YOUR 2016 SUPER STATEMENT

Mercer Super Trust

Mercer SmartSuper Plan Individual Section
From 10 November 2015 to 30 June 2016

Hi Ram, heres your super

account balance at 30 June 2016.
This statement will provide you
with the details.

Mr R K Pratapa
64/22 Great Western Highway
PARRAMATTA NSW 2150

$28,309.16
YOUR SUPER ACCOUNT BALANCE FOR EACH YEAR
AT 30 JUNE

YOUR ACCOUNT OVERVIEW

Opening balance
Earnings

$30,000

$28,309

$0.00
$182.36

Contributions, transfers or

$28,208.77

rollovers
Withdrawals

$25,000

Total fees, taxes & premiums

Closing balance

$20,000

$15,000

YOUR ASSET MIX

$10,000

Growth
$5,000

Defensive
$0
30 Jun 2015

30 Jun 2016

$0.00
-$81.97
$28,309.16

HERES A MORE DETAILED VIEW

Call our helpline:

1800 682 525

Your member no:

2043432

Your employer no:

Below is your account balance and summary. Find out

how salary sacrifice could help you boost your super
at mercersuper.com/salarysacrifice.

308887

Your super account balance

$28,309.16
Earnings for the year

$182.36

WHAT YOUR SUPERS WORTH

Your super account balance on 30 June 2016
For comparison, your super account balance at 10 November 2015
Preserved

Top up with BPAY

$28,309.16
$0.00
$28,309.16

Restricted non-preserved

$0.00

Unrestricted non-preserved

$0.00

If you leave the Plan for any reason other than Death or Total and Permanent
Disablement, youre entitled to the amount shown above (subject to
preservation, see page 12 for further details).

You can choose to make an aftertax contribution to your super

using BPAY. Its always a good idea
to speak to a financial adviser
about your plans first. Call us and
well help.
Biller code:

505966

Your reference no:

103000000948616851

Contact your bank or financial institution to

make this payment from your cheque, savings,
debit or transaction account. More info at
www.bpay.com.au.
Registered to BPAY Pty Ltd (ABN 69 079 137 518)

YOUR SUPER ACCOUNT SUMMARY

FROM 10 NOVEMBER 2015 TO 30 JUNE 2016
Opening balance
Employer contributions
Transfers and/or rollovers

Contributions tax
$0.00
$251.60
$27,957.17

Contributions tax

-$29.92

Dollar based administration fee

-$52.05

Earnings

$182.36

Closing balance

MERCER SMARTSUPER PLAN | SUPER STATEMENT

$28,309.16

Contributions tax shown (if any) will take into

account any fee rebates you may have received
(which are taxable) as well as any insurance
premiums or member fees (which are tax
deductible to the Plan). A tax adjustment may
apply. For more information see page 10.

Exit fee as at 30 June 2016

An exit fee of $130.63 is payable for each super
payout made from the Mercer SmartSuper Plan
(including any partial payouts and your final
payout) whether the payment is made in cash or
rolled over.

HERES A MORE DETAILED VIEW

MAKE YOUR INVESTMENTS

WORK FOR YOU

Call our helpline:

1800 682 525

Your member no:

2043432

Your employer no:

Change your investment options online at any time.

You can take control or let us do it for you. Its up to
you. Log in to get started.

308887

Investment value

$28,309.16
Your earnings

$182.36

YOUR INVESTMENT SUMMARY AT 30 JUNE 2016

OPTIONS
Mercer Growth
Mercer Smartpath-1974 to 1978

STRATEGY

UNITS

UNIT PRICE

VALUE

0.00%

7916.73840

3.55410

$28,136.88

100.00%

152.03390

1.13320

$172.28

TOTAL INVESTMENTS

$28,309.16

The strategy shown above relates to your future contributions or transfers and was current at the time of
producing this statement. There may be a slight variance in the above calculation due to rounding.

What it means

YOUR ASSET MIX AT 30 JUNE 2016

This chart shows your exposure to growth and

defensive assets based on your investment
holdings.

