PRODUCT DISCLOSURE STATEMENTISSUED | 1 July 2020

Tasplan Super guide

Contact details

Head office Level 8, 188 Collins Street Hobart TAS 7000Postal address GPO Box 1547 Hobart TAS 7001Phone 1800 005 166Email info@tasplan.com.auWebsite tasplan.com.auIssuer Tasplan Pty Ltd AFSL 235391 ABN 13 009 563 062 (Trustee)Fund registration details ABN 14 602 032 302 (Tasplan Super) USI TPN0100AU MySuper Unique Identifier 14602032302734.

This product disclosure statement (also known as the ‘guide’) is for Tasplan Super (known as ‘Tasplan’, ‘fund’, ‘us’ or ‘we’). It’s a summary of significant information and contains a number of references to important information, which are marked with a , each of which forms part of this guide. The information is current at the issue date and may be subject to change between the time of reading and when you join. Updated information is available at tasplan.com.au/pds or by calling us on 1800 005 166.Information marked with a is important for you to note. You should consider all information before making a decision about Tasplan Super.The information provided in this guide, information guides and fact sheets is general information only and doesn’t take into account your personal financial situation or needs. You should obtain financial advice tailored to your personal circumstances before making a decision to invest with Tasplan.

Contents1. About Tasplan Super 22. How super works 23. Benefits of investing with Tasplan Super 24. Risks of super 25. How we invest your money 36. Fees and costs 47. How super is taxed 58. Insurance in your super 69. How to open an account 810. Forms 9

2 | GUIDE

3. Benefits of investing with Tasplan SuperTasplan can help you maximise your retirement savings.

Here are some of the benefits of choosing Tasplan:

• Profit-for-members – the fees we charge are only to cover the cost of administering the fund and managing your assets, not to provide a profit to shareholders. Our administration fees are also capped to keep your costs down (other fees apply).

• Online access – keep track of, and manage, your super at any time in Tasplan Online.

• Investment choice and expertise - 11 investment options you can mix and match to create an investment strategy that suits you, and a history of sound investment returns1.

• Quality advice - we can provide you with general advice on your Tasplan account. If you need

personal advice, you can meet with a Tasplan financial planner. See Fees and costs on page 4 for more information on advice fees.

• Competitive insurance to protect you and your family in the event of your death, total and permanent disablement, or temporary disablement.

• Flexible membership – you can stay with Tasplan when you change jobs.

• Retirement options – you can access a Transition Pension, a Managed Pension and/or a Control Pension to meet your income needs in retirement. See our Tasplan Pension guide at tasplan.com.au/pds for more information.

1. About Tasplan SuperTasplan Super is a multi-industry, profit-for-members super fund. We’re all about doing what’s best for you. We provide super, insurance and advice options when you need them, to help you achieve your best possible future.We offer a choice of 11 investment options, including a MySuper authorised option. Information on our investment options can be found in our product dashboards available at tasplan.com.au/super-investment-options. We provide competitive insurance to protect you and your family. Eligible members will automatically receive default cover. And, when you retire, the Tasplan Pension options can provide you with

regular income payments. For more information, see our Tasplan Pension guide at tasplan.com.au/pds.Trustee and executive remuneration and other important information is available at tasplan.com.au/about-us.

You should read the important information about the risks of super in our Investment guide before making a decision. Go to tasplan.com.au/pds. The material relating to the risks of super may change between the time you read this statement and the day you acquire the product.

4. Risks of superAll investments have some risk, including super. Investments may experience fluctuations and volatility. Returns will go up and down over time and the value of your super and investments will vary over time. All investments carry risk, though different strategies may carry different levels of risk, depending on the assets that make up the strategy. Tasplan invests in a range of assets, for example cash, fixed interest, property and shares. Our investment options each have a different mix of assets. Assets with the highest long-term returns may also carry the highest level of short-term risk. This means that the more you could earn from an investment over a longer period of time, the more likely that the investment value will rise and fall in value over shorter periods of time.When considering your super, it’s important to understand that:

• the value of your investments will vary

• the level of returns will vary, and future returns may differ from past returns

• returns aren’t guaranteed, and you may lose some of your money

• super laws may change in the future

• the amount of your future super savings, including contributions and returns, may not be enough to provide adequately for your retirement

• the level of risk you’re prepared to take will vary depending on a range of factors, including:

- your age

- your investment time frames

- where other parts of your wealth are invested

- your risk tolerance.We can help you understand investment risk and help you design an investment strategy that’s right for you (a fee may apply).

1Past performance isn’t a guarantee of future performance.

We're planning to merge with MTAA Super. Find out more at tasplan.com.au/merger-info.

2. How super worksSuper is a means of saving for your retirement which is, in part, compulsory.When you’re working, your employer usually pays compulsory contributions into your super account. These are called super guarantee (SG) contributions. You can also contribute extra money yourself to help grow your super savings. Super is a long-term investment. It grows over time due to regular contributions and investment returns compounding over many years. The government also provides tax savings and other contribution incentives. There are limitations on contributions to, and withdrawals from, your super.

