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ANZ OneAnswer Allocated PensionApplication Form
1 June 2003
An investment in ANZ OneAnswer Allocated Pension is neither a deposit nor a liability of:
> Australia and New Zealand Banking Group Limited ABN 11 005 357 522 or any of its related corporations (ANZ Group)
> INGA, ING Bank (Australia) Limited ABN 24 000 893 292 (ING Bank), ING Investment Management Limited ABN 23 003 731 959(INGIM) or any other company in the ING Group (ING)
other than ANZ Life Assurance Company Limited ABN 63 008 425 652 (ANZ Life).
In the application forms, the terms, ‘ANZ’ and ‘us’ refers to ANZ Life.
The invitation to invest in the ANZ OneAnswer Allocated Pension investment funds in the PDS accompanying the application formis only available to persons receiving the PDS in Australia. It is not made, directly or indirectly, to persons in any other country.
ANZ Managed Investments LimitedABN 61 004 392 269347 Kent StreetSydney NSW 2000
Telephone 13 38 63Website www.anz.comEmail [email protected]
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ANZ OneAnswer Allocated PensionApplication Form Dated 1 June 2003
How to invest
To make your investment in ANZ OneAnswer Allocated Pension:
1 Complete all relevant sections and sign the application forms (use crosses in boxes marked with an ‘x’).
2 Where contributing money (rather than rolling over) to the ANZ OneAnswer Allocated Pension this must be done via an ANZ (orother complying) superannuation fund, rollover fund or Retirement Savings Account.
3 Complete the ‘Transfer Service’ application form to enable the rollover of unrestricted non-preserved Eligible TerminationPayment(s) required to purchase the ANZ OneAnswer Allocated Pension. If you wish to initiate the rollover(s) yourself, yourapplication form must include clearly marked copies of the documentation that you have sent to the other financial institution.Where the rollover is from an eligible ANZ/ING product, please send all documentation to us in all instances.
4 All cheques should be made payable to ‘ANZ Life Limited’.
5 Forward your completed application form and ‘Tax File Number Declaration’ form to your financial adviser, any ANZ branch or ANZ Life, GPO Box 4028, Sydney NSW 2001. Cheques may be deposited at any ANZ branch using the deposit slip attached to thisapplication form.
The only means of applying for ANZ OneAnswer Allocated Pension is by completion of the application form attached to a currentPDS. The PDS may be withdrawn and/or replaced at any time. Applications made on a withdrawn PDS will be declined.
MICR NUMBER
AGENT CODE
TOTAL
Amount ofcheque
CASH
PITT & HUNTER STS BRANCH 68 PITT ST SYDNEY NSW 012003
NO CASH ACCEPTED
Australia and New Zealand Banking Group Limited CREDIT
/ /
(With recourse on all documents. Proceedsof cheques etc unavailable until cleared. Accepted on the condition that any marking specifying thatthe deposit is to be applied to a particular drawing isnot binding on ANZ. ANZ is not responsible for delaysin transmission if lodged at another bank or branch.)
$
$
$
DEPOSIT SLIP
For credit of
ANZ Life Assurance Company Limited ABN 63 008 425 652
TELLERS INITIALS
DRAWER BANK BRANCH
CUSTOMER NAME
60
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Before you sign this application form, the Trustee or financial adviser is obliged to give you a Product Disclosure Statement (PDS)which accompanies this application form. The PDS will help you to understand the product and to decide whether it is appropriateto your needs. Please ensure that you have read the entire PDS (consisting of Part One and Part Two). If you have received thisapplication form electronically, we will provide a paper copy of the PDS and this application form free of charge on request.
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Details of cheques, etc to be completed by customerDrawer Bank Branch Amount
1
2
3
4
5
6
7
8
$
This section of the page hasbeen left blank intentionally
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1. Applicant details
Title Mr Mrs Ms Miss Dr Other
Surname
Given name(s)
Male Female Date of birth
Address
State Postcode
Telephone Home Business
Mobile Facsimile
Postal address
State Postcode
YYYYMMDDXX
XXXXX
ANZ OneAnswer Allocated Pension Application Form
Dated 1 June 2003
Customer ID no. Special instructions
See attached See page 7 XX
Adviser’s Stamp
(if different from above)
2. Fee structures
Please select one of the following fee structures: Entry Fee option Nil Entry Fee option
Note: An application cannot be processed unless an option is nominated
XX
3. How will your investment be made?
Please also complete section 4
Transfer from non-ANZ/ING product only Fund manager(Please also complete form on page 11)
Rollover 1 $ , .
Rollover 2 $ , .
Rollover 3 $ , .
Transfer from ANZ/ING product only Policy/Member number
Amount 1 $ , .
