employer contributions before-tax contributions (salary sacrice) after-tax contributions government co-contributions. Generally, its compulsory for employers to make contributions to the super of their employees. Most employees have the right to choose which super fund the employer should pay those compulsory contributions into, unless there is an industrial obligation to pay to a particular fund. If your employer is paying your contributions into a different fund and you want to choose HESTA, use the Choice of super fund request form found in the centre of this PDS. There are some limitations on contributions to super, such as caps on the amount you can contribute and limits on the age at which you can continue to make contributions. See How Super Works at hesta.com.au/pds for details about contributions. Investment of the money in your super account is based on the investment strategy of your choice, or the default option if you have not chosen (see pages 6-7). Withdrawal of money from super is generally used for retirement and may be taken either as a lump sum or as an income stream. You can only withdraw your super in limited circumstances before reaching your preservation age.

Your date of birth

Before 1 July 1960 1 July 1960 - 30 June 1961 1 July 1961 - 30 June 1962 1 July 1962 - 30 June 1963 1 July 1963 - 30 June 1964 After 30 June 1964

Preservation age
55 56 57 58 59 60

You should read the important information about how super works before making a decision. Go to hesta.com.au/pds and read How Super Works. The material relating to how super works may change between the time when you read this Statement and when you acquire the product. 3

Benets of investing with HESTA

HESTA has more than 750,000 members, 100,000 employers and $20 billion in assets and is the leading industry super fund for health and community services. HESTAs size means we can keep our fees low and provide education and advice to members about their super at no extra cost. Find out more at hesta.com.au With ofces in each Australian state and territory, HESTA is a truly national fund. Our team of Client Relationship Managers, Member Education Managers and Superannuation Advisers support HESTA members and participating employers throughout Australia. Find out more at hesta.com.au/aboutus HESTAs default investment option, Core Pool, offers a diversied portfolio with a balanced-growth approach. Since we started Core Pool in 1987, it has delivered well above its CPI + 4% p.a. target (7.2%) achieving 8.4% p.a. over the long term to 30 June 2012*. See page 6 or read Investment Choices at hesta.com.au/pds for more information. Members can access low-cost insurance to protect their income and their families. Find out more by reading Insurance Options at hesta.com.au/pds

You can easily update and check your HESTA super account online or register to receive your future statements online at hesta.com.au/mol

Members can access valuable extra services including commission-free nancial planning services, and low-cost banking products. Visit hesta.com.au/extras for more details.

To recognise and promote the importance of people working in health and community services, we work with key organisations to present awards to Australias top nurses, early childhood educators and people working in aged care, the community sector and primary health care. Go to hestaawards.com.au for more information. *Past performance is not a reliable indicator of future performance.

Risks of super

Super allows you to save for your retirement in a low-cost, tax-effective way. However its important to note that the amount of your super benet at retirement may not meet your expectations due to the impact of risk factors.

Investment risk
All investments carry risk. Different investment options may carry different levels of risk, depending on the assets that make up the option. Investments with the highest targeted long-term returns may also carry the highest level of short-term risk. It is important to understand: the value of investments will vary the level of returns will vary and future returns may differ from past returns returns are not guaranteed and you may lose some of your money.

Other risks
Superannuation is savings for your retirement. You should also be aware of the risk that: superannuation and tax laws may change in the future the amount of your super benet at retirement may not be enough to provide adequately for your retirement.

Risk and you

How these risks may affect you will vary depending on a range of factors including: your age your investment timeframe where other parts of your wealth are invested your risk tolerance.

You should read the important information about risks of super before making a decision. Go to hesta.com.au/pds and read Risks of Super. The material relating to risks of super may change between the time when you read this Statement and when you acquire the product. 5

How we invest your money

This section provides a summary of how we invest your money.*

Investment choices
HESTA gives you some control over your investments. You can choose one or more of the following types of investment strategies, including combining Ready-Made Investment Pools with Your Choice Asset Classes.

Type
Default

Description
If you dont make a choice, all your super is invested in the default option. Your super will stay in the default option unless you decide to change. Choose from four different Ready-Made Investment Pools. The Pools are invested in a carefully selected mix of asset classes, each with a different performance goal and risk prole. Design your own asset mix by choosing how much you want invested in one or more of seven Your Choice Asset Classes.

Investment choices
Core Pool

Ready-Made

Conservative Pool Core Pool Shares Plus Eco Pool Cash Global Bonds Property Infrastructure International Shares Australian Shares Private Equity

Your Choice

Consider the likely investment return, risk and your investment timeframe when choosing which option(s) to invest in. Investment switching Make your initial choice at section 7 of the New HESTA member application form. You can switch investment options monthly, online or by completing the Investment choice application form in our Investment Choices guide. There is no fee to switch investment options. We strongly recommend you seek nancial advice before changing your investment choice. Changes we make to investment options Investment options may change at any time in accordance with the HESTA investment strategy. Ethical investing Environmental, social and ethical factors are considered when selecting, retaining, or realising Australian shares, international shares and property in the Eco Pool option. Investment managers are expected to consider these criteria for all investment choices.
*You should read the important information that includes more detail about how we invest your money before making a decision. Go to hesta.com.au/pds and read Investment Choices. The material relating to more detail about how we invest your money may change between the time when you read this Statement and when you acquire the product. 6

Default option: Core Pool

Core Pool is designed to provide a diversied portfolio across a range of assets with a balanced-growth approach (reecting the long-term nature of super). Below is the asset allocation for Core Pool. For details of all investment options, read Investment Choices at hesta.com.au/pds Investment details for Core Pool*
Description This option uses the strategy of investing in a diversied but balanced mix of assets to target a consistent return. Allocation Cash Global credit Direct property Infrastructure Australian shares International shares Opportunistic growth Private equity Other assets Objective per annum Minimum suggested timeframe Probable number of negative annual returns over any 20-year period Typical investor type 3% 15% 10% 13% 30% 21% 3% 4% 1% CPI + 4% 5 years 3 Assertive Range 0-30% 4-25% 3-20% 4-25% 20-35% 11-26% 0-6% 0-8% 0-10%

Mix of assets

You should read the important information that includes details of all investment options before making a decision. Go to hesta.com.au/pds and read Investment Choices. The material relating to the detail of all investment options may change between the time when you read this Statement and when you acquire the product. 7

Fees and costs

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 fund balance, rather than 1%, could reduce your nal return by up to 20% over a 30-year period (for example, reducing 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 may be able to negotiate to pay lower contribution fees and management costs where applicable. Ask the fund or your nancial adviser.