ContributionsThere are different types of contributions available to you. You may wish to speak with us to work out what’s best for you, depending on your income and personal circumstances.

Before-tax contributions (concessional)These contributions include employer SG, salary sacrifice, additional employer and personal contributions that you’ve successfully claimed a tax deduction for.

After-tax contributions (non-concessional)These are voluntary contributions you make from your after-tax income or savings, and spouse contributions. Depending on your income, you may qualify for a government co-contribution if you make after-tax contributions to super.

OtherIf you’re eligible, you may also make special types of contributions such as downsizer, personal injury and capital gains tax elections.

WithdrawalsGenerally, you can’t access your super until you reach your preservation age and are permanently retired, eligible for a transition to retirement pension, or you reach age 65. Your preservation age varies between 55 and 60 depending on when you were born. You may be able to access your super early, subject to meeting very specific requirements.

Choice of fundMost people have the right to choose which super fund their employer should pay their SG contributions to.

There are caps on how much you can contribute to super. If you exceed these caps, you may pay extra tax.

You should read the important information about how super works before making a decision. Go to tasplan.com.au/pds. The material relating to how super works may change between the time when you read this statement and the day when you acquire the product.

You should read the important information about how we invest your money in our Investment guide before making a decision. Go to tasplan.com.au/pds. The  material relating to how we invest your money may change between the time you read this statement and the day when you acquire the product.

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You can choose one investment option or a combination of different investment options. If you don’t make a choice, you’ll be invested in our MySuper default option, called Tasplan OnTrack. Your date of birth determines which stage you’ll be invested in, as shown below.

You must consider the likely investment return, risk and your investment time frame when choosing which option to invest in. If you need help to decide which investment option is right for you, call us on 1800 005 166.

5. How we invest your moneyTasplan has 11 investment options – each with a different level of risk and potential return.

Tasplan OnTrack stages and descriptions Build

90% growth

10% defensiveSustain

75% growth

25% defensiveControl

60% growth

40% defensiveMaintain

45% growth

55% defensive

Members aged 49 and under.

Focused on capital growth. It aims to achieve high long-term investment returns, while tolerating a high level of volatility of returns.

Members aged 50 to 54.

Begins to reduce the impact of capital losses. It aims to achieve high long-term investment returns, while accepting a medium to high level of investment risk.

Members aged 55 to 59.

Has an increased focus on capital protection. It aims to achieve moderate to high investment returns, while accepting a medium to high level of investment risk.

Members aged 60 and over.

Seeks to provide stability in your super savings. It aims to achieve moderate investment returns, while accepting a medium level of risk.

Type of investor You want your super to be invested in a pre-mixed option suited to your age.

Asset class Benchmark %Range

%Benchmark %

Range %

Benchmark %Range

%Benchmark %

Range %

Australian shares 29 15-45 23.5 10-35 17.5 5-30 13 5-30 International shares 36 25-50 27.5 15-40 18.5 5-35 13 5-30 Listed property 5 0-15 3 0-15 3 0-10 1 0-10 Total listed shares 70 60-90 54 45-70 39 30-55 27 15-45 Private equity 4 0-10 3 0-10 2 0-5 0 0-5 Unlisted property 7.5 0-15 8.5 0-15 9 0-15 9 0-15 Unlisted infrastructure 7.5 0-15 8.5 0-15 9 0-15 9 0-15 Total unlisted assets 19 5-30 20 5-30 20 5-30 18 5-30 Emerging market debt 2 0-10 2 0-10 2 0-10 0 0-10 Absolute return 2.5 0-10 3 0-10 3 0-10 3 0-10 Alternative debt 3.5 0-10 4 0-10 5 0-10 5 0-10 Alternative assets 8 0-20 9 0-20 10 0-20 8 0-20 Australian fixed interest 1 0-10 5 0-15 8 0-20 10 0-25 Global sovereign 1 0-10 5 0-15 8 0-20 10 0-25 Global credit 0 0-10 3.5 0-15 6 0-20 7 0-20 Cash 1 0-15 3.5 0-20 9 5-30 20 5-40 Cash and fixed interest 3 0-15 17 5-30 31 20-50 47 30-60Investment return objective2

CPI + 4% a year over rolling 10-year periods (10 years minimum suggested time frame).

CPI + 3% a year over rolling 5-year periods (5 years minimum suggested time frame).

CPI + 2.5% a year over rolling 5-year periods (5 years minimum suggested time frame).

CPI + 1.5% a year over rolling 5-year periods (5 years minimum suggested time frame).

Risk level3 High – risk band 6. You may expect 4-6 negative annual returns in a 20-year period.

Medium to high – risk band 5. You may expect 3-4 negative annual returns in a 20-year period.

Medium to high – risk band 5. You may expect 3-4 negative annual returns in a 20-year period.

Medium – risk band 4. You may expect 2-3 negative annual returns in a 20-year period.

2The investment return objectives are after investment fees and taxes. 3Refer to tasplan.com.au/risk for more information about these risk measures.

