This information has been prepared without taking account of your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness, having regard to your objectives, financial situation and needs.

*Source of 47% less statement: Super Ratings Pty Ltd, commissioned by BT and based on information as at 30 May 2010 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. When we buy or sell investments in BT Super for Life we incur transaction costs. These transaction costs included stamp duty, brokerage and costs incurred when buying and selling units in underlying investment funds. Part of these costs are met by the buy/sell spread. It is not a fee paid to us but it is an additional cost to you when you add, withdraw or switch investment options. You should consider these costs when making any investment decisions. The estimated buy/sell spread can be found in the Product Disclosure Statement (PDS).

** There is no charge for accepting any rollovers, however before requesting the rollover, you should check with your other fund/s to determine whether there are any exit fees for moving your benefit, or other loss of benefits (e.g. insurance cover).

BT Funds Management Limited ABN 63 002 916 458 is the issuer of interests in the BT Super for Life (Fund). A Product Disclosure Statement (PDS) and Financial Services Guide (FSG) is available by calling 1300 653 553. You should obtain and consider the PDS and FSG before deciding whether to acquire, continue to hold or dispose of interests in the Fund. An investment in BT Super for Life is not an investment in, deposit with or any other liability of Westpac Banking Corporation ABN 33 007 457 141 (Westpac), St. George Bank or BankSA (which are Divisions of Westpac), or any other company in the Westpac Group.  It is subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested.  Neither Westpac nor any other company in the Westpac Group has issued, stands behind or otherwise guarantees the capital value or investment performance of BT Super for Life.