Product and services guide - ANZ Personal Banking · Product and services guide Super solutions for today, tomorrow and always. ... wisit, sen drem zzril ilisci ea cor sustrud et

Product and services guideSuper solutions for today, tomorrow and always

The right choice for your employer super needs ING is one of the largest and most trusted names in superannuation in Australia*

ING currently manages in excess of $A11 billion in funds under management of the employer superannuation entitlements for more than 700,000 individual employees. We work with over 38,000 employers, many of whom rank as some of Australia’s largest and most respected employers.

Our position as a leader in the Australian superannuation marketplace is based on our commitment to providing our customers a comprehensive superannuation package that delivers on three core criteria:

exceptional value – our products must be fully featured, flexible and very competitively priced

ease of use – everything we do should reduce the superannuation administration burden for our clients

extensive and innovative member services – we strive to provide innovative super support services that engage and empower members to help them get the most out of their retirement savings.

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Thank you for considering ING for your employer superannuation needs. We look forward to effectively managing your superannuation… today, tomorrow and always.

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* ING Consumer Brand Research, Stancombe Research and Planning, June 2007

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* Heron Partnership, 2007. For details visit www.heronpartners.com.au † Chant West 2007 ratings. Integra Super rated in Small Corporate category. ‡ Rainmaker Information, Selecting Super Fund Quality Assessment, 2007. § Australian Teleservices Association, 2007. # 2007 ACNielsen Wealth Management Report.

Highly rated by experts Leading independent consultants rank ING’s Integra Super as among the best corporate super products for small to medium sized businesses in the marketplace. These ratings include:

5 Heron Quality Stars*

5 apples by Chant West†

AAA quality assessment rating‡

NSW Contact Centre of the year for �007 in the 50 plus seat category§

No.� for customer satisfaction with service, ongoing fees and charges and the ease of adding to investments#

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Introducing Integra Super ING’s Integra Super is a leading employer super solution dedicated to servicing the needs of Australia’s growing small to medium sized business sector.

About Integra Super

Integra Super is focused on helping businesses that:

have between two and several hundred employees

have low staff turnover

have low levels of casual staff*

want a super fund that already complies with the Choice of Fund legislation and makes operating in a ‘choice of super fund’ environment easy

prefer to remit contributions electronically.

Integra Super for employers

Integra Super offers everything employers need to effectively and efficiently manage employer super obligations, in a convenient and cost effective offering:

choice of over 50 investment funds with unlimited switching

access to comprehensive insurance cover for death, disablement and group salary continuance (income protection)

tailored investment solutions and insurance arrangement opportunities

competitive group pricing with negotiable low member fees

family member benefits and fee discounts

free and easy rollover assistance from other super funds

policy committee support for when the plan grows to more than 49 members

dedicated customer service and reliable administration support

hassle-free new plan installation and transition management service

efficient and time-saving online contribution payment options via EasyTransact, internet banking (EFT) and BPAY®

free super clearing service for most plans.

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* Integra Super is not designed for employers with more than 20% casual employees or high staff turnover (more than 30% p.a.). ® Registered to BPAY Pty Ltd ABN 69 079 137 518.

Integra Super for members

To make life even easier, Integra Super delivers an extensive range of innovative member services including:

innovative online Member Super Centre with everything in one convenient place

interactive online financial education, calculators and seminars

exclusive banking, lifestyle and entertainment package – InvestorBenefits

helpful and efficient telephone and online customer service

ability to keep many of the benefits when members change jobs

straightforward transfer to retirement option.

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Multi-manager funds

• OptiMix Australian Fixed Interest • OptiMix Australian Shares • OptiMix Balanced • OptiMix Conservative • OptiMix Geared Australian Shares • OptiMix Global Shares • OptiMix Global Smaller Companies Shares • OptiMix Growth • OptiMix Moderate • OptiMix High Growth • OptiMix Property Securities

External manager funds

• AMP Capital Equity

• AXA Global Equity Value

• Barclays Global Investors Australian Shares • Barclays Global Investors Diversified Growth • Barclays Global Investors

International Shares

• Colonial First State Diversified • Colonial First State Imputation

• Credit Suisse International Shares • Credit Suisse Property

Wide investment choice Integra Super offers a wide investment menu consisting of over 50 different investment funds within a wide range of investment styles and asset classes. These include single manager, multi-manager, sector specific, diversified, index, ethical, domestic and international investment funds.