You can switch your investment options, subject to minimum requirements, or ask that future contributions be invested into a different option at any time in Tasplan Online, by completing the Change your investments form available at tasplan.com.au/member-forms or by calling us on 1800 005 166. When selecting, retaining or selling investments, we take into account labour standards, environmental, social and ethical factors. Tasplan is a signatory to the UN Principles for Responsible Investment (UNPRI). We regularly review our investment options to check whether objectives are being met. We may, after careful consideration, implement changes to the investment options, or we may close, remove or add new investment options. We’ll let you know of any significant changes affecting you before any action is taken, though minor changes may occur without notifying you or getting your consent.

Single sector investment options

Australian sharesInternational shares

Property

Fixed interest

Cash

Pre-mixed investment options

Growth

Sustainable

Balanced

Moderate

Conservative

MySuper default investment option

Tasplan OnTrack® Build

Tasplan OnTrack Sustain

Tasplan OnTrack Control

Tasplan OnTrack Maintain

®Registered to Tasplan Pty Ltd ABN 13 009 563 062.

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 account 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. You or your employer, as applicable, may be able to negotiate to pay lower fees. Ask the fund or your financial adviser.

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 superannuation calculator to help you check out different fee options.

6. Fees and costs

Fees for the MySuper optionThe main fees and costs for our MySuper investment option are shown below. You can use this information to compare costs between different super products. These fees and costs may be deducted from investment returns, or from your account directly. Fees and costs are shown on your member statements, or by checking your transactions in Tasplan Online.

Tasplan OnTrack investment option

Type of fee Amount How and when paid

Investment fee4,5Build 0.56% each year

Sustain 0.50% each year

Control 0.44% each year

Maintain 0.35% each year

Deducted from investment returns before they're credited to your account. Performance related fee estimates are included in the investment fee.

Administration fee5 $78 plus 0.16% of your account balance each year (the percentage fee is capped at $500 each year).

Calculated daily and deducted monthly from your account.

Buy-sell spread 0% Not applicable.

Switching fee $0 Not applicable.

Advice fees

relating to all members investing in a MySuper product or investment option.

$0 For intra-fund advice only.

Other fees and costs Other fees and costs, such as activity fees, advice fees for personal advice and insurance fees, may be charged, but these will depend on the nature of the activity, advice or insurance you choose. For more information, refer to the Additional explanation of fees and costs section in our Fees and costs fact sheet available at tasplan.com.au/pds.

Indirect cost ratio5,6Build 0.22% each year

Sustain 0.22% each year

Control 0.21% each year

Maintain 0.17% each year

Deducted from investment returns before they're credited to your account.

4 Investment and performance related fees are based on estimated annual fees for a full financial year and are indicative only. Future investment fees will vary mainly due to the underlying investments used, performance and asset allocation.

5If your account balance for a product offered by Tasplan is less than $6,000 at 30 June each year or when you close your Tasplan account, the total combined amount of administration fees, investment fees and indirect costs charged to you will be capped at 3% of the account balance. Any amount charged in excess of the cap must be refunded. 6 The indirect cost ratio is estimated based on costs incurred during the 2019-20 financial year.

As we only charge fees to cover costs, not to make a profit, you’re unable to negotiate the fees set out in this guide.

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You should read the important information about fees and costs before making a decision. Go to tasplan.com.au/pds. The material relating to fees and costs may change between the time you read this statement and the day you acquire the product.

Example of annual fees and costsThis table gives an example of how the fees and costs for the Tasplan OnTrack Build stage in this super product can affect your super investment over a one-year period. You should use this table to compare this super product with other super products.

Example - Tasplan OnTrack Build Balance of $50,000

Investment fee 0.56%For every $50,000 you have in the super product you'll be charged $280 each year.

PLUS Administration fee $78 plus 0.16% of your account balance each year.

And, you'll be charged $78 in administration fees regardless of your balance, plus $80.

PLUS Indirect costs for the MySuper product

0.22% And, indirect costs of $110 each year will be deducted from your investment.

EQUALS Cost of product $548 If your balance was $50,000, then for that year you'll be charged fees of $548* for the MySuper product.

*Additional fees may apply.

You can use the calculators available at the government operated website moneysmart.gov.au to calculate the effect of fees and costs on account balances.

Changes to fees and chargesThe trustee has the right to change the fee amounts without your consent. You’ll be given at least 30 days’ notice before any increase in fees, except for the investment fee and indirect cost ratio. The investment fee or the indirect cost ratio may vary from year to year depending on the expenses or costs incurred by the fund.

Fee definitionsFor the definitions of fees that may be charged, check out tasplan.com.au/super-fees.

Advice feesWe can provide you with general advice on your Tasplan account.

7. How super is taxedSuper can be a tax-effective way to save for your retirement. Understanding how different taxes work may help maximise your benefit.

Tax on contributionsThe tax paid on your super contributions depends on your age, the amount and type of contribution. Tax is deducted after the contribution is received.

