Product disclosure statement - Accumulation Section - SuperFacts.com

A guide to your
superannuation
Product Disclosure Statement
Issued 22 June
2012
Alcoa of Australia Retirement Plan
Accumulation Section
www.alcoasuper.com.au Helpline 1800 355 028

Contents
Read this
This Product Disclosure Statement (PDS) provides a summary
of key information for the Alcoa of Australia Retirement Plan. It
contains references to important information which also forms part
of this PDS. You should consider all the information contained in
this PDS before making a decision about investing in the Plan.
The information provided in this PDS is general information only
and does not take into account your personal financial situation or
needs. You should obtain financial advice that is tailored to your
personal circumstances.
Information which is not materially adverse is subject to change
and may be updated from time to time. You can find the updated
information on the Plan’s website or request a hard copy of
the changes free of charge by contacting the Plan Helpline on
1800 355 025.
Plan contact details
Helpline: 1800 355 028
Mail:
Web:
Plan Secretary
Alcoa of Australia Retirement Plan
Unit 1, 294 Rokeby Road
Subiaco WA 6008
www.alcoasuper.com.au
About the Alcoa of Australia Retirement Plan..........3
How super works...................................................3
Benefits of investing in the Alcoa of Australia
Retirement Plan......................................................4
Risks of super ........................................................5
How we invest your money.....................................5
Fees and costs.......................................................6
How super is taxed.................................................7
Insurance in your super..........................................7
How to open an account........................................8
This PDS was prepared and issued by Alcoa of Australia Retirement Plan Pty Ltd (ABN 80 065 702 454 RSE Licence L0002974), Unit 1, 294 Rokeby Road
Subiaco WA 6008, as trustee of the Alcoa of Australia Retirement Plan (ABN 80 928 800 255).
2

1. About the Alcoa of
Australia Retirement Plan
The Alcoa of Australia Retirement Plan (“the Plan” or “the Alcoa
Plan”) is an employer-sponsored super plan that provides super,
investment, insurance and pension services to employees
of Alcoa of Australia Limited. The Plan provides services to
members and their spouses, regardless of what stage they are
at in their working life and all through their retirement. Once you
are an Alcoa Plan member, you can continue to have your super
paid into the Plan, even if you leave your current employer and
start work for a new employer. You can also roll over any other
super money you have into the Plan.
The Plan provides services to more than 6,500 members around
Australia and manages around $1.5 billion on behalf of our
members. It operates only to benefit its members, so we keep
our costs as low as possible and all profits are returned to
members. The Plan does not pay any commissions or fees to
financial advisers.
The Alcoa Plan has four investment choices for members to
choose from ranging from conservative to high growth. You can
select from the four investment options available. If you do not
make a choice, your contributions will be invested in the Growth
investment option.
As well as helping you to save for your retirement, the Alcoa
Plan provides eligible members with death and total and
permanent disablement insurance cover when they join the
Plan. Cover is provided 24 hours a day, seven days a week
anywhere in Australia.
2. How super
works
Superannuation is an important part of employment benefits
you receive and is, in part, a compulsory means to save for your
retirement. The super environment also offers the attraction of
Government tax concessions.
Superannuation Guarantee (SG) contributions may be made
by your employer on your behalf if you earn more than $450
a month. Most people have a right to choose the fund into
which their employer pays their SG contributions.
Your super is an accumulation-style benefit. Contributions
go into an account in your name. Investment earnings (which
can be positive or negative) are allocated to your super account,
based on the performance of your investment options. Insurance
premiums, fees and taxes are deducted from your account.
Relying only on the SG contributions your employer makes
for you may not provide enough to support your desired lifestyle
in retirement. You can make voluntary contributions
into the Plan to help build a bigger super benefit. The table at
right shows the different types of contributions you and your
employer can make, including voluntary contributions.
Contribution type
Employer
Extra voluntary
Government
co-contributions
Details
Compulsory contributions made by your
employer on your behalf.
Can be made regularly from before-tax pay (also
known as salary sacrifice) or from your after-tax
pay. Can be one-off lump sum payments from
after-tax money.
Made by the Government to your super
fund provided you have made an after-tax
contribution, lodged a tax return in the financial
year that you made the contribution and your
assessable income is below the maximum
eligibility threshold.
There are annual limits on how much you can contribute to your
super. Withdrawals from your super are generally restricted to
your retirement age which is usually between 55 and 60, or if
you meet a condition of early release.
Preservation
Superannuation is a long term investment. Preservation rules
generally restrict withdrawals from your super until you retire
from the workforce or reach your preservation age (between
55 and 60 depending on your date of birth). There are some
exceptions to this rule, for example, in cases of extreme
financial hardship.
You should read the important information about how super works before making a decision.
Go to www.alcoasuper.com.au, select Documents & Forms > Product Disclosure Statements and read the Alcoa of Australia
Accumulation PDS—Additional information document.
You can also go to ASIC’s consumer website www.moneysmart.com.au for more information about how super works.
The material relating to how super works may change between the time when you read this Statement and the day when you
acquire the product.
3