• Zurich International Shares • Zurich Managed Growth

• MFS Global Equity

• Platinum International

• Perpetual Australian Shares • Perpetual Balanced Growth • Perpetual Conservative Growth • Perpetual International Shares

• Vanguard Australian Shares Index • Vanguard International Shares Index • Vanguard Property Securities Index

• Schroder Australian Equity • Schroder Balanced

• UBS Balanced • UBS Defensive Investment • UBS Diversified Fixed Income

• Investors Mutual Australian Shares

ING funds

• ING Australian Shares • ING Balanced • ING Blue Chip Imputation • ING Capital Stable • ING Cash • ING Diversified Fixed Interest • ING Emerging Companies • ING Global Emerging Markets Shares • ING Global Property Securities

• ING Global Shares • ING High Growth • ING Managed Growth • ING Mortgages • ING Property Securities • ING Protected Growth • ING Select Leaders • ING Sustainable Investments – Australian Shares

OptiMix Balanced is Integra Super’s default investment strategy

Where an employer does not nominate a default investment strategy, member contributions will be invested in the Trustee’s default strategy, OptiMix Balanced. Employers can also elect to choose an investment strategy which suits the overall needs of the plan. Members can nominate their own personal investment strategy at any time.

• Perennial Value Shares

The optimal mix of investment managers

Increasingly many super funds are looking to multi-manager or ‘Manage the Managers’ style investments as the default strategy for their employer super plans. Multi-manager and Manage the Managers (MTM) investments offer comprehensive diversification across different asset classes and investment managers, simply and conveniently, through the one investment. The aim of these types of funds is to reduce investment volatility and produce strong long term performance for investors.

OptiMix is ING Australia’s specialist MTM research and investment solution within Integra Super. OptiMix has been delivering consistent investment returns for investors for over a decade and currently manages over $A8.75 billion in funds under management as at 31 July 2007.

The underlying specialist fund managers that can be accessed through OptiMix investment funds include#

* Manager for the OptiMix Global Smaller Companies Share fund. † Manager for the OptiMix Global Emerging Markets Share portfolio. ‡ Currency manager. § Manages US mortgage backed securities within international fixed interest.

|| Manager for the OptiMix Australian Fixed Interest fund only. # The investment managers may change at any time without notice. Source: OptiMix, as at July 2007.

OPTIMIX ACTIVE MANAGE THE MANAGERS (MTM) Active at every stage of the investment process

* Manager for the OptiMix Global Smaller Companies Share fund.† Manager for the OptiMix Global Emerging Markets Share portfolio.‡ Currency manager.§ Manages US mortgage backed securities within International Fixed Interest.

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INTERNATIONAL AUSTRALIAN PROPERTY INTERNATIONAL AUSTRALIAN INDEXED LINKED AUSTRALIAN FIXEDSHARES SHARES SECURITIES FIXED INTEREST FIXED INTEREST BONDS INTEREST AND CASH

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|| Manager for the OptiMix Australian Fixed Interest fund only.

The investment managers may change at any time without notice.

Source: OptiMix, as at May 2007The chart below plots the risk/return trade-off of the �� OptiMix funds offered by Integra Super

Note: Indicative performance is not a reliable indicator of future performance.

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Comprehensive and convenient insurance options Integra Super helps to protect members and their families by offering a range of comprehensive and competitively priced death, total and permanent disablement and group salary continuance (income protection) options. Employers can easily select the type and level of cover required.

Insurance cover options available through Integra Super

Death only (including Terminal Illness)

Death (including Terminal Illness) and Total and Permanent Disablement (TPD)

Group Salary Continuance (GSC) with the flexibility of either � year or to age �5 benefit period

These insurance options are available as stand alone arrangements or a combination of either Death Only and GSC or Death and TPD and GSC. TPD only cover is not available.

