TABLE OF CONTENTS

1. ABouT STuDENT SuPER PRoFESSIoNAL SuPER 2

2. How SuPER woRkS 2

3. BENEFITS oF INvESTINg wITH STuDENT SuPER PRoFESSIoNAL SuPER 3

4. RISkS oF SuPER 3

5. How wE INvEST youR MoNEy 3

6. FEES AND coSTS 5

7. How SuPER IS TAxED 7

8. How To oPEN AN AccouNT 8

Student SuperProfessional SuperProduct DisclosureStatementEffective 16 January, 2018

This is general information only and does not takeaccount of your individual investment objectives,financial situations or needs. Before acting on it,consider if the information is appropriate and whetheryou need to speak to an accredited professional. This product is issued by Tidswell Financial Services Ltd(ABN 55 010 810 607, AFSL No. 237628, RSE L0000888)as trustee for Student Super Professional Super which is asub-fund of the Tidswell Master Superannuation Plan (ABN 34 300 938 877, RSE R1004953). Student SuperProfessional Super Pty Ltd (ABN 31 617 160 791; AFSL No.499786) is the Founder and Promoter of Student SuperProfessional Super which is marketed under two brands;Student Super and Professional Super.

2 Student Super Professional Super Product Disclosure Statement | January 2018

DetailsThe information in this document forms part of the StudentSuper Professional Super (the Fund) Product DisclosureStatement (PDS) and will remain in force unless withdrawn bythe Issuer.This PDS (Part 1) is a summary of significant informationabout investing in the Fund and contains a number ofreferences to important information contained in theReference Guide (Part 2) (which forms part of this PDS).You should consider this information before making adecision about the Fund.The information provided in this PDS is general informationonly and does not take account of your personal financialsituation or needs. You should obtain financial advicetailored to your personal circumstances.This PDS (and the Reference guide) are current as at 16January 2018 and may change. updated information that isnot materially adverse is available free of charge by calling1300 646 960 (Student Super) or 1300 707 746 (ProfessionalSuper) or emailing us at hello@studentsuper.com.au orhello@professionalsuper.com.au.This superannuation product is issued by Tidswell FinancialServices Ltd ABN 55 010 810 607, AFS Licence No. 237628,RSE Licensee L0000888 (Trustee), an approved Trusteeregulated by the Australian Prudential Regulation Authority(APRA).The Founder and Promoter of the Fund is Student SuperProfessional Super Proprietary Limited (ABN 31 617 160 791,AFS Licence No. 499786).If you invest in the Fund you can access a copy of the PDS andany matter in writing that is applied, adopted or incorporated bythe PDS from these websites; www.studentsuper.com.au andwww.professionalsuper.com.au. Alternatively, you can requesta copy of this information free of charge by contacting MemberServices on 1300 646 960 (Student Super) or 1300 707 746(Professional Super).

1. ABOUT STUDENT SUPER PROFESSIONALSUPER

Student Super Professional Super has been designedspecifically for students and young professionals. The Fund ismarketed under two brands – Student Super and ProfessionalSuper. we’ve tailored the experience of the Student Superwebsite and app for students, and the Professional Superwebsite and app for young professionals. The Fund is managed by the Trustee. It is administered inaccordance with the trust deed and rules of the TidswellMaster Superannuation Plan. The Fund is a superannuation product designed to help youaccumulate and grow your super savings tax-effectively, asyou progress from student through to working life. As a

Student Super Professional Super member, you haveexposure to investments in Macquarie funds1 when yourbalance has reached $1,500.you may become a member of the Fund while your super is inthe ‘accumulation’ phase. The Fund has been designed to protect your balance whenyou are starting out with superannuation. your fees will beautomatically discounted when your balance is under $5,000.Members with balances under $1,000 will be charged zerofees, and members with balances between $1,000 and$4,999 will receive a 50% discount on the weeklyadministration fee.The Fund’s investment direction has been established withthe aim of protecting the capital of low balance members.whilst your balance is under $1,500 it will be wholly investedin the cash investment option. As your balance grows tobetween $1,500 and $4,999 it will be wholly invested in thegrowth investment option. once your balance reaches$5,000 you will be able to make a choice about how youwould like your balance to be invested.we do not offer default insurance, as insurance premiums canerode low super balances. you can find more information about the Trustee and executiveremuneration disclosure for the Fund and any other documentthat must be disclosed under superannuation law on theTrustee’s website atwww.tidswell.com.au/apra-trustee/governance/.

