Things you should knowThis PDS, prepared in accordance with the shorter form PDS regime, provides a summary of the key information you need to make a decision. It includes references to additional information that is part of this PDS – marked with an . This is important information you should consider before making a decision to invest in BT Super for Life.The information in this PDS is general information only and does not take into account your personal financial situation or needs. You may wish to consult a financial planner to obtain financial advice tailored to suit your personal circumstances.This PDS can only be used by persons receiving it (electronically or otherwise) in Australia. Applications from outside Australia will not be accepted.Contact usIf you have any questions about BT Super for Life or would like a copy of any material that is incorporated into this PDS by reference – marked with an – you can call BT Customer Relations on 1300 653 553.BT Super for Life forms part of the Retirement Wrap super fund ABN 39 827 542 991 and is issued by BT Funds Management Limited (BTFM) ABN 63 002 916 458, AFSL 233724 (‘Trustee’, ‘we’, ‘our’, or ‘us’) which is a member of the Westpac Group. BTFM’s registered address is Level 20, Westpac Place, 275 Kent Street, Sydney NSW 2000. BTFM is the issuer of this PDS and is authorised to offer the MySuper option detailed in the PDS.BT Super for Life – Savings account Unique Superannuation Identifier (USI) is BTA0287AU. BT Super for Life – Retirement account USI is BTA0280AU.Insurance offered in this PDS is issued by Westpac Life Insurance Services Limited (the Insurer) ABN 31 003 149 157, AFSL 233728.

BT Super for LifeProduct Disclosure Statement (PDS)Dated 1 July 2014

Contents1. About BT Super for Life 2

2. How super works 2

3. Benefits of investing with BT Super for Life 3

4. Risks of super 5

5. How we invest your money 6

6. Fees and costs 9

7. How super is taxed 11

8. Insurance in your super 12

9. How to open an account 14

10. Other information 15

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1. About BT Super for LifeBrought to you by BT Financial Group (BT) ` BT has been helping Australians create and manage wealth since 1969.

` BT is a wealth management specialist that’s wholly owned by Westpac.

BT Super for Life makes super, super easy!BT Super for Life is an online super product that offers a range of great features and benefits to take you from your first job through to retirement. It’s super that’s so simple to manage, yet it’s smart enough to evolve with you as your needs change throughout life.

To continue to do this for everyone, BT Super for Life offers a MySuper product. MySuper was introduced by the Australian Government to provide a super solution for Australians who don’t want to make complex decisions. For current information about the Trustee and the latest product updates about BT Super for Life please go to bt.com.au .

2. How super worksAbout superSuper is a means of saving for retirement which is, in part, compulsory. It may be one of the biggest investments you will make in your life. Nearly every Australian has the right to choose the fund into which their employer should pay super. The Australian Government has provided tax savings and other benefits which generally make super one of the best long-term investment vehicles.

ContributionsDifferent types of contributions can be made to super – for example, employer, personal and government contributions. Generally, if you are under 65 years of age, contributions can be accepted from you, your spouse and your employer. Once you turn 65, there are different rules around accepting contributions. BT Super for Life can accept all Superannuation Guarantee contributions from your employer.

Limits (known as ‘caps’) generally apply to the amount of contributions that can be made to your super. If you exceed the caps, additional tax is payable.

WithdrawalsGenerally, you cannot access your super until you turn 65, or retire after reaching your preservation age (between 55 and 60, depending on your date of birth). In limited circumstances, your super can be accessed before you retire to assist you and your dependants if a condition of release is met.

You should read the important information about How super works before making a decision. Go to the Additional Information Booklet available at

bt.com.au/super . The material relating to How super works may change between the time you read this statement and the day when you acquire the product.

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3. Benefits of investing with BT Super for Life

Choose the account to suit youWhatever stage of life you’re at right now, there’s a BT Super for Life account to suit you.

