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Financial Services, Financial Advice - AXA Australia

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The plan at a glance

Minimum Initial Contributions	$2,000
Initial Investment with a Savings Plan	$125
Minimum Balances	$2,000 per plan $1,000 per portfolio chosen.
Minimum Additional Contribution	$1.000 for new portfolios $500 for additions to existing portfolios $125 for additions to existing portfolios under the regular addition program with a minimum of $100 per portfolio.
Minimum Switching Amount	$1,000 with a minimum of $500 in each portfolio.
Type of Contributions Accepted	Personal Contributions Transfers or Rollovers Employer Award Superannuation Guarantee Additional Regular Employee Contributions Special (one-off) Employer or Employee Contributions Spouse Contributions Superannuation Guarantee Vouchers SHAR vouchers
Schedule of Fees	Fee Option	Entry Fee	Exit Fee -		Asset Management fee
	Entry Fee	Up to 5%	Nil	-	1.53% pa
	Exit Fee	Nil	Year 0-1 Year 1-2 Year 2-3 Year 3-4 Year 4-5 5 Years and over	5% 4% 3% 2% 1% Nil	1.53% pa plus additional fee of 1.0% pa for first five years of contributions
	Nil Entry/ Nil Exit	Nil	Nil		Up to 1.93% pa
Establishment Fee	Nil
Withdrawal Fee	Nil
Trustee Fee	Nil
Custodian Fee	Nil
Rebate on large account balances	First $56,000 0.00% Next $56,000 0.20% Next $112,000 0.35% Balance 0.50% These rebates are subject in indexation
Small Account Balance Fee	$0 - $1,200 Nil (Protected) $1,201 - $10,000 $4.80 per month $10,001 - $15,000 $2.40 per month Over $15,000 Nil The fee is subject to annual indexation
Investment Managers Fee (as at 17 Nov 2003)	Fees of 0.35% pa to 0.95% pa, depending on the investment portfolio(s) selected
Switching Administration Fee	The first six switches in a membership year are free of switching administration fees. Subsequent switches will attract a charge of 2% of the amount switched.
Investment Portfolios Available	5 Multi-Manager Diversified investment portfolios 4 Multi-Manager Sector portfolios 11 Individual Manager Portfolios Shielded portfolio
Insurance Options Available	Life Life and Total and Permanent Disablement Life, Total and Permanent Disablement and Income Protection Life and Income Protection
Binding Death Nominations	Yes

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

The above information does not replace the full description or terms and conditions of the product. You are advised to read the Product Disclosure Statement ("PDS") in relation to this product carefully before deciding if this product is appropriate to your needs. Application can only be made by completing an application form contained in a current PDS.

Trustee of the Super Directions Fund:
N.M. Superannuation Pty Ltd ABN 31 008 428 322 AFS License No. 234654

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