Plan at a glance

Investing

Minimum initial investment	$2,000
Minimum additional ad-hoc contribution, rollover or transfer	$500
Regular savings plan	· $50 per fortnight or per month · $250 per quarter Subject to a minimum of $50 per investment option
Investment option minimums for additional investments	· $50 if you currently invest in the option · $500 if you do not currently invest in the investment option
Minimum withdrawal	$500
Minimum switch	$500 (excluding auto re-balancing)
Minimum total portfolio balance	$1,500
Minimum balance per investment option	$500

Product features

Auto re-balancing	If selected, this facility will re-balance your investments half-yearly or annually.
Super splitting	You may elect to split contributions with your spouse
Bpay, ad hoc direct debit and EFT	Additional investments can be made to your Generations Personal Super Plan via Bpay and ad hoc direct debit from the Generations member website. You can also make an additional investment using an electronic funds transfer (EFT) facility provided by your bank.
Income distributions	Income distributions for each investment option are automatically reinvested.
Investment switching	You can switch all or part of your investment portfolio between investment options at any time.
Fax and email transaction facility	Enables the convenience of issuing instructions to us by fax or email.
Estate planning	To assist with your estate planning you may nominate a beneficiary or beneficiaries by: · binding death benefit nomination · non-binding death benefit nomination Your financial adviser can assist you in choosing the best method for your particular circumstances.

Investment options

Investment options

You can select from a range of multi-manager and single manager investment options. Please refer to the Generations Investment Options PDS for details.

Insurance options

Available cover	Death
	Death/Total & Permanent Disablement (TPD)
	Salary Continuance
Maximum cover	Death: unlimited
	TPD: $2 million
	Salary Continuance: 75% of the first $320,000 of salary

Reporting

Online access	You can view your account information, including portfolio valuation and transaction history at any time at www.summitservice.com.au
Annual Member Statement	You will receive an annual statement detailing your account balance, asset allocation, transaction summary, annual rate of return and insurance details.
Annual Trustee Report	You will receive an annual report, which includes information on the management and financial position of the Fund.

If you have any questions in relation to any of the above please contact AXA on 131 737.

Important information For further information on Generations Personal Super, including fees and charges, please refer to the current Generations Personal Super PDS.

This information has been prepared to provide you with general information only. It is not intended to take the place of professional advice and you should not take action on specific issues in reliance on this information. In preparing this information, we did not take into account the investment objectives, financial situation or particular needs of any particular person. Before making an investment decision you need to consider (with or without the assistance of an adviser) whether this information is appropriate to your needs and circumstances. You should obtain a copy of the relevant Product Disclosure Statement (PDS) before making a decision to invest in any financial product. Copies of our PDSs can be obtained from your adviser or by calling 1800 622 772. Application for investment in the Generations Personal Pension will only be accepted on receipt of an application form accompanying a current Generations Personal Pension PDS. Unless specifically stated, the repayment of capital or performance of our investments is not guaranteed. This information is provided for persons in Australia only and is not intended for the use of any person who is in any other country.