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BT Lifetime Super-Employer Plan

Principal Contact: BT Employer Relations Telephone:
Facsimile: 1300 553 010
02 9274 5402

Address:
BT Lifetime Super - Employer Plan
GPO Box 2919
Adelaide SA 5001 Website:
Email: www.bt.com.au
customer.relations@btfinancialgroup.com

Overview:

The BT Lifetime Super - Employer Plan is suitable for employers with two or more staff, where employees have a starting balance of at least $10,000 each and where transactions are conducted through BT Online Employer. The Fund is part of a complying superannuation fund that can be used to make employee SG contributions under Super Choice. By partnering with BT, employers avoid the complexities of administering an in-house super scheme. The Fund provides employers with outstanding service and online transacting and reporting of contributions to give employers greater control. For employees, the Fund offers quality investment choice, cost-effective insurance and comprehensive education.

Year of Establishment: 1991

Value of Funds: $2.6 billion (as at June 2007)

Key Features:

Employer Clearing House Online (ECHO) is BT's online Clearing House solution for employers to make Super Choice contributions to multiple funds
World-class administration and Customer Relations call centre
Choice of 34 Investment Options
Cost-effective insurance options
Flexible employer plan design, including the ability to establish different rules for different groups of employees
Policy Committee service for larger plans
Options for spouses to have accounts
Extensive member education and workplace education seminars for larger plans
Extensive online functionality for both employers and employees
Binding and non-binding death benefit nominations

Administrator:
BT Financial Group

Auditor: PricewaterhouseCoopers

Custodians: HSBC

Asset Consultant:
Watson Wyatt

Lawyers:

A panel of leading legal firms

INVESTMENT OPTIONS
Note: Further Investment Options are available within the fund
BT Future Goals	Invests in a high mix of growth assets, with a limited exposure to defensive assets though a number of specialist investment managers.
Multi-manager High Growth	Invests in a high mix of growth assets, through a number of specialist investment managers.
Westpac Balanced	Invests in a balanced mix of growth and income producing assets.
BT Balanced Returns	Invests in shares, property securities, fixed interest, cash and alternative investments with a higher weighting towards growth assets.
Multi-manager Balanced	Invests in a balanced mix of growth and income producing assets through a number of specialist investment managers.
Schroder Balanced	Invests in a diversified mix of assets with a growth bias.
BT Conservative Outlook	Invests in shares, property securities, cash and alternative investments with a higher weighting towards growth assets.
Multi-manager Conservative	Invests in a high mix of defensive assets with limited exposure to growth assets through a number of specialist investment managers.
BT Australian Share	Invests directly in primarily Australian shares that we believe are trading at a significant discount to their assessed value.
BT Property Securities	Invests in listed and unlisted property-related investments including listed property trusts, developers and infrastructure investments, both directly and indirectly.
BT Partner Australian Shares Growth 1	Invests in Australian shares and other securities with a growth style.
BT Partner Australian Shares Core 1	Invests in Australian shares and other securities with a core style.
BT Partner Australian Shares Value 1	Invests in Australian shares and other securities with a value style.
BT Partner International Shares Growth 1	Invests in international shares and other securities with a growth style.
BT Partner International Shares Value 1	Invests in international shares and other securities with a value style.
Barclays Global Investors Growth	Invests primarily in growth assets with a moderate exposure to interest bearing assets.
Investors Mutual Australian Share	Invests primarily in Australian shares and other securities.

INVESTMENT PERFORMANCE	Performance to 30 June 2007 (%)
	1yr	3yr	5yr
Multi-manager High Growth	17.78%	14.81%	10.61%
BT Future Goals	14.84%	15.04%	10.65%
Multi-manager Growth	16.10%	13.95%	10.46%
Barclays Global Investors Growth	14.24%	13.21%	10.29%
BT Balanced Returns	11.70%	12.30%	9.15%
Multi-manager Balanced	13.96%	12.02%	9.02%
BT Conservative Outlook	7.38%	7.80%	6.43%
Multi-manager Conservative	6.79%	6.74%	5.74%
Westpac Balanced	11.50%	11.12%	n/a
BT Australian Share	22.73%	23.54%	16.98%
BT Property Securities	21.90%	17.01%	15.42%
BT Partner Australian Shares Growth 1	22.98%	22.06%	n/a
BT Partner Australian Shares Core 1	21.89%	20.49%	n/a
BT Partner Australian Shares Value 1	24.89%	22.89%	n/a
BT Partner International Shares Growth 1	-0.41%	3.92%	n/a
BT Partner International Shares Value 1	14.03%	11.67%	n/a
Shroder Balanced*	14.75%	n/a	n/a
Investors Mutual Australian Share*	24.80%	n/a	n/a

^*As these options were recently established, long-term performance data is not yet available.

Insurance Available:	Death, Death/TPD, Salary Continuance.
Extra Benefits:	Online account details, Online Transactions, and Retirement Planning.
Communications:	Employer reports, Newsletters, membership booklets, publications and monthly investment performance available on website. Members have access to an interactive educational website and newsletters. Educational seminars can be held for larger Plans.
Employer Services:	A dedicated relationship manager and Policy Committee Service for larger Plans, online transacting and reporting, member education, and ability to provide different benefits for different groups of employees.

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