2. HOW SUPER WORKS Super is a long-term investment and a tax-effective means ofsaving for your retirement which is, in part, compulsory.There are different types of contributions available (forexample employer contributions, voluntary contributions andgovernment co-contributions). Tax savings are provided bythe government in return for investing in super. Most peoplehave the right to choose the super fund they wish to invest in.The money you invest in super is generally not available untilyou retire.Many students and young professionals have multiple superaccounts. Having multiple super accounts could mean you’repaying multiple fees and charges, which may reduce youroverall superannuation balance. Student Super ProfessionalSuper can help you combine your existing super accounts intoyour Student Super Professional Super account. our Super Search Party can help you find your super accountsand consolidate them into Student Super Professional Super.The Super Search Party will guide you through the searchprocess and will enable you to choose which accounts you’dlike to move into your Student Super Professional Superaccount.

You should read the important information about ‘Howsuper works’ before making a decision. Go to thesection ‘How super works’ in the Reference Guideavailable at www.studentsuper.com.au/reference-guideand www.professionalsuper.com.au/reference-guide.The material relating to ‘How super works’ may changebetween the time when you read this PDS and the daywhen you acquire the product.

1. Macquarie Investment Management Australia Limited ABN 55092 552 611 (Macquarie) has consented to be named in thisPDS and has not withdrawn its consent at the date ofpublication of this PDS. Macquarie has not authorised orcaused the issue of this PDS. None of Macquarie or any of itsrelated parties acts as the trustee, manager, adviser, sponsor,promoter or agent of Tidswell Financial Services Ltd or StudentSuper Professional Super Proprietary Limited, in connectionwith Student Super Professional Super.

Student Super Professional Super Product Disclosure Statement | January 2018 3

3. BENEFITS OF INVESTING WITH STUDENTSUPER PROFESSIONAL SUPER

Student Super Professional Super offers you:(a) An easy way to get your super organised,(b) Student friendly fees with no flat dollar or percentage

based fees for balances under $1,000,(c) Exposure to investments in Macquarie funds2 for

balances that have reached $1,500, and(d) Super that can grow with you as you transition from

student to young professional.

Keeping you organised:Student Super Professional Super provides you with:

Access to our Super Search Party feature to find and■

consolidate your other super accounts, The ‘My First Day’ feature which makes it easy to bring■

your Student Super Professional Super account with youwhen you change jobs,online access to your account via the Student Super and■

Professional Super apps and websites, andAn annual member statement that explains how your■

super is progressing.

Help when you need itour team are available to help you manage your Student SuperProfessional Super account and answer questions on Super ingeneral. you can contact us at:

Student Superwebsite www.studentsuper.com.auEmail hello@studentsuper.com.auPhone 1300 646 960

Professional Superwebsite www.professionalsuper.com.auEmail hello@professionalsuper.com.auPhone 1300 707 746

4. RISKS OF SUPERAll investments carry some level of risk, including super, and itis important to understand what these risks are.Different strategies may carry different levels of risk,depending on the investments that make up the strategy.

generally, investments with the highest long-term returns alsocarry the highest level of short-term risk.Before investing, you should consider the level of risk involvedwith the particular investment option and whether thepotential returns justify those risks.The significant risks of investing in Student Super ProfessionalSuper are market, inflation, operational and currency risks.Before investing, you should consider the level of risk involvedwith the particular investment option and whether thepotential returns justify those risks. Refer to the Referenceguide for more detailed information.when considering your super investment, it is also importantto understand that:(a) the value of your investment will vary;(b) returns are not guaranteed, and you may lose some of

your money;(c) the level of returns will vary and future returns may differ

from past returns;(d) your future super savings (including your contributions

and returns) may be insufficient to adequately meet yourretirement needs; and

(e) your investment may be affected by changes tolegislation, particularly in relation to super laws, whichmay change in the future.