BT Super for Life – one product, three account types

Savings RetirementTransition to Retirement

When you’re working and saving for retirement you can use a BT Super for Life – Savings account so your employer, you and your spouse can add money to your super. You can also transfer money from another super account. It isn’t possible to hold more than one BT Super for Life – Savings account.

When you retire, or as you approach retirement, and want to start withdrawing money from your super, you can start withdrawing from your BT Super for Life – Savings account or change to a BT Super for Life – Retirement or Transition to Retirement account. Depending on your circumstances, you may even hold a Savings account and a Retirement or Transition to Retirement account at the same time.

Automatic, low cost insuranceYou will automatically receive Standard cover for Death and Total & Permanent Disability when you open a Savings account (subject to certain restrictions such as if you have a pre-existing condition).

Banking and super on one screenYou can manage your super more easily by simply logging in to your internet banking.

` Check your super balance, transaction history and investment performance.

` Update your investment choices and your beneficiary details.

` Top-up your super with the click of a button.

` Print a Choice form for your employer to pay super into your account.

` Make easy withdrawals when you retire by setting up payments to your bank account. For a list of eligible accounts see the Frequently Asked Questions online.

Keep your super togetherWe’ve made it easy to transfer money from your other super accounts so you can have all your super in one place. When you open your account, we will ask you to provide your consent for us to complete a Super Search on your behalf. Once we have your consent we’ll complete a Super Search with the Australian Taxation Office (ATO) and get to work on helping you find and combine all your super. You can choose to revoke your consent at any time.

Benefits

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Easy investment choicesBT partners with some of the world’s leading investment managers to offer you a range of asset types and investment management styles.

Option 1 – Let us do the hard work. We set the investment mix for you in a Lifestage Fund, and automatically adjust the mix as you get older.

Option 2 – Styled by you. You specify an investment mix yourself by choosing from the investment funds we offer.

How we keep in touchWe will mainly communicate with you online, via email or internet banking. At important times such as when your annual statement is ready or when we need to provide you with specific information about your account we will notify you by email or send you a secure message within internet banking. You can see your account details online at any time simply by logging in to internet banking.

When you join – we’ll send you a Welcome email and a Welcome Pack with all your account details and any information or forms you need to make the most of your new BT Super for Life account.

If you leave – you’ll receive an exit statement showing your closing balance and all transactions since you opened your account or since your last annual statement.

Other member benefitsTurn credit card points into superUse points earned from your eligible credit card to invest in your future by turning those points into super.BT BenefitsWe’ve negotiated great deals, offers and discounts with major retailers and brands as part of BT Benefits – our member benefits package. For details of some of the many savings you can access at no extra cost with BT Benefits, go to bt.com.au .

You should read the important information about Benefits of investing with BT Super for Life before making a decision. Go to the Additional Information

Booklet available at bt.com.au/super . The material relating to Benefits of investing with BT Super for Life may change between the time you read this statement and the day when you acquire the product.

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4. Risks of super All investments involve varying degrees of risk. Super funds may invest in a range of asset classes – for example, cash, fixed interest, property and shares – that have different levels of risk.

BT Super for Life offers a variety of investment funds, containing a different mix of these asset classes. The likely investment return, and the risk of losing money, is different for each investment fund depending on the underlying mix of assets.

Generally, the higher the potential return of an investment over the longer term, the greater the level of risk of loss in the shorter term.

What are the risks involved?When considering your investment in super, it is important to understand the following.

` Investments will fluctuate in value.

` Returns are not guaranteed and you may lose some of your money.

` Investment returns can be volatile and may vary. Past performance is not a reliable indicator of future performance.

` Laws affecting your super 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. A retirement account may not provide an income for the rest of your life. Payments will only continue until the balance of your account is exhausted.

There are particular risks associated with each investment fund. These could include (among other things) risks specific to a certain security, market risk, currency risk, interest rate risk, derivatives risk, alternative investments risk, credit risk, liquidity risk, and legal and regulatory risk.

