Retail superannuation

BT Super for Life

APIR Code	Investment Option	Indirect Costs³	Other Fees (%)⁴	Borrowing Costs (%)
Super and Transition to Retirement (TTR)
BTA0288AU	1940s Lifestage - Super ¹	0.15	0.95	0.01
BTA0289AU	1950s Lifestage - Super & TTR¹	0.14	0.95	0.00
BTA0290AU	1960s Lifestage - Super & TTR¹	0.14	0.95	0.00
BTA0291AU	1970s Lifestage - Super¹	0.15	0.95	0.00
BTA0292AU	1980s Lifestage - Super¹	0.15	0.95	0.00
BTA0293AU	1990s Lifestage - Super¹	0.15	0.95	0.00
BTA0442AU	2000s Lifestage - Super¹	0.15	0.95	0.00
BTA7639AU	Active Defensive - Super & TTR²	0.18	0.95	0.00
BTA5118AU	Active Moderate - Super & TTR²	0.25	1.00	0.04
BTA8610AU	Active Balanced - Super & TTR ²	0.34	1.05	0.07
BTA1267AU	Active Growth - Super & TTR²	0.35	1.10	0.07
BTA4469AU	Active High Growth - Super & TTR²	0.37	1.20	0.07
BTA6292AU	Index Defensive - Super & TTR²	0.11	0.70	0.00
BTA6329AU	Index Moderate - Super & TTR²	0.11	0.75	0.00
BTA2413AU	Index Balanced - Super & TTR²	0.10	0.80	0.00
BTA1570AU	Index Growth - Super & TTR²	0.10	0.85	0.00
BTA1215AU	Index High Growth - Super & TTR²	0.10	0.90	0.00
BTA9311AU	Active Australian Shares - Super & TTR²	0.26	1.15	0.00
BTA3009AU	Active International Shares - Super & TTR²	0.16	1.25	0.00
BTA4584AU	Active Global Property - Super & TTR²	0.21	1.25	0.00
BTA3075AU	Active Global Fixed Interest - Super & TTR²	0.16	1.00	0.00
BTA0297AU	Cash - Super & TTR¹	1.25	0.00	0.00
BTA0749AU	Index Australian Shares - Super & TTR²	0.10	0.80	0.00
BTA3104AU	Index International Shares - Super & TTR²	0.10	0.85	0.00
BTA5401AU	Index Property Securities - Super & TTR²	0.10	0.80	0.00
BTA7978AU	Index Australian Fixed Interest - Super & TTR²	0.12	0.75	0.00
BTA5137AU	Index International Fixed Interest - Super & TTR²	0.10	0.80	0.00
BTA7669AU	Antipodes Global - Super & TTR²	0.69	1.83	0.00
BTA0939AU	Pendal Technology²	0.42	1.75	0.00
BTA8782AU	Pendal Core Australian Shares - Super & TTR²	0.26	1.16	0.00
BTA0295AU	Pendal Growth Shares - Super & TTR¹	0.21	0.95	0.00
BTA8643AU	Fidelity Australian Shares - Super & TTR²	0.13	1.20	0.00
BTA5720AU	Magellan Global Shares - Super & TTR²	0.13	1.77	0.00
BTA3197AU	Nikko AM Value Australian Shares - Super & TTR²	0.10	1.05	0.00
BTA6816AU	T. Rowe Price Global Shares - Super & TTR²	0.36	1.45	0.00
BTA9281AU	APN AREIT - Super & TTR²	0.10	1.10	0.00
BTA6520AU	Pendal Australian Property Securities - Super & TTR²	0.18	1.05	0.00
BTA5958AU	Pendal Global Property Securities - Super & TTR²	0.17	1.30	0.00