Amount 2 $ , .
Transfer from other ANZ/ING superannuation products onlyDo you intend to claim a tax deduction on any contributions?
Yes If yes, how much? $ , . No
Financial year ending
Note: Only self-employed or substantially self-employed people may claim a tax deduction for personal contributions made to a superannuation fund no later than 28 days following the month in which they turn 70. If you are unclear about your self-employment status, please consult a qualified taxation adviser. This forms a notice under 82AAT(1A) of the Income TaxAssessment Act 1936 to the Trustee of your fund for the relevant financial year.
XX
X
X
ANZOAAP06/03
A Supplementary Product Disclosure Statement was issued on 10 September 2003. You should read thissupplement in conjunction with the PDS prior to making an application for this product so that youunderstand the changes that have been made to the product. L2170/0903
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4. How are the amounts to be invested and income payments made?
Fund name Initial investment Income payment†
Minimums: initial $20,000 (Entry Fee option) and Please pay my income
$30,000 (Nil Entry Fee option), $250 per investment fund from the following options
Please specify the dollar amount, or percentage, (ensure the total equals 100%)
if specific amount is unknown.
ING
ING Cash (PE10, PN10) $ , . or % %
ING Mortgages* (PE11, PN11) $ , . or % %
ING Capital Guaranteed (PE01, PN01) $ , . or % %
ING Diversified Fixed Interest (PE15, PN15) $ , . or % %
ING Income (PE02, PN02) $ , . or % %
ING Conservative (PE03, PN03) $ , . or % %
ING Income Plus (PE07, PN07) $ , . or % %
ING Balanced (PE04, PN04) $ , . or % %
ING Tax Effective Income (PE08, PN08) $ , . or % %
ING Managed Growth (PE05, PN05) $ , . or % %
ING Active Growth (PE09, PN09) $ , . or % %
ING Property Securities (PE12, PN12) $ , . or % %
ING Blue Chip Imputation (PE14, PN14) $ , . or % %
ING Australian Shares (PE13, PN13) $ , . or % %
ING Sustainable Investments – $ , . or % %Australian Shares (PE17, PN17)
ING Global Sector (PE16, PN16) $ , . or % %
ING New Asia Shares (PE18, PN18) $ , . or % %
ING High Growth (PE06, PN06) $ , . or % %
Optimix
Optimix Enhanced Cash (PE23, PN23) $ , . or % %
Optimix Australian Fixed Interest (PE24, PN24) $ , . or % %
Optimix Capital Stable (PE19, PN19) $ , . or % %
Optimix Moderate (PE20, PN20) $ , . or % %
Optimix Growth (PE21, PN21) $ , . or % %
Optimix Australian Property Securities $ , . or % %(PE26, PN26)
Optimix Australian Shares (PE25, PN25) $ , . or % %
Optimix Global Shares (PE27, PN27) $ , . or % %
Optimix Global Smaller Companies $ , . or % %Shares (PE28, PN28)
Optimix High Growth (PE22, PN22) $ , . or % %
† If no selection is made, your income payments will be made in the same proportions as the investments funds chosen.* Income payments are limited to the same percentage as the initial investment.
Pre 1994 income streamsDoes the purchase price arise directly from the commutation or residual capital value of an allocated pension, allocated annuityor immediate annuity which commenced prior to 1 July 1994?
Yes No
Tax deductible amounts of pre 1 July 1994 income streams will not retain their pre 1 July 1994 status if they are consolidated intoANZ OneAnswer Personal Super prior to commencing your ANZ OneAnswer Allocated Pension (this includes consolidations viathe ANZ OneAnswer Superannuation Transfer and Consolidation Service).
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Fund name Initial investment Income payment†
Minimums: initial $20,000 (Entry Fee option) and Please pay my income
$30,000 (Nil Entry Fee option), $250 per investment fund from the following options
Please specify the dollar amount, or percentage, (ensure the total equals 100%)
if specific amount is unknown.
External managers
UBS Diversified Fixed Income (PE31, PN31) $ , . or % %
Credit Suisse Property (PE32, PN32) $ , . or % %
State Street Australian Index Plus (PE41, PN41) $ , . or % %
AMP Henderson Equity (PE29, PN29) $ , . or % %
Colonial First State Imputation (PE36, PN36) $ , . or % %
Investors Mutual Australian Shares (PE39, PN39) $ , . or % %
Perpetual Australian Shares (PE35, PN35) $ , . or % %
Schroder Australian Equity (PE34, PN34) $ , . or % %
State Street Global Index Plus $ , . or % %(Hedged) (PE42, PN42)
AXA Global Equity Value (PE38, PN38) $ , . or % %
BT Putnam Global Core Hedged (PE40, PN40) $ , . or % %
Credit Suisse International Shares (PE37, PN37) $ , . or % %
Fidelity Perpetual International Shares (PE30, PN30) $ , . or % %
Total $ , . or % %
† If no selection is made, your income payments will be made in the same proportions as the investments funds chosen.
