JR Folio WIP - CBF Furnture Catalogue by Jonathon Rann

TRAM STOP SUPALITE

TRAM STOP METROLITE

Get on board the transport super fund TWUSUPER is the largest industry super fund covering the transport and logistics industry. Low member fees and no employer fees All profits to members Strong long-term investment performance Easy administration and online access Phone: 1800 222 071 email twusfadmin@aas.com.au or visit www.twusuper.com.au

TWUS 29095

This information is of a general nature only and is not a comprehensive study. It has been prepared without taking account of any of your objectives, financial situation or needs and, before acting on the information, you should consider its appropriateness having regard to your objectives, financial situation and needs. A copy of the current Product Disclosure Statement should be obtained from us (by calling 1800 222 071 or visiting www.twusuper.com.au) and considered carefully before you make any decision in connection with TWUSUPER. When TWU Nominees and its representatives provide you with general financial product advice, they do not receive any remuneration (such as commissions) or other benefits for providing this advice to you. TWU Nominees and its representatives do not have any associations or relationships with other entities and persons which may influence the financial services that they provide to you. All the services that TWU Nominees provides are provided in TWU Nomineesâ&#x20AC;&#x2122; capacity as Trustee of TWUSUPER and, accordingly, this will have some influence on the financial services which we provide. Issued by TWU Nominees Pty Ltd ABN 67 002 835 412, AFSL 239163, RSE Licence No L0000246. TransPension is a division of TWUSUPER (Registration No R1000283).

We support Adam BanDT

What kind of world do we want for ourselves? And for our kids? Under the Howard Government, Australia has become a less fair place to live. And dangerous climate change is now just around the corner. In recent times, I have been proudly standing side by side with African Australians and speaking out against the government’s appalling statements. We must keep the door to Africa open and share this country with our families and newcomers. In Parliament, only The Greens will push for: • A $30 weekly increase in the pension; • Money to go to public schools and health care instead of to the private sector; • Getting rid of the harsh Centrelink activity tests, work requirements and assessments; • NO WAR IN IRAQ; • Ripping up WorkChoices and individual workplace agreements; and • Taking URGENT action on climate change by having a large-scale ‘renewable energy’ public works program that will create jobs. We only have 10 years to get it right on climate change, and none of the major parties have any short-term targets to cut greenhouse gas pollution. The Greens are effective, and we stand on issues of principle. We speak out on the issues that matter – like David Hicks, ‘welfare to work’ laws and the war in Iraq. Help me create a future that our children and grandchildren will be proud of. Please call me on 9328 5784 if you would like to know more.

ATION

Adam Bandt

NSL ARABIC TRA

What kind of world do we want for ourselves? And for our kids? Under the Howard Government, Australia has become a less fair place to live. And dangerous climate change is now just around the corner. In recent times, I have been proudly standing side by side with African Australians and speaking out against the government’s appalling statements. We must keep the door to Africa open and share this country with our families and newcomers. In Parliament, only The Greens will push for: • A $30 weekly increase in the pension; • Money to go to public schools and health care instead of to the private sector; • Getting rid of the harsh Centrelink activity tests, work requirements and assessments; • NO WAR IN IRAQ; • Ripping up WorkChoices and individual workplace agreements; and • Taking URGENT action on climate change by having a large-scale ‘renewable energy’ public works program that will create jobs. We only have 10 years to get it right on climate change, and none of the major parties have any short-term targets to cut greenhouse gas pollution. The Greens are effective, and we stand on issues of principle. We speak out on the issues that matter – like David Hicks, ‘welfare to work’ laws and the war in Iraq. Help me create a future our that children and grandchildren will be proud of. Please call me on 9328 5784 if you would like to know more.

Adam Bandt

NSLATIO SOMALI TRA

“Let’s make MELBOURNE GREEN”

“Adam has helped us fight against State Labor’s plans to increase the rent for single parents in public housing by up to $1,100.” Lyn Dixon North Richmond tenant

“Adam has been standing up against the recent government and media attacks on African Australians. He wants to extend the family reunion and humanitarian refugee program, and to provide support to those who have come here seeking a better life.”

“I have known Adam for many years. He strongly believes in defending the rights of working people, and has helped us protect our wages and conditions. To help protect your rights at work and to fight to stop dangerous climate change, Adam would be an excellent Member of Parliament.”

Berhan Ahmed Chairperson, African Think Tank

Peter Marshall, Secretary, Victorian Branch, United Firefighters Union

Want to contact Adam, know more or help with the campaign? Phone: 9328 5784 Email: Melbourne@greens.org.au

Web: www.greens.org.au/melbourne

Adam Bandt YOUR LOCAL GREENS CANDIDATE

“Let’s change the government and make Melbourne Green”

Greek text: YOUR LOCAL GREENS CANDIDATE Italian text: YOUR LOCAL GREENS CANDIDATE Cantonese text: YOUR LOCAL GREENS CANDIDATE Vietnamese text: YOUR LOCAL GREENS CANDIDATE Arabic text: YOUR LOCAL GREENS CANDIDATE Somali text: YOUR LOCAL GREENS CANDIDATE

What kind of world do we want for ourselves? And for our kids? Under the Howard Government, Australia has become a less fair place to live. And dangerous climate change is now just around the corner. As Liberal and Labor hand out tax cuts for the already well-off, and agree on private schools and Medicare, The Greens believe it is time to take a stand. In Parliament, only The Greens will push for: • A $30 weekly increase in the pension; • Money to go to public schools and health care instead of to the private sector; • Getting rid of the harsh Centrelink activity tests, work requirements and assessments; • Ripping up WorkChoices and individual workplace agreements; and • Taking URGENT action on climate change by having a large-scale ‘renewable energy’ public works program that will create jobs. I stand for many traditional labour values as well as new green ideas. And I will keep opposing racism, and pushing for a fair go for all Australians.

Voting 1 Green is a safe vote against Howard: your preferences go to Labor. So this election, let’s change the government and send Kevin Rudd a strong message.

Help me create a future that our children and grandchildren will be proud of. Please call me on 9328 5784 if you would like to know more.

What kind of world do we want for ourselves? And for future generations?

Under the Howard Government, Australia has become a less fair place to live. And dangerous climate change is now just around the corner.

As Liberal and Labor hand out tax cuts for the already well-off, and agree on private schools and Medicare, The Greens believe it is time to take a stand.

As a senior industrial relations lawyer, I’ve seen workers forced to give up entitlements we took for granted only 10 years ago. I have stood up for the rights of clothing workers in particular, taking many companies to court for underpaying their outworkers as little as $5 an hour.

In Parliament, only The Greens will push for: • A $30 weekly increase in the pension; • Money to go to public schools and health care instead of to the private sector; • Getting rid of the harsh Centrelink activity tests, work requirements and assessments; • Ripping up WorkChoices and individual workplace agreements; and • Taking URGENT action on climate change by having a large-scale ‘renewable energy’ public works program that will create jobs. We only have 10 years to get it right on climate change, and none of the major parties have any short-term targets to cut greenhouse gas pollution. Voting [1] Green is a safe vote against Howard: your preferences go to Labor. So this election, let’s change the government and send Kevin Rudd a strong message.

Adam Bandt

SLATION

GREEK TRAN

Senator Bob Brown

• Getting rid of the harsh Centrelink activity tests, work requirements and assessments; • Ripping up WorkChoices and individual workplace agreements; and • Taking URGENT action on climate change by having a large-scale ‘renewable energy’ public works program that will create jobs. We only have 10 years to get it right on climate change, and none of the major parties have any short-term targets to cut greenhouse gas pollution. Help me create a future that our children and grandchildren will be proud of. Please call me on 9328 5784 if you would like to know more.

Adam Bandt

CANTONESE

TRANSLATIO

Under the Howard Government, Australia has become a less fair place to live. And dangerous climate change is now just around the corner.

As Liberal and Labor hand out tax cuts for the already well-off, and agree on private schools and Medicare, The Greens believe it is time to take a stand.