The level of risk that is acceptable to you will vary depending ona range of factors, including your age, your investment time -frame, your risk tolerance and what other investments you hold.All super products are generally subject to some or all the risksdescribed above. your financial adviser can help you toestablish an investment profile that suits your needs in orderto manage these risks.

5. HOW WE INVEST YOUR MONEYThe Fund has established an investment direction with theaims of protecting the capital of low balance members. when you join the Fund, you must consent to your superaccount being invested in accordance with the Fund’sinvestment direction. This means that:(a) your super balance will be wholly invested in the cash

investment option until it reaches $1,500. (b) when your super balance is between $1,500 and $4,999

it will be wholly invested in the growth investment option.(c) when your super balance reaches $5,000 it will remain

invested in the growth investment option unless youchoose to invest it in one of the Fund’s other investmentoptions.

If your balance falls below $1,500 your balance will remaininvested in the growth investment option, and you will not betransferred back to the cash investment option. Similarly, ifyou make the choice of investing the whole of your balance inany one of the following three options, your balance willremain invested in the option that you chose even if yourbalance falls below $5,000.

You should read the important information about‘Benefits of investing with the Fund’ before making adecision. Go to the section ‘Benefits of investing withthe Fund’ in the Reference Guide available atwww.studentsuper.com.au/reference-guide andwww.professionalsuper.com.au/reference-guide. Thematerial relating to the key features of the Fund maychange between the time when you read this PDS andthe day when you acquire the product.

You should read the important information about ‘Risksof Super’ before making a decision. Go to the section‘Risks of super’ in the Reference Guide available atwww.studentsuper.com.au/reference-guide andwww.professionalsuper.com.au/reference-guide. Thematerial relating to the risks of super may changebetween the time when you read this PDS and the daywhen you acquire the product.

2.Macquarie Investment Management Australia Limited ABN 55092 552 611 (Macquarie) has consented to be named in thisPDS and has not withdrawn its consent at the date ofpublication of this PDS. Macquarie has not authorised orcaused the issue of this PDS. None of Macquarie or any of itsrelated parties acts as the trustee, manager, adviser, sponsor,promoter or agent of Tidswell Financial Services Ltd or StudentSuper Professional Super Proprietary Limited, in connectionwith Student Super Professional Super.

4 Student Super Professional Super Product Disclosure Statement | January 2018

once your balance reaches $5,000 the Fund offers you thefollowing investment options:(a) High growth(b) growth(c) BalancedThese investment options cover the following major assetclasses; cash, Australian Fixed Interest, International FixedInterest, Property, Australian Shares, International Shares andAlternative Assets.Each of these investment options will have differentexposures to the asset classes listed above. For moreinformation please refer to the Reference guide. Warning: when choosing the investment options in which toinvest your super, you should consider the level of risk, likelyinvestment return and your investment timeframe.we regularly undertake a review of the investment optionsavailable through the Fund and may change, add, close orterminate an investment option at any time.A description of each investment option is contained in theReference guide. An example of the information for thegrowth investment option is shown in the following table.Description: The growth investment option has been designedfor students and young professionals who are starting out withsuper and will be investing for the long term. The growthinvestment option has a strong bias towards growth assets,such as Australian and international shares and property, with asmaller allocation towards defensive assets such as fixedinterest securities and cash. This option is designed for thosewho are investing over the longer term and are prepared toaccept a higher level of performance volatility for the chance toachieve greater returns. The growth investment option isdesigned to provide comparable levels of performance volatilityto the High growth investment option, and the capacity toachieve higher returns than the Balanced investment option.

