Superannuation fund trust deed [insert name of fund] [insert name(s) of trustee(s)] [if Trustee is a company, insert ACN] (Trustee) Superannuation fund trust deed [insert name of fund]

TABLE OF CONTENTS Pages Details Operative part 1. Defined terms & interpretation 1.1 Defined terms 1.2 Compliance 1.3 Interpretation 2. The Fund 2.1 Assets 2.2 Name 2.3 Investment Options 2.4 Single trust 3. Trustee 3.1 Trustee 3.2 Regulated superannuation fund 3.3 Conditions 3.4 Termination of Trustee’s office 3.5 Transfer of Assets 3.6. Trustee — other appointments 3.7 Trustee — power to appoint 4. Trustee powers, discretions and duties 4.1 Powers 4.2 Examples of powers 4.3 Compliance 4.4 Discretions 4.5 Fees 4.6 Policies 5. Limitation of liability 5.1 Limitation 5.2 Exceptions 6. Indemnity 6.1 Indemnity 6.2 Payment and reimbursement 7. Investment 7.1 General 7.2 Investment strategy 7.3 Reserves management 7.4 Valuation 7.5 Investment earnings 8. Records, audit and information 8.1 Requirements of Act 8.2 Requirements of Family Law Legislation 9. Membership 9.1 Eligibility and Participation in Different Capacities 9.2 Acceptance 9.3 Information 9.4 Timing 9.5 Deed 9.6 Member’s attorney 9.7 Termination of Beneficiary’s interest 9.8 Beneficiaries’ interests and liabilities 9.9 Member’s Account 9.10 Special Arrangements 10. Participation of Employers 10.1 Application 10.2 Timing 10.3 Deed 10.4 Termination — circumstances 10.5 Termination — effects 10.6 Rights not affected 10.7 Payments to an Employer 10.8 Employer obligations 11. Contributions 11.1 Powers 11.2 Cash or assets may be contributed 11.3 Acceptance of contributions 11.4 Allocation of contributions 11.5 Contribution splitting 12. Benefits: General provisions 12.1 Schedules 12.2 Conditions and evidence 12.3 Policy 12.4 Method 12.5 Circumstances and amounts — general 12.6 Death Benefits 12.7 Transfer of Assets 12.8 Bankruptcy and assignments 12.9 Minor Beneficiaries or those without legal capacity 12.10 Discharge 12.11 Deductions 12.12 Non-member spouses 13. Transfers 13.1 Transfers in 13.2 Transfers out 14. Investment Options 14.1 Selection of Investment Options 14.2 Switches 14.3 Order of debiting 15. Reserve Account 15.1 Maintenance of Account 15.2 Credits 15.3 Debits 16. Confidentiality 16.1 Non-disclosure 16.2 Exceptions 17. Termination of the Fund 17.1 General 17.2 Termination by Trustee 17.3 No further receipts 17.4 Application of Assets 18. Amendments 18.1 Power 18.2 Method 18.3 Effective date 18.4 Limitations 19. Severance 20. Notices 20.1 Form 20.2 Receipt 20.3 Timing 21. Governing law Schedule 1 — General Schedule 1. Name of Fund 2. Name of Trustee 3. Governing law Schedule 2 — Benefit Schedule Part 1 — Constitutional Corporations 1. Circumstances 2. Lump sum benefit upon receipt of a release authority 3. Calculation of benefits other than Pension Benefits 4. Pension Benefits Part 2 — Old Age Pensions 1. Application 2. Retirement pension 3. Incidental benefits Part 3 — Provisions applying to pension benefits 1. Forms of pension 2. Provisions of Act 3. Additional terms / 4. Terms 5. Account based pensions 6. Transition to retirement income streams/transition to retirement pensions 7. Particular arrangements 8. Reserves 9. Death Benefits Schedule 3 — Application for membership Part 1 — Application for membership Part 2 — Non-binding Nomination Form Part 3 — Binding Death Benefit Nomination Schedule 4 — Employer Participation Agreement