Growth

73.07%

Defensive

26.93%

Growth assets (such as shares and property)

have the potential to grow in value over the long
term but can also experience volatility (risk of
market ups and downs) in the short term.
Defensive assets (such as fixed interest and cash)
generally produce lower returns than growth
assets over the long term but can offer investors
less volatility in the shorter term.

MERCER SMARTSUPER PLAN | SUPER STATEMENT

MAKE YOUR INVESTMENTS WORK FOR YOU

YOUR INVESTMENT RETURNS

Call our helpline:

1800 682 525

Your member no:

2043432

Your employer no:

308887

If you want to leave your investments to us, Mercer

SmartPath is a great option. Investments change
automatically to suit your age. It aims to provide
growth when youre young and reduce volatility as
you near retirement.

INVESTMENT RETURNS AT 30 JUNE 2016 (p.a.%)

INVESTMENT OPTION

1 YEAR

5 YEAR

10 YEAR

COMMENCED

Mercer Growth

1.55%

7.70%

4.70%

20/12/1995

Mercer SmartPath-1974 to 1978

0.76%

5.1%*

5.1%**

01/01/2014

1 YEAR INVESTMENT RETURNS

You should know

The 1 year investment returns shown above are determined by dividing

the 30 June 2016 unit price of each investment option by the unit
price of the same investment option as at the later of 1 July 2015 or
the date the investment option commenced. Unit prices are calculated
net of the investment fees or administration fees.

* Where the investment option has been in

operation for less than 5 years, this column
shows the investment return (p.a.%) for the
period from the investment option's
commencement date.

5 AND 10 YEAR INVESTMENT RETURNS

When we show the Plans returns over a 5 and 10 year period were
referring to the average return for that specific period of time.
This is called the compound average effective rate of net earnings.
These are not the actual returns youve received on your individual
super investment. The returns applied to your balance depend on the
time contributions were made, any other transactions (such as super
youve consolidated from another account or payment of a fee) and
the unit price that was applied at the time those transactions
happened.

** Where the investment option has been in

operation for less than 10 years this column
shows the investment return (p.a.%) for the
period from the investment option's
commencement date.
*** Where the investment option has been in
operation for less than 1 year this column
shows n/a as no 5 or 10 year investment
returns have been included.

Past performance is not a reliable

indicator of future performance.

The investment performance shown is after tax and the Mercer Super
Trust standard rate of investment fees, but does not include the
effects of other fees you may be charged or any discounts which may
apply to investment fees in some plans.
For details of the investment options you were invested in as at 30
June 2016 please refer to Your Investment Summary at 30 June 2016
set out earlier in this statement.

MERCER SMARTSUPER PLAN | SUPER STATEMENT

YOUR INVESTMENT RETURNS

PROTECT THOSE WHO

MATTER MOST

$30,000
$25,000

$10,000

Your member no:

2043432

Death benefit

308887

$28,309.16

TPD*
$28,309.16
Total and Permanent Disablement* benefit

HOW ITS CALCULATED

Death
benefit

Your super
balance

$28,309.16

TPD
benefit

Your super
balance

$28,309.16

$20,000
$15,000

1800 682 525

Your employer no:

Heres a snapshot of any insurance cover and

beneficiary nominations you have made. Make sure
youve got the right plans in place to protect your
family if something happens to you.

SO WHAT DOES THIS COVER MEAN

Call our helpline:

$5,000

Death cover
+

$0.00

TPD cover
+

$0.00

An exit fee of $130.63 is payable for any death or TPD* benefit payout.

$0
Death Benefit $28,309.16

TPD Benefit $28,309.16

See page 11 for more information about these different types of cover.

YOUR BENEFICIARIES
Your beneficiaries
If you want to make sure your super goes to the people you care about, you
need to let us know who they are. We call this 'nominating your
beneficiaries' and it's a really important part of your super.