• Money to go to public schools and health care instead of to the private sector; • Getting rid of the harsh Centrelink activity tests, work requirements and assessments;

Labor has no short-term targets for cutting greenhouse gas pollution: their targets are over 40 years away, by which time it will be too late. The Liberals have no targets at all. The Greens have a plan to cut greenhouse gas pollution by 30% by 2020, and 80% by 2050.

• Money to go to public schools and health care instead of to the private sector;

What kind of world do we want for ourselves? And for future generations?

• A $30 weekly increase in the pension;

Climate change emergency

• A $30 weekly increase in the pension;

What kind of world do we want for ourselves? And for future generations?

In Parliament, only The Greens will push for:

Adam Bandt

In Parliament, only The Greens will push for:

• Ripping up WorkChoices and individual workplace agreements; and • Taking URGENT action on climate change by having a large-scale ‘renewable energy’ public works program that will create jobs. We only have 10 years to get it right on climate change, and none of the major parties have any short-term targets to cut greenhouse gas pollution. Voting [1] Green is a safe vote against Howard: your preferences go to Labor. So this election, let’s change the government and send Kevin Rudd a strong message.

Adam Bandt

SLATION

N ITALIAN TRA

In Parliament, only The Greens will push for: • A $30 weekly increase in the pension; • Money to go to public schools and health care instead of to the private sector; • Getting rid of the harsh Centrelink activity tests, work requirements and assessments; • Ripping up WorkChoices and individual workplace agreements; and • Taking URGENT action on climate change by having a large-scale ‘renewable energy’ public works program that will create jobs. We only have 10 years to get it right on climate change, and none of the major parties have any short-term targets to cut greenhouse gas pollution. Help me create a future that our children and grandchildren will be proud of. Please call me on 9328 5784 if you would like to know more.

ION

E TRANSLAT

Adam Bandt

VIETNAMES

Candidate Photos

Ready for Action

CAIRNS • EARLVILLE

emergency

evacuation plan

Level 1

Wellington Emergency assembly point Equinox House, 218-224 Lambton Quay Legend Area Wardens

Extinguisher Carbon Dioxide Extinguisher Dry Chemical Powder Extinguisher

First Aid Officers

Exit Level 2

Fire Hose Reel

Safety Focus Group

Break Glass Alarm

Fire Indicator Panel Police, Ambulance, Fire

Local Doctor

Local Hospital

Fire Blanket

Borders Incident Hotline

+61 3 9625 5090

Critical incident reporting line for: • Armed Robbery • Death or Suicide • Building/Structure Collapse • Bomb Threat • Protest/Industrial Action

• Storm Damage, Fire, Flood • Serious Injury • Natural Disaster • Extortion/Product Contamination • Media Contact

safeplace

preferred

BORD120191

ChangingGear Your pension news

January, Issue 2

In this issue… Your free ‘Pension Health Check’ – valued at $250 Investment update What this means for your pension

Get a free ‘Pension Health Check’ We know that current financial uncertainty has many of our members questioning their retirement plans and wondering if they should be doing anything differently when it comes to their super. ealth ension H FREE ‘P

Check’

AT D E U L VA

$250

The ‘Pension Health Check’ is a no-cost, no-obligation telephone-based discussion with a professional financial adviser from Money Solutions (AFSL 258145). During your ‘Pension Health Check’ Money Solutions will:

4 Crunch the numbers so that you know how long your pension will last

4 Help you understand what the volatile market means for you

4 Give you strategies that will help you in managing your pension The ‘Pension Health Check’ is provided to you in addition to your free single-issue superannuation advice phone call to Money Solutions.

A representative from Money Solutions will be contacting you shortly regarding your ‘Pension Health Check’. Call us on 1800 222 071 if you would like to know more, or to let us know if you do not want to take up the offer. Money Solutions offers independent financial advice that is designed to suit your needs and circumstances. There is no agenda, or obligation for you to seek further advice or commit to a financial plan. We do not pay any commissions to Money Solutions. The Trustee is not responsible for, and does not accept liability for, the products or services or actions of Money Solutions. You should use your own judgement before taking up any product or services offered by Money Solutions.

Investment update Extreme market volatility has continued despite decisive action locally and globally to stabilise the impact of the credit crunch on financial markets. Panic selling and price instability has made the last few months extremely difficult for investors. Domestically, the RBA has taken dramatic steps to support the Australian economy by cutting official interest rates by 3% over the last four months, much of which has been passed on to homeowners. While it is disconcerting to experience the rollercoaster ups and downs of volatile markets, it’s important to keep the performance of your pension in context. The four years ending 30 June 2007 delivered

bumper performance to Australian investors and super funds — so much so, that we are now used to high double-digit returns. Faced with the shock of negative performance, it’s natural to be disappointed. The key for sound investing is to understand that negative years are a completely normal part of the investment cycle, even if the current performance is worse than we have been used to in recent years. Remember, investing your super is a constant trade-off between risk and return. It’s important not to lose perspective and make kneejerk decisions about your long-term finances, even in retirement. Visit www.transpension.com.au to read more about volatile markets and the investment cycle.

What this means for your pension Negative returns mean that pension accounts invested in our Balanced or Equity Plus investment options have decreased in value this year, instead of growing. This will have implications on your regular pension payments, because a lower total balance means that your minimum payment limit (and maximum payment limit if you have one) will change.

These limits change regularly because you are drawing down on your pension capital by taking regular payments. The change in your pension payment limit may, however, be more noticeable now than it has been previously and the new limits will mean that your pension payments will be smaller than they would be if your investment options had recorded a positive return.

Investment markets deliver a bumpy ride. In tough times, the benefits of being part of an industry super fund are even more important.

SIMPLE SOUND STRONG 4 Run only to profit members 4 Competitive fees 4 Solid performance

The personal information that TransPension collects is used to administer and correspond with you in relation to your super account, process your application and request, pay your benefits under TransPension and conduct research about how to improve our services and products. We may arrange to provide other services to you. These services may include information on other products. TransPension may arrange for a financial planner to contact you to offer to assist you with your financial planning in relation to your superannuation.

4 No commission to financial advisers

We may arrange for a service provider or the Australian Tax Office (ATO) to cross-match your personal details with other superannuation funds to help locate any other superannuation accounts in your name. If you choose not to give us your personal information, or provide us with incomplete or inaccurate personal information, we may not be able to provide you with all the benefits of TransPension and may not be able to process your claim or pay any benefits.

4 Straightforward investment choice

Unless required or authorised by law, we will only provide your personal information to authorised advisers, service providers, such as the insurer or the Fund’s administrator, or government agencies that use the information to administer your account and provide services to you or to the Trustee relating to your TransPension account.

4 Platinum rated super

You are able to gain access to your personal information or get a copy of the Fund’s Privacy Policy by asking for it. If you would like to request access to the personal information we hold about you, or want further information on how we handle personal information, please contact the Trustee (TWU Nominees Pty Ltd) using the contact details below.

TWUS 29027

Contact TransPension Phone 1800 222 071 Email pensions_team@aas.com.au or visit www.transpension.com.au TA/CH/GR 577.7 ISS2 Issued by TWU Nominees Pty Ltd, ABN 67 002 835 412, AFSL No 239163, Registrable Superannuation Licence No. L0000246, as the trustee of TWUSUPER (Registration No. R1000283). TransPension is a division of TWUSUPER.

AUCTION WEDNESDAY 17 APRIL AT 2PM ON-SITE

231-235 SMITH STREET, FITZROY (CNR MOOR STREET)

AS GOOD AS CHAPEL STREET AT HALF THE PRICE!

DTZ Australia

International Property Advisers

03 9654 3388 Level 6, 35 Spring Street, Melbourne

03 9526 1999 348 Orrong Road, Caulfield Nth 3161

AUCTION

Wednesday 17 April at 2pm on-site

231-235 Smith Street, Fitzroy (cnr Moor Street) • Four retail tenancies, two upper floors and basement. • Net income $110,000 p.a. approx. • Building area 1,650 sq metres approx. • Potential for subdivision subject to council approval (STCA). • One title Smith Street - view from Gertrude Street

Smith Street - view from Johnston Street

• Sensational corner city fringe location, close to four major banks.

