The Insurer of BT Protection Plans is Westpac Life Insurance Services Limited ABN 31 003 149 157, AFSL Number 233728 ('the Insurer'). BT Protection Plans is issued by the Insurer except for Term Life as Superannuation and Income Protection as Superannuation which are issued by Westpac Securities Administration Limited ABN 77 000 049 472, AFSL Number 233731 ('WSAL') as trustee of the Westpac MasterTrust ABN 81 236 903 448. The Insurer and WSAL are wholly owned subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714, ('the Bank'). None of the BT Protection Plans, an interest in the Westpac MasterTrust or Retirement Wrap ABN 39 827 542 991, RSE Registration R1001327 (of which SuperWrap is part of), nor an investment in Wrap, are an investment in, deposit with or other liability of the Bank. Neither the Bank, nor any member of the Westpac Group (other than the Insurer) guarantees the benefits payable in relation to BT Protection Plans. This information has been prepared without taking into consideration your personal needs and financial circumstances. You should consider the appropriateness of this information with regard to your objectives, financial situation and needs. Before making a decision in relation to BT Protection Plans, you should consider the BT Protection Plans Product Disclosure Statement ('PDS') and consider whether the product is right for you. The PDS explains conditions, terms, limits and exclusions and is available from your financial adviser. This information is current at 20 May 2013 but is subject to change.
BT Funds Management Limited ABN 63 002 916 458, AFSL No. 233724, RSE No. L0001090 is the trustee of BT Lifetime Super - Employer
Plan ABN 39 827 542 991, RSE R1001327 and is the issuer of interests in BT Lifetime Super - Employer Plan. A Product Disclosure
Statement and other relevant disclosure documents (together, PDS) are available for BT Lifetime Super - Employer Plan and can be
obtained by calling 132 135, or from the BT Lifetime Super -
Employer Plan downloads. You should obtain and carefully consider the PDS before deciding whether to acquire, continue to hold or dispose of
interests in BT Lifetime Super - Employer Plan.
Superannuation is a long-term investment. The Australian Government has placed restrictions on when you can access your preserved
benefits and has set caps on the amount of money you can add to superannuation each year on a concessionally taxed basis. In addition,
the Government has set a non-concessional contributions cap. For more detail, speak with a financial adviser or visit the ATO website.
Before requesting a rollover of your superannuation interests into BT Lifetime Super - Employer Plan you should also check with your other
fund(s) to see if there are any exit fees for moving your benefit, or other loss of benefits (e. g. insurance cover). There may be limited
circumstances where your employer is not required to accept your Choice of Superannuation fund form eg. if you have already exercised
Choice in the last 12 months.
The information shown on this site is general information only, it does not constitute any recommendation or advice; it has been prepared without taking into account your personal objectives, financial situation or needs and so you should consider its appropriateness having regard to these factors before acting on it. Any taxation position described is a general statement and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and our interpretation. Your individual situation may differ and you should seek independent professional tax advice. You should also consider obtaining personalised advice from a professional financial adviser before making any financial decisions in relation to the matters discussed hereto.
An investment in BT Lifetime Super - Employer Plan is not an investment in, deposit with or any other liability of Westpac Banking Corporation ABN 33 007 457 141 (the Bank) or any other company in the Westpac Group. It is subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. None of the Bank, any other company in the Westpac Group or any appointed investment manager stands behind or otherwise guarantees the capital value or investment performance of BT Lifetime Super - Employer Plan.
© BT Financial Group - A Division of Westpac Banking Corporation.