To nd out more
If you would like to nd out more, or see the impact of fees based on your own circumstances, the Australian Securities and Investments Commission (ASIC) website moneysmart.gov.au has a superannuation calculator to help you check different fee options.

Fee table The information in the fee table can be used to compare costs between different superannuation products.

Type of fee or cost

Establishment fee Contribution fee Withdrawal fee Termination fee Management costs Administration fee Other management costs* ^Estimate for 2011/2012

Amount
$0 $0 $0 $0 $1.25 per week deducted from your account. 0.81%^ p.a. (i.e. $8.10 per $1,000) deducted from investment returns.

Fees when your money moves in or out of the fund

Go to hesta.com.au/pds and read Fees and Costs for information on all other fees and costs.

*These costs include investment management cost, investment outperformance cost, member protection cost and operating cost for Core Pool. You should read the important information about other management costs for all investment options before making a decision. Go to hesta.com.au/pds and read Fees and Costs. The material relating to other management costs for all investment options may change between the time when you read this Statement and when you acquire the product. 8

Example of annual fees and costs for a balanced investment option This table gives an example of how the fees and costs in Core Pool, the balanced investment option can affect your superannuation investment over a one year period. You should use this table to compare HESTA super with other superannuation products.

Example
Core Pool (default option) Contribution fees $0 0.81%^ + $65 ($1.25 per week) Balance of $50,000 with total contributions of $5,000 during the year For every $5,000 you put in, you will be charged $0.

PLUS management costs

And, for every $50,000 you have in the Fund you are charged $405 each year, plus $65 ($1.25 per week) in administration fees regardless of your balance.

If you put in $5,000 during a year and your balance was $50,000, then for that year you will be charged: EQUALS cost of fund $470 What it costs you will depend on the investment option you choose and the fees you negotiate with your fund or nancial adviser*.

*Please note: fees and costs are set at the lowest level consistent with effective management of the Fund and are not negotiable. ^Estimate for 2011/2012

Use the Superannuation calculator on the ASIC MoneySmart website to show the effect of fees and costs on your account balance. Go to moneysmart.gov.au Changes to fees and costs We reserve the right to change fees and costs at any time without members consent. We will notify you 30 days in advance of any changes to administration fees. The member benet protection cost and investment costs will vary from year to year and are estimates only based on past performance.
By agreement, a fee may be paid from your account to an Industry Fund Financial Planner. They will disclose the amount of the fee in the Statement of Advice provided to you. *You should read the important information that includes more detailed information about fees and costs before making a decision. Go to hesta.com.au/pds and read Fees and Costs. The material relating to more detailed information about fees and costs may change between the time when you read this Statement and when you acquire the product. 9

How super is taxed

Contributions into your super that are made before tax is taken out of your pay (such as employer contributions and salary sacrice) are taxed at 15%. The tax is deducted from your account. If your total income is more than $300,000, an additional 15% tax may apply. Contributions into your super that are made from your after-tax savings are not taxed. People earning less than 10% of their total income from working as an employee may be able to claim a tax deduction on personal contributions, provided they have lodged an approved form with us by the date they lodge their tax return, the end of the nancial year after the contribution was made, or when they withdraw their super from HESTA (whichever date is earlier). These contributions will be taxed at 15%.

Generally there are three times when your super may be subject to tax:
1

2 3

Investment earnings are generally taxed at 15%. The tax is deducted from investment earnings before interest rates are declared. Withdrawals from your account may be taxed if you are less than 60 years old. Tax will be withheld at the time of payment. Generally, no tax will apply to withdrawals once you turn 60. There is a cap on the amount of contributions that can be made to your account at these tax rates. There will be tax consequences if you exceed the contribution caps. See How Super is Taxed at hesta.com.au/pds for details. You should provide your TFN when you join HESTA. If you dont provide your TFN, you may pay extra tax on your contributions and you may not be able to make some types of contributions. Not providing your TFN will also make it more difcult to trace different super accounts in your name, and you may miss out on some of your super benets when you retire.

Tax is applied to contributions and investment earnings after insurance premiums and administration fees are deducted. The benet of this tax deduction is passed back to members as a lower insurance cost and administration fee (see page 13). The net cost examples provided on pages 1112 are based on the full deduction of insurance premiums and are an example only. Actual outcomes may differ depending on HESTAs eligibility for tax deductions. Rounding has been applied to these gures.

You should read the important information about how super is taxed before making a decision. Go to hesta.com.au/pds and read How Super is Taxed. The material relating to how super is taxed may change between the time when you read this Statement and when you acquire the product. 10

Insurance in your super

This section provides a summary of insurance available through your super.* HESTA gives you access to three different types of insurance cover. Each type of cover is provided in units, with each unit providing an amount of cover for a xed weekly cost deducted from your HESTA super account. You can apply for extra units of cover up to the maximum shown, however all cover is subject to the approval of the insurer.

Type of cover
Death (including terminal illness)

Description
A lump-sum payment upon your death or terminal illness.

Weekly net cost per unit^

$0.72

Cover per unit

$85,000 until age 39, reducing to $0 at age 75 $85,000 until age 39, reducing to $0 at age 70

Maximum cover
$5 million $3 million for terminal illness No more than Death Cover, capped at $3 million $25,000 per month capped at 85% of your pre-disability income

Total and A lump-sum payment if Permanent you are unable to work Disablement due to injury or illness. (TPD) Income Protection (IP) A regular income payment (indexed) if you are unable to work in your own occupation due to injury or illness.

$0.88

From $0.21 (see page 13)

$425 per month

See page 10 for details on how net costs are calculated.

How much of each type of cover you have will depend on whether you have default, basic, additional or customised cover (see pages 12-13).

