The underlying fees and costs for each investment optiondisclosed in this document have either been sourced from anexternal research provider or directly from the relevant fundmanager and have not been independently verified by theTrustee or the administrator.

Management costs are the ongoing fees and expenses ofinvesting in an investment option and include managementfees, expense recoveries, performance fees (if applicable) andindirect costs.

As well as management costs, transactional and operationalcostswill generally be incurredwhendealingwith theunderlyingassets of an investment option. They includebrokerage, clearingcosts, stamp duty, the buy and sell spreads of any underlyingfunds and certain costs associated with holding derivatives ordirect investments in real property. The net transactional andoperational costs shownare after any amounts recovered by thecharging of a buy/sell spread.

In addition, some investment options that have underlyinginvestments that use credit facilities to gain increased assetexposures will also incur borrowing costs. Borrowing costsinclude interest, government charges and debt advisory costs.Whereborrowing costs are disclosedby the fundmanager, theseare detailed in this document. Before selecting an investmentoption, you should refer to the latest costs set out in thatinvestment option's current product disclosure statement.

For more information on fees and costs please refer to theSummit Personal Super andPersonal PensionProductDisclosureStatement (PDS) or theSummitMoneyMaster InvestorDirectedPortfolio Service Guide (IDPS).

All investment instructions must be submitted electronicallythrough North® Online at northonline.com.au/summit.

Contents

2Summit / North Select investment options

3Investor Select investment options

22Standard risk measure

22Important information

This document outlines the investment optionsavailable through the Summit Personal Super andPension product disclosure document (PDS) andSummit Money Master investor directed portfolioservice (IDPS) guide.

Summit offers a range of investment options featuring:

– over 330 managed funds– managed portfolios– listed securities on theAustralianSecurities Exchange

(ASX)– exchange traded funds (ETFs), exchange traded

commodities (ETCs) and exchange traded bonds(ETBs)

– listed investment companies (LICs) and listedinvestment trusts (LITs)

– Australian real estate investment trusts (AREITs), and– term deposits.Fromtime to time,we'll addor remove investmentoptions.We recommend you consult your financial adviser beforeselecting the specific investment options for yourinvestment strategy.

Summit® investment options

Issue date 29 August 2020® Summit & North are registered trademarks of NMMT Limited ABN 42 058 835 573

Summit / North Select investment optionsManaged funds

Riskband (i)

Buy/SellSpread (%)

BorrowingCosts (%)

TransactionalandOperationalCosts (%)

ManagementCosts (%) (ii)

Fund nameAPIR code

Multisector

Conservative

30.08/0.12N/A0.020.46North Index Defensive (iii)NMM0111AU

30.16/0.150.020.210.87SUMMIT Select Diversified Active - DefensiveNMM0106AU

Moderately Conservative

40.10/0.13N/A0.020.46North Index Moderately Defensive (iii)NMM0112AU

40.18/0.170.020.190.90SUMMIT Select Diversified Active - Moderately DefensiveNMM0107AU

Cautious

50.11/0.12N/A0.060.83AMP Capital Income Generator (iv)IPA0075AU

Balanced

50.19/0.200.050.480.81AMP Capital Core Retirement FundAMP3254AU

50.12/0.13N/A0.010.46North Index Balanced (iii)NMM0113AU

50.18/0.170.140.301.68North Professional Alternative BalancedIPA0057AU

50.19/0.170.030.181.02SUMMIT Select Diversified Active - BalancedNMM0108AU

Moderately Aggressive

60.13/0.11N/A0.010.46North Index Growth (iii)NMM0114AU

60.19/0.170.030.161.10SUMMIT Select Diversified Active - GrowthNMM0109AU

Aggressive

60.15/0.13N/A0.010.46North Index High Growth (iii)NMM0115AU

60.20/0.17N/A0.141.13SUMMIT Select Diversified Active - High GrowthNMM0110AU

Specialist

50.17/0.190.290.441.16AMP Capital Multi Asset FundAMP1685AU

50.15/0.15N/A0.840.63AMP Capital Dynamic Markets Fund (v)AMP1932AU

(i) For information on the Standard Risk Measure, refer to the Standard Risk Measure section further in this document.(ii) Some fund managers may rebate a portion of the Management Costs. Any rebate received will be paid into your cash account. Please note

rebate amounts are subject to change.(iii) The registered name of each of these funds is different to that shown in this document. For more information, please refer to the fund's PDS.(iv) This investment option will distribute incomemonthly in cash. The investment option may also pay any realised capital gains and any other

distributable.(v) This investment option is closed to new investors. Existing investors that hold the fund can continute to purchase additional units.

Cash accountFor the current cash account investment fee, refer to the Fees and other costs section in theSummit Personal Super and PersonalPension PDS or the Summit Money Master IDPS Guide as applicable to you.

Please refer to northonline.com.au for the latest Cash Account performance report.

2

Investor Select investment optionsManaged funds

Riskband (i)

Buy/SellSpreads (%)

BorrowingCosts (%)

TransactionalandOperationalCosts (%)

ManagementCosts (%)

Fund nameAPIR code

Advantage Range

Fixed Interest

40.20/0.28N/A0.070.53AMP Capital Advantage Corporate Bond Fund (ii) (iii)AMP7750AU

Property and Infrastructure

60.05/0.05N/A0.082.10AMP Capital Advantage Core Infrastructure Fund (iii)AMP8292AU

70.30/0.30N/A0.250.82AMP Capital Advantage Global Property Securities Fund(iii)AMP3259AU

(i) For more information on the Standard Risk Measure, refer to the Standard Risk Measure section of this document.(ii) The investment option will distribute incomemonthly in cash. The investment option may also pay any realised capital gains and any other

distributable.(iii) This investment option is closed to new investors. Existing investors that hold the fund can continue to purchase additional units.

All other managed funds available through the Investor Select menu.

Riskband (i)

Buy/SellSpread (%)

BorrowingCosts (%)

TransactionalandOperationalCosts (%)

ManagementCosts (%) (ii)

Fund nameAPIR code

Multisector

Conservative

40.15/0.20N/ANil0.94Aberdeen Standard Multi Asset Income Fund (iii) (iv)CRS0001AU

30.10/0.10N/ANil1.41Allan Gray Australia Stable FundETL0273AU

30.09/0.110.020.070.69BlackRock Scientific Diversified Stable FundBAR0811AU

2Nil/0.57N/A0.100.83Macquarie Master Capital Stable FundMAQ0059AU

30.17/Nil0.140.200.88Pendal Active Conservative FundBTA0805AU

30.10/0.16N/A0.070.29Vanguard Conservative Index FundVAN0109AU

Cautious

30.16/0.34N/A0.121.00UBS Defensive Investment Fund (iv)SBC0814AU

Balanced

50.17/0.960.060.411.09AMP Capital Ethical Leaders Balanced Fund (iv)AMP0452AU

60.16/0.160.040.070.79BlackRock Scientific Diversified Growth FundBAR0813AU

50.18/0.180.040.050.85BlackRock Tactical Growth FundPWA0822AU

50.20/0.35N/A0.100.97Colonial First State Diversified Fund (W)FSF0008AU

5Nil/0.41N/A0.020.93Macquarie Master Balanced FundMAQ0058AU

50.15/0.150.040.120.95MLCWholesale Horizon 4 Balanced PortfolioMLC0260AU

50.29/Nil0.140.191.00Pendal Active Balanced FundRFA0815AU

50.30/NilN/A0.231.05Perpetual Balanced Growth Fund (W)PER0063AU

3

Riskband (i)

Buy/SellSpread (%)

BorrowingCosts (%)

TransactionalandOperationalCosts (%)

ManagementCosts (%) (ii)

Fund nameAPIR code

50.24/0.29N/A0.211.10UBS Balanced Investment Fund (iv)SBC0815AU

50.09/0.12N/A0.040.29Vanguard Growth Index FundVAN0110AU

40.10/0.15N/A0.070.29Vanguard Balanced Index FundVAN0108AU

Aggressive

50.13/0.130.220.161.57AMP Capital Premium Growth Fund (iv)IPA0178AU

60.08/0.09N/A0.020.29Vanguard High Growth Index FundVAN0111AU

Specialist

40.49/0.46N/ANil1.16Aberdeen Standard Multi Asset Real Return Fund (iv)CRS0002AU

5NilN/A0.310.75BlackRock Global Multi-Asset Income Fund (iii)BLK0009AU

40.10/0.11N/A0.170.89Perpetual Wholesale Diversified Real Return FundPER0556AU

60.20/0.20N/A0.111.07PineBridge Global Dynamic Asset Allocation FundPER0731AU

20.18/0.18N/A0.080.60Schroder Real Return CPI +3.5% Fund –Wholesale ClassSCH0096AU