The appropriate level of risk for you will depend on a range of factors including your age, investment time frame, where other parts of your wealth are invested, and your risk tolerance. On page 7 of this PDS you’ll find ‘Standard Risk Measures’ to help you assess the level of risk of each investment fund.

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5. How we invest your moneyOption 1 – Let us do the hard work for you in a BT Super for Life – Lifestage FundWhether you’ve just begun to save for retirement or you have already left the workforce, a Lifestage Fund can give you an efficient, well-diversified portfolio – designed and managed according to your age. For example, if you were born in 1973 you will be invested in the 1970’s Lifestage Fund. There is a different Lifestage Fund for each decade, designed to suit investors born within that decade, whose investment needs and approach to risk over time is typical of investors around the same age.

The Lifestage Fund is the MySuper investment fund in BT Super for Life.How does your Lifestage Fund change with you?Your investment needs are likely to change as you get older. Your Lifestage Fund aims to achieve an appropriate level of risk and return by automatically adjusting the mix of assets throughout your life.

When you are younger and have more time to withstand ups and downs in your investment, your Lifestage Fund will be more growth oriented to target a higher return.

Over time the fund will gradually shift to a more conservative asset mix by reducing its allocation of growth assets – such as shares and property – and increasing its allocation of defensive assets – such as fixed interest and cash.

How we change the asset mix over time

Level of risk/expected

return

Your age

2414 34 44 54 64 74

Growth assets

Defensive assets

What is the investment return objective and level of risk of your Lifestage Fund?Your Lifestage Fund has an objective to provide an investment return above inflation. To determine these objectives we have used the Consumer Price Index (CPI) which is a generally accepted measure of inflation. The specific investment objective for your Lifestage Fund changes over time and so does the level of risk. Please see ‘Risks of super’ for information about the relationship between risk and investment returns.

The following table shows the investment objective (after fees and taxes) and level of risk for each Lifestage Fund as at 1 July 2014. The Standard Risk Measure is a way of describing the level of risk of different investment funds (with 1 being the lowest and 7 the highest). It doesn’t consider all forms of investment risk. Please refer to the Additional Information Booklet for more information about the Standard Risk Measure.

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Lifestage Fund

Description Investment objective (over a 10 year period)

Standard risk measure

Minimum suggested investment timeframe

1940’s You’ve probably retired or are very close to retirement. The focus is on maintaining the real value of your investment. If you were born before 1950 this will be your Lifestage Fund.

CPI + 2.0% pa 3. Low to medium

3 years

1950’s Retirement is approaching or you’ve just retired. The focus is on protecting your investment while still seeking some growth.

CPI + 3.0% pa 5. Medium to high

4 years

1960’s Retirement is in the distance but getting closer. The focus is on achieving a balance between the potential for growth and the level of risk through a mix of growth and conservative assets.

CPI + 3.5% pa 5. Medium to high

5 years

1970’s Your savings are continuing with many years until retirement. Growth remains the main focus for your investment.

CPI + 4.0% pa 6. High 6 years

1980’s, 1990’s and 2000’s

You are saving and have many years to withstand rises and falls in the value of your investment. The focus is on maximising growth.

CPI + 4.0% pa 6. High 7 years

For more detailed information about the BT MySuper Lifestage Investment Options, please see the Investment Options’ Product Dashboards at bt.com.au/help/product-dashboard.asp.

What does your Lifestage Fund invest in?Your Lifestage Fund investments are made using the ‘multi-manager’ approach – combining high quality investment managers from Australia and around the world into a single fund.

The following table shows the asset allocation for each Lifestage Fund at 1 July 2014. The asset allocation is the mix of growth and defensive assets set with the aim of achieving the investment objective. We may change the asset allocation to suit market conditions but will stay within the minimum and maximum range shown in the additional information booklet. The asset allocation and ranges in your Lifestage Fund change as you get older.

