Super Directions Personal Super Plan

The Super Directions Fund is a flexible superannuation fund that allows you to make tax-effective savings provision for your retirement. The Super Directions Personal Super Plan operates under the Super Directions Fund (‘the Fund’).

You can adjust your contributions and investment strategy as your lifestyle or circumstances change. You can choose from a wide selection of investment portfolios managed by leading investment managers and you can switch between portfolios as you wish.

Super Directions Personal Super Plan is ideal if you are self employed, have a fluctuating income, change jobs frequently, or need to supplement your existing superannuation to adequately provide for retirement. To invest in the Super Directions Super Personal Plan and become a member of the Fund, click on the link below or request a brochure and we will send you a copy of the Super Directions Personal Super Plan Product Disclosure Statement with an attached application form. The Product Disclosure Statement (PDS) should be read fully so you can determine whether this product suits your needs and objectives. You should also refer to the PDS for the charges associated with the Personal Super Plan.

Super Directions Personal Super Plan also offers a number of insurance cover options including Life cover, Total and Permanent Disablement cover and Income Protection cover. For further information, refer to the current PDS.

Important update

As at 15 January 2007 the investment management cost for the Perpetual Wholesale Industrial Fund increased from 0.919% to 0.99%. This increase is due to Perpetual increasing their management costs.

FUND	Old management cost % pa	New management cost % pa
Perpetual’s Wholesale Industrial Fund	0.919%	0.99%

Product Disclosure Statement - Super Directions Personal Annual report Investment options The plan at a glance

AXA Freedom Benefits Get it together - super consolidation Government regulations & taxation Retirement Income Tour Spouse contributions to super Superannuation Insurance Superannuation tour

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. Fund: Super Directions Fund ABN 78 421 957 449 Trustee: N.M. Superannuation Pty Ltd ABN 31 008 428 322 AFS Licence No. 234654.