Type of contribution Contributions tax

Before-tax (concessional) such as:

• employer contributions

• salary sacrifice

• personal contributions you've claimed a tax deduction for.

15% on amounts up to $25,0007 each year.

If your income (including before-tax contributions) is more than $250,000 a year, you'll pay an extra 15% on some or all of your before-tax contributions.

You can choose to withdraw up to 85% of excess contributions which won’t then count towards your after-tax contribution limit and you’ll be taxed at your marginal tax rate plus an interest charge.

After-tax (non-concessional) such as:

• personal contributions

• spouse contributions (for the recipient)

• excess before-tax contributions.

Nil on amounts up to $100,000 each year8.

If you're under 65 you may be able to make after-tax contributions of up to three times the annual limit in a single year without needing to pay extra tax.

Excess contributions and associated earnings will be taxed at 47%9 within the fund, unless you choose to withdraw these funds and 85% of earnings. If withdrawn, the earnings will be taxed at your marginal tax rate.

7If you have a super balance of less than $500,000 on 30 June of the previous financial year, you may be able carry forward unused concessional cap amounts. 8If you have $1.6 million or more in your super account(s) you may not be eligible to make after-tax contributions.9Tax rate includes the Medicare levy.

Tax on investment earningsInvestment earnings are taxed at up to 15% depending on your investment option(s). This tax is deducted, as an accrual of expenses, from your investment option unit prices before the earnings are credited to your account.

If you receive personal advice from one of our financial planners, you may be charged an additional fee. The Statement of advice provided by your financial planner, will detail the fees, if any, that you’ll pay. Tasplan financial planners are authorised representatives of Quadrant First Pty Ltd (ABN 78 102 167 877, AFS Licence No. 284443), a wholly owned subsidiary of Tasplan Pty Ltd operating as a separate legal entity.

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There are caps on how much you can contribute to super. There will be tax consequences if the contribution caps are exceeded.

Tax on withdrawalsTax may apply to withdrawals from your Tasplan account depending on your age, the amount and the tax components of your account. If applicable, tax will be deducted before you receive payment.

Your age Tax on the tax-free component Tax on the taxable component

Under your preservation age10

Nil Your marginal tax rate or 22%11, whichever is lower.

Between your preservation age and age 6010

Nil Up to $215,00012: nil.

>$215,00012: your marginal tax rate or 17%11, whichever is lower.

Over age 60 Nil Nil

10Age 55-60 depending on your date of birth. 11Tax rate includes the Medicare levy. 12The low rate cap is $215,000 for 2020-21 and is reduced by any previous withdrawals you’ve made and applied to the cap.

Death benefits payable to financial dependants, and eligible terminal illness benefits, are usually tax-free. Insured disablement benefits may be subject to tax.

6 | GUIDE

This is a brief summary of the insurance offered with Tasplan. You should read our Insurance guide available at tasplan.com.au/pds for more information about eligibility, cancellation, conditions and exclusions, which may affect your entitlement to cover, before deciding whether this insurance is appropriate for you.

You should provide your tax file number (TFN) when you join Tasplan.

If you don’t provide your TFN you may pay extra tax and miss out on government incentives, and you can’t make personal contributions.

You should read the important information about how your super is taxed before making a decision. Go to tasplan.com.au/pds. The material relating to how your super is taxed may change between the time when you read this statement and the day you acquire the product.

8. Insurance in your super

Types of coverTasplan offers competitive death, total and permanent disablement (TPD) and income protection cover to protect you and your family.

Death Total and permanent disablement Income protection

Provides a lump sum benefit for you, your dependants or your legal personal representative (executor of your estate) if you die or become terminally ill. Maximum cover is $10 million.

Provides you with a lump sum benefit if you become totally and permanently disabled and can no longer work. Maximum cover is $3 million.

Provides monthly payments if you’re unable to work temporarily due to illness or injury. The maximum benefit is 75% of your monthly income plus up to 10% super contributions cover, up to $30,000 each month.

Default coverTasplan automatically provides default insurance cover when you meet certain conditions. The cover you receive depends on your age and your employer, as shown in the table below. In certain circumstances, your cover may be limited or exclusions may apply. Refer to our Insurance guide for more information.

EmployerYour age Default cover type

Cover amount and cost of cover

You work for any employer (other than an eligible employer).

25-59 Default A death and TPD cover See Table A

60-64 Default A death only

You work for an eligible employer13.

25-59 Default B death and TPD See Table B.1

60-64 Default B death only

25-55 Default B income protection - 75% of monthly income, plus up to 10% super contributions cover with a two-year benefit period and 90-day waiting period.

See Table B.2

56-59 Default B income protection - 50% of monthly income, plus up to 10% super contributions cover with a two-year benefit period and 90-day waiting period.

13Eligible employers include Tasmanian state government employers, Tasmanian local council employers and other approved employers. You’re not eligible for default cover if, at the time your cover starts:

• you've been diagnosed with a terminal illness that's likely to result in your death within 24 months or

• you’ve previously received or been eligible for a terminal illness or total and permanent disability benefit from any insurer or super fund. If we become aware that you’re ineligible for default cover, we’ll refund the insurance costs you’ve paid for this cover, however this is usually only identified if you tell us or lodge a claim.