Nomination of beneficiaries
Our records indicate that you have not nominated a beneficiary. If you
want your super to go to the right people, you need to tell us who they are.
We call this nominating beneficiaries and its a really important part of the
super process. You have two options:

Update your nominations at any

time
If your personal circumstances have
changed, you can update, confirm, amend
or revoke your nomination at any time by
completing a Making a binding death
benefit nomination in the Mercer
SmartSuper Plan form, available from our
website or by calling us. Make sure you
keep your binding nomination up to date.

1. Nomination of preferred beneficiaries

A preferred nomination provides us with a guide on who you want to receive
your benefit, but its not legally binding on us. If you want to ensure the
right people get your super, consider completing a binding death benefit
nomination form available from our website or by calling us.

2. Binding nomination of beneficiaries

A binding beneficiary tells us exactly who you want to receive your benefit if
you were to pass away. This gives you greater certainty that the right
people will get your money as we are bound by your nomination, provided
they are your dependants or your legal personal representative and the
proportion to be paid is readily ascertainable and the notice is valid and in
effect. Update your binding nominations by completing a form available from
our website or by calling us.

MERCER SMARTSUPER PLAN | SUPER STATEMENT

PROTECT THOSE WHO MATTER MOST

YOUR ACCOUNT TRANSACTIONS

From 10 November 2015 to 30 June 2016

Call our helpline:

1800 682 525

Your member no:

2043432

Your employer no:

There are many ways to boost your super, including

personal contributions. Learn more at
mercersuper.com. As you can see, every little bit
counts.

308887

Net contributions

$213.86
Net fees, premiums & rebates
$44.23

CONTRIBUTIONS
DATE
16-11-2015

SOURCE

Employer

TAX ($)

NET ($)

Z_014826

251.60

-37.74

213.86

$251.60

-$37.74

$213.86

TOTAL

Please refer to the below table for descriptions of the source of your contributions
SOURCE CODE

SOURCE DESCRIPTION

Z_014826

UNEEK CONSULTING SERVICES PTY LTD

CONSOLIDATION / TRANSFERS
DATE

DESCRIPTION

10-11-2015

Rollover - PERSONAL-PERSONAL SUPERANNUATION

DIVISION

TOTAL

GROSS ($)

TAX ($)

NET ($)

27957.17

0.00

27957.17

$27,957.17

$0.00

$27,957.17

FEES, PREMIUMS AND REBATES

DATE

Dollar based
administration
fee

TAX ($)

NET ($)

30-11-2015

4.66

-0.70

3.96

31-12-2015

6.65

-1.00

5.65

31-01-2016

6.79

-1.02

5.77

29-02-2016

6.79

-1.02

5.77

31-03-2016

6.79

-1.02

5.77

30-04-2016

6.79

-1.02

5.77

31-05-2016

6.79

-1.02

5.77

30-06-2016

6.79

-1.02

5.77

$52.05

-$7.82

$44.23

TOTAL

CONCESSIONAL & NON-CONCESSIONAL CONTRIBUTIONS

The total concessional contributions (before tax)* received in respect
of you for the year ended 30 June 2016 were $251.60. (This amount
includes any insurance premiums or other fees and expenses paid by
your employer, if applicable, on your behalf.)
The total non-concessional contributions (after tax)* received in
respect of you for the year ended 30 June 2016 were $0.00.
* The amounts above are based on the information the Mercer SmartSuper Plan holds on
your record as at 30 June 2016, and may differ from the figures to be reported to the
Australian Taxation Office if updated information is subsequently received by the Plan.

MERCER SMARTSUPER PLAN | SUPER STATEMENT

Make sure you dont exceed the caps

An annual cap applies to the amount of
concessional contributions made to
superannuation that are taxed at concessional
rates. Caps also apply to the amount of nonconcessional contributions. For more
information about the caps, the contributions
that count towards the caps and what it means
if your contributions exceed the caps, visit the
Mercer SmartSuper Plan website sign-in and
take the Contributions link or call us.
YOUR ACCOUNT TRANSACTIONS

YOUR ACCOUNT TRANSACTIONS

From 10 November 2015 to 30 June 2016

Call our helpline:

1800 682 525

Your member no:

2043432

Your employer no:

308887

DIVISION 293 TAX

Division 293 tax is an additional tax on contributions for high income
earners. It will be charged at 15% on some or all of an individuals
concessional contributions for individuals on incomes (as defined for
this purpose) of $300,000 or more. The Division 293 contributions
reported for you for the year ended 30 June 2016 are the
contributions shown above. For further information on Division 293 tax
and who it affects, please refer to the ATO website at
www.ato.gov.au.

