Contact details

Century Financial Services (NSW)

1300 663 041

15 August 2012

w.bowler@ampfp.com.au

Mr H K Ung
364 Canleyvale Road
CANLEY HEIGHTS NSW 2766

1300 653 456

02 8837 7856

CustomSuper@amp.com.au

customsuper.amp.com.au
AMP Corporate Superannuation
Locked Bag 5400 PARRAMATTA NSW 1741

Member details
H K Ung
ACCOUNT NUMBER

964018870

MONTH AND YEAR OF BIRTH

January 1960

TAX FILE NUMBER (TFN)

Supplied

CustomSuper
LSW Staff Superannuation Plan 00920246
Member Statement 1 July 2011 to 30 June 2012
ACCOUNT BALANCE
AT 30 JUNE 2011

FUNDS IN

INVESTMENT
RETURN

FUNDS OUT

ACCOUNT BALANCE
AT 30 JUNE 2012

$170,940.77

$5,077.26

$4,144.95

$1,045.26

$179,117.72

Account summary

Change in your account balance

Benefit category

01

Total Death benefit (account balance plus insurance

cover)

$235,154.99

Total and Permanent Disablement (TPD) benefit

(account balance plus insurance cover)

$235,154.99

Total Temporary Disablement benefit (monthly)

$583.72

Net rate of return (annual)

2.69%

Based on values at end of the reporting period.

Important information
Please refer to the Action required section (at the back of your statement) for important information that requires your
attention.

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Account number: 964018870

437002852|102931434.5

Registered trade mark of AMP Life Limited ABN 84 079 300 379

Page 1 of 8

Investment details
Your investment return

Your investment performance

Transaction

Value $

Investment return

5.45%

4,144.95

Member Fee

-83.64

Management Fee Rebate

597.66

Net investment return

3.54%

3.55%
2.81%

2.69%

$4,658.97

Net rate of return (annual)

2.69%

Your investment summary

Investment option

Allocation %
Current

No. of units

Unit price $

Investment value $

Future

AMP Secure Choice (Customsuper)*

71.44

0.00

127,954.46

AMP Cash Plus

28.56

100.00

5,493.15

9.31401

51,163.26

Total

100%

100%

$179,117.72

*This investment option does not have a unit price. It has a crediting rate.
You are currently invested in the default investment option(s) set up for this plan. You can change your investment options at any time.
Refer to the Product Disclosure Statement (PDS) for more information on other investment options that may be available to you.
The Allocation % shows how your current investments have been allocated and how your future contributions or transfers will be
allocated across your investment options (current as at 30 June 2012).

Long term returns

Total returns % pa
Investment option

Inception date

Since inception

5 years

10 years

AMP Secure Choice (Customsuper)

3.28

3.51

AMP Cash Plus

3.14

3.10

Past performance is not an indication of future performance. The investment returns are for the period shownthey are not the returns
of your own personal investment.
Returns are calculated in a way which is consistent with industry best practice. The investment fees and any applicable taxes payable
on this investment have been deducted from the return.
Fees that are directly deducted from your account, such as member fees and advice fees, have not been deducted from the investment
return displayed. You should consider the impact of these fees prior to making any investment decisions.

Crediting rates
Investment option

Period

AMP Secure Choice (Customsuper)

01/07/2011 - 31/08/2011

3.60

01/09/2011 - 31/10/2011

2.60

01/11/2011 - 31/12/2011

2.20

01/01/2012 - 29/02/2012

1.90

01/03/2012 - 30/06/2012

1.60

Account number: 964018870

Rate % pa

Page 2 of 8

Investment details continued

Important note about capital guaranteed investments

You currently have $10,000 or more invested in a capital guaranteed investment. The information in this statement is
importantplease take the time to read it (and this note) carefully.
These investment options are supported by the life insurance policies held by AMP Life Limited issued from:

Statutory Fund No 1 for AMP Secure Choice (Customsuper)

Statutory Fund No 2 for AMP Cash Plus

Capital guaranteed options are designed to give security in the shorter termthis is usually at the cost of lower potential
returns (than for other types of investment options) over the longer term.
Depending on your personal circumstances, financial objectives and needs, you may want to consider other options that
may provide higher potential returnsbut with a higher level of riskover the longer term.
If you are interested in investment arrangements that may be more suitable for your personal circumstances, you should
speak to your financial planner or contact us at AMP.

Benefit details
Withdrawal benefit
Withdrawal benefit details

Amount $

Previous withdrawal benefit at 30 June 2011

$170,940.77

Account balance at 30 June 2012made up of:

179,117.72

Preserved*

Restricted non-preserved*

Unrestricted non-preserved*

Withdrawal benefit at 30 June 2012

151,215.73
27,901.99
0.00
$179,117.72

*See your Member guide fact sheet for an explanation of these terms.

Sub-account balances
Sub-account

Balance $

Employer

54,594.25

Employer additional

11,628.95

Member

66,045.10

Salary Sacrifice
Rollover
Total sub-accounts

1,153.26
45,696.16
$179,117.72

The withdrawal benefit is based on a vesting rate of 100.00%.