DTZ Australia, in conjunction with Gary Peer and Associates, is delighted to offer for sale by Public Auction the property at 231-235 Smith Street, Fitzroy, and encourages purchasers to capitalise

upon

this

rare

“value

add”

redevelopment opportunity. Smith Street - view from Johnston Street

Comment: The ground floor comprises four retail tenancies and the upper floor is currently occupied by a restaurant/ reception, however, this may be suitable for other uses.

thoroughfare, linking Victoria Parade and Johnston Street, and through

GERTRUDE ST

REET

to the CBD, Eastern and Northern

VICTORIA ST

suburbs.

CONTACT

REET

DTZ Australia

Michelle Long Rudy Kelemen

WEBB STREET

SMITH STRE

exposure utilising Smith Street as a

231-235

NAPIER STRE ET

The property enjoys strong pedestrian

LANGRIDGE ST

0418 323 102 0419 558 803

REET

Gary Peer Phillip Kingston

0414 532 778 0414 353 547

International Property Advisers

03 9654 3388

03 9526 1999

Level 6, 35 Spring Street, Melbourne

348 Orrong Road, Caulfield Nth 3161

w w w. d t z . c o m

www.garypeer.com.au

All stated dimensions and areas are approximate. Particulars herein are for information only and do not constitute any representation by the owner or agent.

Showroom Melton Gateway

Corner Melton Highway and High Street

CVA Property Consultants

18-20 Russell Street, Melbourne, VIC, 3000

03 9654 2311

Showroom Melton Gateway

Corner Melton Highway and High Street

Join Melton Gateway > Showroom, trade supplies and fast food restaurant development > Prime corner location at entrance to Melton > Fastest growing local government area in Australia > Highway exposure with in excess of 25,000 vehicles per day > Showroom areas from 500m2 to 3040m2 > Air conditioned spaces, covered walkway > Long leases available > Completion due November 2007

For Lease Contact: Anthony Carbone Robert Cubelic

0418 318 633 0422 411 597

View property at: VR004936

Quick search ID: 4263

www.cva.net.au

CVA Property Consultants

18-20 Russell Street, Melbourne, VIC, 3000

03 9654 2311

FOR LEASE NEW DISTRIBUTION FACILITY – 6,622 sqm 96-116 Greens Road, Dandenong 000615 Greens Road_DL_v2.indd 1

10/8/07 9:34:06 AM

MELBOURNE CBD

HAM RD

Brand new!

GREENS

• B double access

HWY

HALLAM RD

DANDENONG SOUTH

• Total building area 6,622 sqm

POUND

EastLink

• E FSR sprinkler system

H FW

Andrew O’Connell 0409 944 220 Email: andrew.oconnell@ap.jll.com Ben Hegerty 0414 717 555 Email: ben.hegerty@apjll.com www.joneslanglasalle.com.au

• Warehouse area 5,977 sqm

• 10 metre springing height

NAS

PRINCES

• O ffice area 608 sqm

• C lose proximity to all major arterials

DANDENONG

M11 FW

FOR LEASE

CHELTEN

Graham Josh Kendall 0418 322 443 Email: gjk@faceyindustrial.com.au 0419 386 882 Mark Bond Email: mab@faceyindustrial.com.au www.faceyindustrial.com.au

The material herein is intended as a guide only, no liability for negligence or otherwise is assumed for the material contained herein by Jones Lang LaSalle, its principal or is servants or its agents. No material contained herein shall form the basis of or be part of any agreement and no warranty is given or implied as to the accuracy of the whole or any part of the material. Prospective tenants should not rely on the material but should make their own enquiries and satisfy themselves of all aspects of the material. Any liability by Jones Lang LaSalle, JM000618 its principal, its servants or its agents in any way connected with the brochure, whether or not such liability results from or involves negligence, will not exceed $1000.00.

000615 Greens Road_DL_v2.indd 2

10/8/07 9:34:07 AM

SALE

FOR SALE

joneslanglasalle.com.au

High-tech with street frontage UNIT 2 & 4, 2 SARTON ROAD, CLAYTON For Sale by EXPRESSIONS OF INTEREST closing xxxx xxxxxx 2007.

joneslanglasalle.com.au

LEASING

High-tech with street frontage

• Office area: 326sqm • Warehouse: 500sqm • Fully partitioned offices • Carpeted and air-conditioned • High warehouse • Two RSDs • Dual access • Street frontage • 12 cars on title • 40 ft container marshalling area For further details contact: Ben Hegerty: 0414 717 555 Email:

ben.hegerty@ap.jll.com 000643

540 Springvale Road, Glen Waverley 03 9565 6666

www.joneslanglasalle.com.au/XXXXX The marketing agents for themselves and for the owner of the property of whom they act give notice that (i) All information given in relation to this property whether contained in this document of given orally is given without responsibility. (ii) intending purchasers should satisfy themselves as to the truth or accuracy of all information given by their own inspections, searches, enquiries, advises or as is otherwise necessary. (iii) No person in the employment of the marketing agents has the authority to make or give any representation or warranty whatever in relation to this property. Boundaries shown on maps are approximates only. JLS0000103

Authorised by Dinesh Mathew, L1/377 Bourke St, Melbourne VIC 3000. Printed by STS Creative Printing Pty Ltd, ABN 22 937 894 539, 49 Lathams Road, Carrum Downs, VIC 3201.

A S â&#x20AC;&#x2122; T I E T A CLIM E G N A CH ! Y C N E G R E EM

Firefighters say: this time VOTE 1

Weâ&#x20AC;&#x2122;re filling the places that count.

SPORT EMPLOYMENT AUSTRALIA Success in business depends on finding the right person for the job. We understand sport and are the leading organisation specialising in Recruitment and Human Resources for the sporting industry. MELBOURNE TEL:

(03) 9620 2766 FAX: (03) 9620 2966

SYDNEY TEL:

(02) 8920 8660 FAX: (02) 8920 8661

CANBERRA TEL:

(02) 6282 0808 FAX: (02) 6282 0808

email: jobs@sportemploymentaustralia.com.au

www.sportemploymentaustralia.com.au

The PREMIER OF VICTORIA, the Honourable John Brumby MP, and the MINISTER FOR INNOVATION, Gavin Jennings MLC, with the Business Council of Australia invite you to attend a Forum on the National Innovation Agenda. This highly focused Forum is an opportunity for all innovation stakeholders to provide input to the direction of the National Innovation Agenda. Developing a comprehensive and effective National Innovation Agenda requires a collective approach and vision. The Forum will specifically examine the five key areas identified in the National Innovation Agenda Proposal, with specialist workshops focused on prioritising actions for each area.

DATE; Friday, 12 October 2007 9:00am for a 9:30am start. The Forum will conclude by 4:00pm. VENUE: ANZ Pavillion Arts Centre Melbourne 100 St Kilda Rd Melbourne RSVP: marlinda.soldatic@iird.vic.gov.au or call 03 9651 9281 Please RSVP by 14 September, as numbers are limited for this important event.

BPAY A quick and easy way to make payments into TWUSUPER

With Bpay you can make quick and easy payments into TWUSUPER over the phone or online – whenever it suits you. BPAY for members – make voluntary contributions 1 Make sure you are registered with your bank for internet or phone banking. 2 You’ll need TWUSUPER's Biller Code and your own unique Reference Number to direct the money to your account. You only have to get these once – the Biller Code and Reference Number remain the same for future contributions made by you. You can get these from: MemberAccess on www.twusuper.com.au (To register for MemberAccess call the Customer Service Team on 1800 222 071) OR By calling the Customer Service Team: call 1800 222 071. 3 Log in to your bank’s internet banking service, access BPAY and enter the Biller Code, Reference Number and amount you wish to transfer OR Use your bank’s telephone banking facility, access BPAY, follow the prompts and enter the Biller Code, Reference Number and amount you wish to transfer. Your payment will be processed to your account as a member contribution unless you advise us otherwise. 4 Notify us of your payment by completing and returning a Voluntary contribution payment advice form (available to download at www.twusuper.com.au or by calling 1800 222 071).