MERCER SMARTSUPER PLAN | SUPER STATEMENT

YOUR ACCOUNT TRANSACTIONS

INDIRECT COSTS AND

TOTAL FEES PAID BY YOU
From 10 November 2015 to 30 June 2016

Call our helpline:

1800 682 525

Your member no:

2043432

Your employer no:

308887

We are required to provide you with information

about fees and costs as theyre outlined below.
If you have any questions about it, call us and wed
be happy to talk you through it.
INDIRECT COSTS OF YOUR INVESTMENT:

$209.52

This approximate amount has been deducted from your investment and includes amounts that have reduced the
return on your investment but are not charged directly to you as a fee.

TOTAL FEES YOU PAID:

$261.57

This approximate amount includes all the fees and costs which affected your investment during the period.

ADDITIONAL EXPLANATION OF FEES AND COSTS

The Trustee is required to provide you with information about fees and
costs in the manner as shown above. If you have any queries about the
information shown please contact us.
Indirect costs represent the costs of running the Plan over and above
any fees deducted directly from your account.
Indirect costs are paid out of the assets of the Plan. This is generally
done by adjusting the unit price and/or the declared earning rate. The
amount shown is an approximate amount allocated to you.
Total fees you paid are the total of any fees and costs deducted
directly from your account as well as the Indirect costs shown
above. This amount includes insurance premiums (if any) that have
been deducted directly from your account. For more information,
refer to Fees, Premiums and Rebates.
Income tax and its effect on fees: Tax is payable on investment
earnings of the Plan at a maximum rate of 15%. However, as the Plan is
allowed a tax deduction in respect of certain fees and costs the rate
of tax actually payable by the Plan may be less than 15%. The benefit of
any income tax deductions is passed on to members either directly or
indirectly when the Trustee determines earnings or by meeting other
costs incurred by the Plan.

MERCER SMARTSUPER PLAN | SUPER STATEMENT

INDIRECT COSTS AND TOTAL FEES PAID BY YOU

YOUR PERSONAL DETAILS

Call our helpline:

1800 682 525

Your member no:

2043432

Your employer no:

308887

Were going digital. Make sure weve got your

current details, including email and mobile phone
number, so we can easily stay in touch.

Full name
Address

Ram Kiran Pratapa

64/22 Great Western Highway
PARRAMATTA NSW 2150

Age at 30 June 2016

38

Member number

2043432

Employer number
Membership category

308887
Accumulation Member

TFN supplied

Supplied

Telephone number
Mobile phone

0434555642

Email
Eligible service date

20 November 2000

Date joined the Plan

10 November 2015

FROM JULY 2016, WERE MOVING TO DIGITAL

COMMUNICATIONS

Lets communicate the

environmentally friendly way

If weve got your email address, important information about your

super will be made available electronically. Well notify you by email
when information about your products and services and your annual
statement are available online, or well email information directly to
you. If we cant send an email, well send you information by post.

If we dont have your email address or your

mobile phone number when we switch on
SMS notifications later this year, youll
continue to receive information by post.

Later this year, well also be launching an SMS notification service. If

we have your mobile phone number, we can notify you via SMS that
information is available via your online account.
Of course, if you prefer to receive all documents by post, we can
arrange that for you. Simply update your communication preferences
via your online account under the options for statements and
notices, or call us and we can help.

MERCER SMARTSUPER PLAN | SUPER STATEMENT

Help us reduce the impact to the

environment and update your email address,
mobile phone and communication
preferences today by logging in to your
account at mercersuper.com.
If youve forgotten your PIN, you can easily
reset it by clicking on Reset your PIN and
following the instructions.

