Benefits Plan

The Border Express Benefits Plan is more than a superannuation fund. The plan offers a wide range of investment options, low fees and a comprehensive insurance package. You can also make super contributions for your spouse. The plan also offers a personal savings and investment plan, financial advice and investment education.

Overview of Features and Benefits of the Border Express Benefits Plan

Spectrum Financial Services are the superannuation administrators for the group through their product Spectrum Master Fund. Navigate the information for the Border Express Benefits Plan by clicking on the links to the left or below.

Superannuation Information

When you join Border Express you are currently able to make two main choices about directing your compulsory 9.5% employer and other contributions.

1) You can choose a new or existing registered complying super fund to receive your contributions, provided you nominate this fund correctly. Contact your People & Culture area for details and paperwork.

OR if you do not elect another fund,

2) From January 1st 2014 - the Border Express Benefits Plan (the default superannuation fund) is a MySuper compliant fund managed by IOOF Corporate Super with the following features: Entry fees on rollovers and contributions: Nil Exit Fees: $75 for complete termination only Annual member fee $104 ($2 per week) Basic Administration fee: 0.25% Investment option is: Balanced Investor Trust - Management fee 0.5%

Once you have joined to this fund you can change certain features to meet your needs and circumstances. For free information on this option, contact the fund advisors on 1300 668 600 for the cost of a local call.

Update on Super

The management team is currently investigating the current structure of the Border Express Benefits Plan with a view to reducing fees and improving long-term returns. It is hoped a decision will be made before the end of the third quarter 2014 and other options will be advised accordingly.

Existing Fund Members

Will be unaffected by most changes if you have been classed as 'Choice members'. In some cases, however, members prior to January 2014 will have their investment transferred to a MySuper investment option without your further input. This does two things, you will not be entitled to comprehensive superannuation advice and your investment options will revert to a 'basic' moderate return/risk investor profile. Longer-term, investing in these types of options have led to lower returns based on historical figures. You can 'opt-out' of this change if you don't want to change the current service and investment options arrangements.

Contact Details

For information on your options, please contact the fund advisors on 1300 668 600 for the cost a local call. You can contact IOOF Corporate Super on : Toll Free 1800 333 500 for details on the fund.

Also: information is available at www.ioofonline.com.au

Information issued by Paul G Tynan Authorised Representative of Wealthsure Pty Ltd AFSL 238030

Level 1, 557 Dean Street ALBURY NSW 2640

Service: 1300 668 600

Email: opal_service@ozemail.com.au

General Advice: Warning This information is general advice, that is, your personal objectives, needs or financial situation has not been taken into account when preparing this information. Accordingly, you should consider the appropriateness of this information on your own objectives, financial situation and needs before acting on it. Where the information relates to a particular financial product, you should obtain and consider the relevant product disclosure statement before making any decision to purchase that financial product.