Account number: 964018870

Page 3 of 8

Benefit details continued

Insurance cover at 1 July 2012

Insurance type

Default cover $

Additional
cover $

Total cover
amount $

Monthly
charge $

Death

51,886.36

51,886.36

45.20

Total and Permanent Disablement (TPD)

51,886.36

51,886.36

540.48

540.48

Total Temporary Disablement (TTD) (monthly)

Total monthly charge

$45.20

Total cover amount is effective at the commencement of the new statement period.
Your insurance cover may have minimum and/or maximum limits applied, subject to your plan's rules or any Government legislation.
Your insurance cover may be restricted to lower levels of cover due to automatic acceptance limits and/or any underwriting assessments
by the insurer.
The monthly charge for your Default TPD and TTD cover is included in the charge for your Death cover.
The monthly charge for your insurance cover is made up of the monthly premium plus any applicable stamp duty.
The value of your insurance benefits may change at any time.

How your insurance benefits are calculated

Insurance type

Calculation details

Default Death and Total and Permanent

Disablement

12.5% of your salary times years of future membership to the normal retirement
age.

Transactions
Payments received
Contribution type

Description

Date

Employer contributions

Employer - LEWISHAM SAW WORKS PTY LIMITED

15/07/2011

287.37

Employer - LEWISHAM SAW WORKS PTY LIMITED

18/08/2011

229.90

Employer - LEWISHAM SAW WORKS PTY LIMITED

15/09/2011

295.99

Employer - LEWISHAM SAW WORKS PTY LIMITED

21/11/2011

473.58

Employer - LEWISHAM SAW WORKS PTY LIMITED

16/12/2011

295.99

Employer - LEWISHAM SAW WORKS PTY LIMITED

20/02/2012

479.51

Employer - LEWISHAM SAW WORKS PTY LIMITED

02/05/2012

319.67

Employer - LEWISHAM SAW WORKS PTY LIMITED

01/06/2012

236.79

Total employer contributions

Member contributions

Account number: 964018870

Amount $

$2,618.80

Member contribution - LEWISHAM SAW WORKS

PTY LIMITED

15/07/2011

155.00

Member contribution - LEWISHAM SAW WORKS

PTY LIMITED

18/08/2011

124.00

Member contribution - LEWISHAM SAW WORKS

PTY LIMITED

15/09/2011

155.00

Member contribution - LEWISHAM SAW WORKS

PTY LIMITED

21/11/2011

248.00

Member contribution - LEWISHAM SAW WORKS

PTY LIMITED

16/12/2011

155.00
Page 4 of 8

Transactions continued
Contribution type

Description

Date

Member contribution - LEWISHAM SAW WORKS

PTY LIMITED

20/02/2012

217.00

Member contribution - LEWISHAM SAW WORKS

PTY LIMITED

02/05/2012

155.00

Member contribution - LEWISHAM SAW WORKS

PTY LIMITED

01/06/2012

124.00

Total member contributions

Government co-contributions

$1,333.00

Government co-contribution

18/11/2011

526.80

Government co-contribution

13/03/2012

1.00

Total Government co-contributions

Total payments received

Amount $

$527.80

$4,479.60

If you intend to claim a personal tax deduction on member contributions, complete and submit to us an ATO Notice of Intent to claim
or vary a tax deduction for personal contributions form. Go to amp.com.au/forms to download a formalternatively, call us for a copy.

Transaction summary
Transaction type

Transaction description

Opening balance at 1 July 2011

Funds in

2,618.80

Member contributions - LEWISHAM SAW WORKS PTY LIMITED

1,333.00

Management Fee Rebate

597.66

Govt co-contribution payment

527.80

Investment return

Investment return

Funds out

Death/Total and Permanent Disablement cover premiums

$4,144.95
528.00
50.39

Member Fee

83.64

Govt co-contribution recovery

69.60

Total funds out

Closing balance at 30 June 2012

$5,077.26

Contribution Fee

Contributions tax

$170,940.77

Employer contributions - LEWISHAM SAW WORKS PTY LIMITED

Total funds in

Amount $

313.63
$1,045.26

$179,117.72

The Contribution Fee has been deducted from your account after allowing for the 15% tax deduction that is available to AMP Life.
The Member Fee has been deducted from your account after allowing for the 15% tax deduction that is available to AMP Life.
Contributions tax applies to employer and salary sacrifice contributions paid into your account.

Account number: 964018870

Page 5 of 8

Transactions continued

Fee summary
Fee type

Description

Amount $

Rebates

The fee rebates applicable to your accountpaid directly into your

account. See the Transaction summary for details.

597.66

Direct fees

The fees and costs deducted directly from your account. See the
Transaction summary for details.

134.03

Other management costs

This approximate amount has been deducted from your investment and
includes all the other management costs that were not paid directly out
of your account.

2,836.28

Please note that the accuracy of this estimate can be affected by

transactions on your account during a month.
Total fees you paid

$2,372.65

This approximate amount includes all the fees and other management
costs that affected your investment during the period.