BTA1038AU	RARE Value Infrastructure (Unhedged)²	0.40	1.55	0.00
BTA0956AU	Pendal Australian Bonds - Super & TTR²	0.20	0.90	0.00
BTA5729AU	Franklin Templeton Multisector Bonds - Super & TTR²	0.45	1.23	0.00
BTA2241AU	PIMCO International Bonds - Super & TTR²	0.57	0.85	0.00
BTA7850AU	UBS Australian Bonds - Super & TTR²	0.14	0.80	0.00
BTA0294AU	Pendal Sustainable Conservative - Super & TTR¹	0.22	0.95	0.01
BTA0296AU	Pendal Sustainable Balanced - Super & TTR¹	0.23	0.95	0.01
Retirement
BTA0281AU	1940s Lifestage¹	0.15	0.95	0.01
BTA0282AU	1950s Lifestage¹	0.14	0.95	0.00
BTA5173AU	1960s Lifestage¹	0.14	0.95	0.00
BTA4224AU	Active Defensive²	0.18	0.95	0.00
BTA4220AU	Active Moderate²	0.25	1.00	0.04
BTA3705AU	Active Balanced²	0.34	1.05	0.07
BTA0576AU	Active Growth²	0.35	1.10	0.07
BTA1046AU	Active High Growth²	0.37	1.20	0.07
BTA6311AU	Index Defensive²	0.11	0.70	0.00
BTA6050AU	Index Moderate²	0.11	0.75	0.00
BTA2538AU	Index Balanced²	0.10	0.80	0.00
BTA7716AU	Index Growth²	0.10	0.85	0.00
BTA3098AU	Index High Growth²	0.10	0.90	0.00
BTA1472AU	Active Australian Shares²	0.26	1.15	0.00
BTA7524AU	Active International Shares²	0.16	1.25	0.00
BTA8341AU	Active Global Property²	0.21	1.25	0.00
BTA2506AU	Active Global Fixed Interest²	0.16	1.00	0.00
BTA0286AU	Cash¹	1.24	0.00	0.00
BTA7951AU	Index Australian Shares²	0.10	0.80	0.00
BTA4695AU	Index International Shares²	0.10	0.85	0.00
BTA5704AU	Index Property Securities²	0.10	0.80	0.00
BTA9277AU	Index Australian Fixed Interest ²	0.12	0.75	0.00
BTA8116AU	Index International Fixed Interest²	0.10	0.80	0.00
BTA1684AU	Antipodes Global²	0.69	1.83	0.00
BTA3730AU	Pendal Technology²	0.42	1.75	0.00
BTA5948AU	Pendal Core Australian Shares²	0.26	1.16	0.00
BTA0284AU	Pendal Growth Shares¹	0.20	0.95	0.00
BTA5087AU	Fidelity Australian Shares²	0.13	1.20	0.00
BTA8572AU	Magellan Global Shares²	0.13	1.77	0.00
BTA5953AU	Nikko AM Value Australian Shares²	0.10	1.05	0.00
BTA3034AU	T. Rowe Price Global Shares²	0.36	1.45	0.00
BTA4753AU	APN AREIT²	0.10	1.10	0.00
BTA6840AU	Pendal Australian Property Securities²	0.18	1.05	0.00
BTA6581AU	Pendal Global Property Securities²	0.17	1.30	0.00
BTA5700AU	RARE Value Infrastructure (Unhedged)²	0.40	1.55	0.00
BTA5930AU	Pendal Australian Bonds²	0.20	0.90	0.00
BTA0970AU	Franklin Templeton Multisector Bonds²	0.45	1.23	0.00
BTA8655AU	PIMCO International Bonds²	0.57	0.85	0.00
BTA3467AU	UBS Australian Bonds²	0.14	0.80	0.00
BTA0283AU	Pendal Sustainable Conservative¹	0.22	0.95	0.01
BTA0285AU	Pendal Sustainable Balanced¹	0.22	0.95	0.01