Default cover

To make it easy for employers to provide all employees with a basic level of insurance protection, Integra Super plans are automatically established with one unit of Standard Death and TPD default insurance cover. This means that all members of the plan, regardless of their occupation, will have insurance cover upon joining.

Tailored Death and TPD and GSC cover

Employers can choose to tailor the insurance arrangements for the plan to meet the needs of employees.

When an employer establishes additional insurance cover for their plan, they may be provided with an Automatic Acceptance Level (AAL). An AAL is a specified amount of insurance cover available to eligible members within the plan without them needing to provide evidence of good health. The AAL that applies will depend upon the plan (please refer to the table opposite).

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Insurance protection for family members

Family members may also be able to access Death and TPD cover (subject to application and approval). Eligible family members include parents, children, spouses, defactos, partners, brothers and sisters and there is no limit to the number of family members that a member can introduce to Integra Super.

Automatic acceptance tables

Table �: Standard Cover – Death and TPDNo. of employees eligible to join the employer plan

No. of eligible members for one unit of default cover to apply

% of eligible employees who must join the plan for the AAL to apply for additional units

Maximum units of coveravailable

1–9 No minimum N/A 1 unit of cover

10–19 No minimum 75% 2 units of cover

20+ No minimum 75% 3 units of cover

Table �: Tailored Cover – Death and TPDNo. of employees eligible to join the employer plan

% of eligible employees who must join the plan for the AAL to apply

Maximum AAL – Death/TPD

1–4 Not available Not available

5–9 100% $200,000

10–19 75% $250,000

20–29 75% $400,000

30–49 75% $450,000

50–99 75% $500,000

100–249 75% $600,000

250+ 75% Negotiable*

Table �: Group Salary ContinuanceNo. of employees eligible to join the employer plan

% of eligible employees who must join the plan for the AAL to apply

Maximum AAL – Group Salary Continuance

1–9 Not available Not available

10–19 75% $3,000 per month

20–25 75% $4,000 per month

26–49 75% $5,000 per month

50–74 75% $6,000 per month

75–99 75% $7,000 per month

100–249 75% $8,000 per month

250+ 75% Negotiable*

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* Employers with more than 250 insured members can apply for an individually determined AAL.

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Exceptional value for money Integra Super reflects exceptional value and offers very competitive pricing. This is due to the pooling together of employees’ super, resulting in group-based rates. These rates are also made possible by ING’s size, scale and expertise.

Competitive and flexible pricing

Type of fee or cost Amount (after-tax)

Establishment Fee Nil

Contribution Fee Nil

Transfer Fee Nil

Termination Fee Nil

Member Fee Nil for account balances greater than $25,000 $51 p.a. for plans using EasyTransact. $80.75 p.a. for plans not using EasyTransact.

Withdrawal Fee $65

Administration Fee Fees are discounted on a sliding scale dependent on the total plan balance.

Amount Fee (after-tax)

First $250,000 1.10% p.a.

Next $250,000 0.90% p.a.

Next $1 million 0.70% p.a.

Next $3.5 million 0.65% p.a.

Amounts over $5 million 0.60% p.a.Investment Management Fee

0.29% p.a. to 1.53% p.a.

Flexible remuneration options

Type of fee Amount (after-tax)

Adviser Service Fee If agreed, either up to 1.00% p.a. or up to $150 p.a.

Personal Advice Fee If agreed, up to $5,000 p.a.

The above information is a summary only. For full details of fees and costs please refer to the Integra Super Product Disclosure Statement.

Family fee discounting

Employees can introduce members of their family to Integra Super. By joining as a family member, they join Integra Super Personal where they may benefit from all Integra Super has to offer, including access to insurance cover, member services and any Administration Fee discounts applicable to the plan.

Members keep many of their benefits when changing jobs

One of the benefits of Integra Super is that when members change jobs they can continue to receive many of the benefits Integra Super provides. This may include access to group based fees and insurance premiums, as well as the full range of member services they currently enjoy.