Investments

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Asset Type (%) 1940s 1950s 1960s 1970s 1980s 1990s 2000s

Australian shares (listed) 6 17 25 31 33 33 33

International shares (listed) 4 15 24 31 33 33 33

Property– Australia (listed) 1 1 1 1 1 1 1– International (listed) 2 2 3 3 3 3 3– International (unlisted) 3 3 3 3 3 3 3Other – International (Alternatives Growth)

9 11 13 14 15 15 15

Commodities – International (listed)

1 2 2 2 2 2 2

Total growth assets 26 51 71 85 90 90 90

Australian fixed interest 10 7 4 2 1 1 1

International fixed interest 16 10 6 3 2 2 2

Other – International (Alternatives Defensive) 25 16 9 4 2 2 2

Cash 23 16 10 6 5 5 5

Total defensive assets 74 49 29 15 10 10 10

For detailed information about the asset classes refer to the fact sheets on bt.com.au .

Option 2 – Specify an investment mix yourselfIf you’d prefer to choose your own investment mix, you can select a mix you think is suitable by nominating the percentage of your super that’s invested in each of the following funds.

Super Cash

Moderate Fund

Conservative Fund

Growth Fund

Lifestage Fund

BT Super for Life

Do you have to make a choice?When you apply you’ll be asked to make a choice. You can change how you want your money to be invested at a later stage online. If you don’t make a choice, we’ll invest your money in the appropriate Lifestage Fund. The Savings account Lifestage Fund is the BT Super for Life MySuper investment fund.

How can you change your investments?It’s easy to change your investment fund(s) at any time online. Simply log in to your internet banking, click on your super account and select ‘Change my Investment’.Important note: when deciding how you want your super to be invested, you must consider the likely investment return, risk and your investment time frame.

You should read the important information about How we invest your money before making a decision. Go to the Additional Information Booklet available

at bt.com.au/super . 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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6. Fees and costsDID YOU KNOW?

Small differences in both investment performance and fees and costs can have a substantial impact on your long-term returns.

For example, total annual fees and costs of 2% of your 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.

Your employer may be able to negotiate to pay lower administration fees. Ask the fund or your financial adviser.*

TO FIND OUT MOREIf 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 (moneysmart.gov.au) has a superannuation fee calculator to help you check

out different fee options.

*This section is prescribed by law. BT Super for Life doesn’t charge contribution fees and management costs are set at the lowest level that is consistent with effective management of the product and are not negotiable.

This section shows fees and other costs you may be charged. These fees and costs may be deducted from your account, from the returns on your investment or from the assets of BT Super for Life. You can also use the information set out in the table below to compare the fees and costs with those for other super products.

Other fees, 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.

You should read all the information about fees and other costs because it is important to understand their impact on your investment.

The fees and other costs for the Lifestage Funds offered by BT Super for Life are set out below. You should refer to the Additional Information Booklet for fees and costs that apply to the other investment options.

Fees and costs

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BT Super for Life – MySuper Lifestage funds

Type of fee Amount How & when paid

Investment fee 0.50% pa of your account balance plus a performance fee (if applicable, current estimate: 0.0%).

Deducted from the Lifestage investment option and reflected in the daily unit price.

Administration fee $5 per month ($60 pa) Deducted from your account balance every month.

Plus 0.45% pa of your account balance.

Deducted from the Lifestage investment option and reflected in the daily unit price.

Buy-sell spread 0.22%-0.38% depending on your Lifestage fund.

The cost will be reflected in the buy price of the investment option.

Switching fee NilExit fee NilAdvice fee relating to all members investing in a particular MySuper product or investment fund

Nil

Other fees and costs1 Advice fee, if you agree a fee with your Financial AdviserPlus Insurance costs, if you have insurance cover in BT Super for Life.

This amount may vary and is deducted from your account balance on the date the fee or cost is incurred.

Indirect cost ratio Regulatory Change Expense Recovery

Up to 0.10% pa

Deducted from your investment option(s) and reflected in the unit price on a daily basis.

