Fund profiles

Integra Super
	Address: 347 Kent Street Sydney NSW 2000 Telephone: Member Telephone: Fascimile: 133 665 133 655 (02) 9234 6668   Website: Email: www.ing.com.au/member customer@ing.com.au
Overview:	Integra Super is a workplace super solution that delivers exceptional value, is easy to use and provides an extensive range of innovative employer and member services. The fund is specifically designed to meet the core employer super needs of most small to medium sized businesses with between two and several hundred employees. Integra Super offers everything you need to effectively and efficiently manage your employer super obligations, in a convenient and cost effective offering.
Year of Establishment:	1995
Value of Funds:	$4.95 billion
Key Features for Employers: Key Features for Members:	Hassle free new plan installation, transition management and new member set up service  A wide choice of over 55 investment funds Access to comprehensive insurance cover for death, disablement and illness Efficient and time saving online contribution payment options Free and easy online remittance of contributions to other super plans Policy committee support  Dedicated customer service and reliable administration support Simple and easy to use website Competitive and flexible pricing with group fee discounts, no member fee for account balances over $30,000 An extensive range of member services Online Member Super Centre with everything in one place, including account details and transactions (at www.ing.com.au/member) Interactive and online financial education, calculators and seminars Exclusive banking, lifestyle and entertainment benefits Family member benefits and discounts Hassle free rollover assistance from other super funds  Helpful and efficient telephone and online customer service Ongoing and easy to understand communication and support Maintaining their account and most benefits when changing jobs A straightforward transfer to pension option when retiring
Administrator:	ING Life Limited
Auditor:	KPMG
Custodian:	ING Custodians Pty Limited Insurer
Asset Consultant:	ING
Insurer:	ING Life Limited

INVESTMENT OPTIONS	More than 55 investment options classified into the following risk profiles:
Defensive	Suit investors who seek to maintain the original value of their investment and are prepared to accept lower returns for lower risk.
Conservative	Suit investors who seek relatively stable returns and accept some risk through a diversified portfolio containing more than one asset class.
Moderate	Suit investors who seek higher medium-term returns and accept the possibility of sustained negative returns over short periods.
Growth	Suit investors who seek high long-term returns and accept the higher possibility of sustained negative returns over short periods and or capital losses.
High Growth	Suit investors who seek to maximise long-term returns and accept the possibility of greater volatility and short-term capital losses.

Investment Performance:	Investment returns for all available investment funds can be found at www.ing.com.au
Insurance Available:	Death, Death/ TPD, Group Salary Continuance (2 year & to age 65 benefit periods)
Extra Benefits:	Financial Planning, Financial Seminars, Home Loans, Non-Super Savings Options, Retirement Planning, Super Splitting, Allocated Pensions. Member discounts on credit cards, personal loans and allocated pensions.  Discounts and special offers on a range of lifestyle and entertainment packages
Communications:	Employee Reports, Newsletters, eNewsletters, dedicated member website The Member Super Centre www.ing.com.au/member, Membership, Investment and Insurance Booklets (Our Insurance is contained in the member and employer books), Publications and Monthly Investment Performance available on website. Employer Super 'Breaking News' available from the ING website www.ing.com.au.  Quarterly investment updates available from the ING website, www.ing.com.au. Online and workplace member education program.
Employer Services:	Super clearing service available through EasyTransact – free for most plans. Online transactions. Dedicated new plan installation and transition management service. Super transfer service. Online employer information service.

FEES Contribution fee Nil Transfer fee Nil Withdrawal fee $68 (after tax) Administration fee Administration fee up to 1.10% p.a. (after tax) (including commission of up to 0.40% p.a.). Plans with account balances over $250,000 receive a rebate. Investment Management fee 0.29% p.a. to 1.53% p.a. after tax Member fee $51.00 p.a. after tax for plans using EasyTransact. Nil for account balances >$30,000. Adviser Service fee If agreed, either up to 1.00% p.a. (inclusive of GST) or up to $150 p.a. (inclusive of GST) Fee Discounts Fees are tailored on a sliding scale dependent on plan balance. Family Fee discounts also available. Retail style fee tiering applies when members transfer to Personal. Members retain group premiums when they transfer to Personal.

Integra Super is issued by ING Custodians Pty Limited ABN 12 008 508 496, RSE L0000763, AFSL 238346, a subsidiary of Australia and New Zealand Banking Group Limited (ANZ). From 2002 until late 2009, ING Australia operated as a joint venture between ANZ and the global nING Group (ING). ANZ recently puchased all shareholding in ING Australia, and now owns 100% of the company.
Although ING Australia is now owned by ANZ, we have a licence from ING to continue to use the ING brand for a period while we transition to a new brand, expected to be by late 2010. We will work to make this transition as smooth as possible and minimise disruption for our customers.
ANZ is an authorised deposit taking institution (ADI) under the Banking Act 1959. ING Custodians is not an ADI and an investment in the fund is neither a deposit nor liability of ANZ or any member of the ANZ Group, other than ING Life Limited. ABN 33 009 657 176 for any insurance product it. Neither ANZ nor any member of the ANZ Group stands behind or guarantees the issuer or the capital or performance of any securities issued to, or assets held by, you. Your investment is subject to investment risk, including possible delays in repayment and loss of income and principal invested.
The information you have been provided with is only a summary of the features of Integra Super. It is current at July 2010 and may be subect to change. This information is intended to only provide you with general information and, while the sources for the material are considered reliable, no responsibility is accepted for any inaccuracies, errors or omissions. Before making a decision based on this material, you should consider its appropriateness having regard to your objectives, financial situation and needs, and consider the Product Disclosure Statement available from www.ing.com.au/member or by calling 133 665. ANZ recommends that you read the ANZ Financial Services Guide and the relevant Product Disclosure for further information about its association with ING Custodians and any benefits that it may receive. Your capital is not guaranteed and returns can go up and down.