001001
5. Pension payment detailsDate of first paymentPayments may only be made on the 21st of a given month. If your ANZ OneAnswer Allocated Pension commences before 1 April,your first payment must be received before the following 1 July. If your ANZ OneAnswer Allocated Pension commences after 31March, you may defer your first payment until 30 June in the following financial year. In the first year that you commence your ANZ OneAnswer Allocated Pension, your income payments will be pro-rated for that financial year.
Month January February March April
May June July August
September October November December
Frequency of paymentsFrom the date of the first payment, please make future income payments:
Monthly Quarterly Half Yearly Yearly
Payment amountPlease nominate the amount of income before tax that you would like to receive on each payment date:
Minimum payment Maximum payment Other payment amount of $* , .
* This amount must be within the minimum and maximum pension payment limits. Please see Part Two of the PDS for further details.
XX
XXXX
XXXX
XXXX
XXXX
6. Payment instructions
Monthly, quarterly, half yearly and yearly income payments can be made to any nominated cheque or savings account by direct credit.
Name of financial institution
Branch address
Full account name
Branch number (BSB) –
Account number
Note: Direct crediting is not available on the full range of accounts. If in doubt, please refer to your financial institution.
Pay
The Sum of
JOHN CITIZEN
SAMPLE
CHEQUE ONLY
“005489” “012-998” “7654 83368”
Branch Number Account Number
(always 6 digits – ie xxx-xxx)
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7. Nomination of reversionary pensioner (optional)
Nomination of reversionary pensioner (spouse only).
Name
Date of birth
If address is different from principal pensioner, please attach details.
If you choose a reversionary pensioner, the longest life expectancy is used for the calculation of the deductible amount. If youchoose a reversionary pensioner, this may reduce the tax exempt portion of the pension payments you receive before death.Please refer to of Part Two of the PDS for further information.
If you wish to nominate a binding or non-binding beneficiary in addition to a reversionary pensioner, please see pages 17 and 18.X
YYYYMMDD
X
8. Adviser Service Fee
I confirm that I agree to an Adviser Service Fee of . % p.a. (maximum of 1.0% p.a.) and direct you to deduct that feefrom my investment and paid to the adviser nominated in section 10. This amount will be withdrawn by redeeming units in thefollowing investment fund(s):
(insert investment fund name)
Signature of applicant Date
Note: If no investment fund is nominated, the Adviser Service Fee will be deducted proportionately across the investment funds.
YYYYMMDD
9. Application for membership (declaration to be completed by the applicant)
Before you sign this application form, the Trustee or financial adviser is obliged to give you a PDS which accompanies thisapplication form. The PDS will help you to understand the product and to decide whether it is appropriate to your needs. Please ensure that you have read the entire PDS (consisting of Part One and Part Two).
By completing this application form, I/we:
> authorise the collection, use and disclosure of my/our personal information for the purpose of the assessment of my/ourapplication and if accepted, the management and administration of those products and services in which I/we have invested orfor which I/we wish to apply as outlined in the ‘Privacy’ section in Part Two of the PDS. I/We understand that unless I/weconsent to the collection, use and disclosure identified in the Privacy section, ANZ and ING will not be able to process my/ourapplication or to deliver the relevant products or services.
> accept that ING/ANZ may send me/us information about its products or services from time to time. I/We understand that I/wemay notify you of my/our decision not to receive further information by contacting you directly.
> authorise my/our financial adviser named in section 10 to receive and access my/our personal information for the purposes ofmanaging my/our investment. Where there is any change to this authority or relating to my/our adviser, I/we will notify you ofthe change.
> agree to be bound by the provisions of the Trust Deed for ANZ Personal Superannuation Fund.
> acknowledge that the return of capital or the performance of any investment fund is not guaranteed by the Trustee or any otherperson, unless otherwise stated.
> acknowledge that the Adviser Service Fee option in section 8 will not be charged unless otherwise agreed with my/our financialadviser. Where an amount is agreed with my/our adviser, it is presently calculated, and deducted monthly.
> consent to telephone conversations being recorded and listened to for training purposes or to provide security for transactions.
By signing this application form, I/we confirm that I/we have read and understood the declarations above, conditions andacknowledgments in Part One and Part Two of the PDS.
I/We, the applicant/reversionary pensioner, whose signature(s) appears below, state that the statements made in thisapplication form are true and correct.