1_Additional fees and costs may apply. Please refer to the ‘Additional explanation of fees and costs’ in this section for more information.

Example of annual fees and costs for the Lifestage FundThis table gives an example of how the fees and costs for the 1970’s Lifestage Fund affect your superannuation investment over a one year period. You should use this table to compare this superannuation product with other superannuation products.

EXAMPLE – BT Super for Life – 1970’s Lifestage Fund

BALANCE OF $50,000

Investment fees 0.50%* For every $50,000 you have in the MySuper Lifestage Fund you will be charged $250 each year.

PLUS Administration fees

0.45% plus $60 ($5 per month)

And, for every $50,000 you have in the fund you will be charged $225 each year. Plus $60 in administration fees regardless of your balance.

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EXAMPLE – BT Super for Life – 1970’s Lifestage Fund

BALANCE OF $50,000

PLUS Indirect costs for the MySuper Lifestage Fund

0.10% And, indirect costs of $50 each year will be deducted from your investment.

EQUALS Cost of product If your balance was $50,000, then for that year you will be charged fees of $585 for the MySuper Lifestage Fund.

* Investment fees may be higher if certain investment performance targets are achieved. Please see ‘Investment fees’ in the Additional Information Booklet for more information.

Additional explanation of fees and costsDefined feesYou can find definitions of fees in the Additional Information Booklet at bt.com.au/super . GST and taxesThe fees quoted in this section include the Goods and Services Tax (GST) and are net of any applicable Reduced Input Tax Credits. The benefit of tax deductions to BT Super for Life, if any, will be passed on to account holders in the form of a reduced fee or cost.Adviser feesIf you have an adviser who is registered with BT, you can agree to pay them a fee for their advice on BT Super for Life by nominating an amount online. Details of this fee should be set out in the Statement of Advice provided by your adviser.Insurance feesYour insurance fees are your insurance premiums, shown in section 8 of this PDS.Changes in fees and costsWe are allowed to alter any of the fees and costs without your consent. If we increase the fees and costs, you will receive 30 days’ advance notice.

You should read the important information about Fees and costs before making a decision. Go to the Additional Information Booklet available at

bt.com.au/super . The material relating to Fees and costs may change between the time when you read this statement and the day you acquire the product.

7. How super is taxedSuperannuation can be subject to tax on contributions, earnings and withdrawals.

Tax on contributions Some, but not all, contributions are taxed, generally at a rate of 15% (provided you have supplied your Tax File Number (TFN)). Contributions tax is generally deducted quarterly in arrears, after we receive a personal tax deduction notice or when you withdraw your super.

If you are classified as a high income earner, you may need to pay an additional 15% tax (known as a Division 293 tax) on some or all of your contributions. If this applies to you the ATO will notify you after the end of financial year.

Important notes: You should provide us with your TFN when you join BT Super for Life. If you do not supply us with your TFN, we are required under law to either reject your contribution or deduct additional tax of 30% (plus Medicare Levy).

Tax

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While you can contribute as much as you like, there are limits (caps) on the amount of contributions that can be taxed at the standard contribution tax rates. You may incur excess contributions tax if you exceed certain caps. The two main caps available to you are the concessional and the non-concessional contributions caps. It is your responsibility to make sure you don’t exceed them.

Tax on earningsIn a Savings account investment earnings and capital gains are taxed at a maximum rate of 15%. Some capital gains may be taxed at the concessional rate of 10%. Tax on earnings and capital gains is reflected in the applicable investment fund’s unit price (or interest rate for Super Cash) and is not deducted directly from your account. In a Retirement or Transition to Retirement account, investment earnings are currently tax-free, however, please refer to the Additional Information Booklet for more information on tax on earnings.

Tax on withdrawalsIf you are aged 60 or over, withdrawals from your account are generally tax free. If you are under 60, you will generally be taxed as follows.

