Employer Super Contribution 2015 – Important information and issuer information. Table of contents. 1. About ING DIRECT Benefits of ING DIRECT Living Super 3. 3.

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Employer Super Contribution 2015

1 1 Contents 1. About ING DIRECT 3 2. Benefits of ING DIRECT Living Super 3 3. How Super Insurance works 5 4. How your ING DIRECT Super Insurance Account works Investment options Fees and other costs How tax is charged on top Risks in overwriting at ING DIRECT Living Super Additional information Direct debit application Service agreement Glossary 56 Important information and issuer information Important information This product guide contains important information about ING DIRECT Living Super, SPIN TCS0012AU, USI The information is in parts of the product guide this forms part of the Product Disclosure Statement (PDS) for ING DIRECT Living Super dated 27 March Italicized terms not defined in the body of this document are defined in the glossary in section 12 of this product guide. The Trust Company (Superannuation) Limited (ABN) (trustee) issues the PDS including the product guide and Super Defined Living Fees (defined fee guide). The information in the PDS and product guide is subject to change. If the change is material, ING DIRECT Living Super members will be informed in writing. To obtain a copy of the PDS, product guide and defined fee guide or to access information about changes to these documents that are not materially adverse, please visit ingdirect.com.au or call us between 8am 8pm Monday to Friday or 9am 5pm. Saturday (AEST/AEDT). You should consider the important information in the PDS, product guide and defined fee guide before making a decision about ING DIRECT Living Super. By investing in ING DIRECT Living Super, you agree to be bound by the terms of the PDS (including the product guide), the trust deed and the rules of ING DIRECT Living Super. In the event of any conflict between this product guide and the trust deed and rules, the terms of the trust deed and rules will apply. 1 SuperRatings does not issue, sell, guarantee or endorse this product. Check for details of grading criteria. 1

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2 Warning The information in this product guide is of a general nature and does not take into account your specific investment objectives, circumstances, financial situation or needs. Also, although this product guide is up to date at the time of preparation, the rules and regulations governing pension funds may change from time to time. You should seek advice from a financial adviser before deciding to join ING DIRECT Living Super. We reserve the right to change the terms and conditions of ING DIRECT Living Super at any time as permitted by the applicable law governing superannuation funds in Australia and the terms of the trust deed. So that we can continue to meet your investment and insurance needs, we will monitor the investment options and insurance cover provided by ING DIRECT Living Super. Therefore, we may add, close or terminate investment options, replace or add new investment managers or change investment strategies, asset classes, benchmarks or ranges of investment options without prior notice to you. We can also change the insurance offer. We will notify you of any material changes to ING DIRECT Living Super in accordance with legal requirements. Any changes that are not considered relevant can be updated online at ingdirect.com.au or you can call us between 08:00 20:00 Monday to Friday or 09:00 17:00 Saturday (AEST/AEDT). Issuer / trustee This product guide is issued by The Trust Company (Superannuation) Limited ABN , AFSL , RSE L , trustee of the ING DIRECT ABN Superannuation Fund (fund). ING DIRECT Living Super is a product issued from the fund. To meet capital requirements under pension legislation, an approved guarantee of $5 million from a financial institution is beneficial to the trustee. You can inspect the approved guarantee at the trustee’s offices. ING DIRECT Promoter is a division of ING Bank (Australia) Limited ABN, AFSL ING DIRECT is the promoter of ING DIRECT Living Super. The promoter has consented (and has not withdrawn his consent) to the inclusion of statements referring to him in the form and context in which they appear. An investment in ING DIRECT Living Super is not a deposit or liability of ING Bank (Australia) Limited or any of its related corporations and none of them stand behind or guarantee the fund. Insurer The insurance cover offered by ING DIRECT Living Super is provided by MetLife Insurance Limited ABN , AFSL (insurer). The insurer has consented (and has not withdrawn its consent) to the inclusion of statements in this product guide relating to insurance in the form and context in which they appear. Investment Managers ING Bank (Australia) Limited ABN AFSL is the investment manager of managed investment options, Money Hub and Term Deposits. State Street Global Advisors Australia Limited ABN , the investment manager has appointed AFSL as a sub-investment manager of the assets of the managed investments other than the cash assets. ING Banc N.V. (Sydney Branch) The investment manager may appoint ABN , AFSL as a sub-investment manager of some of the cash assets of the managed investments, Cash Hub and Term Deposits. The investment managers and sub-managers have consented (and have not withdrawn their consent) to the inclusion of statements in this product guide relating to the investment options they manage, in the form and context in which they appear. Stockbroker The stockbroker for ING DIRECT Living Super is Australian Investment Exchange Limited ABN , AFSL , a participant of the ASX Group and Chi-X Australia, trading as CommSec Adviser Services. The stockbroker has given consent (and has not withdrawn its consent) to the inclusion of statements in this product guide relating to the stockbrokers and the related settlement services they provide in the form and context in which they appear. Custodian State Street Australia Limited, ABN , AFSL Administrator provides custody of the managed investment assets within ING DIRECT Living Super and unit prices Financial Synergy Holdings Pty Ltd ABN (administrator) provides the administration of the accounts within ING DIRECT Living Super. The administrator has consented (and has not withdrawn his consent) to the inclusion of statements in this product guide relating to administration, in the form and context in which they appear. 2

3 1. More about ING DIRECT ING DIRECT pioneered branchless banking in Australia by offering the first online high interest savings account. Its low-cost operating model enables it to pass these savings on to the customer in the form of high-value products and services such as award-winning home loans and the ING DIRECT daily transaction account. ING DIRECT is part of ING Group*, one of the world’s largest financial institutions operating in more than 40 countries. 2. Advantages of ING DIRECT Living Super One easy package ING DIRECT Living Super is a super selected product. This means you can choose how your money is invested. The diagram below summarizes the investment and insurance options available with ING DIRECT Living Super. There is one investment menu, divided into four investment categories that you can mix and match. Three insurance options and Money Hub (transaction account) all in one easy package. ING DIRECT Living Super Investment Categories Cash Hub Safe Insurance Cash & Term Deposits held ING DIRECT no fees Choose from a wide range of Smart managed investment options The first Balanced option, available to all Australians with no administration, contribution or management fees Shares Trading directly shares and securities listed on the ASX Automatic Hedging Custom Hedging Income Protection Safe investment options With ING DIRECT Living Super you can choose to invest super in investment options such as cash and Term Deposits with no fees. The Cash option pays a variable interest rate on your super savings. Term deposits pay a guaranteed interest rate for the time frame you choose, provided you hold the Term Deposit to maturity. Australia’s first choice The first Fair choice available to all Australians with no admin, contribution or management fees.** Control and flexibility View your ING DIRECT accounts, all in one place online 24×7 through ING DIRECT banking online. Pay only for the features you choose Low and transparent fees apply to additional services and features, such as managed investments, real-time stock trading, premium market research, insurance and financial advice. More information on fees can be found in section 6 of this product guide. Real time equity trading The equity investment category allows you to invest in real time in individual listed securities of the S&P/ASX 200, selected exchange traded funds (ETFs) and listed investment companies (LICs) during market trading hours. Plus, get access to market research and subscribe to world-class research. * Your investment in ING DIRECT