Signature of applicant (sign clearly within the box)
Signature of reversionary pensioner (if applicable)Date
YYYYMMDD
Date
YYYYMMDD
Please makecheques payableto ‘ANZ LifeLimited’
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10. Adviser details
Share code Seller code 3
Company name
Name of adviser
Adviser code
Telephone
Facsimile
11. Commission
A. Initial commission rebate (Entry Fee option or Nil Entry Fee option)
If you wish to rebate a portion of your initial commission please nominate one of the following:
Initial commission to be paid to adviser excluding 10% GST . %(e.g. 3.00% means commission paid is 3.30% including GST)
ORPercentage of initial commission to be rebated . %(e.g. 100% means all initial commission (excluding the 10% GST component) will be rebated to your client)
B. Nil Entry Fee option only
Please cross one of the following:
Standard commission (e.g. 3.30% initial and 0.44% p.a.)ORHigher ongoing commission
(e.g. nil initial commission and 1.10% p.a.)
Note: If no nomination is made, standard commission will be paid.
C. Seamless Transfer(e.g. nil initial commission) (please cross if applicable)
Checklist:
Please forward along with this signed application, if required:
Superannuation Transfer form Statement of Advice
Superannuation Transfer and Consolidation Service form Tax File Number Declaration
Copy of rollover documentation Nomination of Beneficiary form
Cheque or deposited micro encoded cheque
Signature of adviser (sign clearly within the box)
X
XX
XX
XX
X
X
X
Date
YYYYMMDD
12. Special instructions
This page is to be completed by the adviser only
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This page has been leftblank intentionally
Please print neatly in BLOCK LETTERS and use a BLACK or DARK BLUE pen.Write X in the appropriate boxes. This declaration is NOT an application for a Tax File Number.
Tax File Number declaration
Surname or family name
Your name Title
First given name
Other given names
Suburb or town
State Postcode
OR I have made a separate application /enquiryto the ATO for a new or existing TFN
OR I am claiming an exemption – under 18 years of age and income below tax-free threshold
Yes
Mrs Miss MsMr
No
OR I am claiming an exemption as a pensioner
If you have changed your name since you last dealt with the ATO,show your previous family name
Registered business or trading name (or individual name if not in business)
Contact person
Business address
ABN
Your date of birth
Your Tax FileNumber (TFN)
Do you authorise your payer to give your TFN to the trustee ofyour superannuation fund?
Section B – to be completed by PAYER
In-confidence – when completed
Section A – to be completed by PAYEE
Date ABN or WPN requested
BranchNumber
(if applicable)
Daytime telephone STD
4
5
Signatureof payer6
If you have not been issued with an ABN or WPN,or you cannot find the ABN or WPN issued to you, ring 13 24 78
(or Withholding Payer Number (WPN) if not in business)
Basis of payment (select one only)1
Do you wish to claim the tax-free threshold from this payer?NOTE: If you have more than one source and currently claim a tax-freethreshold from another payer DO NOT claim it now.
If 'No', you must answer 'No' at question 9.
If 'No', you must answer 'No' at question 11 unless you are a non-resident claiming a zone tax offset.
2
Your home address in Australia
3
4
6
2
5Month YearDay
D D M M Y Y Y Y
1
3
Are you an Australian resident for taxation purposes?8
9
Superannuationpension or annuity
Labourhire
Casualemployment
Part-timeemployment
Full-timeemployment
Yes No
Yes No
Are claiming a zone, dependent spouse or special tax offset?
Yes No
Yes No
Are you claiming a reduced rate of withholding for either Family Tax Benefit or Senior Australians tax offset?
If 'Yes', obtain the Withholdingdeclaration from your payer.
If 'Yes', obtain the Withholdingdeclaration from your payer.
10
Yes No
Do you wish to claim entitlements to a deductable amount ortax offset for an annuity or supperannuation pension?
If this Payee / Payer relationship has now endedplease tick this box
13
14
11
Yes No
(a) Do you have an accumulated HECS debt?
Yes No
(b) Do you have an accumulated Financial Supplement debt?
If 'Yes', your payer will withhold extra amounts tocover your anticipated compulsory repayments(s).
If 'Yes', your payer will withhold extra amounts tocover your anticipated compulsory repayments(s).
If 'Yes', your superannuation provider or the organisation which sold you your annuity willwork out your entitlement.
Please note – there are penalties for deliberately making a falseor misleading statement.
Signature
Date
Please note: Penalties apply where you fail to forward the original to the ATO within 14 days of the commencement of the payer/payee relationship
Date
Declaration: I declare that the information I have given is true and correct.