30.20/0.20N/A0.100.90Schroder Real Return CPI +5% Fund - Wholesale ClassSCH0047AU

Cash

Cash and Deposits

1NilN/ANil0.17AMP Capital Cash Management Trust (W) (iii)NML0018AU

1NilN/A0.010.25UBS Cash Fund (iii)SBC0811AU

1NilN/ANil0.15Vanguard Cash Reserve Fund (iii)VAN0020AU

Short Term Fixed Interest

4Nil/0.76N/ANil0.31Macquarie Australian Diversified Income FundMAQ0204AU

3Nil/0.06N/A0.020.30UBS Cash Plus FundSBC0812AU

10.02/0.02N/A0.060.29Vanguard Cash Plus Fund (iii)VAN0102AU

Fixed Interest

Australian Fixed Interest

40.05/0.15N/A0.110.53Aberdeen Standard Australian Fixed Income Fund (iv)CRS0004AU

40.10/0.23N/A0.170.38AMP Capital Wholesale Australian Bond Fund (iii)AMP0981AU

30.05/0.05N/ANil0.55CC JCB Active Bond FundCHN0005AU

4Nil/0.50N/A0.010.35Janus Henderson Cash Enhanced FundIOF0047AU

7Nil/0.50N/A0.020.45Janus Henderson Tactical Income FundIOF0145AU

40.08/0.10N/A0.010.42Legg MasonWestern Asset Aust Bond Fund - Class A (iii)SSB0122AU

4Nil/0.48N/ANilNilMacquarie True Index Australian Fixed Interest (v)MAQ0211AU

40.03/0.03N/ANil0.25Pendal Enhanced Cash FundWFS0377AU

40.05/0.09N/A0.080.40Pendal Sustainable Australian Fixed Interest FundBTA0507AU

4Nil/0.35N/A0.060.54PIMCO EQT Australian Bond Fund (W)ETL0015AU

40.03/0.10N/A0.060.45UBS Australian Bond FundSBC0813AU

4

Riskband (i)

Buy/SellSpread (%)

BorrowingCosts (%)

TransactionalandOperationalCosts (%)

ManagementCosts (%) (ii)

Fund nameAPIR code

40.08/0.17N/A0.020.24Vanguard Australian Fixed Interest Index Fund (W)VAN0001AU

40.04/0.12N/ANil0.24Vanguard Australian Government Bond Index FundVAN0025AU

Diversified Fixed Interest

3Nil/0.10N/A0.120.65PIMCO EQT Diversified Fixed Interest Fund (W)ETL0016AU

40.12/0.17N/A0.110.50Schroder Fixed Income Fund - Wholesale ClassSCH0028AU

30.10/0.15N/A0.130.55UBS Diversified Fixed Income FundSBC0007AU

Global Fixed Interest

4NilN/A0.120.62Colchester Global Government Bond FundETL5525AU

3Nil/0.50N/A0.180.74PIMCO EQT Global Bond Fund (W)ETL0018AU

4NilN/A0.260.88PIMCO ESG Global Bond FundPIC6396AU

30.25/0.15N/A0.030.49UBS International Bond FundSBC0819AU

30.08/0.11N/A0.090.26Vanguard International Fixed Interest IndexFund (Hedged)(W)VAN0103AU

Annuities

3NilN/ANilNilChallenger Guaranteed Income Fund (4.00 cents pa 30Sep 2022) (iii) (x)MLT0010AU

4NilN/ANilNilChallenger Guaranteed Income Fund (2.35 cents pa 31August 2024) (iii)(x)MLT5528AU

4NilN/ANilNilChallenger Guaranteed Income Fund (2.03 cents pa 30Sep 2023) (iii) (x)MLT5897AU

Specialist

50.15/0.15N/A0.210.55AllianceBernstein Dynamic Global Fixed Income FundACM0001AU

30.05/0.05N/A0.180.50Ardea Real Outcome FundHOW0098AU

5NilN/A0.160.50Franklin Australian Absolute Return Bond FundFRT0027AU

6NilN/A0.340.85Franklin Templeton Multisector Bond Fund (W) (iv)FRT0011AU

40.15/0.15N/ANil0.58JPMorgan Global Strategic Bond FundPER0727AU

3Nil/0.15N/A0.080.55Kapstream Absolute Return Income Fund (W)HOW0052AU

50.09/0.09N/A0.070.70Legg Mason Brandywine Global Opportunistic FixedIncome Fund - Class ASSB0014AU

40.10/0.40N/ANil0.72Payden Global Income OpportunitiesGSF0008AU

5NilN/A0.080.91PIMCO Income Fund (iii)ETL0458AU

40.35/0.35N/A0.580.46T. Rowe Price Dynamic Global BondETL0398AU

Credit

40.20/0.28N/A0.070.63AMP Capital Corporate Bond Fund (iii)AMP0557AU

60.80/0.80N/A0.090.77Bentham Global Income Fund (W) (iii)CSA0038AU

61.50/1.50N/ANil0.84Bentham Syndicated Loan Fund (W) (iii)CSA0046AU

50.15/0.50N/A0.050.62Colonial First State Global Credit Income Fund (W) (iii)FSF0084AU

60.10/0.10N/A0.180.75Invesco Senior Secured Income Fund (W) (iii)CNA0805AU

5

Riskband (i)

Buy/SellSpread (%)

BorrowingCosts (%)

TransactionalandOperationalCosts (%)

ManagementCosts (%) (ii)

Fund nameAPIR code

5Nil/0.87N/A0.160.51Macquarie Income Opportunities Fund (iii)MAQ0277AU

30.10/0.10N/A0.170.71Perpetual Diversified Income Fund (W)PER0260AU

60.20/0.20N/ANil1.02PM Capital Enhanced Yield FundPMC0103AU

50.20/0.20N/A0.120.54Schroder Absolute Return Income Fund (W)SCH0103AU

50.08/0.35N/A0.040.60UBS Income Solution FundUBS0003AU

50.15/0.52N/A0.180.32Vanguard International Credit Securities IndexedHedgedFundVAN0106AU

10.10/0.10N/ANil0.50Yarra Enhanced Income Fund - Class AJBW9312AU

Property

Australian Property

7Nil0.631.090.97AMP Capital Wholesale Australian Property Fund (iv) (xiii)NML0001AU

70.25/0.25N/A0.101.03AMP Capital (W'sale) Listed Property Trusts - Class AAMP0255AU

70.25/0.25N/ANil0.85APN AREIT Fund (iii) (iv)APN0008AU

7Nil0.953.980.72Charter Hall Direct Industrial Fund No. 4 (vi) (vii)MAQ0854AU

5Nil/2.500.083.260.58Charter Hall Direct Office (W) (vi) (vii)MAQ0842AU

70.15/0.15N/A0.060.82Colonial Property Securities FundFSF0004AU

70.20/0.20N/A0.030.95Cromwell Phoenix Property Securities FundCRM0008AU

70.25/0.25N/A0.100.85Ironbark Paladin Property Securities FundPAL0002AU

60.25/0.25N/ANil0.85Legg Mason Australian Real Income FundSSB0026AU

70.25/0.25N/ANil0.74LeggMasonMartinCurrie Property Securities Fund - ClassA (iv)SSB0128AU

70.50/NilN/A0.280.65Pendal Property Securities FundBTA0061AU

70.25/0.25N/A0.140.85UBS Property Securities FundSBC0816AU

70.06/0.06N/A0.010.23Vanguard Australian Property Securities Index Fund (W)VAN0004AU

70.30/0.30N/ANil0.81Zurich Australian Property Securities FundZUR0064AU

Diversified Property

50.14/0.140.400.551.30AMP Capital Core Property Fund – Class A (vi)AMP1015AU

Global Property

70.30/0.30N/A0.290.97AMP Capital Global Property Securities FundAMP0974AU

70.20/0.20N/ANil1.05Resolution Capital Global Property Securities Fund(Hedged) – Series IIIOF0081AU