Death and lump-sum TPD Cover

Age Up to 39 40 50 60 Cover per unit $85,000 $84,000 $38,400 $17,100

This table shows the amount of Death and lump-sum TPD Cover at various ages. See the full table in Insurance Options at hesta.com.au/pds

*You should read the important information that includes more detailed information about insurance through your super before making a decision. Go to hesta.com.au/pds and read Insurance Options. The material relating to more detailed information about insurance through your super may change between the time when you read this Statement and when you acquire the product. 11

Basic and additional cover options when you join

Basic Cover Option 1 default Option 1 (default) This is the insurance cover most members will automatically 2 units Death receive when they join. If youre happy with this level of Death 0 units TPD and Income Protection (IP) Cover, without lump-sum Total and 2 units IP Permanent Disablement (TPD), you dont have to do anything. If you dont want this cover, you can opt out in the application form. If you dont opt out, you can cancel or reduce the cover at any time by notifying us in writing. IP Cover for this option is cover and benets available to age 67 with a 90-day waiting period. Total net cost per week is $3.45^. The cost of default cover will be deducted from your account unless you opt out or cancel the cover. At the time you join, you can choose to receive one of the following cover options instead of the default option: Basic Cover Option 2 This option includes Death Cover combined with lump-sum TPD Cover instead of IP Cover. The total net cost per week is $3.20^. Basic Cover Option 3 This option includes all three types of insurance cover Death, lump-sum TPD and IP. The IP Cover for this option is cover to age 67 and a maximum benet period of two years with a 90-day waiting period. The total net cost per week is $3.80^. Basic Cover Option 4 Similiar to Option 3, this option also includes all three types of cover. However the IP Cover for this option is cover and benets to age 67 with a 90-day waiting period. The total net cost per week is $5.21^. Additional cover The New HESTA member application form lets you quickly apply for up to three times the Basic Cover options when joining, by completing a short personal health statement (at 6B). You may also request changes later, but would then need to provide more comprehensive health evidence.
^

Option 2
Death TPD IP 2 units 2 units 0 units

Option 3
Death TPD IP 2 units 2 units 2 units

Option 4
Death TPD IP 2 units 2 units 2 units

Additional cover
Death TPD IP Up to 6 units Up to 6 units Up to 6 units

See page 10 for details on how net costs are calculated.

12

Customised cover options for existing members

Customised cover You can apply for cover through the Insurance Options guide. Customised cover allows you to increase your cover after you join HESTA.

Customised cover
Death TPD IP Up to the maximum cover listed on page 11.

You can apply for any mix of Death Cover, lump-sum TPD Cover and IP Cover up to the limits shown on page 11 (see Eligibility for cover on page 14). You may also choose to x the amount of your Death and lump-sum TPD Cover. Fixed Death Cover allows you to maintain the same amount of cover until age 74, xed TPD Cover maintains your cover amount until age 60. For IP Cover, you can change the benet period, cover period and waiting period. For full details on xed cover read Insurance Options at hesta.com.au/pds Income Protection (IP) Cover costs The cost of IP Cover per unit will depend on the length of: cover period how long you may be covered for benet period the maximum time you may be paid benets for waiting period how long you must wait before payment.

Waiting period
Cover period and benet period to age 67 Cover period to age 67, benet period 2 years Cover period and benet period to age 60 Cover period to age 60, benet period 2 years 30 day 60 day 90 day 30 day 60 day 90 day 30 day 60 day 90 day 30 day 60 day 90 day

Weekly net cost per unit^

$2.23 $1.32 $1.01 $0.74 $0.41 $0.30 $1.62 $0.96 $0.72 $0.68 $0.38 $0.21

^See page 10 for details on how net costs are calculated.

Other information in Insurance Options

We pass tax savings back to members, reducing the cost of cover. If youre employed by a participating HESTA employer, your cover may be free while you take up to 12 months parental leave. If you already have death, lump-sum TPD or IP cover through another super fund or insurance company, you can apply to replace it with cover through HESTA. Dont cancel it until your cover through HESTA is approved by HESTAs insurer.
13

Eligibility for cover

You will not be eligible for cover if you: are over the age at which you can no longer be insured. For IP Cover this is age 67, for Death Cover its 75, for lump sum TPD its 70, or for IP and lump-sum TPD Cover, you have previously received a lump-sum disablement benet (or equivalent) through HESTA. Default (Basic Cover Option 1) New members who are eligible for cover receive default cover automatically upon joining HESTA. You may not receive cover automatically if, on the day you rst join HESTA, you: were not working in your usual occupation at your usual time fraction, or have previously declined or discontinued insurance cover with HESTA. Your default cover may be limited to cover for injuries or illnesses that occur after commencement of cover if on the day you join HESTA: you were not working in your usual occupation at your usual time fraction, or the day you joined HESTA is six months after the later of: starting employment with a participating HESTA employer, or your employer becoming a participating HESTA employer. Basic Cover Options 2, 3 and 4 Eligibility for these Basic Cover options is the same as for the default option. Additional cover Eligibility for additional cover is the same as for the default option. However, you must also be able to satisfactorily complete the short personal health statement in the New HESTA member application form. Customised cover You may apply for customised cover by completing a full personal health statement on the Insurance cover application form in the Insurance Options guide or apply online. Any application for customised cover is subject to acceptance by HESTAs insurer.

Exclusions
You will not be covered for illnesses and injuries as a result of certain events. The information about eligibility and exclusions may affect your entitlement to insurance cover, you should read it before deciding if the insurance cover is appropriate for you. Insurance cover is subject to payment of premiums.
You should read the important information about eligibility and exclusions before making a decision. Go to hesta.com.au/pds and read Insurance Options. The material relating to eligibility and exclusions may change between the time when you read this Statement and when you acquire the product. 14

9
1

How to open an account

Your employer may have already opened an account for you by making contributions. These contributions will be invested in our default investment option (Core Pool) and you may have automatically received default insurance cover. You can make changes to these options via Member Online. Register at hesta.com.au/mol or free call 1800 813 327. This PDS contains information about your options, and you should read it carefully before making any choices.

There are two ways to open a HESTA account:

You can also complete the New HESTA member application form in this PDS to open an account. You can choose your investment options and the cover you want. You should read this PDS carefully before making any choices.

If you are already a HESTA member, you dont need to re-apply. Just give your HESTA member number to your new employer using the Choice of super fund request form in the centre of this guide. If at any time after opening your HESTA account you are not satised, you may make a complaint by contacting us through the contact details on page 2*.
*You should read the important information about how to make a complaint before making a decision. Go to hesta.com.au/pds and read How to Make a Complaint. The material relating to how to make a complaint may change between the time when you read this Statement and when you acquire the product.