® Registered to BPAY Pty Ltd ABN 69 079 137 518

Bpay Biller code: 857664 My personal Bpay reference number: Cut out and keep your Bpay details for future payments.

✁

BPAY for employers – make SG contributions 1 Make sure you are registered with your bank for internet or phone banking. 2 You’ll need the Biller Code and your own unique Reference Number to direct the money to your account. You only have to get these once – the Biller Code and Reference Number remain the same for future contributions made by you. You can get these from: Your contribution return form OR EmployerAccess on www.twusuper.com.au (You’ll have to register if not already set-up, call the Employer Service Team on 1800 241 877 for a password) OR The Employer Service Team: call 1800 241 877. 3 Go to your bank’s internet banking service, access BPAY and enter the Biller Code, Reference Number and amount you wish to transfer OR Use your bank’s telephone banking facility, access BPAY, follow the prompts and enter the Biller Code, Reference Number and amount you wish to transfer. 4 You must lodge a record of your payment with us either by EmployerAccess, Contribution return or fax so we know who to allocate your payment to.

No tax deduction can be claimed nor SG obligation met until TWUSUPER receives the payment. TWUSUPER does not receive the payment until it has been processed by the BPAY system. Please ensure you pay the contribution into the BPAY system in sufficient time to allow it to be processed by the BPAY system and credited to our account before the cut-off date. BPAY payments made before 3:00 pm on a working day will have 24 hours turnaround if made via Westpac or 48 hours if made via a different bank. BPAY payments made after 3:00 pm on weekdays will incur an extra 24 hours delay (48 for Westpac and 72 hours for other banks). Delays will also apply if the BPAY payment was made on a weekend or a public holiday. Minimum BPAY payment is $10.00. Maximum BPAY payment is $100,000. Payments from credit cards are not available.

Issued by TWU Nominees Pty Ltd ABN 67 002 835 412, AFSL No 239163, RSE Licence No L0000246. TWU Nominees Pty Ltd is the trustee of TWUSUPER (Registration No R1000283) and the issuer of interests in it.

TWUSUPER Locked Bag 5094 Parramatta NSW 2124 Customer Service Team 1800 222 071 Employer Service Team 1800 241 877 Fax 1300 889 807 For other brochures on TWUSUPER, visit www.twusuper.com.au TW/BPAY/INF/BRCH 431.9 12/08 ISS2

TWUS 28544

Please note:

SALARY SACRIFICE

If salary sacrifice is so good, why doesn’t everyone do it? •

•

You should also note that law requires that any contributions you make, whether before-tax or after-tax personal contributions, are preserved, meaning that you cannot generally take these contributions as cash until you reach your preservation age (currently age 55) and permanently retire.

For a start, not all employers offer salary sacrifice to their employees. You should ask your pay office whether salary sacrifice is available and for more details.

Is there a limit on how much I can salary sacrifice?

Also, the tax treatment of before-tax and after-tax contributions is different so, in some cases, making before-tax contributions may not suit your investment or taxation strategy. You should seek professional advice.

Yes. The Government imposes a number of restrictions on superannuation contributions. The Government has imposed an annual cap of $50,000 on ‘concessional’ contributions. These include:

The amount and effective rate of super contributions that your employer must make on your behalf (including the required SG amount) may fall after a salary sacrifice unless your employer agrees (through your employment contract), or because the award requires, that contributions are to be made at the pre-salary sacrifice amount. This reduction may occur because the amount of your pay on which super contributions are calculated falls.

So, it is important to confirm that your employer will continue to make super contributions for you based on your pre-salary sacrifice earnings. •

•

Other benefits that are linked to the amount of your salary (such as annual and long-service leave entitlements) may also be reduced as a result of a salary sacrifice arrangement.

• •

•

contributions paid by an employer on your behalf; salary sacrifice contributions (treated as employer contributions); and contributions you make when you are self-employed (or substantially self-employed), for which you have claimed a tax deduction.

Any concessional contributions over the $50,000 cap will be taxed at the highest marginal rate plus Medicare levy. Any amount in excess of the cap will also count towards the separate cap on non-concessional contributions. A transitional concessional cap of $100,000 applies to members aged 50 and older until 30 June 2012. Note that there may be other limits on how much of your pay can be salary sacrificed (eg award minimum pay rates).

Interested? Need a form? As each employer is different, you will need to discuss salary sacrificing with your pay office. If you need it, there is a Salary Sacrifice Arrangement Agreement available from Transuper to help you come to an arrangement with your employer. Visit www.transuper.com.au or contact the Customer Service Team on 1800 808 799.

Need some help? Our Client Relations Team can help you with questions and filling out forms. Find your nearest one by calling 1800 808 799.

The information in this brochure is of a general nature only and is not a comprehensive study. It has been prepared without taking account of any of your objectives, financial situation or needs and, before acting on the information, you should consider its appropriateness having regard to your objectives, financial situation and needs. A copy of the current Product Disclosure Statement should be obtained from us and considered carefully before you make any decision in connection with Transuper. When TWU Nominees and its representatives provide you with general financial product advice, they do not receive any remuneration (such as commission) or other benefits for providing this advice to you. TWU Nominees and its representatives do not have any associations or relationships with other entities and persons which may influence the financial services it provides to you. All the services that TWU Nominees provides are provided in TWU Nominees’ capacity as trustee of Transuper and, accordingly, this will have some influence on the financial services we provide.

What’s the next step? The tax implications of making salary sacrifice contributions can be quite significant so we recommend you seek professional advice. You can access straightforward professional advice about salary sacrificing into super from Money Solutions on a flat fee-for-service basis. Money Solutions offer phone-based advice so you don’t have to make an appointment. Call us on 1800 808 799 and we’ll put you through to your own Money Coach. The Trustee is not responsible for and does not accept liability for the products or services or actions of Money Solutions. You should use your own judgment before taking up any product or services offered by Money Solutions.

Issued by TWU Nominees Pty Ltd ABN 67 002 835 412, AFSL No 239163, RSE Licence No L0000246. TWU Nominees Pty Ltd is the trustee of TWUSUPER (Registration No R1000283). Transuper is a division of TWUSUPER.

Transuper Locked Bag 5094 Parramatta NSW 2124 Telephone 1800 808 799 For other brochures on Transuper, visit www.transuper.com.au TXVB/SS/Promo 465.1 07/07 ISS3

TWUS 28753

Driving your super forward

For a comfortable retirement, the experts say that you’ll probably need around 60% to 70% of your annual working income. While the Superannuation Guarantee contributions (9%) your employer must make for you are a good start, they may not be enough. You can improve your chances for a comfortable retirement by topping up your super account with your own money – called ‘personal contributions’.

What are my options for making personal contributions? After-tax contributions (Non-concessional contributions) All Transuper members can make contributions from after-tax salary as either a regular deduction from your net pay, as a direct debit from your bank account, by cheque or Bpay . ®

Before-tax (salary sacrifice) contributions (Concessional contributions) If your employer agrees, you may be able to make contributions from your before-tax salary. This is also known as making salary sacrifice contributions. Salary sacrifice contributions must be pre-arranged through your pay office as a deduction from your gross (before-tax) pay. You should contact your pay office to confirm whether salary sacrifice is available and for further details.

® Registered to BPAY Pty Ltd ABN 69 079 137 518. Call the Customer Service Team on 1800 222 071 to register for BPAY.