70.20/0.20N/A0.091.21Resolution Capital Property Securities FundWHT0015AU

70.25/0.25N/A0.210.90UBS Clarion Global Property Securities FundHML0016AU

70.07/0.07N/ANil0.40Vanguard International Property Securities Index FundVAN0018AU

70.09/0.09N/A0.040.43Vanguard International Property Securities Index Fund(Hedged)VAN0019AU

6

Riskband (i)

Buy/SellSpread (%)

BorrowingCosts (%)

TransactionalandOperationalCosts (%)

ManagementCosts (%) (ii)

Fund nameAPIR code

Australian Equities

Income

60.20/0.20N/A0.330.75AMP Capital Equity Income Generator (iii)AMP1905AU

60.10/0.10N/A0.071.22Colonial First State Equity Income Fund (W)FSF0961AU

60.20/0.20N/A0.140.96Colonial Wholesale Imputation Fund (iv)FSF0003AU

60.25/0.25N/A0.090.99Investors Mutual Equity Income FundIML0005AU

60.25/0.25N/ANil0.85Legg Mason Martin Currie Equity Income FundSSB0043AU

60.20/0.20N/A0.090.92Maple-Brown Abbott Australian Share Fund (W)ADV0046AU

60.20/0.20N/A0.230.95Merlon Australian Share Income Fund (W) (iii)HBC0011AU

60.25/0.25N/A0.270.85Nikko AM Australian Share Income FundTYN0038AU

60.05/0.05N/A0.020.35Vanguard Australian Shares High Yield FundVAN0104AU

70.25/0.25N/A0.460.97Vertium Equity Income FundOPS1827AU

Mid/Small/MicroCap

60.30/0.30N/A0.190.85Ausbil Australian Emerging Leaders FundAAP0104AU

70.25/0.25N/A0.581.65Bennelong Emerging Companies FundBFL3779AU

60.25/0.25N/A0.171.37Bennelong ex-20 Australian Equities FundBFL0004AU

70.30/0.30N/A0.311.70Eley Griffiths Group Emerging Companies FundPIM5346AU

60.30/0.30N/A0.261.70Eley Griffiths Small Companies FundEGG0001AU

60.25/0.25N/A0.601.20Fairview Equity Partners Emerging Companies FundANT0002AU

60.25/0.25N/A0.451.20Fidelity Future Leaders FundFID0026AU

60.25/0.25N/A0.180.99Investors Mutual Future Leaders Fund (W)IML0003AU

70.39/0.39N/A0.691.82Lennox Australian Small Companies FundHOW3590AU

60.30/0.30N/A0.050.90NovaPort Smaller Companies Fund (W)HOW0016AU

70.25/0.25N/A0.061.38Pendal MidCap FundBTA0313AU

60.50/NilN/A0.231.24Pendal Smaller Companies FundRFA0819AU

70.30/0.30N/A0.181.20Perennial Value Smaller Companies TrustIOF0214AU

70.05/0.05N/A0.150.58Realindex RAFI Small Companies Class AFSF0978AU

60.35/0.35N/A0.211.18SG Hiscock ICE FundETL0062AU

70.30/0.30N/A0.081.10Spheria Australian Small cap FundWHT0008AU

Large Cap

60.10/0.10N/ANil0.95Aberdeen Standard Ex-20 Australian Equities FundCRS0003AU

60.20/0.20N/ANil1.33Allan Gray Australia Equity FundETL0060AU

60.20/0.20N/ANil1.42Allan Gray Australian Equity - Class BETL0349AU

60.20/0.20N/A0.160.90Alphinity Australian Share (W)PAM0001AU

60.20/0.20N/A0.221.11Alphinity (W) Concentrated Australian Share FundHOW0026AU

60.20/0.20N/A0.130.95Alphinity Sustainable Share FundHOW0121AU

7

Riskband (i)

Buy/SellSpread (%)

BorrowingCosts (%)

TransactionalandOperationalCosts (%)

ManagementCosts (%) (ii)

Fund nameAPIR code

60.20/0.20N/A0.200.91AMP Capital Australian Equity Value Fund (W)NML0061AU

60.15/0.15N/A0.060.70Antares Elite Opportunities FundPPL0115AU

60.15/0.150.550.621.05Antares High Growth Shares Fund (iv)PPL0106AU

60.30/0.30N/A0.040.90Ausbil Australian Active Equity FundAAP0103AU

60.30/0.30N/ANil1.01Ausbil Active Sustainable EquityAAP3940AU

60.25/0.25N/A0.161.00Bennelong Australian EquitiesBFL0001AU

60.25/0.25N/A0.272.08Bennelong Concentrated Equities FundBFL0002AU

60.20/0.20N/A0.160.92Bennelong Twenty20 Australian Equities FundBFL0017AU

60.15/0.15N/A0.010.45BlackRock Advantage Australian Equity Fund (xi)BAR0814AU

60.20/0.20N/A0.160.90Challenger Alphinity Australian Equity Fund (iv)HOW0019AU

60.20/0.20N/A0.140.96Colonial FS (W'sale) Leaders FundFSF0016AU

60.25/0.25N/ANil0.90DNR Australian Equities High Conviction FundPIM0028AU

60.20/0.20N/ANil0.85Fidelity Australian Equities FundFID0008AU

60.20/0.20N/A0.090.85Fidelity Australian Opportunities FundFID0021AU

60.25/0.25N/A0.070.95Firetrail Australian High Conviction FundWHT3810AU

60.20/0.20N/A0.181.19Greencape Broadcap FundHOW0034AU

60.30/0.30N/A0.090.95Hyperion Australian Growth Companies FundBNT0003AU

60.25/0.25N/A0.050.99Investors Mutual Australian Share Fund (W)IML0002AU

60.25/0.25N/A0.050.99Investors Mutual Concentrated Australian Share FundIML0010AU

60.20/0.20N/A0.010.99Ironbark Karara Australian Share Fund (iv)PAT0001AU

60.20/0.20N/A0.151.15Lazard Select Australian Equity Fund –W ClassLAZ0013AU

60.20/0.20N/A0.080.82Maple-Brown Abbott (W'sale) Sharemarket FundADV0066AU

60.25/0.25N/A0.090.78MLCWholesale Australian Share (iv)MLC0262AU

60.25/0.25N/A0.260.80Nikko AM Australian Share Fund (W)TYN0028AU

60.11/0.11N/A0.230.92OnePathWholesale Australian Share TrustAJF0804AU

60.50/NilN/A0.190.79Pendal Australian Share FundRFA0818AU

60.30/0.30N/A0.070.92Perennial Value Shares Trust (W) (iv)IOF0206AU

60.30/NilN/A0.171.00Perpetual Australian Share Fund (W)PER0049AU

60.15/0.15N/A0.111.10Perpetual Concentrated Equity Fund (W)PER0102AU

60.20/0.20N/A0.060.90Plato Australian Shares Income FundWHT0039AU

60.25/0.25N/A0.070.92Schroder Australian Equity Fund (W)SCH0101AU

60.30/0.30N/A0.090.92Schroder Equity Opportunities FundSCH0035AU

60.30/0.30N/A0.07NilSolaris Core Australian Equity Fund (PerformanceAlignment)SOL0001AU

60.10/0.05N/A0.180.60T. Rowe Price Australian Equity FundETL0328AU

60.25/0.25N/A0.200.90UBS Australian Share FundSBC0817AU

8

Riskband (i)

Buy/SellSpread (%)

BorrowingCosts (%)

TransactionalandOperationalCosts (%)

ManagementCosts (%) (ii)

Fund nameAPIR code

60.25/0.25N/A0.280.90UBS HALO Australian Share Fund (iv)UBS0024AU

60.05/0.05N/ANil0.16Vanguard Australian Shares Index Fund (W)VAN0002AU

60.20/0.20N/A0.150.97WaveStone Australian Share FundHOW0020AU

60.15/0.15N/A0.050.90Yarra Australian Equities FundJBW0009AU

Specialist

60.25/0.25N/A0.180.55Alliance Bernstein Managed Volatility Equities FundACM0006AU

60.25/0.25N/A0.050.78AMP Capital Sustainable Share Fund - Class AAMP0449AU

70.30/0.300.061.671.06Ausbil 130/30 Focus FundAAP0008AU

70.50/0.503.530.212.23Colonial First State Geared Share Fund (W) (viii)FSF0043AU

60.25/0.25N/A0.080.99Investors Mutual Industrial Fund (W)IML0004AU

60.25/0.25N/A1.401.54L1 Capital Long Short Fund – Daily ClassETL0490AU

70.38/0.382.762.881.03Maple-Brown Abbott (W'sale) Australian Geared EquityFund (xii)ADV0078AU