10

Other information

See the Other information fact sheet at hesta.com.au/factsheets for details about: when we may need to transfer your super to the Australian Tax Ofce (ATO) when we may transfer your benet to an Eligible Rollover Fund when we may be required to release your benet to a bankruptcy trustee under the bankruptcy law when we may be required to split your benet with your spouse under family law what we will do when returning contributions we cannot accept what happens if we change our rules what will happen if you have multiple accounts.
Issued by H.E.S.T. Australia Ltd (us, we, our) ABN 66 006 818 695 AFSL No. 235249 Trustee of Health Employees Superannuation Trust Australia (HESTA) ABN 64 971 749 321. Information in this PDS is current at the date of preparation (27/7/2012) and may change from time to time. Changes that are materially adverse are included in the PDS. Changes that are not materially adverse are available free of charge at hesta.com.au or by calling 1800 813 327. 15

How to join HESTA

New HESTA member application Rollover your super form Choice of super fund request form

New HESTA member application

Not joining HESTA through an employer? Consider HESTA Personal Super; visit hesta.com.au/pds Are you already a HESTA member? YES NO Dont complete this form: instead, advise your employer of your HESTA member number (free call 1800 813 327 if you need your member number) by using the Choice of super fund request form in the HESTA PDS. Complete this form and hand it to your employer to mail to HESTA, PO Box 600, Carlton South VIC 3053.

Please complete all parts of this form in capital letters, using a black pen. Check you have signed and dated the form.

1 New member details

Title: Ms X Mrs X Miss X Mr X Dr Given name/s: Family name: Date of birth: Other X

5 Nominating who your benet goes to

If you die before you retire, HESTAs Trustee will determine who gets your super benets, including proceeds from any insurance policy. The Trustee has the nal decision as to whom benets are paid but will consider the people nominated by you. See page 4 for details on who you may nominate as your dependant(s). Providing this information is optional but it helps us to make a decision in accordance with the Trust Deed. You can split your nomination between different people. If you would like your HESTA super benet divided between more than three people, please provide their details on another signed piece of paper. You can add, delete or change these details by contacting us in writing or using Member Online (register in Part 9, or hesta.com.au/mol or free call 1800 813 327). If I die while a member, I would like HESTAs Trustee to pay my super to these people: Given name/s: Family name: Relationship of this person to me (e.g. spouse, child): % of my super I would like HESTAs Trustee to consider paying this person: Given name/s: Family name:

D D M M Y Y Y Y
Postal address:
Street no. Street name

Suburb State/Territory Postcode

Telephone number (home): Mobile: Email:

2 Tax le number (TFN)

We are authorised by law to ask for your TFN. You do not have to provide it but if you dont, you may end up paying more tax than you need to. You must supply your TFN to enable your HESTA account to accept after-tax contributions. See Tax le numbers on page 4 of this form for details. My tax le number is:

3 Keeping you up to date

From time to time, we would like to tell you about products, services and opportunities available to you as a HESTA member. Do you consent to us sending you information for this purpose? (You may opt out of this service at any time.) Relationship of this person to me (e.g. spouse, child): % of my super I would like HESTAs Trustee to consider paying this person: Given name/s: Family name: Relationship of this person to me (e.g. spouse, child): % of my super I would like HESTAs Trustee to consider paying this person: Total (must add up to 100%)

X Yes X No
Do you consent to us using email to send you this information?

X Yes X No 4 Employer details

The name of my current employer is: My employers HESTA employer number is
(if not known, please ask your employer to ll this in): Employer number must be provided

% %

I start/started work with my current employer on:

D D M M Y Y Y Y
My work phone number is:
947 09/12

Contact us

Free call 1800 813 327

hesta.com.au
Page 1 of 4

Issued by H.E.S.T. Australia Ltd ABN 66 006 818 695 AFSL No. 235249 Trustee of Health Employees Superannuation Trust Australia (HESTA) ABN 64 971 749 321 SPIN HST0100AU.

Please answer all questions on the previous page rst.

6 Insurance
Important: Before you begin completing this section, read Your duty of disclosure on page 4 and the declaration in Part 10. By signing this form, you will be authorising any medical practitioner you have ever consulted or whom you may consult in the future to provide your medical details to HESTAs Trustee, HESTAs insurer or to a court or legal tribunal. New HESTA members automatically receive (subject to the policy conditions) default Income Protection and Death Cover (Option 1 below). See Insurance in your super on pages 11-14 of the HESTA PDS for details of conditions, costs and benets. If you want to change your default cover, you have a choice of other packages (Options 2, 3 and 4 below). Eligible members who do not choose another option will receive Option 1. All members must answer the following question: Have you ever received a lump-sum disablement insurance payment through HESTA?

PART B: Short Personal Health Statement Complete this section only if: you are joining HESTA more than six months after starting with your current employer, or if you want additional units of cover. YES, I declare that I: a) am actively working as at the cover application date and am able to perform all my usual duties on a permanent full-time basis b) am not currently receiving any form of medical treatment c) have not taken more than seven consecutive days off work over the past 12 months due to illness or injury (other than colds or u) d) have never suffered from: a cancer/tumour of any type, chest pain, high blood pressure, heart/vascular complaint, back or joint disorder, paralysis, stroke, mental/nervous disorder, including stress, anxiety or depression e) am not suffering from Acquired Immune Deciency Syndrome (AIDS) or infected with the HIV virus or carrying antibodies to the HIV virus. OR NO, I am unable to complete the above declaration, but I am still interested in increasing my basic cover. Please send me Insurance Options.

X Yes

X No

If you answer Yes to this question, your cover will be restricted to Death Cover only.

PART A: Your Basic Cover options (see page 12 of the PDS)

X Option 1 (the default): two units of Death Cover and

two units of Income Protection (IP) Cover with benets to age 67 with a 90-day waiting period.

OR Vary your insurance from Option 1 by choosing:

X Option 2: two units of Death Cover and two units of

You may reduce or cancel your insurance at any time by providing written and signed instructions to us. By cancelling your insurance, you will forfeit any future access to cover without the need for satisfactory medical evidence. If you subsequently wish to have cover through HESTA, you will need to complete a full personal health statement and may be declined cover or have cover issued on non-standard terms. You should consider obtaining nancial advice before cancelling your insurance.

Lump-Sum Total and Permanent Disablement (TPD) Cover. Lump-Sum TPD Cover, and two units of IP Cover with IP benets limited to two years. lump-sum TPD Cover, and two units of IP Cover with benets to age 67.