YOUR PERSONAL DETAILS

OTHER IMPORTANT THINGS

YOU SHOULD KNOW

Call our helpline:

1800 682 525

Your member no:

2043432

Your employer no:

308887

If you have a question or would like additional

information about the Mercer SmartSuper Plan call us
and wed be happy to help.
MAKING THE MOST OF YOUR SUPER

MINIMUM SUPER BENEFIT

Visit our website to learn more about the many ways that you can make
the most of your super with Mercer. To log in youll need your pin and
your employer and member number, both found on the top right hand
side of this statement. If you dont know your PIN, call us and well help
you reset it.

Your super benefit satisfies the minimum payout

under the Superannuation Guarantee legislation.

TAKE AN ACTIVE ROLE WITH YOUR SUPER

The Mercer SmartSuper Plan offers a range of investment, insurance
and contribution choice, each of which may vary depending on the
choices available to you within the Plan. If you want more information
about the choices available to you, visit our website or call us and well
help.

TAX AND YOUR SUPER

Tax is payable on taxable contributions, and
certain fees and premiums may be deductible,
thus reducing the tax payable.

SUPERANNUATION SURCHARGE
The superannuation surcharge is a tax on certain
contributions made before 1 July 2005 for some
higher income earners. Details of any surcharge
paid in respect of you are shown on page 2.

MYSUPER DASHBOARD

YOUR PRIVACY IS IMPORTANT TO US

For information on privacy and the handling of your personal information
please refer to our Privacy Policy on our website.

The latest Product Dashboard for the Plan's

MySuper product can be found at
mercersuper.com/documents

ANNUAL REPORT TO MEMBERS

The Annual Report to Members will provide you with the most recent
information regarding the financial status and other information about
the Plan. If you would like a copy, please visit our website or contact us.

YOUR SATISFACTION IS OUR PRIORITY

We take dispute resolution very seriously. If youve got an issue to solve,
we have a process in place to try our very best to rectify it. You can
contact the Enquiries and Complaints Officer in writing or by calling us.

ENQUIRIES
If you have any questions or would like more information about the
Mercer SmartSuper Plan, including the benefit entitlements or
investments within the Plan, or the fees, charges or expenses paid by
the Plan, please call us and well help. The trustee has an obligation to
provide you with any information you reasonably require to understand
your super benefit entitlements.
Mercer Super Trust
GPO Box 4303
Melbourne VIC 3001
Website
mercersuper.com

MERCER SMARTSUPER PLAN | SUPER STATEMENT

OTHER IMPORTANT THINGS YOU SHOULD KNOW 10

OTHER IMPORTANT THINGS

YOU SHOULD KNOW

Call our helpline:

1800 682 525

Your member no:

2043432

Your employer no:

308887

ADDITIONAL INFORMATION ABOUT INSURANCE IN THE

MERCER SMARTSUPER PLAN
All or part of your death and disablement benefit may be insured with
an insurance company. In certain circumstances the insurance
company may restrict or decline all or part of the amount it will pay in
relation to a particular claim. Should this happen the amount payable
on death or disablement may be less than that shown on this
statement as it may not include the insured portion. Please refer to
page 5 for details of any insured amounts.
Death benefit: Your payout if you pass away or are terminally ill is equal
to your death cover plus your super account balance.
Total and Permanent Disablement (TPD): Your payout if you become
totally and permanently disabled is equal to your TPD cover plus your
super account balance.

