I’d like to know more about Elements · investing easy easy with Elements. and provides you with choice and flexibility to meet your investment needs.” Auto-rebalancing Over time,

I’d like to know more about

Elements

Product summary

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Auto-rebalancingOver time, your investment profile will deviate from the original profile you created. We understand that you spent time carefully constructing this portfolio, so we offer an automatic rebalancing facility. With the automatic rebalancing facility you can select to have your portfolio rebalanced to its original profile quarterly, half yearly or annually. There is no need to manually monitor your portfolio or make the changes yourself – we do the work for you.

Simple reporting and open all hours Elements consolidates all the transaction reporting from investment managers and provides you and your financial adviser with simplified reports on all your investments. Each financial year, you’ll receive a comprehensive, easy-to-understand Annual Investor Report containing a clear snapshot of all your investments.

You can also view your account details 24 hours a day, seven days a week through Investor Online, which can be accessed through www.asgard.com.au. Once your account is established you’ll receive your account number and PIN, which will allow you to logon.

Investor Online also gives you access to your latest Investor Report, Product Disclosure Statements, insurance details and ‘Axis’ magazine. Axis keeps you up-to-date with information about new products and features as well as topical industry and investment insights.

Note: Your financial adviser can also provide you with extensive information on your account through adviserNET, Asgard’s comprehensive online facility for advisers.

If you have better things to do with your time than agonise over investment decisions, make investing easy with Elements.

Elements is easy to use, has easy to understand and competitive fees and offers a quality investment menu featuring some of the most recognised investment brands in the industry, so you can invest with confidence knowing your money is being managed by experts.

And of course, when you invest with Elements, you are investing with Asgard, one of Australia’s most awarded platforms.

Investing made easy with ElementsWith Elements and the help of your financial adviser, all you need to do is set up a portfolio that suits your individual circumstances and financial goals – and everything else is taken care of. This leaves you free to get on with other more important things.

Profile-based modellingWith the help of your financial adviser, you can establish an investment profile that can help you achieve your financial goals for the future. The benefit of profile-based modelling is the ability to set your investment strategy now and continue building on that strategy over time. There is no need to make investment decisions each time you deposit additional funds – you keep building on the one strategy.

Should you wish to change your investment strategy in the future, your adviser is able to do this for you simply and quickly, via our online system.

As Head of IT Infrastructure within our IT and Operations Division, Peter works behind the scenes to ensure the efficiency of our business systems.

Get there faster with a regular deposit planReach your retirement goals easier – and sooner – through a regular deposit plan. There’s nothing like a disciplined approach to saving and with this flexible plan, you can regularly top up your account from as little as $100 per month. Choose how much, how often and for how long – then watch it grow!

Simple fee structureWith Elements we don’t try and confuse you with a complex fee structure. You pay a simple, flat administration fee and an investment fee depending on the managed investments you choose in your portfolio. We’ve also been able to negotiate rebates on the fees charged by some investment managers, which you’ll benefit from if your account is open at the time the rebate is credited (which is generally quarterly).

Quality investment menuThe Elements investment menu offers a range of strong, well-established investment options. Through Elements you have the opportunity to invest with some of the most recognised investment brands in the industry. We’ve selected investment managers with excellent reputations and strong market support. Elements offers you a great range of Diversified Multi-blends, Sector Multi-blends and Single-manager funds.

Multi-blend funds are managed investments that combine a number of professional investment managers who are carefully selected to achieve the objectives of the fund.

Sector Multi-blends use a number of investment managers but invest in one particular sector or asset class such as Australian Fixed Interest or International Shares. The advantage of Sector Multi-blends is they combine a number of investment managers who offer superior expertise in the particular sector.

Diversified Multi-blends combine investment managers across a range of asset classes or sectors. They provide the benefit of diversification across investment managers and sectors, reducing risks associated with relying on any one investment manager or asset class.

Elements offers a multi-blend fund to suite a range of investment risk profiles. Your financial adviser can help you choose the multi-blend that best suits your attitude toward risk, return and investment time frame.

Return

Risk•Defensive

•Moderate

•Balanced

•Growth

•High Growth

Investment flexibilityWith so many investment choices, Elements gives you greater flexibility. Elements is designed so that once you’ve established your investment profile, you need do little else. Of course, that’s not to say that your investment choices are set in concrete. Should you need to, changing your investment profile is easy to do and your investments can be switched at any time, quickly and easily.

Asgard Elements investment menu

Diversified Multi-blend Funds

• Defensive• Moderate• Balanced• Growth• High Growth

Sector Multi-blend Funds

• Australian Fixed Interest

• International Fixed Interest

• Australian Shares• Australian Smaller

Companies• International Shares• Property Securities

Single-manager Funds

• 50 managed investments

“ You can be confident that you’ll receive the very best of service when you invest through us.”