Strategic asset allocationRepresentative asset allocation % as at 16 January 2018

Changing your investment optiononce your balance has reached $5,000 you can select andswitch investment options at any time by completing theonline form on the member websites or apps. A switch will beeffected as soon as reasonably practicable upon receipt of avalid instruction. There are no administration charges levied with respect toinvestment switches; however a buy/sell differential mayapply. Investment switches are processed using the sell (orexit) price of units being sold and the buy (or entry) price ofunits being purchased. A buy/sell price differential isrepresentative of the cost to members in the buying andselling of the underlying assets with respect to the choseninvestment option.

Socially Responsible InvestingThe various underlying investment managers have their ownpolicy on the extent to which labour standards orenvironmental, social or ethical considerations are taken intoaccount when making investment decisions.whether an investment manager has such a policy, or thecontents of such a policy, is not considered by the Trusteewhen selecting or monitoring investment managers. Furtherwe do not currently require the investment managers weappoint to take any such considerations into account whenmaking their investment decisions.The Trustee utilises the investment expertise of an investmentmanager who has proven its ability to perform over a numberof years.

Macquarie Investment Management3Macquarie Investment Management Australia Limited(Macquarie) is the Responsible Entity of funds into which theFund invests. As a Student Super Professional Super member,you have exposure to investments in Macquarie funds if yourbalance is above $1,500. Their innovative approach toinvesting helps keep your fees low.

Strategic AssetAllocation

Asset AllocationRange

Australian Shares 27% 0-70%

International Shares 50% 0-70%

Australian Property 4% 0-20%

International Property 5% 0-20%

Global Infrastructure 4% 0-15%

Fixed Income 0% 0-15%

Cash 10% 0-15%

Investment objectives cPI + 4% p.a.

Minimum suggestedtime horizon 10 years

Level of investmentrisk (standard riskmeasure)

Risk Level: Level 6Risk Label: High

Probability of a negative return: 4 to less than 6 in any 20 year period

Major risks faced counterparty risk, market risk andindex tracking error risk

You should read the important information about ‘How weinvest your money’ before making a decision. Go to thesection ‘How we invest your money’ in the ReferenceGuide available at www.studentsuper.com.au/reference-guide and www.professionalsuper.com.au/reference-guideThe material relating to ‘How we invest your money’ maychange between the time when you read this PDS and theday when you acquire the product.

3.Macquarie Investment Management Australia Limited ABN 55092 552 611 (Macquarie) has consented to be named in thisPDS and has not withdrawn its consent at the date ofpublication of this PDS. Macquarie has not authorised orcaused the issue of this PDS. None of Macquarie or any of itsrelated parties acts as the trustee, manager, adviser, sponsor,promoter or agent of Tidswell Financial Services Ltd or StudentSuper Professional Super Proprietary Limited, in connectionwith Student Super Professional Super.

Student Super Professional Super Product Disclosure Statement | January 2018 5

6. FEES AND COSTS

Main fees and costs for the Growth investment optionThis section provides a summary of the main fees and costsapplicable to the Fund. It also provides an example using thegrowth investment option. This table can be used to comparethe fees and costs of this Fund with the fees and costs ofother super products.Full details of all fees and costs are contained in the Referenceguide.The fees and costs can be paid directly from your accountbalance or deducted from investment returns or from theassets of the Fund as a whole.All fees and costs are shown gross of income tax orcontribution taxes (but including gST and any applicable stampduty).

*Defined feesFor further information regarding the definitions for each typeof fee referred to in the above table, refer to the ‘Fees andcosts’ section in the Reference guide which can be obtainedfrom our websites: www.studentsuper.com.au andwww.professionalsuper.com.au, or by contacting us on 1300646 960 (Student Super) or 1300 707 746 (ProfessionalSuper).**Advice feeswarning: If you consult a financial adviser to obtain financialproduct advice, additional fees may be payable to yourfinancial adviser. your adviser should give you a Statement ofAdvice detailing these fees.***Other fees and costsyou may also incur other fees and costs such as:

activity fees like, expense recovery fees, ■

and family law fees,external advice fees, and ■

taxes. ■

See the ‘Additional Explanation of Fees and costs’ in the ‘Feesand costs’ section in the Reference guide for further details.Also see the other parts of this document for informationabout fees and taxes.