X Option 3: two units of Death Cover, and two units of

X Option 4: two units of Death Cover, and two units of

Additional units of cover If you are able to answer Yes to the short personal health statement in Part B at right, you are eligible (subject to the policy conditions) to increase your cover to up to six units.

If you wish to reduce or cancel insurance cover with HESTA, please notify us below. In doing so you acknowledge that you understand the consequences of changing your insurance and that you are aware you may be unable to obtain any cover in the future (for example, when your health deteriorates). Either, reduce your Basic Cover to:

X Increase my IP Cover to

(up to six) units of cover. I acknowledge that benets cannot exceed 85% of my per annum. salary, which is $ (up to six) units of cover.

IP Cover units: Death Cover units: Lump-sum TPD Cover units: OR Cancel all of your insurance cover through HESTA.

X Increase my Death Cover to

X Increase my lump-sum TPD Cover to

Other insurance changes

(up to six, but not exceeding Death Cover units) units of cover.

X Please send me Insurance Options to upgrade my cover.

947 09/12
Issued by H.E.S.T. Australia Ltd ABN 66 006 818 695 AFSL No. 235249 Trustee of Health Employees Superannuation Trust Australia (HESTA) ABN 64 971 749 321 SPIN HST0100AU.

Page 2 of 4

Please answer all questions on the previous page rst.

7 Investment choice
You can choose how you want your super invested. See How we invest your money on pages 6-7 of the HESTA PDS and consider seeking nancial advice before making a decision. You may select any combination of options. All your super will be invested in Core Pool if: you do not complete this section or your nominated percentages do not total 100%.

10 Declaration and applicants signature

Before you sign this application form, we are obliged to give you a Product Disclosure Statement (which is a summary of important information relating to HESTA). This material will help you to understand the product and decide if it is appropriate for your needs. Note: if you are under 18 years of age, a parent or guardian must also sign this form to conrm your HESTA account choices. I have read and understood the Product Disclosure Statement to which this application was attached. I acknowledge that unless otherwise indicated on this form, I am at work on the date of joining HESTA and I agree to accept HESTAs insurance cover as indicated in Part 6. I acknowledge that I have read and understood the privacy statement as outlined on page 4 and accept that the information requested on this form (unless otherwise stipulated) is required in order for HESTAs Trustee to accept my application for membership and for the ongoing administration of my membership by the fund administrator and other service providers. By providing my TFN I authorise and give express consent to the Trustee to use it for lawful superannuation purposes, including to facilitate the search for and consolidation of my superannuation accounts, by seeking information from the Australian Taxation Ofce (ATO) and/or a superannuation entity. In consideration of my admission to membership I agree to abide by and be bound by the provisions of the Trust Deed. I acknowledge that I have read the duty of disclosure on page 4 and understand my obligations under the Insurance Contracts Act 1984. I understand if I am an eligible person, default insurance cover will commence from the start date of the rst contribution received, or the date cash is rst received if the rst amount received is not an employer SG contribution; and that if I make an investment option selection, this will begin from the date money is received. Signature:

I want to invest my super in the following options: Conservative Pool Core Pool (default) Shares Plus Eco Pool Cash Global Bonds Property Infrastructure International Shares Australian Shares Private Equity Total (must add up to 100%): % % % % % % % % % % % %

8 After-tax contributions
There are very good reasons to make after-tax contributions to your super. Go to hesta.com.au/pds and see How Super Works for details, or use the HESTA super calculator to estimate how your after-tax contributions may affect your benet when you retire, at hesta.com.au/calculator Please provide your TFN in Part 2 of this form. Yes, I want to make after-tax contributions to my super. My preferred contribution method is:

Date:

X employer pay deduction (please ask your employer) X deposit book (please send me more information) X bank deduction authority (minimum $20 per month)
please send me more information

D D M M Y Y Y Y
Signature of parent or guardian (if under 18 years of age):

(free call 1800 813 327 to choose this option) When you have completed and signed this form, give it to your employer to post to:

9 Online access to your account

Member Online allows you to check your account balance, nd out what payments have been made, change your investment options or insurance and make extra contributions. Would you like to be issued with a password so you can access your account through Member Online?

HESTA PO Box 600 Carlton South VIC 3053

If you have any questions contact us:

X Yes

X No

Free call 1800 813 327 Email hesta@hesta.com.au hesta.com.au

947 09/12
Issued by H.E.S.T. Australia Ltd ABN 66 006 818 695 AFSL No. 235249 Trustee of Health Employees Superannuation Trust Australia (HESTA) ABN 64 971 749 321 SPIN HST0100AU.

Page 3 of 4

Privacy
We respect your privacy. We collect, store and disclose the information supplied by you for the purposes of administering your membership in accordance with the HESTA privacy policy. Your personal information will not be used for any other purpose without your consent, except where required by law. You may access this information. You can obtain the HESTA privacy policy from hesta.com.au/privacy or free call 1800 813 327.

Tax le numbers
Why we ask for your TFN
We are authorised to collect your tax le number (TFN) under the Superannuation Industry (Supervision) Act 1993 (SIS). Supplying your TFN is voluntary, and it is not an offence if you choose not to provide it. We are required by law to take the necessary steps to properly safeguard your TFN, and our intention is to use it only for lawful superannuation purposes, including to facilitate the search for and consolidation of superannuation accounts, by seeking information from the Australian Taxation Ofce (ATO) and/or a superannuation entity.* We may disclose your TFN to another superannuation provider if your benets are transferred, unless you instruct us in writing not to disclose it to any other fund.
*Please note: Future legislation may result in changes to these purposes.

Your duty of disclosure

Please read the following information before you complete the insurance section of the New HESTA member application form. Before you become insured under a contract of insurance, the Trustee has a duty of disclosure to the insurer under the Insurance Contracts Act 1984. In order for the Trustee to comply with its duty, you must disclose, in the New HESTA member application form, every matter that you know, or could reasonably be expected to know, is relevant to the insurers decision whether to accept the risk of the insurance and, if so, on what terms. The duty of disclosure also applies before cover is renewed, varied or reinstated. It does not, however, require disclosure of a matter: that diminishes the risk to be undertaken by the insurer that is of common knowledge that the insurer knows or, in the ordinary course of his/her business, ought to know as to which the duty of disclosure is waived by the insurer.

