Fund profiles

Navigator Business Super
	Principal Contact: Ben Wood  Business Super Product Manager Toll Free Telephone: Telephone: Facsimile: 1800 814 899 (03) 9829 2757 (03) 9820 1534 Address: 509 St Kilda Road Melbourne Vic 3004 Website: Email: www.avivagroup.com.au nss@avivagroup.com.au
Overview:	Navigator Business Super is a flexible one-stop shop for employers who want ease and efficiency when it comes to providing super for their staff. As well as a range of quality investment options, flexible insurance arrangements and one simple competitive administration fee, Navigator Business super offers streamlined administration and quality servicing to help you manage your employees' super obligations with ease.  Aviva Australia is the local face of the international Aviva plc group, the world's fifth largest insurance group. Working with a network of advisers, we deliver life insurance, investments and superannuation to more than 300,000 customers throughout the country, and manage or administer more than $23 billion in funds. The global Aviva group has premium income and investment sales of AUD $103.35 billion p.a., and approximately AUD $764.66 billion of assets under management. The group has 59,000 employees serving 40 million customers worldwide.
Year of Establishment:	1999
Value of Funds:	$1.32 billion
Key Features:	High quality investment options from leading local and global fund mangers, so your employees can take advantage of some great performers to maximise their account balance. Seven multi-manager investment options (Pre-select) monitored by Aviva Research with asset consulting services provided by Mercer Investment Consulting. Flexible insurance options including automatic insurance cover up to certain limits, without employees having to undergo medical examinations (subject to conditions and a minimum of five members per plan), a range of flexible, Death, Total and Permanent Disability (TPD) and short and long term Income Protection options. Leading insurance features such as a "future insurability" benefit (eligible employees will be able to increase their Death or TPD insured benefit, without having to complete a personal health statement, on the occurrence of certain events, such as marriage, divorce or having a baby.) Total and Permanent Disability offered on both an "own" and an "any" occupation definition. Online administration system which includes a fully automated super contribution processing system, a clearing house facility to take care of payments to multiple funds in a choice environment and secure online access to add new members, update member details or submit contribution details. Online access to account details and transactions for employees including investment switching, benefit quotes, annual statements, insurance details and the ability to update personal details. The ability for members to switch investment options as often as they like, at no cost. A spouse account for members’ spouses or de facto spouses to take advantage of the discounted fees of the workplace plan. Anti-detriment payment to compensate for the effect of contributions tax (on death benefit payments). AAA rating from Rainmaker, 5 Apples rating from Chant West and a 5 Star rating from Heron. Comprehensive employee education program including seminars, fact sheets, and online facilities. Access to a financial planner who can help employees with comprehensive advice on super saving, investment choice, insurance selection and consolidation, to help them maximise their retirement benefits. Access to home loans through Wizard, at special member rates. Access to health insurance through Manchester Unity, at special member rates. Access to innovative remuneration packaging and employee benefit strategies through a relationship with Salaris Consulting. Access to the GE Money eco MasterCard, at special member rates with carbon offset credits to reduce greenhouse emissions.
Administrator:	Norwich Union Life Australia Limited
Auditors:	Ernst & Young KPMG
Custodian:	JP Morgan
Asset Consultants:	Aviva Research Mercer Investment Consulting
Insurer:	Norwich Union Life Australia Limited

Investment Performance (crediting rates) Growth Asset Weighting Performance to 30 June 2008   1yr 3yr 5yr Pre select Conservative 30 -1.66% 5.00% 6.19% Pre select Balanced 50 -5.65% 5.67% 7.36% Pre select Growth 70 -8.33% 6.78% 8.85% Pre select High Growth 85 -9.96% 7.31% 8.96% Pre select Australian Equities 100 -9.91% 11.97% 15.84% Pre select Australian Smaller Companies Fund 100 -12.56% - - Pre select International Equities 100 -13.80% 4.93% 6.54%

Insurance Available:	Death, Death/TPD, Health, Income Protection. (2yr, 5yr, to age 60 and to age 65).
Extra Benefits:	Access to financial planning, home loans, remuneration packaging, online transactions, super splitting, and clearing house services.
Communications:	Annual member report and statement, six monthly member statement, member welcome pack, award winning magazine and a host of educational materials, publications on monthly investment performance, annual statements and benefit quote statements available on the website, automatic online access for advisers, employers and members.
Employer Services:	Comprehensive online and face-to-face services are provided to employers. These include the services of both Business Superannuation Consultants and Client Relationship Managers, online transactions, choice of contribution options and a clearing house facility for payments to multiple funds.

FEES
Management Cost - ongoing fee ($% p.a.)	n/a
Management Cost - investment fee (% p.a.)	0.29% to 1.54%
Management Cost - member fee ($ per week/ annum)	3.00 per week.
Withdrawal Fee	Nil
Termination Fee	$77.18
Other	Adviser Services Fee: 0.00% to 0.75 pa of total Employer Plan assets (Adviser fees are agreed between the employer and the adviser)
Fee Discounts	Fees are negotiable for larger Plans.
Additional Adviser Servicing Fee	Adviser Review Fee: $0.00 to $2,750.00 or up to 10% of the account balance, with a maximum of $2,750. Negotiated between member and adviser for personalised financial advice.

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