DID YOU KNOW?Small differences in both investment performanceand fees and costs can have a substantial impact onyour long term returns.For example, total annual fees and costs of 2% ofyour account balance rather than 1% could reduceyour final return by up to 20% over a 30 year period(for example reduce it from $100,000 to $80,000).You should consider whether features such assuperior investment performance or the provision ofbetter member services justify higher fees and costs.You or your employer, as applicable, may be able tonegotiate to pay lower fees. Ask the fund or yourfinancial adviser.

TO FIND OUT MOREIf you would like to find out more, or see the impact of thefees based on your own circumstances, the AustralianSecurities and Investments Commission (ASIC) website(www.moneysmart.gov.au) has a superannuationcalculator to help you check out different fee options.

Growth Investment Option

Type of fee* Amount How and when paid

Investment fee Nil Not applicable

Administrationfee

weeklyadministration fee:$78 p.a. ($1.50 perweek) plusPercentage basedadministration fee:0.99% p.a.

The weeklyadministration feecomponent isdeducted monthlyfrom your accountbalance. Thepercentage basedadministration fee isdeducted from theassets of the Fundbefore unit pricesare calculated.

Buy-sell spread 0.2395% /0.2404%

Deducted on atransactional basisevery time units inan investmentoption are boughtand sold, and isreflected in the unitprice.

Switching fee Nil Not applicable

Exit fee $52 Deducted from youraccount on eachwithdrawal from theFund.

Advice fees** Nil Not applicable

Other fees andcosts***

The amountpayable will dependon each member’spersonalcircumstances.

Indirect costratio

Nil Not applicable

6 Student Super Professional Super Product Disclosure Statement | January 2018

Fee discounts for low balance customersStudent Super Professional Super’s pricing strategy has beendesigned to protect your balance when you are starting outwith superannuation. If you have a balance below $5,000 youwill automatically receive discounted pricing:

Members with balances under $1,000 will be charged■

zero fees. There are no hidden fees and costs, anycharges will be rebated to your account. Fees will berebated to your account on a monthly basis. Rebates arebased on your balance as at the end of the month.Members with balances under $1,500 are wholly investedin the cash investment option.

Members with balances between $1,000 and $4,999■

receive a 50% discount on the weekly administrationfee. All other fees and charges, including the percentagebased administration fee, apply. Fees will be rebated to youraccount on a monthly basis. Rebates are based on yourbalance as at the end of the month. Members with balancesbelow $1,500 are wholly invested in the cash investmentoption. Members with balances between $1,500 and$4,999 are wholly invested in the growth investment option.

*Defined feesFor further information regarding the definitions for each typeof fee referred to in the above table, refer to the ‘Fees andcosts’ section in the Reference guide which can be obtainedfrom our websites: www.studentsuper.com.au andwww.professionalsuper.com.au, or by contacting us on 1300646 960 (Student Super) or 1300 707 746 (ProfessionalSuper).**Advice feeswarning: If you consult a financial adviser to obtain financialproduct advice, additional fees may be payable to yourfinancial adviser. your adviser should give you a Statement ofAdvice detailing these fees.***Other fees and costsyou may also incur other fees and costs such as:

activity fees like, expense recovery fees, ■

and family law fees,external advice fees, and ■

taxes. ■

See the ‘Additional Explanation of Fees and costs’ in the ‘Feesand costs’ section in the Reference guide for further details.Also see the other parts of this document for informationabout taxes.

Type of fee or cost* Amount How and when paid

Investment fee Nil Not applicable

Administration fee Nil Not applicable

Buy-sell spread Nil Not applicable

Switching fee Nil Not applicable

Exit fee Nil Not applicable

Advice fees relating to allmembers investing in ainvestment option

Nil Not applicable

Other fees and costs Nil Not applicable

Indirect cost ratio Nil Not applicable

Type of fee or cost*

Amount How and when paid

Investment fee Nil Not applicable

Administrationfee

weeklyadministrationfee $39 p.a.($0.75 perweek) plusPercentagebasedadministrationfee: 0.99% p.a.