Default cover and costsThe amount of cover and annual cost of default A and default B death and TPD cover is shown in Tables A and B.1. If you’re eligible for default B income protection, Table B.2 shows the cost for each $100 of monthly cover. Your monthly cover is calculated based on all the SG contributions you receive in your Tasplan account.

Default cover is provided under the general occupation rating, unless you qualify for the office or professional occupation rating. We’re required to show the gross insurance costs, but only net costs are deducted from your Tasplan account. There's likely to be small differences between the costs calculated using the net costs and what you’re charged, due to rounding.

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Table A - default A death and TPD cover and annual cost – general A occupation rating

Age

Default A death cover amount $

Default A TPD cover amount $

Annual insurance costs for default cover

Age

Default A death cover amount $

Default A TPD cover amount $

Annual insurance costs for default cover

Age

Default A death cover amount $

Default A TPD cover amount $

Annual insurance costs for default cover

Gross cost $

Net cost $

Gross cost $

Net cost $

Gross cost $

Net cost $

15-20 50,000 65,000 40.60 34.50 36 153,600 102,400 343.04 292.86 52 27,900 18,600 174.75 149.54

21 50,000 65,000 43.40 36.80 37 149,100 99,400 353.37 303.67 53 24,900 16,600 166.33 142.18

22 50,000 65,000 46.85 40.25 38 144,600 96,400 366.32 313.78 54 21,300 14,200 151.51 129.65

23 50,000 65,000 50.95 43.70 39 140,100 93,400 377.34 323.16 55 18,600 12,400 141.79 121.21

24 57,700 65,000 59.82 51.38 40 133,200 88,800 385.39 329.45 56 16,500 11,000 134.48 115.12

25 82,500 65,000 82.58 70.43 41 126,300 84,200 389.43 333.85 57 14,700 9,800 128.14 109.61

26 106,200 65,000 105.54 90.37 42 119,400 79,600 393.22 336.31 58 13,200 8,800 123.20 105.47

27 132,600 88,400 145.86 124.20 43 112,500 75,000 396.38 339.00 59 11,700 7,800 116.92 100.07

28 155,700 103,800 184.76 159.33 44 105,600 70,400 397.76 340.74 60 11,000 - 60.61 51.92

29 180,000 120,000 232.20 198.60 45 103,200 68,800 413.49 354.66 61 10,600 - 62.75 53.64

30 176,400 117,600 245.20 211.09 46 93,600 62,400 399.98 341.95 62 9,900 - 62.87 53.86

31 172,800 115,200 262.08 224.06 47 84,000 56,000 383.60 328.16 63 9,400 - 64.11 54.90

32 169,200 112,800 278.62 238.01 48 71,100 47,400 344.84 295.54 64 8,800 - 64.50 55.18

33 165,600 110,400 296.98 254.47 49 58,200 38,800 301.09 257.44 65 - - - -

34 162,000 108,000 316.44 270.00 50 45,000 30,000 247.80 212.25

35 157,800 105,200 327.70 281.41 51 35,100 23,400 206.15 176.44

Table B.1 - default B death and TPD cover and annual cost – general B occupation rating

Age

Default B death cover amount $

Default B TPD cover amount $

Annual insurance costs for default cover

Age

Default B death cover amount $

Default B TPD cover amount $

Annual insurance costs for default cover

Age

Default B death cover amount $

Default B TPD cover amount $

Annual insurance costs for default cover

Gross cost $

Net cost $

Gross cost $

Net cost $

Gross cost $

Net cost $

15-20 100,000 130,000 45.00 39.70 36 307,200 153,600 339.46 291.84 52 55,800 27,900 168.80 143.96

21 100,000 130,000 47.00 40.70 37 298,200 149,100 350.39 299.69 53 49,800 24,900 160.36 137.45

22 100,000 130,000 51.60 45.30 38 289,200 144,600 360.05 309.44 54 42,600 21,300 146.97 125.88

23 100,000 130,000 56.20 48.60 39 280,200 140,100 371.27 315.23 55 37,200 18,600 137.45 117.37

24 115,400 130,000 68.11 57.29 40 266,400 133,200 372.96 319.68 56 33,000 16,500 130.52 111.54

25 165,000 130,000 96.00 80.55 41 252,600 126,300 377.64 322.07 57 29,400 14,700 124.51 106.58

26 212,400 130,000 123.70 104.94 42 238,800 119,400 378.50 324.77 58 26,400 13,200 120.12 102.83

27 265,200 132,600 157.79 135.25 43 225,000 112,500 376.88 322.88 59 23,400 11,700 114.08 97.70

28 311,400 155,700 199.30 171.27 44 211,200 105,600 375.94 323.14 60 22,000 - 78.98 67.54