12
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6
A N Z L I F E A S S U A N C ER
C O M P A N Y L I M I T E D
3 0 0 8 4 2 5 6 5 2
X
Month YearDay
D D M M Y Y Y Y
Month YearDay
D D M M Y Y Y Y
Please provide an estimate of the time taken to complete Section B minutes
A D R I A N I A I Z A
1 3 3 8 6 3
Tax File Number declarationQuestion 1 – Your Tax File Number (TFN)It is not an offence not to quote your TFN. If you choose not to provide your payer withyour TFN or you do not claim an exemption from quoting your TFN, your payer mustwithhold an amount at the rate of 48.5 per cent (the highest marginal rate plusMedicare levy) from any payment made to you.
If you have never had a TFN, ring 13 28 63. You will be advised to complete a Tax FileNumber application/enquiry for an individual. Your TFN is usually on any papers sent toyou from the ATO, such as last year's income tax notice of assessment.
If you cannot locate your TFN or are not sure you have a TFN, ring 13 28 63. You will beasked for information about your identity and if you have a TFN, your TFN will be mailedto your current postal address.
Privacy provisions prevent us from giving you your TFN over the telephone.
If you have lodged a Tax File Number application/enquiry for an individual or made atelephone or counter enquiry to obtain your TFN, print X in the appropriate box atquestion 1. Your payer will withhold an amount at the rate applicable to a TFN havingbeen quoted. If the payer does not have your TFN after 28 days, your payer mustwithhold 48.5 per cent from future payments.
You are exempt from quoting your TFN if:• you receive certain Centrelink pensions, benefits or allowances or a service pension
from the Department of Veterans’ Affairs (you are not exempt from quoting your TFN if you receive Newstart, sickness allowance, special benefit or partner allowance)
• you are under 18 and earn below the $6,000 tax-free threshold. The Commissioner of Taxation has varied the PAYG withholding rate for you to nil even if you have notquoted your TFN to your payer.
Print X in the appropriate box in question 1 to claim your exemption.
Question 2 – TFN authorisationYou can authorise your payer to provide your TFN to the trustee of your superannuationfund. You are not required to do so.
Giving your TFN to your superannuation fund will make it much easier in future to tracedifferent superannuation amounts in your name so that you get the maximum benefitwhen you retire. It can also help in calculating a lower tax liability on an eligibletermination payment.
Your superannuation fund needs your TFN when reporting for the superannuationcontributions tax (surcharge). Without your TFN your superannuation contributions maybe taxed at the full rate of 15 per cent.
Questions 3, 4, 5 & 6 – Payee identificationSee declaration.
Question 7 – Basis of paymentIf you are in doubt as to which category you fall under, check with your payer. If youhave answered 'Superannuation pension or annuity' as your basis of payment, pleaseensure you complete question 13 on the declaration.
Question 8 – Australian resident (for tax purposes)If you need help in deciding whether or not you are an Australian resident for taxpurposes, ring 13 28 61.
If you are not an Australian resident for tax purposes, you must answer NO toquestions 9 and 11 (unless you are entitled to a zone tax offset).
Question 9 – Tax-free thresholdThe tax-free threshold is available to all Australian residents (for tax purposes) andmeans that the first $6,000 of yearly income is not subject to tax.
It is against the law to claim the tax-free threshold from more than one payer at thesame time.
If you are currently claiming the tax-free threshold with another payer, you must advisethat payer that you no longer wish to claim the tax-free threshold by completing aWithholding declaration.
If your income comes from multiple sources and you consider that claiming the tax-freethreshold with only one payer could result in an inappropriate rate of withholding,under certain circumstances you may be entitled to apply for a variation to theprescribed rate. For further information, ring 1300 360 221.
Question 10 – Family Tax Benefit (FTB) or Senior Australians tax offsetGenerally, you can claim FTB if you are an Australian resident (for social securitypurposes) who cares for an eligible child and your family's adjusted taxable income isbelow $77,234 plus $3,139 for each child after the first. If your family income is morethan $77,234, you may still be eligible for a reduced benefit.
You can elect to receive FTB as a direct payment from Centrelink or as an end-of-yearlump sum through the tax system.
Answer NO at question 10 if you elect to receive FTB as:• a direct payment from Centrelink or
• a lump sum through the tax system but with no reduction in the rate of taxdeducted from your pay during the year in anticipation of the lump sum.
Answer YES at question 10 if you elect to receive a lump sum through the tax systemand a reduction in the rate of tax deducted from your pay during the year inanticipation of the lump sum.
It is against the law to claim the FTB from more than one payer at the same time.