60.20/0.20N/A0.041.59Pengana Australian Equities FundPCL0005AU

60.30/0.30N/A0.060.98Perennial ValueWealth Defender Australian Shares Trust(iv)IOF0228AU

60.50/NilN/A0.040.95Pendal Ethical Share FundRFA0025AU

60.15/0.15N/A0.191.18Perpetual Ethical SRI Fund (W) (iv)PER0116AU

70.38/0.382.850.291.17Perpetual Geared Australian Share Fund (W) (xii) (iv)PER0071AU

60.30/NilN/A0.121.01Perpetual Industrial Share Fund (W)PER0046AU

60.20/0.200.220.351.18Perpetual Share Plus Long Short Fund (W)PER0072AU

60.30/0.300.20Nil1.11Solaris Australian Equity Long Short FundWHT3859AU

60.25/0.25N/ANil0.70State Street Australian Equity FundSST0048AU

60.25/0.25N/A0.241.36The Montgomery FundFHT0030AU

Global Equities

Income

60.20/0.20N/A0.021.30Epoch Global Equity Shareholder Yield (Hedged) FundGSF0001AU

60.20/0.20N/ANil1.25Epoch Global Equity Shareholder Yield (Unhedged) FundGSF0002AU

60.25/0.25N/A0.031.28Talaria Global Equity FundAUS0035AU

Mid/Small/MicroCap

70.30/0.30N/A0.241.12Lazard Global Small Cap Fund (W)LAZ0012AU

70.30/0.30N/A0.171.39Pengana Global Small Companies FundPCL0022AU

60.30/0.30N/A0.561.71Pengana International Fund – Ethical Opportunity (iv)HHA0002AU

9

Riskband (i)

Buy/SellSpread (%)

BorrowingCosts (%)

TransactionalandOperationalCosts (%)

ManagementCosts (%) (ii)

Fund nameAPIR code

Large Cap

60.20/0.20N/A0.060.85AB Global Equities FundACM0009AU

60.15/0.15N/ANil0.98AberdeenStandardActivelyHedged International EquitiesFundCRS0005AU

60.15/0.15N/ANil0.98Aberdeen Standard International Equity FundEQI0015AU

60.25/0.25N/A0.591.15AMPCapital Responsible Investment Leaders InternationalShare Fund (iv)AMP0455AU

60.30/0.30N/A0.151.20Antipodes Global Long-OnlyWHT0057AU

60.12/0.18N/A0.171.28Arrowstreet Global Equity FundMAQ0464AU

60.35/0.35N/A0.050.35AXA IM Sustainable EquityETL0171AU

60.30/0.30N/A0.490.99Barrow Hanley Global Equity TrustETL0434AU

60.18/0.18N/ANil0.50BlackRock Advantage International Equity Fund (xi)BAR0817AU

60.30/0.30N/A0.141.10BNP Paribas Environmental Equity TrustETL8171AU

6NilN/A0.080.95Capital Group New Perspective Fund (AU)CIM0006AU

60.15/0.15N/A0.362.62Colonial First State GenerationWholesale Global ShareFund (iv)FSF0908AU

60.30/0.30N/ANil0.99CWorldWide Global Equity TrustARO0006AU

60.30/0.30N/A0.051.15Fidelity Global Demographics FundFID0023AU

60.30/0.30N/A0.020.99Fidelity Global Equities FundFID0007AU

60.30/0.30N/ANil2.07Hyperion Global Growth Companies Fund - Class BWHT8435AU

60.18/0.11N/A0.031.38IFP Global Franchise FundMAQ0404AU

60.15/0.12N/ANil1.38IFP Global Franchise Fund IIMAQ3060AU

60.30/0.30N/ANil0.95Invesco Wholesale Global Opportunities FundGTU0102AU

60.20/0.20N/ANil1.04Ironbark Royal London Concentrated Global Share FundMGL0004AU

60.10/0.10N/A0.010.20iShares Hedged International Equity IndexBGL0044AU

60.08/0.08N/ANil0.20iShares International Equity Index FundBGL0106AU

60.12/0.12N/A0.050.85Janus Henderson Global Equity Income FundHGI0005AU

6NilN/ANil0.35JPMorgan Global Research Enhanced Index EquityPER0719AU

60.20/0.20N/A0.021.25Lazard Global Equity Franchise FundLAZ0025AU

60.07/0.07N/ANil1.59Magellan Global FundMGE0001AU

60.07/0.07N/ANil2.48Magellan High Conviction FundMGE0005AU

60.07/0.07N/ANil2.50Magellan High Conviction Fund - Class BMGE9885AU

60.25/0.25N/ANil0.90MFS Concentrated Global Equity Trust WETL0172AU

60.25/0.25N/ANil0.77MFS Global Equity TrustMIA0001AU

60.15/0.10N/A0.050.90MLCWholesale Global Share FundMLC0261AU

60.25/0.25N/A0.091.20Nanuk NewWorld FundSLT2171AU

60.25/0.25N/A0.371.97Montgomery Global FundFHT0036AU

60.20/0.20N/A0.190.99Nikko AM Global Share FundSUN0031AU

10

Riskband (i)

Buy/SellSpread (%)

BorrowingCosts (%)

TransactionalandOperationalCosts (%)

ManagementCosts (%) (ii)

Fund nameAPIR code

60.25/0.25N/A0.151.51Orbis Global Equity Fund Retail ClassETL0463AU

60.15/0.15N/A0.111.20Pan-Tribal Global Equity FundETL0419AU

60.20/0.20N/A0.130.90Pendal Core Global Share Fund (iv)RFA0821AU

60.20/0.20N/A0.150.90Pendal International Share Fund (iv)BTA0056AU

60.54/NilN/A0.711.23Perpetual International Share Fund (W) (iv)PER0050AU

60.27/0.27N/A0.711.25Perpetual Wholesale Global Share FundPER0733AU

60.30/0.30N/A0.410.99Plato Global Shares Income A (iii)WHT0061AU

60.13/0.09N/A0.060.65Robeco Global DM Conservative Equities Fund (AUD)ETL3856AU

70.25/0.25N/A0.061.37Schroder Asia Pacific Fund (iv)SCH0006AU

60.15/0.10N/A0.160.40Schroder Global Core FundSCH0003AU

60.10/0.10N/ANil0.85State Street Global Equity FundSST0050AU

60.15/0.15N/A0.061.01Stewart Investors Worldwide Sustainability Fund - ClassAFSF1675AU

60.25/0.20N/ANil1.18T. Rowe Price Global Equity FundETL0071AU

60.06/0.06N/ANil0.18Vanguard International Shares Index FundVAN0003AU

60.07/0.07N/ANil0.20Vanguard Ethically Conscious International Shares IndexVAN8175AU

60.15/0.11N/ANil1.28Walter Scott Global Equity FundMAQ0410AU

60.06/0.06N/ANil1.11Zurich Concentrated Global GrowthZUR0617AU

60.06/0.06N/ANil1.00Zurich Global Growth Share FundZUR0580AU

60.06/0.06N/ANil1.03Zurich Investments Global Thematic Share FundZUR0061AU

Large Cap (Currency Hedged)

60.15/0.15N/A0.090.99Aberdeen Standard Fully Hedged International EquitiesFundCSA0135AU

60.17/0.23N/A0.361.28Arrowstreet Global Equity Fund (Hedged)MAQ0079AU

60.18/0.18N/A0.120.53BlackRock Advantage Hedged International Equity Fund(xi)BGL0109AU

60.20/0.20N/A0.121.12Ironbark Copper Rock Global All Cap Share Fund (iv)MGL0018AU

60.10/0.10N/A0.010.20iShares Hedged International Equity Index FundBGL0044AU

60.07/0.07N/ANil1.47Magellan Global Fund (Hedged)MGE0007AU

60.25/0.25N/ANil0.80MFS Fully Hedged Global Equity TrustETL0041AU

60.25/0.20N/A0.101.20T. Rowe Price Global Equity (Hedged) FundETL0312AU

60.08/0.08N/A0.050.21Vanguard International Shares Index Fund (Hedged)VAN0105AU

60.20/0.16N/A0.101.28Walter Scott Global Equity Fund (Hedged)MAQ0557AU

Regional

70.25/0.25N/ANil1.23Aberdeen Standard Asian Opportunities FundEQI0028AU

70.25/0.25N/ANil1.55Aberdeen Standard Emerging Opportunities Fund (iv)ETL0032AU

70.30/0.300.010.511.20Antipodes Asia FundIOF0203AU

11

Riskband (i)