Why its important to provide your TFN to us

You will not have to pay the top marginal tax rate (plus the Medicare Levy) of 46.5% on contributions made to your super account/s. Your HESTA account will be able to accept after-tax contributions. If you are eligible, you may be entitled to a government co-contribution on any personal after-tax contributions you make. No additional tax will be deducted when you start withdrawing your super benets (other than the tax usually deducted from super). It will make tracing different super accounts in your name much easier, so you can combine all your super accounts into one (if you wish) and receive all super benets due to you when you retire.

Non-disclosure
If the duty of disclosure is not complied with and the insurer would not have provided the insurance cover on any terms if the failure had not occurred, the insurer may avoid the cover within three years of entering into it. If the non-disclosure is fraudulent, the insurer may avoid the cover at any time. If you apply to vary your cover, the insurers right to avoid the contract applies to both the new cover and any existing cover you have, even if you have previously complied with your duty of disclosure. An insurer who is entitled to avoid insurance cover may, within three years of entering into it, elect not to avoid it but to reduce the sum that you have been insured for in accordance with a formula that takes into account the premium that would have been payable if you had disclosed all relevant matters to the insurer. The duty of disclosure continues until the insurer accepts (or declines) your application and conrmation is issued in writing. Please ensure all applicable questions in the New HESTA member application form are answered fully.

Dependants
Your dependants include: your spouse (which includes another person, whether of the same sex or a different sex, with whom you are in a relationship that is registered under a law of a state or territory, or a person who, although not legally married to you, lives with you on a genuine domestic basis in a relationship as a couple) your child (which includes an adopted child, a step-child, an ex-nuptial child, a child of your spouse or someone who is your child within the meaning of the Family Law Act 1975) a person who is wholly or partially nancially dependent on you a person with whom you have an interdependency relationship.

For more information about dependants, see How Super Works at hesta.com.au/pds

947 09/12
Issued by H.E.S.T. Australia Ltd ABN 66 006 818 695 AFSL No. 235249 Trustee of Health Employees Superannuation Trust Australia (HESTA) ABN 64 971 749 321 SPIN HST0100AU.

Page 4 of 4

Why combine your super accounts?

If you have super with more than one fund, youre probably paying multiple sets of administration fees.

Can combining your super accounts really make a difference?

Every day you keep your old super accounts open can cost you money in fees. You also miss out on the chance to earn interest on that money. On top of that, you wont earn interest on that interest compound interest which is one of the main ways your super grows over time. By the time you stop working this could add up to thousands of lost dollars. Super is real money. It could make a big difference to the way youll live later in life.

Five great reasons to rollover your super accounts into HESTA

1 Its easy: once we receive your forms, well get the ball rolling, then let you know when the rollovers complete (your previous fund may contact you to authorise the transfer to HESTA). 2 No entry fees: HESTA wont charge you to roll in and that means more money for your future. 3 Low fees help your money work harder: our administration fee is a low $1.25 per week (plus other management costs depending on your investment choice). For up-to-date information on fees visit hesta.com.au/pds and read Fees and Costs. 4 HESTA has a history of strong long-term returns*: HESTAs investment options have performed well over the long-term. And you can choose to roll your other super into a specific option. For up-to-date information on HESTAs investment returns visit hesta.com.au/returns 5 Insurance: our low-cost, great value death and disability cover offers you and your family 24/7 protection, with premiums paid straight from your super account. Visit hesta.com.au/insurance for details.

Proving your identity

Its essential that you provide certied ID documents when you transfer your super. This is to protect your identity and super savings from fraud. Identity fraud is a growing risk and could damage your nances, credit rating and reputation. Dont let it happen to you! It will also save you time in the long run. Nearly fty percent of rollover forms have to be sent back to HESTA members because they havent included certied copies of their identication documents. Read page 3 for details of how to supply suitable documents that have been certied as true copies. Then attach the copies to your completed form Request to transfer whole balance of superannuation benets between funds. If youre rolling super over from more than one fund, youll need to attach copies of your ID documents to each rollover request you complete.

Lost track of your super?

Not sure if you have other super? You may have forgotten to roll your super accounts over when you changed jobs.

Track down your lost super at:

HESTA Supernder Web AUSfund Web unclaimedsuper.com.au (click on Search for lost super!) hesta.com.au/supernder

Certication of personal documents (see page 3 for details)

All copied pages of original proof of ID documents (including any linking documents) need to be certied as true copies by an authorised person.

Superseeker Web ato.gov.au/super (click on Lost and unclaimed super)

*Past performance is not a reliable indicator of future performance.

6188 07/12

Issued by H.E.S.T. Australia Ltd ABN 66 006 818 695 AFSL No. 235249, Trustee of Health Employees Superannuation Trust Australia (HESTA) ABN 64 971 749 321. This information is of a general nature. It does not take into account your objectives, nancial situation or specic needs. You should look at your own nancial position and requirements before making a decision. You may wish to consult an adviser when doing this. Consider a Product Disclosure Statement before making a decision about HESTA products free call 1800 813 327 or visit hesta.com.au for copies.

Page 1 of 4

Completing the request to transfer whole balance of superannuation benets between funds form
By completing this form, you will request the transfer of the whole balance of your super benefits between funds. This form can not be used to transfer part of the balance of your super benefits. This form will not change the fund to which your employer pays your contributions. The Standard choice form must be used by you to change funds.

BEFORE COMPLETING THIS FORM

Q Read

the important information below. Q Check that the fund you are transferring your benefits TO can accept this transfer.

THINGS YOU NEED TO CONSIDER WHEN TRANSFERRING YOUR SUPER

When you transfer your super, your entitlements under that fund may cease. You need to consider all relevant information before you make a decision to transfer your super. If you ask for information, your super provider must give it to you. Some of the points you may consider are: Q Fees your FROM fund must give you information about any exit or withdrawal fees. If you are not aware of the fees that may apply, you should contact your fund for further information before completing this form. The fees could include administration fees as well as exit or withdrawal fees. Your TO fund may also charge entry or deposit fees on transfer. Differences in fees funds charge can have a significant effect on what you will have to retire on. For example, a 1% increase in fees may significantly reduce your final benefit.
Q Death

WHEN COMPLETING THIS FORM

Q Refer

to these instructions where a question shows a message like this: Q Print clearly in BLOCK LETTERS.