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ING makes employer super easyING offers a comprehensive range of services to assist employers when establishing and managing an employer plan. We’ll help make the plan’s transition hassle-free, deliver a time-saving online contribution service and provide support when establishing a policy committee. In addition, ING provides a range of innovative online member services, which will help members to better manage and grow their super.

Hassle-free new plan installation and transition management service

Integra Super offers a comprehensive transition management service, delivering a smooth, effective and seamless transition for all plans ensuring the plan is set up right – the first time.

Transitions are managed by highly experienced, specialist installation staff who follow a rigorous project management methodology to ensure all components of the transition are managed in a consistent, efficient and effective manner.

Simple and easy online servicing through EasyTransact

All employers with an Integra Super plan have access to EasyTransact, ING’s time-saving online superannuation servicing system. EasyTransact allows employers to take control of their super plan 24 hours a day, any day of the week:

make easy online contributions using BPAY or Direct Debit

maintain complete control over all contributions and produce Superannuation Guarantee contribution reports for employees

manage Choice of Fund obligations quickly and easily

set up new members. Update member details including address changes, contact information and provide employees’ Tax File Numbers

exit former employees

access history of transactions made online

access ING’s free super clearing service.

ING’s super clearing service – free for most plans!

Through EasyTransact employers can also access ING’s super clearing service, which reduces the administrative burden employers face if required to submit member contributions to multiple funds through multiple providers.

The EasyTransact online super clearing service works by allowing employers the flexibility to make contributions to ING’s Integra Super as well as other complying super funds chosen by employees.

We’ve produced a new online site tour that provides an employer with everything they need to know about processing contributions online – all in under five minutes!

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Want more information?

Visit ING’s Employer Centre accessible via the ‘Employers’ Info’ link at www.ing.com.au. From here employers can register for EasyTransact if they are not already, download a range of training guides and even take a site tour.

Phone the EasyTransact Support team on 1800 251 588 weekdays, between 8.30am and 5.00pm (Sydney time).

Email [email protected]

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Want more information?

Visit ING’s Employer Centre accessible via the ‘Employers’ Info’ link at www.ing.com.au. From here employers can register for EasyTransact if they are not already, download a range of training guides and even take a site tour.

Phone the EasyTransact Support team on 1800 251 588 weekdays, between 8.30am and 5.00pm (Sydney time).

Email [email protected]

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Other convenient contribution payment methods

Employers and employees can make contributions to their super account via a number of simple and convenient payment methods including BPAY, internet banking (EFT), Direct Debit or cheque.

BPAY and Internet banking (EFT) payment options can be utilised whenever employers or employees choose, 24 hours a day, 7 days a week. Unique member reference numbers and Biller Codes can be requested over the phone simply by calling 133 665 weekdays, between 8am and 8pm (Sydney time).

Account management for larger plans

To help make life easier, Integra Super offers an account management service for larger plans. Account Managers will assist with transitioning the plan, provide policy committee support, and overarching plan management.

Dedicated customer service and reliable administration support

A dedicated team of customer service consultants are on hand to provide employers with reliable administration support. This team is responsible for the day to day administration and servicing of the plan and is available on 133 665 weekdays, between 8am to 8pm (Sydney time) or online at [email protected]

Support when establishing a policy committee

ING has developed support materials for employers and members, which can be used to establish a policy committee, when a plan grows in size. The role of the policy committee is to ensure that ING is kept aware of the concerns of members and employers on an ongoing basis and is responsible for acting in the best interests of the super plan.

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Interactive tools to help members understand their super situation and get them on the path to an active and comfortable retirement.

Exclusive banking, lifestyle and entertainment discounts and special offers via InvestorBenefits Members gain convenient online access to exclusive banking, lifestyle and entertainment discounts and special offers via InvestorBenefits. Partners include:

Regular super news Updated information and news that’s relevant to Integra Super members.

Product and performance information Members can simply follow the prompts to locate all the key product and investment performance information that relates to their plan.

Pre-populated online forms A range of commonly used super forms that will automatically populate with a member’s personal details, saving time and effort.