Buy/SellSpread (%)

BorrowingCosts (%)

TransactionalandOperationalCosts (%)

ManagementCosts (%) (ii)

Fund nameAPIR code

70.40/0.40N/A0.011.15Fidelity Asia FundFID0010AU

70.40/0.40N/ANil1.21Fidelity China FundFID0011AU

70.40/0.40N/ANil0.99Fidelity Global Emerging Markets FundFID0031AU

70.50/0.50N/A0.401.23Macquarie Asia New Stars No.1 Fund (iv)MAQ0640AU

70.20/0.20N/A0.461.35Platinum Asia FundPLA0004AU

70.25/0.25N/A0.031.35Platinum European FundPLA0001AU

70.20/0.20N/A0.141.35Platinum Japan FundPLA0003AU

70.30/0.30N/A0.101.40Schroder Global Emerging MarketsSCH0034AU

70.40/0.40N/ANil2.05UBS Emerging Markets Equity FundUBS8018AU

70.22/0.22N/ANil0.57Vanguard Emerging Markets Shares Index FundVAN0005AU

Specialist

60.30/0.300.020.261.20Antipodes Global FundIOF0045AU

70.15/0.153.670.312.70Colonial First State Acadian Geared Global Equity (W) (v)

(vi) (viii)FSF0891AU

60.15/0.15N/A0.211.18Colonial First State Global Resources Fund (W) (iv)FSF0038AU

60.13/0.13N/A0.221.10Janus Henderson Global Natural Resources FundETL0331AU

50.15/0.15N/ANil1.35Platinum Inter Technology FundPLA0101AU

60.20/0.20N/A0.141.35Platinum International Brands FundPLA0100AU

60.20/0.20N/A0.051.35Platinum International FundPLA0002AU

Infrastructure

Diversified

60.05/0.05N/A0.092.29AMP Capital Core Infrastructure FundAMP1179AU

Global

60.25/0.25N/A0.240.95AMP Capital Global Infrastructure Securities Fund(Hedged)AMP1595AU

60.25/0.25N/A0.200.81AMP Capital Global Infrastructure Securities Fund(Unhedged)AMP1593AU

60.25/0.25N/A0.060.98Lazard Global Listed Infrastructure FundLAZ0014AU

60.33/0.33N/A0.291.01Macquarie International Infrastructure Securities Fund(Hedged)MAQ0432AU

60.33/0.33N/A0.121.01Macquarie International Infrastructure Securities Fund(Unhedged)MAQ0825AU

60.15/0.15N/ANil1.21Magellan Infrastructure FundMGE0002AU

60.15/0.15N/ANil1.31Magellan Infrastructure Fund (Unhedged)MGE0006AU

60.20/0.20N/A0.050.98Maple-Brown Abbott Global Listed Infrastructure FundMPL0006AU

60.20/0.20N/A0.091.00Maple-Brown Abbott Global Listed Infrastructure Fund(Hedged)MPL0008AU

60.20/0.15N/A0.151.02RARE Infrastructure Income FundTGP0016AU

60.20/0.15N/A0.271.32RARE Infrastructure Value Fund (Hedged)TGP0008AU

12

Riskband (i)

Buy/SellSpread (%)

BorrowingCosts (%)

TransactionalandOperationalCosts (%)

ManagementCosts (%) (ii)

Fund nameAPIR code

60.07/0.07N/ANil0.49Vanguard Global Infrastructure Index FundVAN0023AU

60.12/0.12N/ANil0.52Vanguard Global Infrastructure Index Fund (Hedged)VAN0024AU

Alternatives

40.45/0.450.280.121.25BlackRock Multi Opportunity Absolute Return Fund (iv)BLK0001AU

40.50/0.500.440.851.50Firetrail Absolute Return FundWHT5134AU

4NilN/A0.321.01GMO Systematic Global Macro Trust - Class BGMO0006AU

6Nil/2.00N/ANil2.75Partners Group Global Value Fund (vi)ETL0276AU

40.61/0.05N/A0.622.04Winton Global Alpha FundMAQ0482AU

Global Macro

40.30/0.30N/A0.450.93Invesco Wholesale Global Targeted Returns Fund– Class AGTU0109AU

(i) For information on the Standard Risk Measure, refer to the Standard Risk Measure section further in this document.(ii) Some fund managers may rebate a portion of the Management Costs. Any rebate received will be paid into your cash account. Please note

rebate amounts are subject to change.(iii) This investment option will distribute incomemonthly in cash. The investment option may also pay any realised capital gains and any other

distributable.(iv) This investment option is closed to new investors. Existing investors that hold the fund can continue to purchase additional units.(v) Please refer to the Macquarie True Index PDS to obtain details of the potential fee incurred by investing in this investment option.(vi) This asset is defined as an illiquid investment under superannuation law. This means it is unlikely that it can be redeemed and proceeds

returned to the member/investor within 30 days and may take up to 120 days. For an explanation of illiquid investments please refer toLiquidity risk in the iAccess Super and Pension PDS or the iAccess Investment IDPS Guide.

(vii) Not available to super or pension members.(viii) Themanagement fee for thismanaged fund is charged on the gross assets of the fund including any borrowings. Themanagement cost shown

includes an estimate of the management fee based on the net assets of the fund.(ix) This fund has restrictions on the timing and the amount that can be redeemedwhen awithdrawal request ismade. Please refer the underlying

fund product disclosure statement for further details.(x) This investment option has an early withdrawal fee. Refer to the investment option’s underlying PDS, available from North Online, for further

information.(xi) This fund is not affiliated with the Advantage Range funds available for Summit.(xii) Themanagement fee for thismanaged fund is charged on the gross assets of the fund including any borrowings. Themanagement cost shown

is an estimate of the management fee based on the gross assets of the fund.(xiii)This fund has restrictions on the timing and amount that can be redeemed when a withdrawal request is made. Where applicable, you can

subscribe to withdrawal offers using a suspended fund switch request form. Speak to your financial adviser and refer to the underlying fundproduct disclosure statement for further details.

13

Managed funds – In specie only transfersIn specie transfers allowyou to transfermanaged fundsheldoutsideof Summit into your Summit account. The transfer ofmanagedfunds intoSummit is subject toagreementby theprevious fund. You'repermitted to transfer anyexistingholdingof thesemanagedfunds, but you're not entitled topurchase additional units. Formore informationon in specie transfers, please contact your financialadviser.

Riskband (i)

Buy/SellSpread (%)

BorrowingCosts (%)

TransactionalandOperationalCosts (%)

ManagementCosts (%) (ii)

Fund nameAPIR code

Multisector

Balanced

50.15/0.15N/A0.020.51Colonial First State FirstChoice Multi-Index Balanced Fund –Class AFSF1416AU

50.22/0.22N/A0.140.59Schroder Strategic Growth Fund - Professional Class (iv)SCH0010AU

Aggressive

60.20/NilN/A0.141.53BT Split Growth Fund (iii)BTA0012AU

Credit

Mortgages

4++++OnePath Mortgage Trust No 2MMF0006AU

4++++OnePath Monthly Income Trust (iii)HML0002AU

Fixed Interest

Australian Fixed Interest

4++++Colonial FS (W) Income FundFSF0139AU

4Nil/0.66N/A0.120.50Macquarie Master Fixed Interest FundMAQ0061AU

Property

Australian Property

73.00/0.501.320.621.05AUI Healthcare Property Trust W (iv)AUS0112AU

70.50/NilN/A0.240.65Pendal Property Investment FundRFA0817AU

Australian Equities

Income

6NilN/A0.092.05Maple-Brown Abbott Australian Share Fund (Retail)ADV0013AU

Mid/Small/Micro Cap

60.20/0.20N/A0.491.78BT Smaller Companies FundRFA0012AU

60.18/0.18N/A0.120.96OnePath (W) Emerging Companies TrustMMF0112AU

60.20/0.20N/A0.051.25Yarra Emerging Leaders FundJBW0010AU

14

Riskband (i)

Buy/SellSpread (%)

BorrowingCosts (%)

TransactionalandOperationalCosts (%)

ManagementCosts (%) (ii)