Lump sum withdrawals Pension payments

Tax-free component: Nil Tax is paid at your marginal tax rate less a 15% tax offset.

Taxable component:

` If under your preservation age (between 55 – 60 depending on your date of birth):

Tax is paid at 20% (plus Medicare Levy)

` If aged between your preservation age and 59:

Tax-free up to the low rate cap, then taxed at 15% (plus Medicare Levy)

Different rules for withdrawing your super may apply if you are, or were, a holder of a temporary visa under the Migration Act 1958.

You should read the important information about How super is taxed before making a decision. Go to the Additional Information Booklet available at

bt.com.au/super . The material relating to How super is taxed may change between the time you read this statement and the day when you acquire the product.

8. Insurance in your superBT Super for Life includes low cost life insurance to ensure you and your loved ones have financial protection against the unexpected. Cover is available anywhere in the world 24 hours, 7 days a week.

What types of insurance are available? ` Death Benefit pays a lump sum if you die or suffer a Terminal Illness.

` Total and Permanent Disability (TPD) Benefit pays a lump sum to you if you become Totally and Permanently Disabled.

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` Salary Continuance Insurance (also known as Income Protection) provides a monthly Benefit if you become totally or temporarily disabled because of Injury or Sickness and are unable to work.

If you become eligible to receive a Benefit, the Insurer will normally pay it to the Trustee. We will pay the Benefit to you provided you meet the conditions for release under the Trust Deed and Australian super law (as applicable).Premiums deducted from your super balanceInsurance premiums are deducted directly from your balance each month so you don’t have to budget for this cover from your take-home pay.

Automatic Standard coverWhen you open a Savings account you will automatically receive low cost, pre-approved cover for Death and TPD (some age restrictions apply).

Cover is subject to a pre-existing conditions exclusion. Other exclusions may also apply. Please refer to the ‘Insurance in your super’ section in the Additional Information Booklet for more information.Standard cover is pre-approved so there are no medical checks or forms to complete.

The level of cover you receive adjusts throughout your life – providing you with more cover when you are likely to need it most and less cover when you don’t.When does your automatic Standard cover begin?Your cover starts when we receive your first contribution.

Important note: unless you cancel the Standard cover, your first premium will be deducted on the first business day of the month following the date your insurance starts. You may also choose to reduce your Standard cover to Death cover only.Your premium and sum insuredPremiums for Standard Death and TPD cover are based on your age and gender. No additional loadings are applied based on your occupation or lifestyle.

The following table shows the sum insured and monthly premiums that apply for a single level of Standard cover for Death and TPD.

Standard cover – Death & TPD

Age

Sum insured ($)

Monthly premiums ($)

Male Female

15-19 37,500 3.55 1.67

20-24 50,000 3.87 2.14

25-29 75,000 4.56 3.31

30-34 100,000 6.20 4.78

35-39 125,000 9.66 9.15

40-44 125,000 14.03 14.85

45-49 100,000 20.00 20.09

50-54 75,000 29.80 27.09

55-59 45,000 35.30 30.98

60-64 30,000 43.32 36.00

65-69* 15,000 24.84 15.52 *Death only cover applies from the last Review Date prior to your 65th birthday.

Insu

rance

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The Insurer reviews your insurance on 1 July each year, and if applicable, will change your sum insured and premium based on your age. If the insurance premiums or sum insured set out in the table above are changed, you will receive 30 days’ notice.Do you want more cover?You can request double or triple the sum insured amount shown in the table above through pre-approved Standard cover. Requests to increase your cover must be made online within 90 days of your insurance starting. If you wish to select your own amount of cover, see ‘Customised cover’, below.

Changing or cancelling coverTo change or cancel your insurance, call us on 1300 653 553 or go online.

Customised coverCustomised cover gives you the option to choose the type of cover and the sum insured that best suits your needs.

