BT Funds Management Limited ABN 63002916458 issues BT Super for Life ABN 39827542991. Obtain and consider the PDS, available at bt.com.au, having regard to your objectives, financial situation and needs before deciding whether to join the fund. Westpac Banking Corporation ABN 330074571411 (WBC) doesn't stand behind or otherwise guarantee the capital value or investment performance of the product. © WBC. Terms and conditions apply. Visit bt.com.au. NSW LTPS/11/10307 VIC 11/2322 ACT TP 11/04402.1 SA T11/2345

*Source of 45% less statement: Super Ratings Pty Ltd, commissioned by BT and based on information as at 30 September 2011 and on a survey of average fees of a sample of retail personal super funds for an account balance of $50,000 and $5,000 contribution p.a. Fees may change in the future which may affect this outcome.