Are we allowed to do this?

Yes. Salary packaing is fully endorsed and supported by your employer, the government and the tax office. Australian Red Cross Blood Service realise that it’s very difficult to attract and retain staff in your industry consequently they have added salary packaging as an additional benefit of your employment—a recruitment and retention initiative.

This benefit is unique to certain Public Benevolent Institutions (PBI) and is only available to you as you are employed by a PBI. This may explain why other friends or relatives cannot access the same benefits with their employer.

Most people will be well over $100 better off each fortnight, just by paying the expenses they already have out of their pre-tax income.

Your employer encourages you to participate!

What does it cost?

Remunerator charges $100 (single deduction) plus 1.5% of the amount you have packaged. These fees are included in your package and therefore paid pre-tax.

Salary packaging is traditionally a payroll function however ARCBS have outsourced administration of salary packaging to Remunerator and it is a user pays system. The tax savings far outweigh the cost. No fees are charged if you decide not go ahead with your salary package.

FAQ

I work part time, can I still package?Everyone who is paid by ARCBS can access salary packaging - the same as full time employees. I don’t have enough expenses to reach the maximum amount - is it still worthwhile?Every Dollar that is salary packaged is a dollar you don’t pay tax on - even packaging $2,000 a year means a savings of around $600 for most people. I have a HECS debt, can I still salary package?If you have a HECS debt you can salary package to your advantage, however it will effect the amount you are required to repay in HECS each fortnight. Ensure you contact a Salary Packaging Officer to see how you will be affected. Can I buy my laptop computer from any shop I like and does it have to be used for work?There are no restrictions on where you buy your computer and how much you pay as long as you can get a tax invoice. There is no business use requirement. Can I get help setting up my package?Please contact Remunerator as Salary Packaging Officers are available to assist you.

Ph 1300 654 834 or email redcross@remunerator.com.au

Take Full Advantage

Salary packaging is an easy way to slash your tax and put more

money in your pocket.

So don’t put it off, get the ball rolling!

“Information contained in this brochure is for information and illustrative purposes only, and does not constitute financial advice. 01/08”

Salary Packaging – an instant pay rise

Salary packaging is a great way to reduce the amount of tax you pay and thereby increase your net salary. You can nominate to have a number of your expenses, such as mortgage, credit card , rent or even phone and electricity bills paid from your gross salary—before tax is deducted. For example an ARCBS employee earning $40,000 could

increase their take home pay by $3,850 just by salary packaging.

The table shows how paying expenses from pre-tax income, reduces the amount of income tax payable and increases take home pay.

What can I Package?

1. General Expenses

• Mortgage repayments • Credit card repayments • Child and aged care • Rent • Personal loans • Utility expenses (phone, electricity, council etc) • School fees • Motor vehicle running costs • Insurance (house, life, health etc) • Public Transport • Gym Membership & club fees

2. FBT exempt items

Meal EntertainmentFood and drink purchases from restaurants for yourself, your family or your friends. It does not have to be associated with work in any way (please see separate flyer for more information)

Laptop / Notebook Computer One computer per FBT year per employee

Mobile Phones (with > 50% business use)

Car ParkingEmployer provided car parking

3. Motor Vehicles

New or used vehicles can be included in your salary package through a Novated or Associated lease. This enables you to pay the vehicle lease payments and all of your running cost through pre-tax income – potentially saving you thousands.

You can even include the car you already own.

For a quote on how this can work for you,

call our Lease Hotline: 1800 501 703

Getting Started

Starting your salary package is easy!You will need to complete the attached application form and return it to Remunerator.

Easy 5 Minute Application!