Fund nameAPIR code

Large Cap

60.20/0.20N/A0.120.96Colonial FS (W'Sale) Australian Share FundFSF0002AU

60.50/NilN/A0.110.79Pendal Australian Equity FundBTA0055AU

60.15/0.15N/A0.111.98Perpetual Industrial Share FundPER0011AU

60.25/0.25N/A0.070.62Schroder Australia Equity FundSCH0002AU

Global Equities

Large Cap

60.20/0.20N/A0.221.00AMP Capital Global Equity Value Fund (W)NML0348AU

60.25/0.25N/ANil0.75Legg Mason QS Investors Global Equity Fund (Class A)SSB0126AU

6++++MLC Platinum Global FundMLC0317AU

Large Cap (Currency Hedged)

60.05/0.05N/A0.111.75BT International FundBTA0024AU

(i) For information on the Standard Risk Measure, refer to the Standard Risk Measure section further in this document.(ii) Some fund managers may rebate a portion of the Management Costs. Any rebate received will be paid into your cash account. Please note

rebate amounts are subject to change.(iii) This asset is defined as an illiquid investment under superannuation law. This means it is unlikely that it can be redeemed and proceeds

returned to the member/investor within 30 days and may take up to 120 days. For an explanation of illiquid investments please refer toLiquidity risk in the iAccess Super and Pension PDS or the iAccess Investment IDPS Guide.

(iv) Not available to super or pension members.+ This cost was not available or provided by the investment manager as at the date of this document being published. You should refer to the

underlying product disclosure statement for the managed fund for full details about fees and costs.

15

Managed PortfoliosYou are able to invest in a diverse range of managed portfolios offered as part of the MyNorth Managed Portfolio product. Themanaged portfolios available may change from time to time, refer to the relevant MyNorth Managed Portfolio Product DisclosureStatement for up-to-date information.This document can be found at northonline.com.au/managedportfolios.

As at the date of publication, the following managed portfolios are available for investment.

Riskband(i)

Buy/SellSpreads(%)

Borrow-ingCosts(%)

TransactionalandOperationalCosts (%)

ManagementCosts lessestimatedPerformanceFees (%)

ManagementCosts (%)

Fund nameCode

Research Choice Managed Portfolios

30.10/0.15N/A0.090.580.59Research Choice Conservative Income PortfolioNTH0001

40.13/0.18N/A0.100.660.67Research Choice Moderately Conservative IncomePortfolioNTH0002

50.16/0.18N/A0.110.750.77Research Choice Balanced Income PortfolioNTH0003

60.17/0.18N/A0.100.810.84Research Choice Moderately Aggressive IncomePortfolioNTH0004

60.20/0.20N/A0.120.890.92Research Choice Aggressive Income PortfolioNTH0005

30.09/0.18N/A0.140.610.65Research Choice Conservative Accumulation PortfolioNTH0006

40.13/0.20N/A0.180.710.78ResearchChoiceModeratelyConservativeAccumulationPortfolioNTH0007

50.15/0.21N/A0.210.800.90Research Choice Balanced Accumulation PortfolioNTH0008

60.17/0.20N/A0.220.870.99Research Choice Moderately Aggressive AccumulationPortfolioNTH0009

60.20/0.21N/A0.250.951.10Research Choice Aggressive Accumulation PortfolioNTH0010

40.11/0.16N/A0.090.620.63Research Choice Cautious Income Builder Portfolio(Objective Based)NTH0011

50.15/0.18N/A0.100.710.73Research Choice Income Builder Portfolio (ObjectiveBased)NTH0012

Quilla Consulting Managed Portfolios

30.11/0.12N/A0.070.910.93Quilla Income Generator PortfolioNTH0020

40.14/0.14N/A0.070.961.00Quilla Wealth Accumulator PortfolioNTH0021

50.13/0.13N/A0.070.950.99Quilla Wealth Accelerator PortfolioNTH0022

60.13/0.14N/A0.071.011.04Quilla Wealth Accelerator Plus PortfolioNTH0023

Zenith Essentials Managed Portfolios

40.10/0.18N/A0.110.741.00Zenith Essentials 50% Growth PortfolioNTH0024

50.13/0.19N/A0.140.801.13Zenith Essentials 70% Growth PortfolioNTH0025

60.15/0.18N/A0.160.831.20Zenith Essentials 85% Growth PortfolioNTH0026

70.17/0.17N/A0.170.851.28Zenith Essentials 100% Growth PortfolioNTH0027

(i) For information on the Standard Risk Measure, refer to the Standard Risk Measure section further in this document.

16

Listed securitiesYou are able to invest in securities listed on the ASX. Selected listed investment companies and listed property trusts are availablefor investment.

If you are an Investor of the Investor Directed Portfolio Service (IDPS) you can invest in any direct equity or unit trusts listed on theASX with the exception of unlisted managed funds (mFunds).

For superannuation and pension members, you will have access to the following listed securities:

– shares currently listed in the S&P/ASX300 index– selected LICs and LITs– A-REITs listed on the ASX all ordinaries index– selected hybrids (ie convertible notes and preference shares)– selected ETFs and ETCs– selected fixed interest securities (ie corporate bonds and floating rate notes), and– certain sub-classes of shares, initial public offerings (IPOs), share purchase plans (SPPs) and other securities that satisfy the

Trustee’s approval criteria.

Securities listed in the S&P/ASX300 are subject to change, impacting the ability to invest in securities that no longer fall in theS&P/ASX300.

The trustee may periodically add or remove listed securities available to superannuation and pensionmembers without warning.We recommend you obtain the latest version of this document prior to making an investment decision.

When purchasing listed securities, additional costs will be incurred. These costs, which include brokerage fees, will be directlydebited from your account. If using a third party broker, the cost per transaction varies between brokers and is subject to change.

Please refer to the Summit Personal Super and Pension product disclosure document (PDS) and Summit Money Master investordirected portfolio service (IDPS) guide for further details.

ETFs and ETCsThe following ETFs and ETCs are available to superannuation and pension members on Summit. You will be able to invest in otherETFs and ETCs that meet the Trustee’s eligibility criteria, as notified by us to you.

Riskband (i)

Buy/SellSpreads(%)

BorrowingCosts (%)

Transactionaland

OperationalCosts (%)

ManagementCosts (%)

NameASX code

Australian Broad Based

4NilNil0.040.25BetaShares Australian Ex-20 Portfolio DiversifierEX20

6NilNil0.010.59BetaShares Australian Sustainability Leaders ETFFAIR

6NilNil0.540.76BetaShares Australian Top 20 Equity Yield Maximiser FundYMAX

6NilNilNil0.07BetaShares Australia 200 ETFA200

6NilNil0.010.40BetaShares FTSE RAFI Australia 200 ETFQOZ

6-Nil0.060.35ETFS S&P/ASX 300 High Yield Plus ETFZYAU

6-Nil0.040.30iShares Edge MSCI Australia Minimum Volatility ETFMVOL

6-Nil0.010.09iShares MSCI Australia 200IOZ

6-Nil0.010.24iShares S&P/ASX 20ILC

6-Nil0.060.55iShares S&P/ASX Small OrdinariesISO

6-NilNil0.13SPDR 200 FundSTW

6-NilNil0.29SPDR 50 FundSFY

6NilNil0.040.50SPDR S&P/ASX Small Ordinaries FundSSO

6Nil0.030.040.35VanEck Vectors Australian Equal Weight ETFMVW

6Nil0.030.050.35VanEck Vectors MSCI AUS Sust Eq ETFGRNV

7Nil0.030.040.45VanEck Vectors S&P/ASX Midcap ETFMVE

17

Riskband (i)

Buy/SellSpreads(%)

BorrowingCosts (%)

Transactionaland

OperationalCosts (%)

ManagementCosts (%)

