Asgard Employee Superannuation Account
	Principal Contact: Nathan Harris Senior Product Manager Corporate Superannuation Member Telephone: Employer Telephone: Facsimile: 1800 998 185 1800 005 740 (08) 9481 4834 Address: Asgard, PO Box 7461 Cloisters Square, WA 6850 Website: Email: www.asgard.com.au business.super@asgardwealthsolutions.com.au
Overview:	The "AAA" rated Asgard Employee Super Account is a holistic solution for your business superannuation needs. By choosing Asgard to administer superannuation for your employees, you can focus more on your core business and less on the complicated and often time-consuming management of your business superannuation. Ease of administration is achieved through integrated online payment and administration systems, making the task of paying superannuation for your employees as easy as a button click regardless of the fund they want to pay to. Asgard is one of Australia's leading Super and Investment administrators with funds under administration in excess of $30 billion. A wholly owned subsidiary of the Westpac Banking Corporation, Asgard provides business superannuation solutions to more than 6,400 Employers and 130,000 employees.
Year of Establishment:	1997
Value of Funds:	$2.3 billion (AESA FUM) as at 30 June 2011
Key Features:	An experienced team of business to business specialists encompassing superannuation, investment, insurance and administration. A high degree of fee flexibility to cater for employer groups of all needs and sizes. A focus on investment choice for everyone, with 5 pre-mixed options (age based defaults) through to over 330 leading managed investments as well as a broad  range of securities listed on the Australian Stock Exchange. Employer Online, an internet information and transaction facility which includes the ability to make contributions and add and remove employees. Secure internet access for employees through Investor Online for access to account details, transactions details, Product Disclosure Statements for their investments, monthly investment returns and regular newsletters. Access to financial advisers for employees. Comprehensive and flexible insurance options.  Online education available at www.asgard.com.au. Member benefits package with access to suite of discounts including movie tickets, health insurance, gym membership, and many others. Your employees have access to all Asgard products including Pensions and Self Managed Superannuation accounts. Spouse and family Accounts. Spouse and family have access to the same great features and fee discounts that will apply to the employer sponsored member. Both spouse and family have access to insurance. Spouse at special group rates and family at our retail rates. Policy Committee support including Policy Committee Guide and secretarial support for large plans.
Administrator:	Asgard Capital Management Limited
Auditor:	PwC
Custodian:	Asgard Capital Management Limited
Asset Consultant:	Advance Investment Solutions
Lawyer:	External Panel

INVESTMENT OPTIONS
Defensive	Aims to provide secure income with a low risk of capital loss over the short-to-medium term with some capital growth over the long term.
Moderate	Aims to provide relatively stable total returns over the short-to-medium term with some capital growth over the long term through a diversified mix of growth and defensive assets.
Balanced	Aims to provide moderate-to-high total returns (before fees and taxes) over the medium term from a combination of capital growth and income through a diversified mix of growth and defensive assets.
Growth	Aims to provide moderate-to-high total returns (before fees and taxes) over the medium-to-long term largely through capital growth by investing in a mix of growth and defensive assets.
High Growth	Aims to provide superior total returns (before fees and taxes) over the long term through capital growth by investing in growth assets.

As well as over 350 wholesale managed funds and shares in the S&P/ ASX 300 index.

Performance to 30 June 2011

Asgard Superannuation Account - SMAF & Employee Net Returns Fund Option 1mth % 3mth % FYTD 1yr (%pa) 3yr(%pa) 5yr (%pa)  Asgard SMAF - SMA Defensive -0.32% 0.30% 8.53% 6.01% 6.01% 5.17% Asgard SMAF - SMA Moderate -0.55% -0.04% 9.96% 9.96% 5.15% 4.38% Asgard SMAF - SMA Balanced -0.66% -0.62% 11.06% 11.06% 3.53% 3.08% Asgard SMAF - SMA Growth -0.30% -0.63% 12.43% 12.43% 2.42% 2.11% Asgard SMAF - SMA High Growth 0.91% 0.11% 14.55% 14.5% 1.36% 1.25%

Assumptions and notes
1. These are estimated portfolio returns which are based on the performance of the underlying investments.
2. The returns:
a) Are shown net of investment manager fees;
b) Are  shown net of estimated taxes;
c) Assume reinvestment of income;
d) Are shown  after an allowance for investment management fee rebates;
e) Use actual asset allocation, at the beginning of the month, from December 2003 onwards, and strategic asset allocations prior to this period;
f) Do not allow for any Asgard product fees; and
g) Assume that no Cash Balance is held (which may be up to 4% of a portfolio). 
3. Returns for 1 month, 3 months, and financial year-to-date are non-annualised.
4. Past performance is not indicative, nor a guarantee, of future performance.

Insurance Available:	Life, Life/ TPD, Salary Continuance.
Extra Benefits:	Allocated Pension, Term Allocated Pension, Business Loans, Financial Planning, Financial Seminars, Home Loans, Non-super Savings Options, Online Account Details, Online Transactions, Retirement Planning, Member benefits package with access to suite of discounts and offers.
Communications:	Membership, insurance and investment booklets; Publications and monthly investment performance available on website, half-yearly investor reports and newsletters. Employer Reports are available continuously online and on request from the service centre. Employers can view contribution summaries, contribution details, asset allocation and funds under administration.
Employer Services:	Financial Adviser, Employer Online, Employer Online Transact, Dedicated Call centre and email contact, Dedicated Account Manager support on large plans, Access to our Technical Services team and quarterly Employer Update newsletter.

FEES
Contribution fee	0% - 5.125%
Administration fee	Tiered scale from 0.1025% to 1.5375% depending on account type and value
Trustee fee	0.0974%
Expense Recovery fee	Expense recovery fee up to 0.3588% depending on account type. Payable on first $500,000 only and nil thereafter
Investment fee (% p.a.)	0.17% to 0.64%* for SMA-Funds and 0% to 4.38% (excluding investment fee rebates) for Managed Profiles. 0% for shares.
Additional Adviser Servicing fee	Standard 25% of the administration fee but can be negotiated on a percentage or flat dollar fee basis
Other fees	$25 where the trade values are up to and including $30,000. For trades over $30,000 the brokerage is 0.1025% of the value of the trade.
Fee Discounts	Administration Fee Discount (Based on the total value of the employer group accounts) $ Plan Size Discount in % $0 - $500,000 0% $500,001 - $1,000,000 5% $1,000,001 - $5,000,000 30% $5,000,001 - $10,000,000 40% $10,000,001 - $20,000,000 45% More than $20,000,000 50% Fees are negotiable for larger Employer groups and fee discounts in excess of 50% may apply to larger employer groups as negotiated from time to time.

*Performance fees may also be payable

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