If you need help setting up your salary package – Remunerator have Salary Packaging Officers available to assist you. Contact Remunerator:

  •  Ph:  1300 654 834  •  Email:  redcross@remunerator.com.au  •  Website:  www.remunerator.com.au  •  Fax:  03 9882 3133 

Apply online Visit website www.remunerator.com.au

Client Area AccessUsername: a r c b sPassword: plasma

Without Package With Package

Gross Salary per f/n $1,600

Amount Packaged nil

Taxable Income $1,600

Tax Payable $296

Net pay $1,304

Mortgage $617

Cash remaining $687

$1,600

$617

$983

$128

$855

Nil

$855

In addition to General Expenses

maximum of $5,200

per year

You can choose to Flexirent Notebooks

in your salary package

Flexirent Hotline 1300 768 718

Net savings per annum $4,368Net Savings per pay $168This employee is better off by $168 each fortnight!

Savings can be made no matter what your salary

Annual Salary  Savings per year  Savings per fortnight

  $20,000  $2,006  $77

  $25,000  $2,365  $90

  $35,000  $3,865  $148

  $40,000  $4,615  $177

  $45,000 to $70,000  $4,823  $185

Package up to $16,050

per year

Please pay the maximum allowable OR

Only $_________ per fortnight OR

Per month to either:-

Options

To my loan account

To my Nominated bank account

Threshold Benefits

Return by fax to03 9882 3133

www.remunerator.com.auPO Box 1247, Camberwell, Vic 3124

Salary PackagingApplication Form

Charities and Health ðFax tO

TITLE (TICK) DR MR MRS MS OTHER (SPECIFY)

SURNAME FIRST NAME

ADDRESS (STREET) STATE POSTCODE

ADDRESS (SUBURB) MOBILE FAX ( )

WORK TELEPHONE ( ) HOME TELEPHONE ( )

EMAIL DATE OF BIRTH D /M /Y

EMPLOYER NaME

OCCUPATION LOCATION

DEPARTMENT PAYROLL NUMBER

PERSONaL DEtaILS

YOUR NOMINatED BaNK aCCOUNt DEtaILS (SaVINGS, CHEQUE OR EVERYDaY aCCOUNt)

ACCOUNT HOLDERS NAME

BANK BRANCH

BSB SIX DIGIT NUMBER ACCOUNT NO.

w.rem or.

A CO HO DERS NAME

DECLARATIONI wish to participate in the salary packaging program made available by the above mentioned employer. I have read, understood and accepted the terms of the salary packaging policy as set by the above mentioned employer. I agree that all costs and charges associated with entering into the salary package will be met by me from the next available pay period. I have read, understood and agree with Remunerator’s Privacy Statement, which is available at www.remunerator.com.au

SIGNATURE DATE / /

r n t f i l

ble OR

nl $ ______ ____ p r rt g t

i

To my c nt

o m

SIGN HERE

Additional Documentation RequiredPlease supply the following:Loan, Mortgage, Personal or Line of Credit: Loan StatementRent: Rental Agreement or Declaration of Rental terms from landlordOther Periodical Payments: Evidence of periodical payments Further information available from our website www.remunertor.com.au or call us on 1300 654 834.

Periodical payments: Mortgage, Personal loan, Line of credit, Rent, Health Insurance, all other Periodical Payments.

Tel 1300 654 834

(fromwheredirectdebitistaken)

Please attach a copy of a recent pay slip or letter of offer

LAPTO

COMPUTER OR PDA

P ease pay only $ ____ __________ Per Yea Total

Fax invoice/receipt and Claim Form to 03 9882 5444 or post to PO Box 1247 Camberwell VIC 3124 Money will be paid to nom nated account. Claim forms can be downloaded f om: www remunerator.com.au.

Ple esubmitinvoice(bill)orrece pt dat dupt 12monthsold

Credit Card Please pay the maximum allowable OR

only $_________ for the current package period

Options

Super nnuat l l

hird pa y copy f o r membe

Additional Documentation RequiredPlease supply th following:Reimbursement opy of statements (up to 12 months old) showing proof of expense. You can submit later with a Claim Form to 03 9882 5444 or post to PO Box 1247, Camberwell, Vic 3124. Claim forms can be downloaded from www remunerator com.au

APPROVED

o h pe e

pec y_ __________ _______ _

o adm re S pe annuat o und ( .e. A , I G, Super S , es a)

( l

Paidtomynominatedbankaccount

( g payment

Please p f the c rr nt pac

ns

General Expenses

Options

General expense items must be included within your employers approved benefit list. Refer to your salary packaging brochure.