29 360,000 180,000 246.60 210.60 45 206,400 103,200 395.26 338.50 61 21,200 - 81.83 69.96

30 352,800 176,400 257.54 222.26 46 187,200 93,600 380.95 326.66 62 19,800 - 81.97 70.09

31 345,600 172,800 271.30 235.01 47 168,000 84,000 367.92 314.16 63 18,800 - 83.66 71.63

32 338,400 169,200 287.64 247.03 48 142,200 71,100 331.33 284.40 64 17,600 - 83.95 71.98

33 331,200 165,600 304.70 259.99 49 116,400 58,200 288.09 247.93 65 - - - -

34 324,000 162,000 320.76 272.16 50 90,000 45,000 238.95 204.30

35 315,600 157,800 328.22 280.88 51 70,200 35,100 198.32 169.88

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Table B.2 - default B income protection annual insurance costs for every $100 of monthly cover – general B occupation rating

Age Gross cost $ Net cost $ Age Gross cost $ Net cost $ Age Gross cost $ Net cost $ Age Gross cost $ Net cost $

15-25 1.94 1.66 34 2.67 2.29 43 5.53 4.73 52 13.54 11.59

26 2.03 1.74 35 2.83 2.42 44 6.12 5.23 53 14.85 12.71

27 2.09 1.79 36 3.02 2.58 45 6.77 5.79 54 16.27 13.92

28 2.16 1.85 37 3.23 2.77 46 7.50 6.42 55 17.76 15.20

29 2.23 1.90 38 3.49 2.99 47 8.30 7.10 56 19.36 16.57

30 2.29 1.96 39 3.80 3.25 48 9.18 7.86 57 21.07 18.03

31 2.36 2.02 40 4.15 3.55 49 10.14 8.68 58 22.87 19.57

32 2.44 2.09 41 4.54 3.89 50 11.18 9.57 59 24.77 21.20

33 2.55 2.18 42 5.01 4.29 51 12.31 10.54 60 - -

Starting your coverDefault death and TPD cover commences on the date you satisfy all of the following conditions:

a. you’re aged between 25 and 64

b. your account balance is at least $6,000 and

c. an SG contribution has been received from your employer no earlier than 90 days before, or any time after, the date you satisfied conditions a and b.

Default income protection cover commences on the date you meet all of the conditions below:

a. you’re aged between 25 and 59

b. your account balance is at least $6,000c. you’ve received at least $650 of SG contributions no earlier than 90

days before, or any time after, you satisfied both conditions a and b and d. at least one of these SG contributions has been received from an

eligible employer. You may be able to start your default cover earlier by choosing to opt-in to default cover at any time. Conditions apply and are detailed in our Insurance guide.

Fixed coverIf you’re not eligible for default cover or you want to increase your cover, you can apply for fixed cover at any time. This is subject to acceptance by the insurer.You can apply for fixed cover through Tasplan Online or by completing the Insurance application form available at tasplan.com.au/member-forms.

Cost of coverThere are costs associated with insurance. The gross cost is your insurance premium, plus an insurance administration fee of 4% of your premium. The net cost is the gross cost reduced by a tax deduction of up to 15% of your premium. The net cost is what you pay. Insurance costs are calculated daily and deducted monthly from your Tasplan account. The cost may reduce depending on your occupation rating.The cost of income protection cover depends on your benefit payment period, waiting period, monthly cover amount, age and occupation rating.

Changing and cancelling your coverYou can change your cover through Tasplan Online or by completing the Manage your cover form available at tasplan.com.au/member-forms.You can cancel your cover at any time through Tasplan Online, by calling us on 1800 005 166 or by completing the Manage your cover form.

Transfer your insurance from another fundYou may be able to transfer your insurance from another super fund to Tasplan. Conditions apply. Refer to our Insurance guide or call us for more information.

9. How to open an accountJoining Tasplan is easyThere are three ways to join Tasplan:

1. an account is automatically opened for you when your employer pays SG contributions on your behalf

2. join online at tasplan.com.au

3. complete the Join Tasplan Super form in this guide.

We respect your privacyTasplan respects the privacy of the information you give us. Our Privacy policy is available at tasplan.com.au/privacy-policy or contact us.

Cooling-off periodIf you’ve chosen to join Tasplan, instead of your employer signing you up, you have 14 days from when you receive confirmation of your membership, to cancel should you change your mind.

Feedback and complaintsWe hope that you’ll never have a reason to complain. However, if you do, refer to our Complaints handling policy at tasplan.com.au/complaints-handling-policy for more information. Our contact details are shown at the front of this guide.

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The trustee of Tasplan Super (ABN 14 602 032 302) is Tasplan Pty Ltd (ABN 13 009 563 062). AFSL 235391. © 2020 Tasplan Pty Ltd. All rights reserved.

Unless you cancel your default cover, the cost will be deducted from your Tasplan account.

You should read the important information about insurance in your super in our Insurance guide before making a decision. Go to tasplan.com.au/pds. The material relating to insurance in your super may change between the time when you read this statement and the day you acquire the product.