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Our innovative and extensive range of member services Educating employees and keeping them informed about their superannuation has never been so important. Integra Super delivers a range of innovative member services that engage and empower members to help them get the most out of their retirement savings.

Online Member Super Centre - everything members need all in one convenient place

Super account access and transacting anytime via account access Similar to internet banking, members can view their super account online, monitor the status of transactions, download a transaction history, request a switch, and much more.

Interactive and online financial education tutorials A range of interactive learning modules designed to answer the most commonly asked questions about super including growing your super, investment, insurance and how much super is enough.

Calculators and seminars for investors

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AUSTRALIAN PACIFIC TOURING

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Free and easy rollover assistance service for members

An easy way for employees to increase their retirement savings quickly is to get it all together in the one place – in their Integra Super account. Consolidating super accounts is not only convenient but can mean lower fees and an easier way of keeping track of and managing super savings. Integra Super provides a free rollover assistance service to help employees transfer their super from other funds into Integra Super.

Employers can gain further information about this service simply by indicating it on their Integra Super application, from www.ing.com.au or by calling ING’s Customer Services on 133 665 weekdays, between 8am to 8pm (Sydney time).

New member set up process

All new members will receive a Member Welcome Kit upon joining. The kit provides new members with all the necessary tools needed to help set up and manage their new Integra Super account. The kit includes:

A Welcome Statement A format that is simple, clear and easy to understand. Members can confirm their personal details, the investment funds their employer plan is currently invested in, their insurance arrangements and other plan specific fee information.

A step by step installation CD and guide The guide explains how to get set up online as well as what’s available. The CD will link directly through to the registration confirmation page of the new online Member Super Centre.

A Member Card Including their Unique ID to access their account information online (a PIN is mailed separately).

Automatic online pre-registration for new members

All new members will automatically be registered for the Member Super Centre upon joining. To activate their registration, they will need to login to www.ing.com.au/member with their Unique ID (provided on their Member Card) and PIN (mailed separately).

Ongoing communications

Half yearly newsletters and improved Member Update and Annual Report Focuses on addressing the information needs and requirements of members.

Seminar and educational materials Help you provide members with information about their super.

New employee Induction Kit To help promote the employer default plan to new employees our Induction Kit is available for employers to distribute to all new employees when they start work. The kit provides a summary of what employees will receive upon joining ING, as well as helping employers meet their Choice of Fund obligations.

Changing Jobs Kit Once we have been notified by an employer that an employee’s service has ceased, a Changing Jobs Kit will be sent to that member. This kit includes a Choice of Superannuation Fund Nomination Form which the member can give to their new employer to continue to have their contributions paid into their Integra Super Personal account. We encourage employers to notify us as soon as an employee leaves so we can send a kit to them.

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Customer ServicesPhone 133 665

Email [email protected]

Address Integra Super ING Life Limited GPO Box 5306 Sydney NSW 2001

Website www.ing.com.au/member

Adviser ServicesFor use by financial advisers only

Phone 1800 804 768

Email [email protected]

ING Custodians Pty Limited ABN 12 008 508 496 AFSL 238346 RSE L0000673 347 Kent Street Sydney NSW 2000 L2

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ING Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346, RSE L0000673) (ING Custodians) is the issuer and Trustee of ING MasterFund (ABN 53 789 980 697, RSE R1001525). ING Custodians is a subsidiary of ING Australia Limited (ABN 60 000 000 779). The information in this brochure is only a summary of the features of Integra Super and is current at 1 October 2007 but may be subject to change. It must not be construed as financial or professional advice and has been prepared without taking into account your objectives, financial situation or needs. Please read the Integra Super Product Disclosure Statement and consider obtaining independent advice before making any financial decisions. For full product information including fees, charges, commissions, terms and conditions please refer to the Integra Super Product Disclosure Statement available from www.ing.com.au or by calling 133 665.

For more information on Integra Super please refer to the following: • the Integra Super Product Disclosure Statement • the Integra Super Member Update and Annual Report • www.ing.com.au/member • Customer Services on 133 665 • your financial adviser.