Why choose Asgard?• Great service. We’re one

of Australia’s most awarded investment platforms, currently administering more than $38 billion for over 400,000 investors.

• Peace of mind. Your money is in good hands – Asgard has over 18 years’ experience in investment and super administration.

• Solid backing. Asgard is owned by St.George^, one of Australia’s largest and most respected service companies.

• Have control. Build your own portfolio from a broad selection of quality managed investments.

• Save money. You can save on transaction costs and paperwork by keeping your investments in one place.

^ Please note an investment in Asgard Elements is not a deposit or liability with St.George. St.George does not guarantee your capital or the performance of your investment.

SydneyLevel 12400 George StreetSydney NSW 2000Telephone 02 9947 1288Facsimile 02 9511 2366

MelbourneLevel 7530 Collins StreetMelbourne VIC 3000Telephone 03 9941 3388Facsimile 03 9941 3377

BrisbaneLevel 16A, Central Plaza One345 Queen StreetBrisbane QLD 4000Telephone 07 3229 5888Facsimile 07 3229 5877

PerthLevel 38, Central Park152 St George’s TerracePerth WA 6000Telephone 08 9415 5688Facsimile 08 9481 4834

Adelaide Level 25, Santos House91 King William StreetAdelaide SA 5000Telephone 08 8212 3877Facsimile 08 8212 4228

Asgard Capital Management Ltd ABN 92 009 279 592 AFSL 240695 RSE L0001946

Important information

The information (‘advice’) provided in this publication does not take into account your personal objectives, financial situation or needs and, because of that, you should before acting on the advice, consider the appropriateness of the advice having regard to your personal objectives, financial situation or needs. In deciding whether to open, or to continue to hold, an Asgard Account, you should consider the Product Disclosure Statement for that Account issued by Asgard Capital Management Limited ABN 92 009 279 592 AFSL 240695 (Asgard) . In deciding whether to take out, or maintain, insurance through the Asgard Personal Protection Plan, you should consider the Product Disclosure Statement for that Plan issued by Asgard . Copies can be obtained from Asgard or a financial adviser. Asgard is a wholly owned subsidiary of St.George Bank Limited ABN 92 055 513 070 (St.George). Managed investments selected through an Asgard Super/Pension Account do not represent deposits or liabilities of St.George and they are subject to investment risk, including possible delays in repayment and the loss of income and capital invested. Neither St.George, nor any member of the St.George Group in any way stands behind or guarantees the capital value and/or the performance of the specific investments you select, or the Accounts, products and services provided by Asgard generally. Advance Asset Management Limited ABN 98 002 538 329, a provider of one or more managed investments that can be accessed through Asgard Super/Pension, is also a wholly owned subsidiary of St.George. It receives fees paid from those managed investments. Information about the remuneration (including commission) or other benefits that Asgard and any other person can receive in respect of, or that is attributable to, an Asgard Account is set out in the Financial Services Guide issued by Asgard.

ABYEPS20607

Award winning serviceWhen you invest in Elements, you’re investing with one of Australia’s most awarded investment platforms. We are continually winning industry awards for the services we provide to advisers and investors*. You can be confident that you’ll receive the very best of service when you invest through us.

Shift into a higher gear with Elements – InvestmentYour Elements – Investment account has a gearing facility to allow you to really boost your investments. Also known as ‘margin lending’, gearing lets you borrow money to invest in shares, managed funds and master trusts by using your existing investments as security. Gearing has a range of tax benefits and gives you more funds to grow your investments.

Gearing is a powerful tool for wealth creation, used by investors to meet a range of investment objectives. Talk to your financial adviser about whether this strategy is suitable for you. Please note that gearing is not available through Elements – Super/Pension.

* Refer to page 11 of the Elements Super/Pension PDS for more details on recent awards we’ve won.

Protection when you need it mostWhile you can’t control the obstacles life throws your way, you can protect yourself against them with our range of insurance options. Insurance options include:

• salary continuance• life protection • total and permanent disablement

protection.

If you’re investing through Elements – Investment your range of insurance options is even greater. You can also choose from: trauma, critical trauma or business expense protection. Please note that these additional insurance options are not available through Elements – Super/Pension.

To find out more, or to apply for insurance cover, please read the Asgard Personal Protection Package Product Disclosure Statement, available from your financial adviser or us.

Elements Super/Pension Elements offers you all the benefits of a complying superannuation fund, including preferential tax treatment (investment earnings are tax-free), the ability to transfer investments from super to pension without selling them (no capital gains tax or buy/sell costs) and the choice between allocated and term allocated pensions.