You should read the important information about how to open an account before making a decision. Go to tasplan.com.au/pds. The material relating to insurance in your super may change between the time when you read this statement and the day you acquire the product.

1 of 3The trustee of Tasplan Super (ABN 14 602 032 302) is Tasplan Pty Ltd (ABN 13 009 563 062). AFSL 235391. © 2020 Tasplan Pty Ltd. All rights reserved.

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JoinTasplan Super

Mr Mrs Ms Miss Dr Last name

First name Date of birth (DDMMYYYY)

Middle name/s

Male Female

Residential address

Suburb/Town/City State Postcode

Postal address

As above

OR

Suburb/Town/City State Postcode

1 Your personal details

Home phone Mobile

Work phone

Email

Tax file number (TFN) You don’t have to provide your TFN, but you may pay extra tax, miss out on government incentives and you can’t make personal contributions. Refer to our How super is taxed fact sheet available at tasplan.com.au/pds for more information.

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The trustee of Tasplan Super (ABN 14 602 032 302) is Tasplan Pty Ltd (ABN 13 009 563 062). AFSL 235391. © 2020 Tasplan Pty Ltd. All rights reserved.

2 Choose your non-binding benefi ciaries

Nominating your beneficiaries is important as it tells us who to pay your super to if you die. Only certain people can receive super death benefits. For more information, refer to our How super works fact sheet available at tasplan.com.au/pds.To make a binding death benefit nomination, complete the Make a binding death benefit nomination form.

Beneficiary details Relationship (tick one only) Benefit %

Mr Mrs Ms Miss Dr Date of birth (DDMMYYYY) Spouse %

Child

First name Interdependency relationship

Financial dependant

Last name Estate/legal personal representative

Mr Mrs Ms Miss Dr Date of birth (DDMMYYYY) Spouse %

Child

First name Interdependency relationship

Financial dependant

Last name Estate/legal personal representative

Mr Mrs Ms Miss Dr Date of birth (DDMMYYYY) Spouse %

Child

First name Interdependency relationship

Financial dependant

Last name Estate/legal personal representative

Mr Mrs Ms Miss Dr Date of birth (DDMMYYYY) Spouse %

Child

First name Interdependency relationship

Financial dependant

Last name Estate/legal personal representative

Mr Mrs Ms Miss Dr Date of birth (DDMMYYYY) Spouse %

Child

First name Interdependency relationship

Financial dependant

Last name Estate/legal personal representative

Total must equal 100% 1 0 0 %

If you have more beneficiaries, provide the details on a separate sheet that you’ve signed and dated.

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The trustee of Tasplan Super (ABN 14 602 032 302) is Tasplan Pty Ltd (ABN 13 009 563 062). AFSL 235391. © 2020 Tasplan Pty Ltd. All rights reserved.

You can choose to invest in one or a combination of different investment options.

If you don’t make a choice, you’ll be invested in the Tasplan OnTrack®1 investment option.

You can change your investments, including your investment option(s) for future transactions, in Tasplan Online, by calling 1800 005 166 or by completing the Change your investments form.

For more information, refer to the Investment guide.

Investment option Investment percentage

Growth %

Sustainable %

Balanced %

Moderate %

Conservative %

Australian shares %

International shares %

Property %

Fixed interest %

Cash %

1 Your date of birth determines which Tasplan OnTrack stage you’re invested in.

® Registered to Tasplan Pty Ltd ABN 13 009 563 062.

Tasplan OnTrack1 %

Total 100%

3 Choose your investments

4 Member declaration

I apply to become a member of Tasplan Super and I acknowledge that:

• I’ve received, read and understood the Tasplan Super guide dated 1 July 2020, including any reference material, and agree to be bound by it

• I’ll be bound by the policies, procedures, trust deed and rules that govern Tasplan and the relevant law

• if I’m eligible for payment and I don’t give instructions, the trustee may keep my benefi t and continue to administer my super in accordance with my current instructions

• I consent to the use of my personal information as outlined in Tasplan’s Privacy policy available at tasplan.com.au/privacy-policy

• the trustee has advised me to obtain personal fi nancial advice and I’ve received all the information I need to understand the choices I’ve made

• I’ve disclosed all material information and the above information provided by me is true and correct.

Your signature Date (DDMMYYYY)

You MUST sign and date the member declaration above for this request to be valid.

Tasplan formsAll Tasplan forms are available at tasplan.com.au/member-forms or call us on 1800 005 166 and we’ll send you a copy.

Privacy policyTasplan’s Privacy policy tells you how we collect your information, what we use it for and who we share it with. Our Privacy policy is available at tasplan.com.au/privacy-policy.

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You MUST sign and date the member declaration on page 2 for this request to be valid.

The trustee of Tasplan Super (ABN 14 602 032 302) is Tasplan Pty Ltd (ABN 13 009 563 062). AFSL 235391. © 2020 Tasplan Pty Ltd. All rights reserved.