Per mo th

y par adm st d Su erann t un (i.e. NG AMP, HESTA

om

p

A ROVED

PDA

l

unt Nu b

Pleas ub t i voice (b ll) or c ts ate

a voice e e pt d Cl im Form to 3 988 44 o o t t O

Ac t a e u b ef

a plicable

Additional Documentation RequiredPlease supply the following:Reimbursement - copy of invoice, receipts or statements (up to 12 months old) showing proof of expense. You can submit ater with a Claim Form to 0 9882 5444 or post to PO Box 1247, Camberwel , Vic 3 24. Claim forms can be downloaded from www emunerator.com.au

Paidtomynominatedbankaccount

_

Reimbursement - copy of r (up to 12 mon hs old d monstrating proof o payment

im m lo b

In addition to the above threshold expenses, you may also package some of the following: -

Meal Entertainment Please pay the maximum allowable OR

only $_________ for the current package period

Options

p s mor )

only $

n

eimbursem nt

Add t o l Do umen at on Requ ed ea h f l

on y _ __ O

o to e t er -

ions

sup

DI cer if cate ro AP A s owing complies w th A RA reg lations, AND

APPROVED

EXPEN

( r it a Dome tic Tr vel)

se pa $ ___________ r ear ta or t ms w t NO GS

pa t e maximu low ble

Di

Account N me:… … ……………… …… ……

than a registered realestate agent i.e fam ly.

Specify__

th s p i , p a l o s pply landlo ds A coun name & number and refe ence f

applicable

Please supply evidence of periodical expense

Additional Documentation RequiredPlease supply the following:

Reimbursement - copy of receipts / statements (up to 12 months old) demonstrating proof of payment

(insurance,utilityexpenses,schoolfees,motorvehicle

runningcosts,publictransportplusmore)

Paidtomynominatedbankaccount

Pleasepay$_________forexpensewithGST(insurance,utilitybills,carrunningcosts,privatetravel)

Pleasepay$_________forexpenseswith-outGST(schoolfees,healthinsurance,rent,loanrepayments)

ease p y t e max mum al owable

r m nth to e h

Opt o

t Na e:……………………………………………… ce Numbe ……………………

P ase supp y de lara io f r nta terms om so one o er

ADDI IONAL CK GE BOV APTO

SUPERANNUATION

OTHER BENEFITS Depending on your employer, you may be entitled to package benefits other than those described above. Please refer to the Information Booklet available from your Human Resources Department or at www.remunerator.com.au.

e pay only $ _ _ Per Year ot l

leas s bm v i e (b l ) or eceipt date TE package ommenc n

Please pay the maximum allowable OR Only $ ________per fortnight or per month to either:-

Options

To my third party administered Superannuation fund

To my DIY (self administered) Superannuation Fund

Please supply a copy of your Member Statement

Please supply a copy of:1. The certificate from APRA showing that the fund

complies with APRA regulations, AND2. Bank account details for the superannuation fund

up o 6 m nth p i r to pa ag co menc me t

IMPORTANT: PLEASE SUPPLY ALL ADDITIONAL DOCUMENTS FOR TAXATION PURPOSESPLEASE COMPLETE AND SIGN A SALARY CONFIRMATION FORM REQUIRED BY SOUTH AUSTRALIAN GOVERNMENT

IMPORTANTOR TA PURPOSES PLEASE L COPY OF YOUR EN CY A REE E T

le se su p y declar t o re ting f om some ne other i fa i y

PERIODICAL

APP OVE

se p y $ P r Year ite T

e pay $ Pe Y r To l for it s GST l

nl $ p r for n h per q arter

UPERANNUATION

____p fo t ig t nth either

To my

DIY i i

e p $ r Y r To tem

ST

g Private

i pl t e f it l F

P

(i.e.Hesta,HealthSuper,AMPetc)