In addition to Customised Death and TPD cover, you can select Salary Continuance Insurance (also known as Income Protection). You can apply for cover by logging in to internet banking and submitting the applicable application form. Your acceptance is subject to the Insurer’s assessment of your application.

Important note: further information about insurance available through BT Super for Life is included in the Additional Information Booklet. You’ll find information about your eligibility for cover, changing and cancelling cover, conditions and exclusions applicable to the cover, the level and type of cover available and the costs of insurance. This information may affect your entitlement to insurance.

You should read the important information about Insurance in your super before making a decision. Go to the Additional Information Booklet available

at bt.com.au/super . The material relating to Insurance in your super may change between the time you read this statement and the day when you acquire the product.

9. How to open an accountBefore you start your application, you should have the following information:

` Your email address

` Your TFN

` An eligible bank account (a list is available in the FAQ online)

Option 1: Apply online. It only takes a few minutes. Go to bt.com.au or log in to internet banking.

Option 2: Visit your nearest branch.

Option 3: Call us on 1300 653 553 and apply over the phone.

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Updating information in this PDSInformation in this PDS is subject to change and may be updated by us from time to time. Updated information, if not materially adverse, can be obtained by going to our website at bt.com.au , or by calling BT Customer Relations. You can request a paper copy of updated information at any time, free of charge.

Cooling-off period

To ensure you are happy with your decision to open a BT Super for Life account, you have a 14 day cooling-off period to check your account meets your expectations. Your cooling-off period starts either on the date you receive confirmation from us of an initial contribution to your account, or five business days after the initial contribution to your account is accepted, whichever is earlier. Your cooling-off period will end earlier if you exercise any of your rights, for example if an additional contribution is made, you change your investment choice or ask to cancel or increase your insurance.

If you wish to close your account within the cooling-off period please call BT Customer Relations. You may ask for your money to be rolled over to another super fund, or paid back to you if you satisfy a condition of release. Please note, you may get back less than you invested due to changes in the applicable investment fund’s unit price and any tax deducted. Your insurance will also be cancelled if you decide not to continue with your account.

Complaint resolutionIf you have a concern or complaint about the operation or management of BT Super for Life, please contact BT Customer Relations. If your concern cannot be resolved over the phone, you can outline your complaint in writing by emailing customer.relations@btfinancialgroup.com . We will endeavour to resolve your complaint within 30 days of receiving your email, and are required by law to deal with your complaint within 90 days.

If you are not satisfied with the response, or do not receive a response within 90 days, you may contact the Superannuation Complaints Tribunal by calling 1300 884 114 or writing to Locked Bag 3060, Melbourne VIC 3001. The Tribunal is an independent body established by the Government to help members of super funds resolve complaints.

10. Other information You should read the important Other Information before making an investment

decision. It provides information about the Trust Deed, your privacy, the Eligible Rollover Fund, and other information you need to know. Go to the Additional Information Booklet available at bt.com.au/super . The Other Information may change between the time you read this statement and the day when you acquire the product.

bt.com.au

Your BT Super for Life accountYour account details are below. Please keep this booklet handy for your reference.

BT Super for Life account

Account name: �������������������������������������������������������������

Account number: �����������������������������������������������������������

Account BSB: ��������������������������������������������������������������

Checklist Tax File Number provided?

Choice of Super Fund form completed?

Request to transfer form(s) completed?

Follow-up appointment required? Did you know?You can access additional pre-filled in forms when you log in to your account through internet banking.

DisclaimerAn investment in BT Super for Life is not an investment in, deposit with, or any other liability of, Westpac Banking Corporation ABN 33 007 457 141 (Westpac), or any other company in the Westpac Group. It is subject to investment risk, including possible delays in repayment or loss of income and principal invested. Westpac and its related entities do not stand behind or otherwise guarantee the capital value or investment performance of any investment options or any related assets of BT Super for Life. BTx30203-0714px

Like to know more?If you have any questions or would like more information about BT Super for Life

1300 653 553

bt.com.au