Salary sacrifice contributions can increase your take-home pay! The following example assumes an annual income of $48,000 based on 2007/2008 tax rates. Let’s say you are already contributing $200 a month to Transuper from your after-tax pay and you want to know what would happen if you switch to before-tax contributions. Let’s assume your gross monthly pay is $4,000 and your marginal tax rate is 31.5% (including 1.5% Medicare levy). As the following example shows, by switching from after-tax to before-tax contributions, you can increase your monthly take-home pay by $63.

After-tax contributions Less income tax Net income Less after-tax contribution Take-home pay

What are the key tax differences? After-tax contributions (Non-concessional contributions) •

•

No tax is payable on the contribution to Transuper.

•

No tax is payable on withdrawal of the contributions.

•

$4,000 -$760

•

$3,240 -$200

•

$3,040

Before-tax (salary sacrifice) contributions Gross pay (before salary sacrifice) Less before-tax contribution

You pay income tax at your marginal rate on your earnings before making your contribution.

Before-tax (salary sacrifice) contributions (Concessional contributions)

How does take-home pay change?

Gross pay

Salary sacrifice can be a tax-effective way of investing more money in your super.

$4,000 -$200

Taxable income

$3,800

Less income tax

-$697

Take-home pay

$3,103

•

You pay no income tax on the contribution because it comes out of your gross pay. Tax is payable on the contributions to Transuper (deducted from your Transuper account) at a rate of 15%. Between ages 55 and 60, concessional contribution withdrawals over $145,000 are taxed at 15% plus Medicare levy. Concessional contribution withdrawals under $145,000 are not taxed. Once you are aged 60 and over, no tax is payable on withdrawal.

Calculate the difference online! The Government has a calculator online that can show you the difference at retirement if you make voluntary personal contributions to your super account. Visit www.fido.gov.au and click on ‘Calculators’.

15% super tax versus up to 46.5% income tax!

Why we need your Tax File Number (TFN)

Salary sacrificing means you forego part of your salary in exchange for your employer making additional super contributions on your behalf.

Under the Superannuation Industry (Supervision) Act 1993, your superannuation fund is authorised to collect your TFN, which will only be used for lawful purposes.

You pay no income tax on these contributions because they are deducted from your gross pay. But you do pay contributions tax of 15% (deducted from your Transuper account).

These purposes may change in the future as a result of legislative change. The trustee of your superannuation fund may disclose your TFN to another superannuation provider, when your benefits are being transferred, unless you request the trustee of your superannuation fund in writing that your TFN not be disclosed to any other superannuation provider.

For most people, 15% contributions tax is a more generous alternative than income tax, which is usually somewhere between 31.5% and 46.5% (including the Medicare levy). Note that you may also need to take into account the tax payable (if any) when you withdraw your super.

It is not an offence not to quote your TFN. However giving your TFN to your superannuation fund will have the following advantages (which may not otherwise apply): •

•

your superannuation fund will be able to accept all types of contributions to your account/s; the tax on contributions to your superannuation account/s will not increase; other than the tax that may ordinarily apply, no additional tax will be deducted when you start drawing down your superannuation benefits; and it will make it much easier to trace different superannuation accounts in your name so that you receive all your superannuation benefits when you retire.

ABOUT TWUSUPER

The industry super fund for transport and logistics. TWUSUPER – for employers

We can come to you (for free)

Easy payment

Members

TWUSUPER offers you flexibility and convenience in processing and paying contributions for your employees.

Contact your local Client Relations Officer to arrange a free visit to your home or workplace.

You can submit your monthly contributions in one of three ways:

NSW/ACT Michael Galey 02 9912 0730 or 0408 303 611 Michael_Galey@twusuper.com.au

1. online via EmployerAccess, our secure employer portal. Payment can be made by direct debit or Bpay® from your bank.

Rodney Nyols 02 9912 0710 or 0417 213 063 Rodney_Nyols@twusuper.com.au

2. by email and electronic data transfer. Payment can be made by cheque, Bpay® or electronic funds transfer, or

VIC/SA/TAS/NT Stephen Shelton 03 9635 5962 or 0417 203 820 Stephen_Shelton@twusuper.com.au

3. on paper, by completing a contribution return. Payment can be made by cheque or Bpay®. Ask us for a copy of our E-business booklet. It details all of your contribution payment options.

Your contacts at TWUSUPER TWUSUPER is here to help you. If you have a question about your TWUSUPER account, super in general, or choice of fund, talk to us.

Members

Customer Service Team

1800 222 071 1800 241 877

twusfadmin@aas.com.au

Website

www.twusuper.com.au

® Registered to Bpay Pty Ltd ABN 69 079 137 518

Employers

L ou Stepanoski 03 9635 5963 or 0408 294 937 Lou_Stepanoski@twusuper.com.au

QLD/WA

vonne Jones Y 07 3324 0487 or 0418 218 655 Yvonne_Jones@twusuper.com.au

Employers

To arrange a workplace visit or member seminar (both are free services), please contact your local Business Development Consultant. NSW/ACT Michael Darmanin 02 8893 1238 or 0447 668 005 Michael_Darmanin@twusuper.com.au VIC/SA/TAS/NT T heo Retsinas 03 9646 8590 or 0418 547 742 Theo_Retsinas@twusuper.com.au QLD/WA Graham Parsons 07 3324 1647 or 0402 039 179 Graham_Parsons@twusuper.com.au

TWUSUPER has come a long way since 1984 when it was established as the national superannuation fund for employees in the transport and logistics industry. We are also open to employees and employers in any industry, as well as people wishing to join as individual members.

TWUSUPER – run only to profit members TWUSUPER is run by a Trustee, which means profits go to our members and not to shareholders. As an industry super fund, TWUSUPER does not pay commissions to financial advisers. Issued by TWU Nominees Pty Ltd ABN 67 002 835 412, AFSL No 239163, RSE Licence No L0000246. TWU Nominees Pty Ltd is the trustee of TWUSUPER (Registration No R1000283). TW/PROMO/BK 226.9 09/07 ISS5

TWUS 28915

Simple, sound and super strong

3 131,624 members

3 Easy administration

3 15,789 employers

3 Personal help when you need it

3 $2.3 billion in assets at June 30 2008

3 Online tools for managing super

TWUSUPER is the industry super fund for transport and logistics. We are run only to profit members.

Simple

TWUSUPER – for members

We know that super can be complex. From joining the Fund, choosing an investment, to rolling your super together, we aim to make it easy to get your super under control. Our people go the extra mile to visit members and employers in person, so that they can answer questions and help you complete forms and paperwork. It’s all part of helping you make the most of super.

Keeping investment choice simple

Sound

TWUSUPER has a track record of solid investment performance. Super is a long-term investment, so performance should always be considered over a minimum of 3 to 5 years.

The information in this brochure is of a general nature only and any advice is general advice and is not a comprehensive study. It has been prepared without taking account of any of your objectives, financial situation or needs. Before acting on the information, you should consider its appropriateness having regard to your objectives, financial situation and needs. You may wish to seek professional advice when doing this. A copy of the current Product Disclosure Statement should be obtained from us and considered carefully before you make any decision in connection with TWUSUPER. When TWU Nominees and its representatives provide you with general financial product advice, they do not receive any remuneration (such as commission) or other benefits for providing this advice to you. TWU Nominees and its representatives do not have any associations or relationships with other entities and persons which may influence the financial services it provides to you. All the services that TWU Nominees provides are provided in TWU Nominees’ capacity as trustee of TWUSUPER and, accordingly, this will have some influence on the financial services we provide. Contact TWUSUPER Locked Bag 5094 Parramatta NSW 2124 Telephone 1800 222 071 To learn more about TWUSUPER visit www.twusuper.com.au

Superannuation law and our own internal management systems ensure that TWUSUPER and our service providers focus on best practice in business conduct, quality control, risk management, investment monitoring and compliance.

Professional advice can mean safer super

If you have $1,000 or more in your account and want to choose how it is invested, TWUSUPER offers three investment options – Cash Plus, Balanced and Equity Plus. You can choose one option or a mix that suits you. Until you make an investment choice, your super will be invested in our Balanced investment option.