AFTER COMPLETING THIS FORM

Q Sign

the authorisation. the appropriately certified proof of identity documents. Q Review the checklist below. Q Send the request form to your fund.
Q Attach

IMPORTANT INFORMATION
This transfer may close your account (you will need to check this with your FROM fund). This form can not be used to: part of the balance of your super benefits Q transfer benefits if you dont know where your super is Q transfer benefits from multiple funds on this one form a separate form must be completed for each fund you wish to transfer super from Q change the fund to which your employer pays contributions on your behalf Q open a super account Q transfer benefits under certain conditions or circumstances for example, if there is a super agreement under the Family Law Act 1975 in place.
Q transfer

and disability benefits your FROM fund may insure you against death, illness or an accident which leaves you unable to return to work. If you choose to leave your current fund, you may lose any insurance entitlements you have. Other funds may not offer insurance or may require you to pass a medical examination before they cover you. When considering a new fund, you may wish to check the costs and amount of any cover offered.

WHAT HAPPENS IF I DO NOT QUOTE MY TAX FILE NUMBER (TFN)?

You are not obligated to provide your TFN to your super fund. However, if you do not provide your TFN, your fund may be taxed at the highest marginal tax rate plus the Medicare levy on contributions made to your account in the year, compared to the concessional tax rate of 15%. Your fund may deduct this additional tax from your account. If your super fund does not have your TFN, you will not be able to make personal contributions to your super account. Choosing to quote your TFN will also make it easier to keep track of your super in the future. Under the Superannuation Industry (Supervision) Act 1993, your super fund is authorised to collect your TFN, which will only be used for lawful purposes. These purposes may change in the future as a result of legislative change. The TFN may be disclosed to another super provider when your benefits are being transferred, unless you request in writing that your TFN is not to be disclosed to any other trustee.

CHECKLIST
Have you read the important information? Have you considered where your future employer contributions will be paid? Have you checked your TO fund can accept the transfer? Have you completed all of the mandatory fields on the form? Have you signed and dated the form? Have you attached the certified documentation including any linking documents if applicable?

TRANSFERS TO SELF-MANAGED SUPER FUNDS

You may use this form to transfer your benefits to your own self-managed super fund (SMSF). You should be aware that SMSFs are subject to the same rules and restrictions as other funds regarding when benefits are to be paid out. In particular, super benefits in a SMSF are required to be preserved, meaning they are not generally able to be accessed until you are over age 55 and retired. The trustee of your FROM fund may be able to request further information from you about your status as a member, a trustee or a director of a corporate trustee of your SMSF if there are multiple transfer requests to your SMSF. Penalties may apply for providing false or misleading information.
Page 2 of1 4 Page

WHAT HAPPENS TO MY FUTURE EMPLOYER CONTRIBUTIONS?

Using this form to transfer your benefits will not change the fund to which your employer pays your contributions and may close the account you are transferring your benefits FROM. If you wish to change the fund into which your contributions are being paid, you will need to speak to your employer about choice. For the appropriate forms and information about whether you are eligible to choose the fund to which your employer contributions are made, visit www.superchoice.gov.au or call us on 13 10 20.
NAT 71223-07.2011 pre-print

IN-CONFIDENCE when completed

Completing proof of identity

You will need to provide documentation with this transfer request to prove you are the person to whom the super entitlements belong.

CERTIFICATION OF PERSONAL DOCUMENTS

All copied pages of original proof of identification documents (including any linking documents) need to be certified as true copies by any individual approved to do so (see below). The person who is authorised to certify documents must sight the original and the copy and make sure both documents are identical, then make sure all pages have been certified as true copies by writing or stamping certified true copy followed by their signature, printed name, qualification (eg Justice of the Peace, Australia Post employee etc) and date. The following can certify copies of the originals as true and correct copies: Q a permanent employee of Australia Post with five or more years of continuous service Q a finance company officer with five or more years of continuous service (with one or more finance companies) Q an officer with, or authorised representative of, a holder of an Australian Financial Services Licence (AFSL), having five or more years continuous service with one or more licensees Q a notary public officer Q a police officer Q a registrar or deputy registrar of a court Q a Justice of the Peace Q a person enrolled on the roll of a state or territory Supreme Court or the High Court of Australia as a legal practitioner Q an Australian consular officer or an Australian diplomatic officer Q a judge of a court Q a magistrate Q a Chief Executive Officer of a Commonwealth court.

ACCEPTABLE DOCUMENTS
The following documents may be used. EITHER One of the following documents only: Q drivers licence issued under state or territory law Q passport OR One of the following documents: Q birth certificate or birth extract Q citizenship certificate issued by the Commonwealth Q pension card AND issued by Centrelink that entitles the person to financial benefits One of the following documents: Q letter from Centrelink regarding a government assistance payment Q notice issued by federal, state or territory government or local council within the past twelve months that contains your name and residential address. For example: notice of an ATO assessment rates notice from a local council

HAVE YOU CHANGED YOUR NAME OR ARE YOU SIGNING ON BEHALF OF ANOTHER PERSON?
If you have changed your name or are signing on behalf of the applicant, you will need to provide a certified linking document. A linking document is a document that proves a relationship exists between two (or more) names. The following table contains information about suitable linking documents. Purpose Change of name Signed on behalf of the applicant Suitable linking documents Marriage certificate, deed poll or change of name certificate from the Births, Deaths and Marriages Registration Office Guardianship papers or Power of Attorney

WHERE DO I SEND THE FORM?

You can send your completed and signed form with your certified proof of identity documents to either fund.

MORE INFORMATION
For more information about super, visit the: Q Australian Securities and Investments Commission website at www.moneysmart.gov.au Q Australian Taxation Office website at www.ato.gov.au/super For more information about this form, phone us on 13 10 20.

IN-CONFIDENCE when completed

Page 3 of2 4 Page

Request to transfer whole balance of superannuation benets between funds

under the Superannuation Industry (Supervision) Act 1993
COMPLETING THIS FORM
Q Q Q

AFTER COMPLETING THIS FORM

Q Q

Read the important information pages Refer to instructions where indicated with a This form is only for whole (not part) balance transfers.

Sign the authorisation Send form and certied proof of identity documents to either your FROM or TO fund.

Personal details
Title:
Mr Mrs Miss Ms Other

Residential address
*Address

*Family name *Given names Other/previous names

Day Month Year

*Suburb *State/territory *Postcode

*Date of birth Tax le number

Under the Superannuation Industry (Supervision) Act 1993, you are not obliged to disclose your tax le number, but there may be tax consequences. See What happens if I do not quote my tax file number?