PROPOSED TRANSFER TO MERCER SMARTPATH YOUR

PLANS MYSUPER PRODUCT
As part of the Federal Governments superannuation reforms,
members super must generally be held in a default low-cost
superannuation product known as a MySuper product unless they
choose otherwise. The trustee of the Mercer Super Trust has
established the Mercer SmartPath investment option as its MySuper
product within the Mercer Super Trust. Under the new laws, the
trustee must transfer the super of affected members to Mercer
SmartPath by no later than 30 June 2017, unless the member chooses
otherwise. A trustee has a special obligation to promote the financial
interests of members invested in a MySuper product in this case,
Mercer SmartPath.
As at 30/06/2016 28136.88 of your super is proposed to be moved to
the Mercer SmartPath investment option by December 2016. You will
be notified at least 90 days before this occurs and be given further
information and the opportunity to opt out of this change if you wish.
In the meantime, please call the Helpline, if you would like further
information on this proposed change and your options if you do not
want your super to be automatically moved to Mercer SmartPath.
More information about the Mercer SmartPath investment option can
be found in your Product Disclosure Statement and other materials
you have received since joining the Plan.

MERCER SMARTSUPER PLAN | SUPER STATEMENT

OTHER IMPORTANT THINGS YOU SHOULD KNOW 11

OTHER IMPORTANT THINGS

YOU SHOULD KNOW

Call our helpline:

1800 682 525

Your member no:

2043432

Your employer no:

308887

ACCESSING YOUR SUPER

The government has placed restrictions on when you can access your
super.
Restricted non-preserved
The restricted non-preserved amount (if any) is the part of your benefit
that is payable in cash on ceasing employment or upon attaining age 65.
Please note that this amount may not be payable in cash in these
circumstances if you are a temporary resident of Australia. More details
on the conditions of release for temporary residents can be found below.
Unrestricted non-preserved
The unrestricted non-preserved amount (if any) is the part of your
benefit that is payable in cash at any time.
Preserved

WHATS MY PRESERVATION AGE

DATE OF BIRTH

PRESERVATION
AGE

After 30 June 1964

60

1 July 1963 30 June 1964

59

1 July 1962 30 June 1963

58

1 July 1961 30 June 1962

57

1 July 1960 30 June 1961

56

Before 1 July 1960

55

The preserved amount is that part of your benefit which by law must be
kept in a superannuation fund or other approved arrangement until you
meet one of the conditions set down by the Government.
These include where you:

leave your employer at or after age 60, or

retire permanently from the workforce at or after your preservation

age, or

attain age 65 (conditions apply), or

become permanently disabled, terminally ill or die, or

satisfy certain compassionate grounds or financial hardship criteria as

specified by legislation, or

leave your employer and your total benefit is under $200 (and you are
not a temporary resident).

The above conditions of release may not apply to some temporary

residents. If you are not an Australian or New Zealand citizen or an
Australian permanent resident, a condition of release may only be met
if you become permanently disabled, ill or pass away or in some
circumstances on departing Australia and cancellation or expiry of
your visa.

About this statement

This super statement provides a guide to your super benefit entitlements in the Mercer Super Trust. The amount of those benefits shown in this
statement reflects the super payout that would have been payable to you had you left the Mercer Super Trust as at the date of this statement. The
amount of your actual super payout will be determined and calculated as at the date you leave the Mercer Super Trust and as such may vary from the
amounts shown in this statement. The amounts shown are based on your personal details as set out inside. The trustee believes these details to be
accurate, complete and up to date. However, errors sometimes occur and the trustee reserves the right to correct them. You should check the details
carefully and if you believe there are any errors please call us on the Helpline. Before making any decisions based on the information set out in this
statement, you should confirm the amounts by calling on the the Helpline. The trustee also recommends that you confirm the amount of your super
payout before you leave the Mercer Super Trust.
This document has been issued by Mercer Superannuation (Australia) Limited (MSAL) ABN 79 004 717 533, AFSL #235906, as trustee of the Mercer Super
Trust ABN 19 905 422 981. Mercer financial advisers are authorised representatives of Mercer Financial Advice (Australia) Pty Ltd ABN 76 153 168 293
AFSL #411766. MERCER and Mercer SmartPath are Australian-registered trademarks of Mercer (Australia) Pty Ltd ABN 32 005 315 917. Copyright 2016
Mercer LLC. All rights reserved.

MERCER SMARTSUPER PLAN | SUPER STATEMENT

OTHER IMPORTANT THINGS YOU SHOULD KNOW 12