Senior Australians tax offsetTo qualify for the Senior Australians tax offset, you need to meet a number of criteria,including:• Age: You must be 65 and over for a male and 61.5 or more for a female at 30 June
2001. You must be 60 or more for males and 56.5 for females at 30 June 2001 if you are a veteran receiving a Department of Veterans' Affairs service pension or if you are a war widow or widower receiving an income support supplement.
• Residency: You received an Australian government pension or similar payment atany time during the income year OR you have qualifying Australian residence–thatis, you have been an Australian resident for age pension purposes, which is generally10 years. If not, you will still be eligible if you have a qualifying residence exemption for age pension purposes–for example, you are a refugee.
• Income: If you were single at any time during the income year and your taxable income was less than $37,840. If you had a spouse, married or de-facto, and you lived together for the whole of the income year and the combined taxable income ofyou and your spouse was less than $58,244. If you had a spouse, married or de-facto, but you had to live apart at any time during the income year because of illness or either of you was in a nursing home and the combined taxable income of you and your spouse was less than $70,404.
If you choose to receive the Senior Australian tax offset this way, answer YES atquestion 10. You will need to get a Withholding declaration from your payer to confirmyour eligibility and calculate your Senior Australian tax offset entitlement.
It is against the law to claim the Senior Australian tax offset from more than one payerat the same time.
Question 11 – Zone, dependent spouse or special tax offsetsYou may be entitled to a:• zone tax offset if you live or work in certain remote or isolated areas of Australia
• dependent (married or de facto) spouse tax offset if your spouse's separate netincome is expected to be less than $6,030 in 2001-02.
• special tax offset for a dependent invalid relative, dependent parent, housekeepercaring for an invalid spouse or a dependent child-housekeeper.
You can claim these tax offsets as a lump sum in your tax assessment. If you choose this option, answer NO to question 11.
If you choose to receive the tax offset as a reduced rate of withholding, answer YESto question 11. You will need to get a Withholding declaration from your payer toconfirm your eligibility and calculate your estimate of tax offset entitlement.
If you are uncertain whether you are eligible for the zone, dependent spouse or special tax offset, ring 13 28 61 to confirm your entitlement.
Note: The income threshold stated for dependent spouse tax offset relates to the yearended 30 June 2002.
It is against the law to claim tax offsets from more than one payer at the same time.
Question 12 – Higher Education Contribution Scheme (HECS) and FinancialSupplement (FS) debtsIf you have an accumulated HECS debt, answer YES to question 12(a).
If you have an accumulated FS debt, answer YES to question 12(b).
Your payer will regularly withhold extra amounts if your annual income is likely to exceed the minimum repayment threshold. The extra amounts withheld should coveryour anticipated compulsory repayment(s). The minimum repayment threshold for2001–02 for HECS debts is $23,242 or $441 per week and for FS debts it is $32,918 or $627 per week.
When your HECS and/or FS debts have been repaid you will need to complete aWithholding declaration to advise your payer that you no longer have a debt. Your payer will then reduce the amounts withheld from your payments.
Question 13 – Deductible amount or superannuation tax offset for annuity or pensionIf you have bought an annuity or superannuation pension, you may be entitled to deduct an amount when tax is calculated.
If you have an annuity or superannuation pension, you may be entitled to a tax offset.Answer YES if you wish to claim any of these entitlements. Your superannuation provider or the organisation which sold you your annuity will work out your entitlement.
Privacy of informationThe Income Tax Assessment Act 1936 authorises the ATO to request information in thisdeclaration. This information will help the ATO to administer the tax laws. If you quoteyour TFN to your employer, in some circumstances the employer may, and in others must,give your TFN to your superannuation fund.
All information, including personal information, collected by the ATO is treated asconfidential and is protected by the Income Tax Assessment Act 1936 and the PrivacyAct 1988. This information may be passed on to other government agencies authorisedby law to receive it. They include Centrelink, the Department of Veterans' Affairs, theDepartment of Family and Community Services, the Department of Education, Trainingand Youth Affairs, and the Department of Immigration and Multicultural Affairs.
Please ensure that you have answered all the questions in Section A and have signed and dated the declaration.
Give the completed declaration to your payer.
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ANZ OneAnswer Allocated Pension Transfer Service Application Form
Dated 1 June 2003
ANZ Personal Superannuation Fund (SFN 402504960)
ANZ OneAnswer Allocated Pension Entry Fee option (SPIN ANZ0323AU)
ANZ OneAnswer Allocated Pension Nil Entry Fee option (SPIN ANZ0324AU)
Please forward this form to your previous financial institution to transfer unrestricted non-preserved funds from a non-ANZ/INGsuperannuation or rollover fund to ANZ Personal Superannuation Fund. If you want to transfer more than one fund, pleasephotocopy this form. You may be requested by your previous fund to forward details or sign additional documents. Please actionthis as soon as possible. Please be aware that other financial institutions may impose a fee when you withdraw from their fund.There may also be delays in having your money transferred from your previous fund.