1. The performance-related fees and other indirect costs are estimated amounts in relation to the 12 months to 30 June 2018.
2. The performance-related fees and other indirect costs are estimated amounts in relation to the 12 months to 30 June 2019.
3. The indirect cost ratio for the Lifestage Funds may be higher if certain investment performance targets are achieved. Please refer to ‘Additional explanation of fees and costs’ in the Additional Information Booklet for more information.
4. Additional fees and costs, such as the $6.50 per month dollar based Administration fee, buy-sell spreads, activity fees, advice fees for personal advice or insurance fees, may apply. Please refer to ‘Additional explanation of fees and costs’ in the Additional Information Booklet for more information.

BT Lifetime - Personal Super

APIR Code	Fund	Indirect Costs (%)	Other Fees (%)	Borrowing Costs (%)
BTA0197AU	Aberdeen Actively Hedged International Equities	0.37%	2.06%	0%
BTA0217AU	Aberdeen Actively Hedged International Equities NEF	0.34%	2.48%	0%
BTA0199AU	BlackRock Balanced	0.95%	2.03%	0.01%
BTA0219AU	BlackRock Balanced NEF	0.95%	2.44%	0.01%
BTA0018AU	BT Australasian Bond	0.40%	1.28%	0%
BTA0142AU	BT Australasian Bond NEF	0.32%	1.69%	0%
BTA0019AU	BT Australian Share	0.52%	1.54%	0%
BTA0144AU	BT Australian Share NEF	0.50%	1.95%	0%
BTA0603AU	BT Balanced Returns	0.81%	1.54%	0.08%
BTA0140AU	BT Balanced Returns NEF	0.80%	1.95%	0%
BTA0601AU	BT Cash	0.20%	1.02%	0%
BTA0174AU	BT Cash NEF	0.19%	1.44%	0%
BTA0602AU	BT Conservative Outlook	0.75%	1.54%	0%
BTA0139AU	BT Conservative Outlook NEF	0.70%	1.95%	0%
BTA0065AU	BT Future Goals Fund	0.71%	1.54%	0%
BTA0138AU	BT Future Goals NEF	0.68%	1.95%	0%
BTA0020AU	BT Global Bond	0.38%	1.28%	0%
BTA0027AU	BT International Share	0.43%	1.54%	0%
BTA0143AU	BT International Share NEF	0.41%	1.95%	0%
BTA0082AU	BT Partner Australian Shares Growth 1	0.41%	1.95%	0%
BTA0088AU	BT Partner Australian Shares Growth 1 NEF	0.28%	2.36%	0%
BTA0604AU	BT Property Securities	0.42%	1.54%	0%
BTA0145AU	BT Property Securities NEF	0.38%	1.95%	0%
BTA0146AU	BT Technology	0.42%	1.66%	0%
BTA0147AU	BT Technology - NCF	0.39%	2.07%	0%
BTA0196AU	Colonial First State Australian Share	0.50%	2.04%	0%
BTA0216AU	Colonial First State Australian Share NEF	0.44%	2.45%	0%
BTA0198AU	Macquarie Conservative	0.38%	1.90%	0%
BTA0200AU	MLC Growth	0.51%	2.07%	0.04%
BTA0220AU	MLC Growth NEF	0.46%	2.48%	0.04%
BTA0231AU	BT Multi Manager Balanced	0.57%	1.91%	0%
BTA0237AU	BT Multi Manager Balanced NEF	0.51%	2.32%	0%
BTA0232AU	BT Multi Manager Conservative	0.51%	1.80%	0%
BTA0086AU	BT Multi Manager High Growth	0.56%	2.16%	0%
BTA0230AU	BT Multi Manager Growth	0.60%	2.01%	0%
BTA0236AU	BT Multi Manager Growth NEF	0.54%	2.42%	0%

BT Classic Lifetime - Personal Super

APIR Code	Fund	Indirect Costs (%)	Other Fees (%)	Borrowing Costs (%)
RFA0413AU	BT Active Balanced	0.75%	1.64%	0.07%
RFA0040AU	BT Active Balanced NEF	0.75%	1.64%	0.07%
RFA0009AU	BT Cash	0.22%	1.13%	0%
RFA0042AU	BT Cash NEF	0.22%	1.13%	0%
RFA0412AU	BT Conservative	0.71%	1.53%	0.07%
RFA0041AU	BT Conservative NEF	0.71%	1.53%	0.07%
RFA0118AU	BT Core Australian Share	0.47%	1.74%	0%
RFA0038AU	BT Core Australian Share NEF	0.47%	1.74%	0%
RFA0119AU	BT Core Global Share	0.41%	1.87%	0%
RFA0035AU	BT Core Glob Share NEF	0.41%	1.87%	0%
RFA0039AU	BT Diversified Share NEF	0.46%	1.65%	0%
RFA0414AU	BT Diversified Share	0.46%	1.65%	0%
RFA0124AU	BT Ethical Share	0.49%	1.85%	0%
RFA0036AU	BT Ethical Share NEF	0.49%	1.85%	0%

BT Retirement Selection - Personal Super Plan

APIR Code	Fund	Indirect Costs (%)	Other Fees (%)	Borrowing Costs (%)
BTA0013AU	BT Australasian Bond	0.31%	1.85%	0%
BTA0014AU	BT Australian Share	0.43%	1.85%	0%
BTA0403AU	BT Balanced Returns	0.66%	1.85%	0.08%
BTA0401AU	BT Cash	0.18%	1.10%	0%
BTA0402AU	BT Conservative Outlook	0.66%	1.85%	0%
BTA0067AU	BT Future Goals	0.61%	1.86%	0%
BTA0016AU	BT International Share	0.33%	1.85%	0%
BTA0017AU	BT Property Securities	0.37%	1.85%	0%