The weeklyadministration feecomponent is deductedmonthly from youraccount balance. Theother administration feecomponent is deductedfrom the assets of theFund before unit pricesare calculated.

Buy-sell spread cash: 0%growth:0.2395% /0.2404%

Deducted on atransactional basisevery time units in aninvestment option arebought and sold, and isreflected in the unitprice.

Switching fee Nil Not applicable

Exit fee $52 Deducted from youraccount on eachwithdrawal from theFund. This is in additionto the buy/sell spread.

Advice feesrelating to allmembersinvesting in ainvestmentoption**

Nil Not applicable

Other fees andcosts***

The amountpayable willdepend oneach member’spersonalcircumstances.

Please refer to ‘Section5.3 AdditionalExplanation of Fees andcosts’ below.

Indirect costratio

Nil Not applicable

Student Super Professional Super Product Disclosure Statement | January 2018 7

Changing the feesThe Trustee reserves the right to automatically change anyfees and costs in line with movements in the consumer PriceIndex (cPI) on the 1st of July each year. we reserve the rightto change any of our fees and costs outside the levels shownabove without your consent. Any increase will only take effectafter the Trustee has provided you with 30 days’ writtennotice.See the ‘Fees and costs’ section in the Reference guide forfurther details.

Example of annual fees and costsThis table gives an example of how the fees and costs in thegrowth investment option for this superannuation product canaffect your superannuation investment over a 1 year period.you should use this table to compare this product with othersuper products.

Note: Additional fees may apply. If you leave thesuperannuation entity, you may be charged an exit fee of $52and a buy/sell spread which also applies whenever you make acontribution, exit, rollover or investment switch. The buy/sellspread for exiting the growth option is 0.2395%/0.2404%(This will equal $120.20 for every $50,000 you withdraw).

ASIC CalculatorThere is a calculator provided by ASIc on its MoneySmartwebsite which can be used to calculate the effect of fees andcosts on account balances. visit www.moneysmart.gov.aufor more information.

7. HOW SUPER IS TAXEDThere are a number of ways that super is taxed: oncontributions, on investment earnings and on withdrawals.Taxes charged within the Fund are deducted from youraccount as and when required or when you leave the Fund.Tax on super is complex. The information provided is generalin nature and we recommend that you seek advice from aregistered tax agent to determine your personal obligations.

Tax on contributions

+ This tax is 30% for members with eligible income over$250,000.Warning: contributions made to your account in the Fund willcount towards your contribution limits. Additional tax andcharges may be payable if you exceed these limits. you should monitor the amount of your contributions to theFund to ensure that you do not exceed the caps that apply toyou. Refer to the Reference guide for more information.

Tax on investment incomeInvestment income is generally taxed at 15%, but offsets (taxcredits and rebates) apply which may reduce the effective taxrate. Tax is deducted from investment income before weeklyunit prices are determined.

Tax on your super benefitswithdrawals from your super account may be taxed if you areaged less than 60 and any applicable tax will be withheld fromyour benefit payment. Read the Reference guide for furtherinformation. once you turn 60, generally no tax applies towithdrawals unless you are a temporary resident.

Providing your tax file number (TFN)Warning: when you join the Fund, you should provide uswith your TFN. If you choose not to provide your TFN then:(a) you may pay a higher rate of tax on your benefits;(b) it may be more difficult to locate or consolidate your

super benefits in the future or to receive benefits;(c) we will be unable to accept after-tax contributions from

you; and(d) higher tax may be paid on your concessional

contributions.

Example: Growth Balance of $50,000

Investment fees Nil Not applicable

PLUS

Administrationfees

weeklyadministration fee: $78 p.a.

($1.50 per week) plus

Percentage basedadministration fee:

0.99% p.a.

you will be charged $573 inadministration fees each year.

PLUS

Indirect costs Nil Not applicable

EQUALS

cost of theProduct utilisingthe growthinvestment option.

