Other Features

Catholic Super offers a number of additional features for Members and contributing Employers. These are:

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Online Member Access

Our online services (Member Access) provides members with the ability to check their Account Balance, request information and advise changes to personal details.

What can you view online?

In Member Access you can view the following:

• Your membership information (name, address and date of birth)
• Contributions paid within the last 24 months
• Any money you have transferred into your account from other funds
• Your current account balance and the balance for past financial years
• How your money is invested across the Fund's different investment options
• Your insurance cover details.

What can you change online?

In Member Access you can change the following information.

• Personal address
• Add your tax file number
• Change your investment option

You can also contact the fund at any stage to advise of any changes or to request that information be sent to you.

How do I access this service?

If you have not accessed Member Access before, you are required to register.

To register for Member Access, you will need your member number, which can be found on your member statement.

Once you have your member number contact the fund office and they will arrange a password for you to access this online service.

For Member Access select the button below, then enter your Member Number and password in the space provided .

If you are unable to locate your member number, please contact the fund office.

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Online Employer Access

Authorised Catholic Super employers can make their monthly contributions online. If you are an authorised employer select the button below to make your payment.

If you are interested in making online payments, but are not currently authorised to do so, please contact the fund office.

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Eligible Rollover Fund (ERF)

Catholic Super has nominated an Eligible Rollover Fund to accept the transfer of benefits of less than $1,000 from the Deferred Benefit Account or in the situation where a Member of the Deferred Benefit Account becomes "lost". A "lost" Member is generally defined as one to whom two required written reports have been issued but not received by the Member as the Fund Office has been unable to trace their whereabouts due to a change of address etc.

An ERF is a fund which has been approved by the Australian Prudential Regulation Authority (APRA) to receive and retain benefits for members of superannuation funds. The ERF selected by the Trustee is AUSfund, with contact address:

AUSfund

Australia's Unclaimed Super Fund

PO Box 2468

Kent Town SA 5071

The toll-free number is 1300 361 798

Fax:     1300 366 233

Email:  admin@ausfund.net.au

or refer to the AUSfund web site www.ausfund.net.au

Benefits transferred into the AUSfund ERF will remain the property of the member and will accrue interest (net of tax and charges) at a rate declared by AUSfund.

Members will still be able to gain access to their benefit in the same way as if it had remained in Catholic Super. A benefit in AUSfund may be transferred back into Catholic Super if desired.

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Deferred Account

The Trust Deed for the Fund permits the retention of benefits for those persons who leave the service of a participating employer. An exiting Member's benefit  will be automatically transferred to the Deferred Benefit Account pending receipt of final documentation.

An exiting Member can choose to retain his or her benefit in the Deferred Benefit Account, use the benefit to purchase a Catholic Super Allocated Pension or Catholic Super Term Allocated Pension (if at least age 55) or have the Benefit paid in cash or rolled over, subject to Government requirements. Personal contributions may continue to be made to the Fund subject to Government Regulations (contact the Fund Office for details).

All Deferred Benefit Accounts of less than $1,000 on which no contributions have been received for six months or more, are transferred to the Eligible Rollover Fund.

Draw Down Facility:
Members of the Deferred Benefit Account may draw down on their Account Balance in the Fund (just like a Bank Account). However, you should seek advice from your financial adviser before making any draw downs to ensure maximum taxation concessions are obtained.

Refer latest Product Disclosure Statement for more details.

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Unclaimed Monies

If we cannot locate you and have not transferred your benefit to the ERF (see above), we are required by law to pay your superannuation benefit to the Australian Taxation Office.

If your benefit is paid to the Australian Taxation Office, you will no longer be a member of Catholic Super and will not be entitled to any Catholic Super benefits.  This means that your insurance cover will cease.

To avoid falling into this situation, please ensure you keep your address information up-to-date with us.

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MembersEquity Bank

Home Loans

MembersEquity is an award winning innovative bank 100% owned by some of Australia's leading super funds. It was formed specifically to provide hard working Australians with access to low cost financial services including low cost home loans, credit cards, personal loans and savings accounts. They have now provided over $13 billion dollars in home loans to over 100,000 Australians.

As a Catholic Super Member you can apply for a Super Members Home Loan which provides a discounted interest rate on the Standard Home Loan, Ultimate Offset Account and Interest Only Investment Loan. Members Equity home loan features include:

• No application fee
• No valuation fee
• No account keeping fees
• No fees to split or top-up your loan
• No fees for Phone and Internet banking

Please visit www.membersequity.com.au for the latest product features and interest rates or call 13 15 63

Fees and charges apply. Terms and conditions available on request. Applications are subject to credit approval

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Credit Cards

The MembersEquity MasterCard is a low cost credit card with one of Australia's lowest on going credit card rates. Calculate the savings you could make by switching your outstanding balance from your current credit card to the award winning MembersEquity MasterCard. Benefits include:

•  One of Australia's lowest ongoing credit card rates
•  Up to 44 days interest free on purchases
•  A low $30 annual fee (waived after the first year if you spend over $7,500 on purchases each year)

•  No charge for additional cardholders
•  Emergency worldwide replacement if card is lost or stolen

Please visit www.membersequity.com.au for the latest product features and interest rates or call 13 15 63

Fees and charges apply. Terms and conditions available on request. Applications are subject to credit approval.

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Saving Accounts

The InterestME Savings Account is a 2-in-1 account that pays the high interest of a savings account combined with the easy access of a transaction account. Benefits include:

•  Earn a high rate of interest on every dollar over $3,000
•  No account keeping fees
•  No minimum monthly balance required
•  15 free EFTPOS transactions every month. Free direct debits and credits
•  Free Phone and Internet banking
•  Access to funds 24 hours a day, 7 days a week via ATM and EFTPOS
•  Cheque book option

Please visit www.membersequity.com.au for the latest product features and interest rates or call 13 15 63

Fees and charges apply. Terms and conditions available on request.

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Personal Loans

The Members Equity Personal Loan has no ongoing account keeping fees, so every dollar paid goes straight to reducing the loan. If you wish to repay your loan early there are no penalties. Benefits include:

• A low fixed interest rate
• No ongoing account keeping fees
• No annual fee
• No fees for extra repayments
• No penalties for early payout
• Select your own loan term - 1, 2, 3, 4 or 5 years
• Easy application process

Please visit www.membersequity.com.au for the latest product features and interest rates or call 13 15 63

Fees and charges apply. Terms and conditions available on request. Applications are subject to credit approval.

This product advice has been prepared without taking account of your objectives, financial situation or needs. Before you make any decisions about this product you should consider the appropriateness of the advice for you and read the Product Disclosure Statement available from MembersEquity Bank Pty Limited ABN 56 070 887 679 AFS Licence: 229500