NameASX code

7Nil0.030.040.49VanEck Vectors Small Companies Masters ETFMVS

6-Nil0.010.10Vanguard Australian Shares IndexVAS

6-Nil0.050.30Vanguard Small Companies IndexVSO

Australian Sector

6-Nil0.010.40SPDR S&P/ASX 200 Listed Property FundSLF

6NilNilNil0.40SPDR S&P/ASX 200 Financials ex A-REITS FundOZF

6NilNil0.010.40SPDR S&P/ASX 200 Resources FundOZR

6Nil0.030.040.35VanEck Vectors Australian Property ETFMVA

6Nil0.040.050.28VanEck Vectors Australian Banks ETFMVB

6-Nil0.010.23Vanguard Australian Property Securities Index ETFVAP

International

6NilNil0.030.59BetaShares Global Sustainability Leaders ETFETHI

6-Nil0.050.54BetaShares Managed Risk Global Share FundWRLD

6NilNil0.090.75BetaShares S&P 500 Yield Maximiser FundUMAX

6-Nil0.020.35ETFS Euro Stoxx 50 ETFESTX

7-NilNil0.99Fidelity Global Emerging MarketsFEMX

6-Nil0.020.50iShares Asia 50 ETFIAA

6-Nil0.050.74iShares China Large-Cap ETFIZZ

6-NilNil0.04iShares Core S&P 500IVV

6-NilNil0.10iShares Core S&P SmallCap 600IJR

6-NilNil0.08iShares Core S&PMidCap 400IJH

6-Nil0.040.43iShares Global 100 AUD Hedged ETFIHOO

6-NilNil0.32iShares MSCI EAFE ETFIVE

6-Nil0.030.67iShares MSCI Emerging Markets ETFIEM

6-NilNil0.47iShares MSCI Japan ETFIJP

6-Nil0.020.59iShares MSCI South Korea Capped ETFIKO

6-Nil0.030.64iShares MSCI Taiwan ETFITW

6-NilNil0.10iShares S&P 500 AUD Hedged ETFIHVV

6-Nil0.020.60iShares Europe ETFIEU

6-Nil0.020.40iShares Global 100 ETFIOO

6NilNil0.031.50Magellan Global Equities Fund - Currency HedgedMHG

6NilNil0.031.49Magellan Global Equities FundMGE

6NilNil0.020.65S&P Emerging Markets FundWEMG

6NilNil0.100.50S&P Global Dividend FundWDIV

6NilNil0.010.30S&PWorld Ex Australian FundWXOZ

6NilNil0.080.35S&PWorld Ex Australian Hedged FundWXHG

6-NilNil0.09SPDR S&P 500 ETF TrustSPY

18

Riskband (i)

Buy/SellSpreads(%)

BorrowingCosts (%)

Transactionaland

OperationalCosts (%)

ManagementCosts (%)

NameASX code

6-Nil0.030.49VanEck Vectors Morningstar Wide Moat ETFMOAT

6NilNil0.130.43VanEck Vectors MSCI World ex Australia Quality (Hedged) ETFQHAL

6-NilNil0.08Vanguard All-World EX US Shares IndexVEU

6-NIlNil0.18Vanguard Ethically Conscious International Shares ETFVESG

7-NilNil0.35Vanguard FTSE Europe Shares ETFVEQ

4-Nil0.070.20Vanguard International Fixed Interest Index (Hedged) ETFVIF

6-Nil0.040.21Vanguard MSCI Index International Shares (Hedged) ETFVGAD

6-NilNil0.18Vanguard MSCI Index International Shares ETFVGS

6-NilNil0.03Vanguard US Total Market Shares IndexVTS

60.20/0.20NilNil2.06WCMQuality Global Growth Fund ETFWCMQ

International Sectors

6NilNil0.020.50Dow Jones Global Real Estate FundDJRE

6-Nil0.010.47iShares Global Consumer Staples ETFIXI

6-Nil0.010.47iShares Global Healthcare ETFIXJ

6NilNil0.051.17Magellan Infrastructure Fund (Currency Hedged)MICH

6Nil0.030.140.52VanEck Vectors FTSE Global Infrastructure (Hedged) ETFIFRA

6-Nil0.030.53VanEck Vectors Gold Miners ETFGDX

6-NilNil0.47Vanguard Global Infrastructure Index ETFVBLD

Strategy Focussed

6NilNilNil0.85BetaShares Legg Mason Real Income ETFRINC

6-Nil0.040.30iShares S&P/ASX Dividend Opportunities ETFIHD

6-NilNil0.34Russell High Dividend Australian Shares ETFRDV

6NilNil0.050.35SPDRMSCI Australia Select High Dividend Yield FundSYI

6-0.030.060.40VanEck Vectors MSCI World ex-Australia Quality ETFQUAL

6-Nil0.040.25Vanguard Australian Shares High Yield ETFVHY

Cash & Fixed Income Exposure

60.03/0.03Nil0.180.50Activex Ardea Real Outcome Bond ETFXARO

3-NilNil0.24Australian BondBOND

3-NilNil0.22Australian Government BondGOVT

5NilNilNil0.55BetaShare Active Australian Hybrids FundHBRD

50.05/0.05Nil0.030.22BetaShare Australian Bank Floating Rate Bond ETFQPON

1NilNilNil0.18BetaShares Australian High Interest Cash ETFAAA

4-Nil0.060.26iShares Core Global Corporate Bond (AUD Hedged) ETFIHCB

3-NilNil0.15iShares UBS Composite Bond ETFIAF

4-NilNil0.18iShares UBS Government Inflation Index FundILB

4-NilNil0.18iShares UBS Treasury ETFIGB

19

Riskband (i)

Buy/SellSpreads(%)

BorrowingCosts (%)

Transactionaland

OperationalCosts (%)

ManagementCosts (%)

NameASX code

4NilNil0.110.28Russell Australian Select Corporate BondRCB

3NilNil0.030.26Russell Australian Semi-Government Bond ETFRSM

5-Nil0.020.22VanEck Vectors Australian Floating Rate ETFFLOT

4-Nil0.040.26Vanguard Australian Corporate Fixed Interest Index FundVACF

3-Nil0.050.20Vanguard Australian Fixed Interest IndexVAF

4-Nil0.010.20Vanguard Australian Government Bond Index ETFVGB

5-Nil0.191.29Vanguard International Credit Securities (Hedged)VCF

Commodity Exposure

7NilNil0.011.29BetaShares Crude Oil Index ETF - Currency Hedged (Synthetic)OOO

7-NilNil0.40ETFS Physical GoldGOLD

7-NilNil0.49ETFS Physical SilverETPMAG

Diversified

60.25/0.25Nil0.070.90Schroder Real Return FundGROW

5-NilNil0.27Vanguard Diversified Balanced Index ETFVDBA

4-NilNil0.27Vanguard Diversified Conservative Index ETFVDCO

6-NilNil0.27Vanguard Diversified Growth Index ETFVDGR

6-NilNil0.27Vanguard Diversified High Growth Index ETFVDHG

(i) For information on the Standard Risk Measure, refer to the Standard Risk Measure section further in this document.

LICs & LITsThe following LICs and LITs are available to Summit PersonalSuper and Personal Pension members.

Please note: There may be underlying fees and costs for LICsand LITs under new enhanced fee and cost disclosurerequirements. However, these have note been provided at thetime of publishing this document.

Riskband (i)Name

ASXcode

Australian Shares

6Argo Investments LimitedARG

6Australian Foundation Investment CompanyLimitedAFI

6Australian Leaders Fund LimitedALF

6Milton Corporation LimitedMLT

7Mirrabooka Investments LimitedMIR

6Perpetual Equity InvestmentCompany LimitedPIC

6Plato IncomeMaximiser LimitedPL8

6Qv Equities LimitedQVE

7Spheria Emerging Companies LimitedSEC

Riskband (i)Name

ASXcode

6WAM Active LimitedWAA

6WAM Capital LimitedWAM

6WAM Research LimitedWAX

Australian Fixed Income

4Metrics Credit Partners Master Income TrustMXT

International Shares

6Magellan Global TrustMGG

6Magellan High Conviction TrustMHH

6Platinum Asia Investments LimitedPAI

6Platinum Capital LimitedPMC

6PMCapital Global Opportunities Fund LimitedPGF

International Fixed Income

7KKR Credit Income FundKKC

(i) For information on the Standard Risk Measure, refer to theStandard Risk Measure section further in this document.

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Fixed interest securitiesThe following assets are available to Summit Personal Superand Personal Pension members. You will be able to invest inother fixed interest securities thatmeet the Trustee’s eligibilitycriteria, as notified by us to you.