1800 005 166 > info@tasplan.com.au > GPO Box 1547, Hobart TAS 7001

Combine your superwith Tasplan

Member number Account number Date of birth (DDMMYYYY)

Mr Mrs Ms Miss Dr Last name

First name Middle name/s

Residential address

Suburb/Town/City State Postcode

Home phone Mobile

Work phone

Email

1 Your details

Important information

This request may close the account you’re transferring your benefits from.

Before combining your super:

• consider all relevant information. Diff erences in fees and investment returns can aff ect your super balance at retirement

• check if you have insurance with your other fund, as this will cease if your account is closed. You may be eligible to transfer your cover, contact us for more information

• consider if you want to claim a tax deduction or split contributions, as you won’t be able to do this on the contributions you’ve transferred.

Let your employer know that you’ve changed super funds. All future contributions should then be paid to Tasplan.

If you’re transferring from a self-managed super fund (SMSF), you’ll need to contact your SMSF to arrange the transfer to Tasplan.

2 Provide your tax fi le number (TFN) as proof of identity

Do we have your TFN?

Yes No, but here it is:

You don’t have to provide your TFN, but you may pay extra tax or miss out on government incentives and you can’t make personal contributions. Refer to our How super is taxed fact sheet available at tasplan.com.au/pds for more information.

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4 Member declaration

By signing this form I’m making the following statements:

• I declare that I’ve fully read this form and the information is true and correct.

• I’m aware that by transferring my super to Tasplan, I may lose benefi ts such as insurance with my previous fund. I’ve considered this and don’t require any further information.

• I discharge the trustee of my previous super fund from any further liability in respect of my benefi ts paid and transferred to Tasplan.

• I consent to the use of my personal information as outlined in Tasplan’s Privacy policy which is available at tasplan.com.au/privacy-policy.

• I authorise Tasplan to contact my other super fund regarding this request.

• I request and consent to the transfer of super as described above and authorise the super provider of each fund to give eff ect to this transfer.

Your signature Date (DDMMYYYY)

*Mandatory information required From (your old fund) To

*Fund name Tasplan Super

Member/account number

Phone 1800 005 166

*ABN 14 602 032 302

*Unique superannuation identifier (USI) TPN0100AU

*Transfer amount Total balance transfer

Partial balance transfer of $

Not required

3 Super fund details

You need to complete a separate form for each fund you’d like to combine.

1 of 2The trustee of Tasplan Super (ABN 14 602 032 302) is Tasplan Pty Ltd (ABN 13 009 563 062). AFSL 235391. © 2020 Tasplan Pty Ltd. All rights reserved.

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Give this completed form to your employer. Pay your

super to Tasplan

Mr Mrs Ms Miss Dr Last name

First name Middle name/s

Residential address

Suburb/Town/City State Postcode

Date of birth (DDMMYYYY)

1 Your details

2 Your chosen super fund

Fund name

T a s p l a n S u p e rTasplan account number (if known)

Fund ABN USI

1 4 6 0 2 0 3 2 3 0 2 T P N 0 1 0 0 A UPhone Website

1 8 0 0 0 0 5 1 6 6 t a s p l a n . c o m . a uEmail

i n f o @ t a s p l a n . c o m . a u

3 Member declaration

I request that all future super contributions be paid to my Tasplan Super account.

The compliance statement on the next page confirms that:

• Tasplan Super is a complying fund

• Tasplan will accept contributions from my employer

• my employer can make contributions into the fund.

Your signature Dated (DDMMYYYY)

Employer only

Date accepted (DDMMYYYY) Processed (DDMMYYYY)

2 of 2The trustee of Tasplan Super (ABN 14 602 032 302) is Tasplan Pty Ltd (ABN 13 009 563 062). AFSL 235391. © 2020 Tasplan Pty Ltd. All rights reserved.

F-MC004 07/2020

You’re to keep this form for up to five years. Don’t send it to us or the Australian Tax Office (ATO).

You must start making super contributions to your employee’s nominated account within two months of being given this form.

Existing Tasplan members

You don’t have to provide us with an employee’s existing Tasplan member number, but this information may make it easier for us to find their account when allocating contributions.

New Tasplan members

Your employee doesn’t need to set up a new account with us before you contribute for them. The SuperStream system will automatically set up a new member account.

Information for employers

How to pay contributions into Tasplan SuperYou can make super payments within our clearing house by either uploading a contribution file or by direct entry.

Our clearing house is the easy way to pay super into a bunch of funds with just one transaction.

It’s a SuperStream-compliant system, and any Tasplan employer can use it. Signing up is free and takes just five minutes.

If you have any questions or need more information, watch our clearing house help videos available at tasplan.com.au/tasplan-clearing-house or call us on 1800 005 166.

Tasplan Super compliance statementThe trustee confirms that we:• are a complying, resident and regulated super fund within the meaning of the Superannuation Industry (Supervision) Act 1993

• may be nominated as a default fund, as we’re MySuper authorised, and meet the minimum statutory insurance cover requirements

• can accept all types of super contributions, and accepts transferred and rolled over benefi ts, with no minimum benefi t amount.