1. Applicant details
Surname
Given name(s)
Date of birth
Address
State Postcode
2. Request for transfer of unrestricted non-preserved funds to ANZ Personal Superannuation Fund
I hereby instruct you to transfer to ANZ the total value OR partial value $ , .
of my super/rollover fund which is detailed below. Approximate amount (minimum $2000)
Fund details
Financial institution
Fund name
Address ofpaying institution
If the amount you wish to transfer to ANZ OneAnswer Allocated Pension is from a previous employer’s superannuation fund, please state:
Name of employer
Date ceased employment YYYYMMDD
XX
YYYYMMDD
ANZ Managed Investments LimitedABN 61 004 392 269
GPO Box 4028, Sydney NSW 2001347 Kent Street, Sydney NSW 200
Telephone 13 38 63 Facsimile 02 9234 8295
ANZ Managed Investments Limited ABN 61 004 392 269 (ANZMI)A member of the ING Australia group – a joint venture between the global ING Group andAustralia and New Zealand Banking Group Limited ABN 11005 357 522 (ANZ Group)
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3. Approval to transfer
> I hereby give authority to you to provide all relevant information and any other documentation to ANZ regarding the transfer and to forward a cheque for the transfer amount (made payable to ANZ Life Limited).
> I understand that the trustee of my previous fund is discharged from any liability in respect of any amount transferred.
> I approve the deduction of any applicable transfer fees, exit fees and taxes from the benefit being transferred (subject tolegislative restrictions).
> I authorise the transfer of any contribution still to be made by my previous employer that may be received after my benefitshave been transferred to ANZ.
> I understand that, in certain circumstances, ANZ may be required to deduct tax from the untaxed portion of any amounttransferred.
> To the best of my knowledge, my other superannuation fund(s) is a complying superannuation fund under the Superannuation Industry (Supervision) Act 1993.
> ANZ Personal Superannuation Fund is a regulated and complying superannuation fund under the Superannuation Industry(Supervision) Act 1993.
Please send a cheque made payable to ‘ANZ Life Limited <customer name><member/policy no. (if known)>’ to: ANZ Life LimitedGPO Box 4028
Signature of applicant (sign clearly within the box) Sydney NSW 2001Phone 13 38 63
Date
YYYYMMDD
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Letter of Compliance
ANZ Personal Superannuation Fund (SFN 402504960)
ANZ OneAnswer Allocated Pension Entry Fee option (SPIN ANZ0323AU)
ANZ OneAnswer Allocated Pension Nil Entry Fee option (SPIN ANZ0324AU)
Your existing fund may ask for a copy of this letter before transferring your benefits to ANZ OneAnswer Allocated Pension
1 June 2003
TO WHOM IT MAY CONCERN
ANZ OneAnswer Allocated Pension
ANZ Managed Investments Limited (ANZMI) the Trustee of the ANZ OneAnswer Allocated Pension.
I confirm the following statements on behalf of ANZMI.
The Fund is a regulated superannuation fund under the Superannuation Industry (Supervision) Act 1993 (SIS). It is the intentionof ANZMI to manage the Fund in compliance with the SIS laws, the relevant requirements of the Corporations Act and guidelinesissued by both the Australian Securities and Investments Commission and the Australian Prudential Regulation Authority.
The Fund complies with the requirements of SIS and the Income Tax Assessment Act 1936 and 1997.
The Trust Deed governing the Fund allows benefits to be transferred or rolled, from other regulated superannuation funds orsuperannuation products and allows benefits to be transferred or rolled over to other regulated funds.
Members may only cash preserved benefits in circumstances permitted under SIS.
The Trustee of the transferring fund or life company is required to make its cheque payable to ‘ANZ Life Limited <customername><member/policy no. (if known)’.
Yours sincerely,
Matthew Wilson
Authorised OfficerANZ Managed Investments LimitedTrustee of the ANZ OneAnswer Allocated Pension
ANZ Managed Investments LimitedABN 61 004 392 269
GPO Box 4028, Sydney NSW 2001347 Kent Street, Sydney NSW 2000
Telephone 13 38 63Facsimile 02 9234 8295
ANZ Managed Investments Limited ABN 61 004 392 269 (ANZMI)A member of the ING Australia group – a joint venture between the global ING Group andAustralia and New Zealand Banking Group Limited ABN 11005 357 522 (ANZ Group)
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ANZ OneAnswer Allocated Pension Nomination of BeneficiaryApplication Form – Binding and Non-Binding
Dated 1 June 2003
Who benefits are paid to:
Please refer to ‘How is my death benefit paid?’ information in Part Two of the PDS for information about your choices.