Competitive investment returns

TWUSUPER’s performance to 30 June 2008* Crediting rate % pa

Strong

Year

Equity Plus

Balanced

Cash Plus

10 years

7.4*

7.5

4.5*

With $2.3 billion under management, TWUSUPER is big enough to negotiate lower fees and excellent benefits for members. Being strong is not just about financial strength. It’s also about strength in making decisions with your needs in mind. As an industry super fund, we stand by our members, by keeping our fees low and not paying commissions to advisers.

5 years

11.7

9.5

3.9

3 years

8.9

7.5

4.0

1 year

-9.8

-6.6

3.1

*Our Equity Plus and Cash Plus investment options were established in 1999. Therefore, the Equity Plus ‘10 year’ compound average rates is calculated over 9.75 years, and Cash Plus over 9 years.

Insurance cover Having quality insurance cover is important, so make sure you know what you are automatically covered for when you join the Fund, and look into extra cover for even more peace of mind. TWUSUPER offers a range of flexible insurance options to members at competitive prices. Eligible members receive basic death, terminal illness and total and permanent disablement (TPD) cover when they join the Fund. You can also top-up your cover with voluntary death and terminal illness cover, or voluntary death, terminal illness and TPD cover. We also offer income protection insurance.

Too young to plan for your retirement, or think you left it too late? Think again. Planning ahead is always worthwhile, and it can make a big difference down the road. As a member of TWUSUPER, you are entitled to a FREE (no cost, no obligation) single-issue superannuation advice phone call with Money Solutions*. Money Solutions can help you make the most of the earning power of your super now, so you can enjoy the benefits later. Just like TWUSUPER, Money Solutions does not take commissions. Advisors work on a flat fee-for-service basis – so you know that they are focused on recommending strategies that work for you.

Super for life TWUSUPER has a super solution to suit your needs. You can stay with us when you change jobs or leave the transport and logistics industry, or even when you retire.

Access to low-cost banking products TWUSUPER’s association with Members Equity Bank* means that you have access to a range of competitive banking products, including: •

low-interest home, business and personal loans

•

a low-interest credit card.

Call Members Equity Bank on 131 563. *The Trustee is not responsible for and does not accept liability for the products or services or actions of Money Solutions or Members Equity Bank. You should use you own judgement before taking up any product or service offered by Money Solutions or Members Equity Bank.

VICTORIAN REAL ESTATE DIVISION Real Estate Sale Engagement Particulars of Engagement AGENT ADDRESS

______________________________________________________________ Attention: ________________________ _______________________________________________________________________________________________ _______________________________________________________________________________________________ _______________________________________________________________________________________________ _______________________________________________________________________________________________ Telephone: ___________________ Fax: ____________________ Email: ____________________________________

VENDOR

_______________________________________________________________________________________________

ADDRESS

_______________________________________________________________________________________________ _______________________________________________________________________________________________ _______________________________________________________________________________________________ _______________________________________________________________________________________________ Telephone: ___________________ Fax: ____________________ Email: ____________________________________ _______________________________________________________________________________________________

PROPERTY

_______________________________________________________________________________________________

DETAIL

_______________________________________________________________________________________________ _______________________________________________________________________________________________

TYPE OF ENGAGEMENT: General Sale Complete Schedule A

Exclusive Sale Complete Schedule B & C

Property is being sold

with vacant possession

Upon payment of

full purchase price

Vendors Asking Price

Auction Complete Schedule B & C

subject to tenancy full deposit

the sum of

__________________

$ ___________________________ payable in ____________ days

Agents Estimate of Selling Price Note: this is the Agentâ&#x20AC;&#x2122;s opinion and is not a valuation. If a price range is specified, the difference between the upper and lower amounts cannot be more than 10% of the lower amount.

Commission

______________________ or between

______________________ plus GST

$ ____________________ and $

____________

____________________

Or calculated as follows

______________________

The Vendor acknowledges having been informed by the Agent, before signing this Authority, that the Agentâ&#x20AC;&#x2122;s Fees and the Marketing Expenses are subject to negotiation.

Dollar amount of Estimated Commission

Plus ______________________ GST of

Marketing Expenses (plus GST) Advertising Other expenses + GST TOTAL

$ $ $ $

______________ ______________ ______________ ______________

if sold at ___________________ a price of

Plus GST

*$ ___________________

IMPORTANT NOTICE FOR VENDORS A rebate includes any discount, commission, or other benefit, and includes non-monetary benefits. It is illegal for an Agent to keep any rebate they receive for advertising or other outgoings purchased by the Agent on you behalf. Section 48A of the Estate Agents Act 1980 requires the Agent to immediately pay you any rebate they receive in relation to the sale of your property.

Date of this Agreement: ______ /_______ / ___________ Signed by or for the Agent: _________________________ Signed by or for the Vendor: _____________________________

General Conditions 1.

Meaning of Expressions - unless inconsistent with the context, the following definitions apply to this Engagement which includes any attachments. 1.1

“Act is the Estate Agents Act 1980 (as amended).

1.2

“Agent” includes any licensed agent or any agent’s representative employed by the Agent.

1.3

“Engagement” includes “agreement” and/or “authority” and the words “appoint” and/or “appointed” shall have corresponding meanings in the same situations.

1.4

“Binding Offer” is an offer on the terms set out in the Particulars of Engagementt which, if obtained in compliance with this Appointment, would (or does) result in a contract enforceable against the Purchaser.

1.5

“Introduced to the Property” means that the person was made aware that the Property was available to purchase irrespective from whatever source. Without limiting the foregoing a person shall be deemed to have been introduced to the Property by the Agent if the person became aware that the Property was available for purchase as a result of viewing, hearing or reading any advertisements of whatever nature or medium or any boards, placards, or other literature referring to the availability of the Property that were connected to the Agents in any way.

1.6

“Person” includes a corporation, institution, unincorporated body, incorporated association and any group of persons and/or any agent or associate of a person or any person appointed by the original person to take the place of the original person.

1.7

“Price” means the Price at which the Vendor signs a Contract of Sale to sell the Property

1.8

“Professional Fees” are the total of the “Agent’s Commission” and the “Marketing Expenses” (as duly authorised and expended).

1.9

“Property” means “Real Estate” as defined in Section 4 of the Act.

1.10

“Purchaser” means the person to whom the Property is sold.

1.11

“Sale” is the result of obtaining a Binding Offer and “sell” and “sold” have corresponding meanings in the same situations.

1.12

“Professional Fees” are the total of the “Agent’s Commission” and the “Marketing Expenses” (as duly authorised and expended).

1.13

“Property” means the “Real Estate” as defined in Section 4 of the Act.

1.14

“Purchaser” means the person to whom the Property is sold.

1.15

“Sale” is the result of obtaining a Binding Offer and “sell” and “sold” have corresponding meanings in the same situations.

1.16

“Taxes” (define)

2.1

The Agent is irrevocably authorised to deduct from any deposit monies received all Professional Fees properly incurred by the Agent and any State or Federal Taxes required to be deducted by law, including (but not limited to) any goods and services tax or other consumption tax. This authorisation may only be modified with the written consent of the Agent.

2.2.

If the Property is sold and no deposit is received by the Agent the Vendor will pay the Professional Fees on demand including any State or Federal Taxes, including (but not limited to) any goods and services tax or other consumption tax.

2.3.

Marketing Expenses will be payable to the Agent upon demand. Upon the conclusion of this Agreement, the Agent will provide the Vendor with an itemised list of the Marketing Expenses and Taxes expended or payable.

2.4.

If this Authority requires the Vendor to pay reimburse or contribute to an amount paid or payable by the Agent in respect of an acquisition from a third party to which the Agent is entitled to an input tax credit (as defined in the GST legislation) the amount for payment reimbursement or contribution will be the GST exclusive value of the acquisition by the Agent plus the GST payable in respect of that supply but only if the Agent’s recovery from the Vendor is a taxable supply under the GST legislation.