BT Superannuation Investment Fund

APIR Code	Fund	Indirect Costs (%)	Other Fees (%)	Borrowing Costs (%)
WFS0401AU	BT Superannuation Investment Fund	0.70%	1.23%	0.08%

BT Superannuation Savings Fund

APIR Code	Fund	Indirect Costs (%)	Other Fees (%)	Borrowing Costs (%)
WFS0402AU	BT Superannuation Savings Fund	0.29%	1.04%	0%

Westpac Lifetime Super Service (Q/QN)

APIR Code	Fund	Indirect Costs (%)	Other Fees (%)	Borrowing Costs (%)
WFS0100AU	Dynamic growth	0.61%	1.71%	0%
WFS0348AU	Dynamic growth NCF	0.61%	2.19%	0%
WFS0027AU	Balanced Growth	0.70%	1.71%	0%
WFS0346AU	Balanced Growth NCF	0.70%	2.18%	0%
WFS0029AU	Moderate Growth	0.69%	1.70%	0%
WFS0350AU	Moderate Growth NCF	0.69%	2.18%	0%
WFS0026AU	Conservative Growth	0.65%	1.71%	0%
WFS0347AU	Conservative Growth NCF	0.65%	2.18%	0%
WFS0241AU	Australian Share Fund	0.48%	1.72%	0%
WFS0345AU	Australian Share Fund NCF	0.48%	2.19%	0%
WFS0240AU	Australian Property Securities Fund	0.53%	1.72%	0%
WFS0352AU	Australian Property Securites Fund NCF	0.53%	2.19%	0%
WFS0239AU	International Share Fund	0.50%	1.75%	0%
WFS0349AU	International Share Fund NCF	0.50%	2.22%	0%
WFS0118AU	Cash Plus Fund	0.45%	1.41%	0%
WFS0025AU	Money Market Fund	0.45%	1.41%	0%
WFS0351AU	Money Market Fund NCF	0.45%	1.88%	0%

Westpac Personal Super Fund/Bond (P00)

APIR Code	Fund	Indirect Costs (%)	Other Fees (%)	Borrowing Costs (%)
APC0403AU	Dynamic (5SDG)	0.16%	1.72%	0%
APC0402AU	Balanced Growth (5SBG)	0.24%	1.71%	0%
APC0404AU	Conservative Growth/Protected (5SPP)	0.20%	1.71%	0%
APC0401AU	Income Accumulation (5SIA)	0.00%	1.76%	0%

Westpac Personal Superannuation Bond (E00)

APIR Code	Fund	Indirect Costs (%)	Other Fees (%)	Borrowing Costs (%)
APC0435AU	Growth Plus (5GPP)	0.16%	1.13%	0%
APC0434AU	Managed Growth (5MGP)	0.24%	1.12%	0%
APC0433AU	Managed (Capital) Stable/Protected (5CSP)	0.20%	1.10%	0%
APC0431AU	Cash Based (5CBP)	0.00%	1.18%	0%

Westpac Rollover Bond (R00)

APIR Code	Fund	Indirect Costs (%)	Other Fees (%)	Borrowing Costs (%)
APC0702AU	Balanced Growth (5SBG)	0.24%	1.71%	0%
APC0701AU	Capital Guaranteed (5SCG)	0.00%	1.76%	0%

Westpac Rollover Investment Bond (J00)

APIR Code	Fund	Indirect Costs (%)	Other Fees (%)	Borrowing Costs (%)
APC0715AU	Growth Plus (5GPP)	0.16%	1.13%	0%
APC0714AU	Managed Growth (5MGP)	0.24%	1.12%	0%
APC0712AU	Managed (Capital) Stable (5CSP)	0.20%	1.10%	0%
APC0711AU	Cash Based (5CBP)	0.00%	1.18%	0%

Westpac Simple Super (200)

APIR Code	Fund	Indirect Costs (%)	Other Fees (%)	Borrowing Costs (%)
APC0442AU	Managed Investment (2MIO)	0.29%	1.71%	0%
APC0441AU	Bank Deposit (2BDO)	0.05%	1.76%	0%

These fees and costs are estimated amounts in relation to the 12 months to 30 June 2017.