If your balance was $50,000, then for that year, you would be

charged fees of $573.00.

what it actually costs you will depend on your account balance.

You should read the important information about ‘Feesand costs’ before making a decision. Go to the section‘Fees and costs’ in the Reference Guide available atwww.studentsuper.com.au/reference-guide andwww.professionalsuper.com.au/reference-guide.The material relating to ‘Fees and costs’ may changebetween the time when you read this PDS and the daywhen you acquire the product.

Tax payable

Employer contributions yes, at 15%+

Salary sacrifice contributions yes, at 15%+

Personal contributions No

Co-contributions No

8 Student Super Professional Super Product Disclosure Statement | January 2018

This excess may be reclaimed if you provide the Fund withyour TFN within the same financial year or the following threeyears.

8. HOW TO OPEN AN ACCOUNTBefore deciding to apply for membership of the Fund youshould read this PDS and the Reference guide.To apply, you should complete the online application on ourwebsites www.studentsuper.com.au andwww.professionalsuper.com.au or you can complete theonline application via the Student Super and ProfessionalSuper apps.

Cooling-off periodwhen you initially invest in the Fund you will have theopportunity to review your investment to ensure it meets yourexpectations. This is known as a ‘cooling-off’ period.If you are not satisfied with the investment you have made,you may cancel your initial application within 14 days of theearlier of:(a) the date you receive our email Letter of Acceptance; or(b) 5 business days after your application is accepted.If you cancel your investment within the cooling-off period,you may have it rolled over to another super fund or, if eligible,have it paid to you. your initial investment amount will beadjusted for any changes in the unit price of the investmentoption selected, less any transaction costs.Amounts paid to the Fund may accrue interest in the Fund’saccounts pending the issue of units or the return ofapplication monies to you. Any such interest will be retainedby the Fund.If you want to cancel your initial application, please notify us inwriting at hello@studentsuper.com.au orhello@professionalsuper.com.au.

Inquiries and complaints processwe pride ourselves on our member service and will endeavourto solve your concerns quickly and fairly. If you have an inquiryregarding your super account, you should either email ourMember Services team at feedback@studentsuper.com.auor feedback@professionalsuper.com.au, or phone us on1300 646 960 (Student Super) or 1300 707 746 (ProfessionalSuper). If you wish to lodge a complaint with the Fund, youshould write to us:Via email:feedback@studentsuper.com.au orfeedback@professionalsuper.com.auor via post:The Inquiries and complaints officer56 Meagher Streetchippendale NSw 2008we will endeavour to deal with your complaint promptly and inany event, within 90 days of receipt.If you are not satisfied with the outcome of your complaint,you can contact the Superannuation complaints Tribunal(ScT), which offers free dispute resolution external to theFund.Please note that before the ScT will investigate yourcomplaint, they generally require you to have first provided uswith the opportunity to address the complaint.The ScT is a statutory body that deals with complaints aboutthe decisions and conduct of superannuation providers,including trustees of super funds, relating to members, butnot in relation to decisions and conduct relating to themanagement of a fund as a whole.Write to:Superannuation complaints Tribunal Locked Mail Bag 3060 MELBouRNE vIc 3001Phone: 1300 884 114Fax: (03) 8635 5588Email: info@sct.gov.auWeb: www.sct.gov.au

You should read the important information about ‘Howto open an account in Student Super ProfessionalSuper’ before making a decision. Go to the section ‘Howto open an account in Student Super ProfessionalSuper’ in the Reference Guide available atwww.studentsuper.com.au/reference-guide andwww.professionalsuper.com.au/reference-guide. Thematerial relating to how to open an account may changebetween the time when you read this PDS and the daywhen you acquire the product.

You should read the important information about ‘Howsuperannuation is taxed’ before making a decision. Go tothe section ‘How superannuation is taxed’ in theReference Guide available atwww.studentsuper.com.au/reference-guide andwww.professionalsuper.com.au/reference-guide. Thematerial relating to ‘How superannuation is taxed’ maychange between the time when you read this PDS and theday when you acquire the product.