Agent’s Entitlement to Commission Agent’s Fees will be payable by the Vendor upon the Sale of the Property by the Agent or where the Agent is the effective cause of the sale by the Vendor to the Purchaser (but not if another agent holds an exclusive engagement at the time of the Sale and that authority provides that the Vendor is liable to pay Professional Fees).

The Estimated Selling Price is given in accordance with Section 47A of the Estate Agents Act 1980 and is the amount the Agent or the Agent’s Representative believes, on the basis of his or her experience, skills and knowledge, that a willing but not anxious buyer would pay for the real estate. If a price range is give, it is the range within which the amount is likely to fall. The Estimated Selling Price is an estimate only and is not a valuation. If a price range is given, the difference between the upper and lower limits of the range must not exceed 10% of the amount of the lower limit of the range. Nothing in the Act requires the Agent’s Estimated Selling Price and the Vendor’s reserve or asking price to be the same amount. Penalties apply to an Agent or Agent’s Representative making false representations as to their estimate of the selling price.

Making of Complaints Any complaint relating to commission or outgoings can be made to the Director of Consumer Affairs Victoria (CAV), Level 3/452 Flinders Street, Melbourne, Victoria, 3000. Telephone (030 9627 6051.

If this Appointment is made by a mortgagee for an auction which is cancelled 5.1

Within fourteen (14) days from the date of this Appointment the Vendor will pay the Agent the total of the Marketing expenses and one quarter (1/4) of the Agent’s Fees payable on:

5.1.1

any price set out, or

5.1.2

the amount owing to the Vendor under the mortgage whichever is the higher sum.

5.2

after fourteen (14) days from the date of this Appointment but on or before the Auction Date the Vendor will pay the Agent the total of the Marketing Expenses plus the Agent’s Fees calculated in the manner referred to in sub-clause 5.1

At the request of the Vendor, the Agent may sign on behalf of the Vendor, a Contract of Sale which contains the terms of sale agreed to by the Vendor.

7.1

Exclusive Engagement “Continuing Engagement Period” means the stated number of days (if any) listed as the Continuing Engagement Period in the Particulars of Appointment which period commences immediately upon the expiry of the Exclusive Authority Period.

7.2

“Exclusive Authority Period” means the stated number of days listed as the Exclusive Engagement Period in the Particulars of Appointment commencing from the Auction Date.

7.3

The Vendor reserves the right to refuse any Binding Offer made between the date of this Engagement and the date of the auction by any person to purchase the Property and the Vendor will not be liable for the Agent’s Fees if the Vendor refuses the offer between those dates even if the Agent may have “sold” the Property within the definition of that word.

VICTORIAN REAL ESTATE DIVISION Real Estate Sale Engagement

SCHEDULE A - General Engagement Agent’s Entitlement to Commission. Agent’s Fees will be payable by the Vendor upon the Sale of the Property by the Agent or where the Agent is the effective cause of the sale by the Vendor to the Purchaser (but not if another agent holds an exclusive authority at the time of the Sale and that authority provides that the Vendor is liable to pay Professional Fees).

SCHEDULE B - Exclusive Sale and Exclusive Auction Engagements Exclusive Authority Period

Days from the date of this Agreement

Continuing Authority Period

Days from the end of the Exclusive Authority Period

Agent’s Entitlement to Commission. 1. The Agent will endeavour to sell the Property in consideration for which the Vendor agrees to pay the Agent the Agent’s Commission on the terms of this Authority if the Property is sold. (i) during the Exclusive Authority Period by the Agent or by any other person (including the Vendor or another Agent) for the Price and upon the above conditions; or (ii) during the Continuing Authority period by the Agent; or (iii) to a person introduced to the property by the Agent before the Vendor signed this appointment; or (iv) within 120 days after the expiration of the Exclusive Authority Period for the Price to a person introduced to the property by the Agent within the Exclusive Authority Period and to whom, as a result of the introduction, the Property is sold. Items 1 (ii), (iii) and (iv) shall not apply where the Vendor has incurred a liability to pay Agent’s Commission under any Exclusive Agency agreement signed by the Vendor with another Agent after the expiration of the Exclusive Authority Period. Continuing Authority Period. If the property is not sold during the Exclusive Authority Period and a Continuing Authority Period is stated in the Particulars of Appointment then the Vendor appoints the Agent to sell the property on a Non-Exclusive Agency basis for the period stated in the Continuing Authority Period. The Vendor may terminate or delete the Continuing Authority Period at any time by written Notice to the Agent. Agents Entitlement to Commission is still applicable to this Authority even if the Continuing Authority Period does not apply or ceases. In consideration of the Agent agreeing to endeavour to sell the property the Vendor will pay the Agent the Agent’s Commission if the Property is sold by the Agent for the Price at any time during the Continuing Authority Period except where the Vendor has incurred a liability to pay the Agent’s Commission under any Exclusive Agency agreement signed by the Vendor with another Agent after the expiration of the Exclusive Authority Period shown in this Authority. If no Continuing Authority Period is stated in the Particulars of Appointment the Authority lapses (subject to Item 1 (ii), (iii) and (iv) above) at the expiration of the Exclusive Authority Period shown in this Authority.

SCHEDULE C - EXCLUSIVE AUCTION ENGAGEMENTS Auction Date

Time of Auction

am / pm

Rules The Vendor agrees the only rules that will apply to the conduct of the auction shall be the Rules set out in Schedule 1 of the Sale of Land Regulations 2004, or any rules prescribed by regulation which modify or replace those Rules. Vendor or Dummy Bidding The vendor acknowledges being made aware by the Agent that it is an offence under the Sale of Land Act 1962 for the Agent or the Vendor, or any other person on behalf of the Vendor, to engage in undisclosed vendor bidding or to procure the services of a dummy bidder. The Vendor acknowledges the Vendor’s obligations relating to dummy bidding and will not breach these obligations. Authority Period Section 54(1) of the Estate Agents Act 1980 provides that: If an agreement stating that an estate agent is to act as the sole agent for the sale of any real estate or business does not state when the sole agency is to end, the sole agency ends: (a) in the case of a sale by auction, 30 days after the date of the auction. (b) In any other case, 60 days after the date the agreement is signed by, or on behalf of, the seller of the real estate or business.

Signed by or for the Agent: _________________________ Signed by or for the Vendor: _____________________________

VICTORIAN REAL ESTATE DIVISION Real Estate Sale Engagement

Level of Service The Vendor acknowledges that the level of services to be provided by the Agent has been negotiated and is *attached or *as follows (*delete, if does not apply). __________________________________________________________________________________________________________ __________________________________________________________________________________________________________ Notice of Commission Sharing (if applicable) IMPORTANT NOTICE FOR VENDORS If the Agent has agreed to share the Commission that will be payable for selling your property, you must be given this Notice of Commission Sharing before you sign this Authority. This Notice shows details of all other people who will share in the Commission.

Name and Address of Person with whom Commission is to be shared

Description of such person

Amount or Proportion of Commission to be shared

Vendor Acknowledgements 1. The Vendor is obliged to pay the Agent: (a) the Marketing Expenses incurred during the currency of this Agreement WHETHER OR NOT A SALE TAKES PLACE. (b) The Marketing Expenses

* upon signing this Authority OR

* upon written demand

2. The Vendor is obliged to pay the Agent the Agentâ&#x20AC;&#x2122;s Commission in accordance with Item 1 if the Vendor sells the property during the Exclusive Authority Period (if applicable). 3. The Vendor signed this Agreement before signing binding Contract for the sale of the Property. 4. When signing this Agreement the Vendor received a counterpart from the Agent. *complete as appropriate whenever asterisk (*) appears

Sales Agreements Privacy Act (Commonwealth) 1988 Collection Notice Your Estate Agent uses personal information collected from you in order to act as your agent and to perform the Agentâ&#x20AC;&#x2122;s obligations under this Agreement. Your Agent may also use such information collected to promote their services and/or seek potential clients. Your Estate Agent may disclose such information by use of the internet or otherwise, to other parties including media organizations, potential buyers, clients of the Agent (both existing and potential), parties engaged to evaluate the property or business (as the case may be), solicitors, tradespeople, bodies corporate, financial institutions, government and statutory bodies, and third parties as required by law. Your Agent will only disclose information in this way to other parties as required to perform their duties under this Agreement, to achieve the purposes specified above, or as otherwise allowed under the Privacy Act. If you would like to access this information, you can do so by contacting your Agent at the address and contact numbers contained in this Agreement. You can also correct this information if it is inaccurate, incomplete or out of date. Real Estate and Tax law requires some of this information to be collected. If the information is not provided, your Agent may not be able to act effectively on your behalf, or at all.