IssuerASX code

Floating Rate Notes

AGL Energy LimitedAGLHA

AMP LimitedAMPHA

Australia and New Zealand Banking GroupANZHA

APT Pipelines LimitedAQHHA

Bendigo and Adelaide Bank LimitedBENHB

Commonwealth Bank of AustraliaCBAHA

Colonial Holding Company LimitedCNGHA

Crown Resorts LimitedCWNHA

Crown Resorts LimitedCWNHB

Heritage Bank LimitedHBSHB

Macquarie Group LimitedMBLHB

National Australia Bank LimitedNABHA

National Australia Bank LimitedNABHB

Origin Energy LimitedORGHA

Qube Holdings LimitedQUBHA

TABCORP Holdings LimitedTAHHB

Westpac Banking CorporationWBCHA

Westpac Banking CorporationWBCHB

Woolworths LimitedWOWHC

Exchange Traded BondsThe following Exchange Traded Bonds (XTBs) are currentlyavailable to Summit Super & Pension members.

IssuerUnderlying BondASXcode

AGL ENERGY LTDAGL 5.00% 05/11/2021YTMAGL

AURIZON NETWORK PTY LTDAZJ 5.75% 28/10/2020YTMAZJ

AUSNETSERVICESHOLDINGSAST 5.75% 28/06/2022YTMAST

DOWNER GROUP FINANCEPTYDOW 4.50% 11/03/2022YTMDO1

MIRVACGROUPFINANCELTDMGR 5.75% 18/09/2020YTMMGR

NATIONAL AUSTRALIA BANKNAB 4.00% 16/12/2021YTMNA1

QANTAS AIRWAYS LTDQAN 7.50% 11/06/2021YTMQF2

QANTAS AIRWAYS LTDQAN 7.75% 19/05/2022YTMQF3

STOCKLAND TRUSTSGP 8.25% 25/11/2020YTMSG1

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Term depositsYouare able to invest in termdepositswith a range of providersas listed below:

Provider

AMP

ANZ

Adelaide Bank

Please refer to northonline.com.au/summit for the current listof terms and rates. There are no underlying fees and costs forTerm deposits.

Standard risk measureThe Standard Risk Measure is based on industry guidance toallow investors to compare investment options that areexpected todeliver a similar number of negative annual returnsover any 20-year period.Negative annual returnsmaynot occurin consecutive years.

Estimated number of negativeannual returns over any 20 year

period

Risk labelRiskband

Less than 0.5Very low1

0.5 to less than 1Low2

1 to less than 2Low to medium3

2 to less than 3Medium4

3 to less than 4Medium to high5

4 to less than 6High6

6 or greaterVery high7

The Standard RiskMeasure is not a complete assessment of allforms of investment risk. For instance, it does not detail whatthe size of a negative return could be or the potential for apositive return to be less than an investor may require tomeettheir objectives. Further, it doesnot take intoaccount the impactof administration fees and tax on the likelihood of a negativereturn.

Members should still ensure they are comfortablewith the risksand potential losses associated with their chosen investmentoption(s). Refer to page 18 of the PDS and section 4 of theAdditional information booklet for further details about therisks of investing through Summit Personal Super and PersonalPension.

Important informationThis is the Investment Options document for the SummitPersonal Super and Personal Pension offered via the WealthPersonal Superannuation and Pension Fund ABN 92 381 911598.

This document also forms the Investment Options documentfor the Investor Directed Portfolio Service (IDPS) known asSummit Money Master.

This document is jointly issued by N.M. SuperannuationProprietary Limited (NMSuper)ABN31008428322,AFS LicenceNo. 234654, and NMMT Limited (NMMT) ABN 42 058 835 573,AFS Licence No. 234653.

This publication has been prepared to provide generalinformation only and does not take into account the financialobjectives, situation or needs of any particular person. It is notintended to take theplaceof professional advice andyou shouldnot take actionon specific issues in reliance on this information.

Before making an investment decision, you need to consider(with or without the assistance of an adviser) whether thisinformation is appropriate to your needs, objectives andcircumstances.

Past performance is not necessarily indicative of futureperformance. Please refer to the underlying fund manager’sPDS for further information relating to the underlyinginvestment options.

Applications for investment in Summit products will only beaccepted via northonline.com.au/summit. Copies of the PDSand IDPS Guides are available on northonline.com.au/summitor by contacting the North Service Centre on 1800 667 841.

NMMT Limited, N.M. Superannuation Proprietary Limited andtheir associates derive income from issuing interests in theproduct, full details ofwhich are contained in the PDS and IDPSGuides. Unless specifically stated, the repayment of capital orperformance of our products are not guaranteed.

This information is provided for persons in Australia only andis not provided for the use of any person who is in any othercountry.

A fund manager may close an investment option or we mayremove an investment option from the Summit InvestmentOptions.

Where this occurs,wewill provide youwith30days prior noticeto give you the opportunity to select an alternate investmentoption available from the Summit Investment Optionsdocument. Where we cannot provide you with 30 days priornotice (due to circumstances outside of our control), we willprovide youwithnotice as soonas practicable for you to changeyour investment instructions. Where we have not receivedalternative investment instructions from you we will transferany proceeds from that investment option into your SummitCash account.

If the investment option being removed forms part of yourinvestment profile we will notify you to obtain alternativeinstructions. Events that may cause the removal of aninvestment option include but are not limited to an:

– investment manager closing the investment option– investment option closing to new business.

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Identifying investmentsThe APIR codes used in this document identify the underlyinginvestments which Summit will purchase on your instruction.The APIR code can assist you in obtaining the PDS for theunderlying investment and comparing with other investmentmenus. Please refer to the underlying fund manager’s PDS forfurther information relating to the underlying investmentoptions.

Underlying managed investment optionsPDSs for underlying managed investment options do notconstitute an offer or invitation to subscribe to or buy any ofthe securities offered by the managers of investment optionsthathavebeen included fromtime to timeas investmentsmadeavailable by Summit tomembers, IDPS investors and potentialmembers of a plan. In addition, the fund managers of thoseinvestment options have not authorised or caused the issue ofthisdocument. The fundmanagersof those investmentoptions,their respective officers, holding companies and trustees donot guarantee the capital invested or the performance of theplans generally.

Neither the performance nor payment of any particular returnfrom, nor any increase in the value of the assets acquired usingthe investments listed in this InvestmentOption is guaranteedin any way.

Changes to the underlying managedinvestment optionsAfter you become an investor, each time you make additionalcontributions to a managed investment option you may nothave the most recent underlying fund manager PDS or havebeen notified about material changes or significant eventsrelating to the investment options you have selected. You canaccess the most up-to-date PDS for the managed investmentoptions you have selected by accessing North Online atnorthonline.com.au/summit. Please contact the North ServiceCentreon 1800 667 841 or at north@amp.com.au.

Fundmanagers of themanaged investment optionsmaynotifyus from time to time of material changes or significant eventsthat affect an investment option you have selected. We willnotify you of these changes as soon as practical throughNorthOnline. We will not be responsible for any delays in notifyingyouof these changesor eventswhere thedelayhasbeen causedby a fund manager. If you wish, you may select a differentinvestment option after you have read the up-to-dateinformation; however, regular fees and charges may apply. Ifyou do not notify us that you wish to select a differentinvestment option contributions will continue to be investedin the existing investment option.

Management costsThe Management costs presented in this document areestimates only and include expense recoveries and indirectcosts (performance fees where applicable and other indirectcosts). Before selecting an investment option, you should referto the latest management costs set outin the relevant productdisclosure statement for the particular fund.

Fund manager paymentsNMMTmay receive payments of up to 0.55% from fundmanagers foramounts invested inparticular investmentoptionsmade available in this document (fund manager payments).The fund manager payment received is based on amountsinvested with the fund manager and the management costsof these investments.

These payments, and the method of calculation, may changefrom time to time and are not an additional cost to you.

Buy/sell spreadThe buy/sell spread information provided in the InvestmentOptions document is indicative only and may not reflect themost current buy/sell margin costs that may be incurred.

Contact usIf you would like to knowmore about how AMP can help you, please visit amp.com.au, or contact one of the following:

What you need to know1800 667 841phoneOperator and issuer: NMMT Limited ABN 42 058 835 573 AFS Licence No. 234653Registered office: 33 Alfred Street SYDNEY NSW 2000Postal address: GPO Box 2915 MELBOURNE VIC 3001Wealth Personal Superannuation and Pension Fund ABN 92 381 911 598Trustee of Wealth Personal Superannuation and Pension Fund: N.M. SuperannuationProprietary Limited ABN 31 008 428 322 AFS Licence No. 234654

northonline.com.auwebnorth@amp.com.auemailNorth Service CentreGPO Box 2915MELBOURNE VIC 3001

mail

0341

808

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