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

Address

Suburb *Gender Male Female State/territory Postcode *Contact phone number

Fund details
FROM
*Fund name

TO
*Fund name

HESTA Super Fund 1800 813 327 64 971 749 321 HST0100AU

Fund phone number Membership or account number Australian business number (ABN) Superannuation product identication number (SPIN)
If you have multiple account numbers with this fund, you must complete a separate form for each account you wish to transfer.

*Fund phone number *Membership or account number Australian business number (ABN) Superannuation product identication number (SPIN)

You must check with your TO fund to ensure they can accept this transfer.

*Proof of identity

See Completing proof of identity

I have attached a certied copy of my drivers licence or passport OR I have attached certied copies of both: Birth/Citizenship certicate or Centrelink pension card AND

Print form

Reset form

Centrelink payment letter or government or local council notice (<1 year old) with name and address

Authorisation
By signing this request form I am making the following statements: Q I declare I have fully read this form and the information completed is true and correct. Q I am aware I may ask my superannuation provider for information about any fees or charges that may apply, or any other information about the effect this transfer may have on my benefits, and do not require any further information. Q If the TO fund is a self managed superannuation fund (SMSF), I confirm that I am a member, trustee or director of a corporate trustee of the SMSF. Q I discharge the superannuation provider of my FROM fund of all further liability

*Name (Print in BLOCK LETTERS) *Signature

Day

Month

Year

in respect of the benefits paid and transferred to my TO fund.

I request and consent to the transfer of superannuation as described above and authorise the superannuation provider of each fund to give effect to this transfer.

*Date

* Denotes mandatory field. If you do not complete all of the mandatory fields, there may be a delay in processing your request.
NAT 71223-07.2011

IN-CONFIDENCE when completed

Page 4 of3 4 Page

Choice of super fund request

Use this form if your employer is paying your contributions into a different fund and you want to choose HESTA. Complete all parts of this form in capital letters using a black pen, and ensure you sign and date the form.

Employee to complete 1 Details of my chosen super fund

Address: I request that all future super contributions be paid to: Name:

HESTA
Member number (if applicable):

PO Box 600, Carlton South VIC 3053

Superannuation product identification

Fund Australian Business Number (ABN): number:

6 4 9 7 1 7 4 9 3 2 1
2 Appropriate documentation

H S T 0 1 0 0 A U

I have attached a letter from the Trustee: stating that it is a complying fund and that they will accept contributions from my employer, and details about how my employer can make contributions to this Fund (see Information for employers).

Your details

Name: Tax file number (TFN):

See Information for employees for more details.

Signature: Date:
Do not send this form to HESTA. Give this form to your employer.

For employer records

Date valid choice is accepted: Date you act on your employee's valid choice:
5038 09/12

Note to employers Do not send this form to HESTA. You must keep it for your own records for a period of five years. HESTA will become a chosen fund for the employee two months after the employee gives this notice to you, or earlier at your discretion.

Contact us

Free call 1800 813 327

hesta.com.au

Issued by H.E.S.T. Australia Ltd ABN 66 006 818 695 AFSL No. 235249 Trustee of Health Employees Superannuation Trust Australia (HESTA) ABN 64 971 749 321 SPIN HST0100AU.

Provide this letter and the information overleaf to your employer with your Choice of super fund request form
PO Box 600 Carlton South VIC 3053 hesta@hesta.com.au hesta.com.au

1 September 2012

To whom it may concern I conrm the following details on behalf of H.E.S.T. Australia Limited, the Trustee of HESTA: HESTA is a complying fund. HESTA is a resident regulated superannuation fund within the meaning of the Superannuation Industry (Supervision) Act 1993 (SIS Act) and is not subject to a direction under section 63 of the Act. HESTA also meets the death cover requirement for choice of fund. HESTA will accept contributions. HESTA is able to accept contributions from employers who complete our Employer details form (available from hesta.com. au), including contact details required for administering your account. HESTA will also accept employer contributions for members with a HESTA Personal Super account. Contribution payment method. HESTA provides a range of ecommerce options for direct transactions.

Australian Business Number (ABN): Superannuation Product Identication Number (SPIN): Phone: Website:

64 971 749 321 HST0100AU 1800 813 327 hesta.com.au

More details can be found at hesta.com.au or free call 1800 813 327.

Issued by H.E.S.T. Australia Ltd ABN 66 006 818 695 AFSL No. 235249, Trustee of Health Employees Superannuation Trust Australia (HESTA) ABN 64 971 749 321 SPIN HST0100AU. You should consider obtaining professional advice if you are unsure about your obligations under Choice of Fund. Consider a Product Disclosure Statement before making a decision about HESTA products for copies call 1800 813 327 or visit hesta.com.au/pds

Provide this information to your employer with your Choice of super fund request form

Information for employers

If your employee gives you a completed Choice of super fund request form, dont send it to us. You must keep a copy for your own records for a period of ve years. HESTA will become a chosen fund for the employee two months after the employee gives this notice to you, or earlier at your discretion. An eligible employee can choose a fund as often as they want, but you only have to accept one valid notice in a 12 month period. There are a number of ways that you can make contributions into HESTA as an employer.

Payment options
Pay super contributions through your bank, credit union or building society.

Electronic funds transfer (EFT) Direct debit

Automatically transfer funds to a dedicated HESTA bank account. We can automatically deduct the required amount from your bank, credit union or building society after we have received your completed contribution advice. The Australian Government through Medicare, offers a free superannuation clearing house service to small business with less than 20 employees.

Clearing house

Contact us on 1800 813 327 if you need help understanding your employer super obligations or making payments for your employees.

Information for employees

Providing your TFN
Its benecial to provide your tax le number (TFN) to your super fund. But supplying your TFN is voluntary, and its not an offence if you choose not to provide it. Here are some great reasons to provide your TFN:

you wont have to pay tax at the top marginal tax rate (plus the Medicare Levy) of 46.5%
on contributions made to your super account

after-tax contributions can be accepted into your account no additional tax will be deducted when you start withdrawing your super benets
(other than the tax usually deducted from super)

it will make tracing different super accounts in your name much easier.
5038 09/12

More people in health and community services choose HESTA than any other fund

Your super fund can make a lifetime of difference Run only to benet members No commissions Low fees
947 09/12

hesta.com.au