Signed by or for the Agent: _________________________ Signed by or for the Vendor: _____________________________

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Sheer Indulgence Mothers deserve all the luxuries life can offer. So whether you are a mother, or you have one, indulge yourself, or her, in SensĂŠâ&#x20AC;&#x2122;s Gentle Daily cleanser, Hydrating Toner, Daytime Protective Emulsion, and Night Renewal, all packaged in a frosted presentation bag. RRP AUST: RRP NZ:

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Streamline super. Save fees. Simple.

The more superannuation accounts that you have, the more fees you pay and the harder it is to keep track of your savings.

Pull all your super together and cut the fees by completing the attached form. Then leave it to us. We will organise for your other super to be rolled into your legalsuper account.

LEGS 27230 rollover brochure_03.1 1

Step 1: complete Sections 1, 2 & 4 of the attached Transfer of Superannuation into legalsuper form Step 2: tear off the form, moisten the edges and fold as indicated Step 3: put the form in the mail (no stamp required)

We do the work for you

We will then contact your other super fund and organise the closure of your account with them and for its transfer to legalsuper.*

legalsuper will write to you confirming when we have received the transfer. We will invest the transferred amount in the same way as your current legalsuper account unless you request otherwise.

If you have more than one fund that you’d like to transfer, either photocopy this form or call legalsuper on 1800 060 312 and we’ll send you another form.

* Note: You should consider any implications before instructing another super fund to transfer your account into legalsuper. By closing the account, you are likely to forfeit any insurance cover available in the other fund. Some funds may also charge you an exit fee. Mrs

Postcode

Miss

Postcode

361.5 0606 2 1

Date (dd/mm/yyyy)

Member’s signature

• I authorise legalsuper to make arrangements with the transferring fund nominated above to have my superannuation transferred into my account with legalsuper and acknowledge that this authorisation is irrevocable. • On payment from the transferring fund to legalsuper, I discharge the trustee of that fund from any further liability to me in respect of my superannuation benefit. • I approve the deduction of transfer fees (if applicable) by the transferring fund from the benefit transferred to legalsuper. • I request any contributions received by the transferring fund after payment of my benefit to legalsuper be redirected to my account in legalsuper.

4. Authorisation

The personal information that you have provided on this form will be used to transfer your nominated benefit to legalsuper. legalsuper will also use this information to verify that the personal information that it already holds is correct. If you do not provide the information, legalsuper will not be able to process your request. By sending legalsuper personal information about yourself, you agree that you have read legalsuper’s Policy for management of personal information and understand how legalsuper uses and discloses the personal information. To access the Fund’s policy and your personal information, or to make an enquiry about any aspect of your Fund membership, please call legalsuper on 1800 060 312, visit legalsuper’s website at www.legalsuper.com.au or write to legalsuper at GPO BOX 4952, Melbourne VIC 3001.

3. Management of Personal Information

Date left employer (dd/mm/yyyy)

Name of employer contributing to the previous Superannuation Fund

Approximate value of benefit

Membership Number in previous Superannuation Fund

State

Suburb/Town/City

Previous Fund Street Address/PO Box Number

Name of Administrator of previous Superannuation Fund

Issued 1 July 2007 Legal Super Pty Ltd. ABN 37 004 455 789 AFSL 246315 RSE L0002585 R1056501

Name of Superannuation Fund (from where my super is to be transferred)

I request that benefits held in my previous superannuation account (as noted below) be transferred to legalsuper.

2. Details of other Fund

Occupation

Telephone (mobile)

Telephone (home)

Telephone (work)

State

Suburb/Town/City

Street Name

Street/Unit No.

Date of Birth (dd/mm/yyyy)

Given Names

Surname

Employer Name

legalsuper Membership Number

Return this completed form to: legalsuper Gpo Box 4952 Melbourne vic 3001 DX145 Melbourne Phone: freecall 1800 060 312 Fax: freecall 1800 614 431 Email: mail@legalsuper.com.au Superannuation Fund telephone number

$$ $AVE fees. Simple.

1. Current personal details

3 simple steps

• Please complete a separate form for each fund. • We will confirm when your transfer has been received by legalsuper. • Attach a copy of your Driver’s Licence or photo/details of your passport.

a specialist fund for the legal profession competitive long-term returns a range of nine investment options straightforward, competitively priced insurance good value from low fees super that you can take with you throughout your career

Please use block letters and black ink when completing this form. This request will be invalid if unsigned by the member.

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Transfer of Superannuation into legalsuper

www.legalsuper.com.au

legalsuper – your smart super option:

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amline It’s easy to stre all of your super with legalsuper moisten here

20/8/07 1:45:45 PM

LS/TRANS/IN L/STCK/REV/ 361.5 06/06 ISS2 LEGS 27230

Changes to this artwork not complying with cancellation of your Reply Paid service. Reply Paid Service Guidelines may result in cancellation of your Reply Paid service.

WARNING No print content can appear in the bottom 20 mm of the front or rear of the article. Changes to this artwork not complying WARNING with No print content can appear in the bottom 20 mm of the front or rear of the article. Reply Paid Service Guidelines may result in

Detach here, moisten, fold and mail

elope Paper Requirements: 5 to 100gsm; and, fN; 0.08 to 0.18 mm; .achine direction of 3 mN; and, ross direction of 1.5mN.

date: 10/11/2005 09:20:24 date: 10/11/2005 09:20:24

Note: All components must be printed. The artwork components must not be re-scaled. Re-scaling will create Note: All components must be printed. processing problems. The artwork components must not be re-scaled. Re-scaling will create processing problems.

Sender

ents:

ilename: D9189138300195210N051110.pdf Filename: D9189138300195210N051110.pdf

Legalsuper - Administration - Administration Reply Paid Legalsuper 4952 Reply Paid 4952 MELBOURNE VIC 8060 MELBOURNE VIC 8060

Delivery Address: GPO Box 4952 Delivery Address: MELBOURNE VIC 8060 GPO Box 4952 MELBOURNE VIC 8060

ont colour: Black only idth: 95 mm X Length: mm Black only Font 210 colour: Width: 95 mm X Length: 210 mm

sponsibility to check that the artwork is correct, please check the delivery address details and the addressee details below the barcode. Contact Australia Post if any changes are e: the customer's responsibility to check that the artwork is correct, please check the delivery address details and the addressee details below the barcode. Contact Australia Post if an orrect ired. addressing and formatting standards will result in higher customer charges or cancellation of service. id Guide or visitaddressing www.auspost.com.au/replypaid reService to adhere to correct and formatting standards will result in higher customer charges or cancellation of service. work details Postwww.auspost.com.au/replypaid is not responsible for any errors. r to the Reply thoroughly. Paid ServiceAustralia Guide or visit se check the artwork details thoroughly. Australia Post is not responsible for any errors.

LEGS 27230 rollover brochure_03.2 2

Put all super

with legalsuper and save $ $ $ $

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How to contact legalsuper

Phone 1800 060 312 Fax 1800 614 431 Email mail@legalsuper.com.au Web www.legalsuper.com.au Mail GPO Box 4952 Melbourne VIC 3001, or DX 145 Melbourne

20/8/07 1:45:54 PM