Nomination of beneficiary(ies):
Cross one of the two boxes below to indicate whether you are choosing to make a binding or non-binding nomination.
Binding nominationI hereby advise the Trustee of the Fund of my binding choices in relation to who should receive my death benefit and in what proportions. Such payment is subject to any limitations imposed by the fund or law at the time of payment. I understand I may amend or revoke my nomination at any time provided that such changes satisfy certain requirements(see over).
I also understand that if I make a binding nomination and I have nominated an ANZ OneAnswer Allocated Pensionreversionary pensioner, then my binding nomination will not be valid unless it meets the rules for being a valid bindingnomination (outlined in Part Two of the PDS) and:– my nominated ANZ OneAnswer Allocated Pension Reversionary Pensioner pre-deceases me, or– my nominated ANZ OneAnswer Allocated Pension Reversionary Pensioner is no longer my spouse at the date of my death.
Non-binding nominationI hereby advise the Trustee of the Fund of my preferences in relation to who should receive my death benefit, and in what proportions. Such payment is subject to any limitations imposed by the fund or law at the time of payment. I understand I may alter my nomination at any time by advising the Trustee in writing.I also understand that if I make a non-binding nomination and I have nominated an Allocated Pension reversionarypensioner, then the non-binding nomination will not be valid unless:– my nominated ANZ OneAnswer Allocated Pension Reversionary Pensioner pre-deceases me, or– my nominated ANZ OneAnswer Allocated Pension Reversionary Pensioner is no longer my spouse at the date of my death.
You should make your nomination/s in the space provided below, up to a maximum of 11 nominations including your Estate. You should amend or revoke your preferences as personal circumstances change, e.g. you marry, divorce or have a child/children.
A dependant includes a spouse or a child and any other person who, in the opinion of the Trustee, is or was at the relevant timewholly or partially dependent on you for maintenance and support.
Spouse includes a de facto spouse who lives with you on a bona fide domestic basis as your husband or wife and your widow or widoweror surviving de facto spouse.
Child includes a stepchild, an ex-nuptial child, a legally adopted child, a posthumous natural child and a person recognised bythe Trustee as an adopted child.
X
X
1
2
3
4
5
6
7
8
9
10
and/or Estate — — —
Total (must add up to 100%) 100%
Name of nominated beneficiary(dependants)
Relationship to member
Address Date of birth
Proportion ofdeath benefit
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For binding nominations only
Witness declaration and signature (two witnesses are required for all new, revoked or amended binding nominations)I am over 18 years of age, and am not a nominated beneficiary on this form, and the applicant signed and dated this form (above) inthe presence of us both.
Full name of applicant Date of birth
Signature of applicant (sign clearly within the box) Date
Declaration for nominations
1. I understand that the person or persons nominated above by me must be my dependant(s).
2. I understand and acknowledge that a non-binding nomination will not override a previous valid binding nomination.The previous binding nomination must be revoked.
3. I acknowledge that I may revoke my nomination at any time by notifying the Trustee in writing and subject to the
requirements below.
4. I understand that if I choose to make a non-binding nomination:
> the Trustee has absolute discretion as to whom and the manner in which the death benefit is paid;
> the Trustee will consider my nomination but will not be bound by it; and
> if I have also nominated a reversionary pensioner, then the non-binding nomination will not be valid if my nominatedreversionary pensioner is my current spouse and still alive when I die.
5. I understand that if I choose to make a binding nomination:
> if I have revoked and not made a new binding nomination, or have not confirmed or made a new nomination after the threeyear period has expired, then payment of my death benefit will be subject to Trustee discretion;
> if I have also nominated a reversionary pensioner then the binding nomination will not be valid if my nominated reversionarypensioner is my current spouse and still alive when I die;
> a valid binding nomination is valid for three years from the date the nomination is signed by me; and
> the Trustee must pay my benefit according to my nomination provided that:
– my nomination is valid and current i.e. the form containing the nomination has been confirmed or amended within threeyears after the day it was first signed, or last confirmed or amended by me; and
– the nomination is in writing and is signed and dated by me in the presence of two witnesses aged over 18, neither of whomis a nominated beneficiary.
YYYYMMDD
YYYYMMDD
Witness name Witness date of birth
Signature of witness (sign clearly within the box) Date
YYYYMMDD
YYYYMMDD
Witness name Witness date of birth
Signature of witness (sign clearly within the box) Date
YYYYMMDD
YYYYMMDD
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