The Total fees you paid amount includes Other management costs. You do not actually see Other Management Costs deducted from
your account since the costs are deducted from the unit prices or interest rates for your investment options. The amount shown allows
for a 15% tax deduction that is available to AMP Life.

Your fee structure - Type A plan

Fee type
Direct fees

Management costs

Fee name

Fee description

Member Fee

$8.30 each month.

Contribution Fee

1.50% of each applicable contribution.

Management Fee and

Performance Based Fees

These fees are allowed for before we set unit prices

or crediting rates. They are not debited directly from
your account.

Any rebate values that may apply do not allow for the tax credits that are available to AMP Life. This means these fees and rebates will
be further reduced by approximately 15%.

Employer details
Employment details
Employer name

LEWISHAM SAW WORKS PTY LIMITED

Date started employment

3 February 1986

Date joined plan

1 February 1993

Salary

$33,207.27

Please refer to your Product Disclosure Statement (PDS)including the Plan Summary, Member Guide, Investment Guide Fact Sheets
and Insurance Guide Fact Sheetsfor the meaning of the term 'salary' which applies to you.

Policy committee details

We have not received any Policy Committee details from your employer.
A Policy Committee is required to be established for your employer's plan if:

it has 50 or more members

it has between 5 and 49 members, and a written request is received from at least 5 members.

Account number: 964018870

Page 6 of 8

Additional contributions
Making additional contributions
Payment type

Payment details

BPAY

Additional contributions may be made to your account (where eligible) using BPAY.
Note: We can only accept BPAY payments from a cheque or savings account. We do not accept
payments from a credit card account.
When making your payment, use the applicable biller code (below) and your Customer
Reference Number (CRN): 9640188703.
Contributions type

Cheque

Biller code

Member

879049

Spouse

879064

Make your cheque payable to: AMP Life Limited - CustomSuper.

Post your cheque payment to: AMP Corporate Superannuation, Locked Bag 5400,
PARRAMATTA NSW 1741.
Note: Please include your name, account number, type of contribution and any other relevant
details with your payment.

Action required
You have not nominated a beneficiary

Account number: 964018870

You have not nominated a beneficiary for your account. You can lodge your
nomination details at any time by completing Beneficiary nomination form.
For the trustee to pay your benefit to your beneficiary, your nomination must be
valid, and your beneficiary must be your legal representative, or qualify as a
dependant under superannuation law.
You can confirm, change or cancel your nomination details at any time by
completing a Beneficiary nomination form. Please contact us for a form or visit
our website.
You can also update non-binding beneficiary nominations on My portfolio
(amp.com.au/myportfolio).

Registered to BPAY Pty Ltd ABN 69 079 137 518

Page 7 of 8

Additional information
Important
We are obliged to provide you with the information you need to understand your account and benefit entitlements. The additional
information below supports and explains the details contained in this document. Please also refer to the Product Disclosure Statement
(PDS) for your product or visit customsuper.amp.com.au for more information.
If you have any further questions about any aspect of your account, including investment options, benefits (including insurance benefits),
fees and charges that apply or how to make contributions to your account, please call your financial planner or contact a Customer Service
Officer at AMP.
Please note that some of the information below may not apply to your account.

Statement notes
The following topics may be referenced in
your statement:

Withdrawal benefit
Your withdrawal benefit may be made up
of one (or both) of the following amounts:
i. for non-unitised investment options (if
applicable), the balance of these
options, including investment return
ii. for other investment options (if
applicable), the number of units you
have, multiplied by their unit price.
Your withdrawal benefit amount may
change as a result of:
i. any transactions after the withdrawal
date eg contributions, fees and charges,
insurance premiums, and earnings
(which may be positive or negative).
ii. unit prices changing each day (ie they
can rise and fall), so your account value
also changes to reflect the new prices.

Account number: 964018870

Complaints handling
We want to resolve customer complaints
and have a process in place to do this. If you
have a complaint, please initially contact a
Customer Service Officer at AMP.
However, if you are not satisfied with the
outcome to a complaint, you may seek an
independent resolution by referring it to
the Superannuation Complaints Tribunal.

Family accounts
Your plan may have a family account category,
which your family members can apply to join.
For more information on family accounts,
please contact us.

Personal details

Contact them by phone on 1300 884 114.

If any of your details in this statement are

incorrect or missing, please advise us by
contacting a Customer Service Officer at AMP.

Disclaimer

Protecting small accounts

This document does not take into account

your financial situation, objectives and
needs. Before you make any investment
decision, it is important that you consider
these matters and read all parts of the
Product Disclosure Statement (PDS)including
the Plan Summary, Member Guide,
Investment Guide Fact Sheets and
Insurance Guide Fact Sheetswhich apply
to your plan. Any advice in this document
is provided by AMP Superannuation Limited
(ASL), ABN 31 008 414 104, AFSL No.
233060, which is part of the AMP group of
companies. ASL is the trustee of the AMP
Superannuation Savings Trust, ABN 76 514
770 399, of which your plan is a part.

If your account value is under $1,000 when we

send your Member Statement, or when you
leave this account, AMP protects the balance
by rebating any fees that are in excess of the
change in the value of your investment options.

Page 8 of 8