3. Benefits of investing in the Alcoa
of Australia Retirement Plan
You will receive a super benefit:
ff
equal to your total account balance—when you leave your
employer by resigning, retiring or if you’re retrenched; or
ff
equal to your total account balance plus an insurance
amount (if any)—if you become totally and permanently
disabled or upon death.
When you become eligible to receive your retirement benefit
investment earnings (as determined by the Trustee) will
generally be credited to your account up to the date used to
calculate your benefit.
Here is an overview of some of the
benefits of being a member of the
Alcoa Plan
Low member account fees
Plan administration fees charged to member accounts are only
$1.10 per week. There are no entry, exit or contribution fees
charged by the Plan.
Low investment management fees
You pay an investment management fee of only 0.1% p.a.
of your account balance while you are employed by Alcoa.
Investment options
You can choose from four investment options, ranging from
conservative to aggressive. You can mix and match any number
of options to suit your own preferences. If you don’t make
a choice we will invest your super in the Growth option; the
default investment option in the Alcoa Plan.
Insurance cover
The Alcoa Plan offers death as well as total and permanent
disablement cover to most members (conditions apply). You
may need to show evidence of your good health before the Plan
agrees to provide this cover.
If you leave Alcoa you can still stay
with the Alcoa Plan
The Retained Benefit Facility allows you to keep your benefit
in the Plan if you leave Alcoa so you can continue to take
advantage of some of the same benefits you enjoyed as an
employed member.
Online access to your account
information
You can view your up-to-date account information through the
Plan’s website at www.alcoasuper.com.au 24 hours a day,
seven days a week. You can make many different transactions
online, including updating your personal details, changing your
investment choice or changing your nominated beneficiaries.
Extra benefits and services
Members have access to qualified financial advice from Mercer.
As an Alcoa member, your first consultation with a Mercer
Financial Planner is free of charge.
Allocated Pension
The Alcoa Plan offers an Allocated Pension and Transition
to Retirement Pension. Please read the Pension Product
Disclosure Statement for more information.
Help when you need it
If you have questions about your super, you can call our dedicated
Helpline on 1800 355 028. We can also give you limited personal
advice (at no extra cost) over the phone about things like making
extra contributions or making an investment choice.
Spouse membership
Your spouse can become a member of the Alcoa Plan, which
may give you access to potential tax rebates, the ability to
consolidate Spouse super accounts, allow you to save fees and
to set common investment, risk management, retirement and
estate planning strategies. You may also be able to split your
contributions with your spouse, which may provide additional
advantages. Please read the Spouse Section Product Disclosure
Statement for more information.
You should read the important information about the benefits of investing in the Alcoa Plan before making a decision.
Go to www.alcoasuper.com.au, select Documents & Forms > Product Disclosure Statements and read the Alcoa of Australia
Accumulation PDS—Additional information document.
The material relating to the benefits and features of the Plan may change between the time when you read this Statement and the
day when you acquire the product.
4

4. Risks of
super
5. How we invest
your money
All investments carry risk. Different investment strategies may carry
different levels of risk depending on the assets that make up the
investment strategy. Investing in assets with the highest long-term
returns may also carry the highest level of short-term risk.
Super funds such as the Alcoa Plan invest in a range of asset
classes—for example, cash, bonds, property and shares—that
have different levels of risk. The investment options we offer are
made up of different combinations of these asset classes.
When considering your investment in super, it is important that you
consider the following:
ff
the value of investment options will vary;
ff
the level of returns for each investment option will vary and
future returns may differ from past returns;
ff
investment returns are not guaranteed and you may lose some
of the monies you have invested;
ff
super laws may change in the future;
ff
your super investments need to grow at a greater rate than
inflation or there is the risk that the real value (buying power) of
your savings will decrease;
ff
the amount of your future super savings (including contributions
and returns) may not be enough to provide adequately for your
retirement needs; and
ff
the level of investment risk for each person may vary depending
on a range of factors such as age, investment timeframes,
where other parts of the person’s wealth are invested; and their
risk tolerance.
You should read the important information about the significant
risks associated with super before making a decision.
Go to www.alcoasuper.com.au, select Documents & Forms >
Product Disclosure Statements and read the Alcoa of Australia
Accumulation PDS—Additional information document.
The material relating to the risks associated with super may
change between the time when you read this Statement and
the day when you acquire the product.
Risks you may face when investing with the Alcoa Plan include:
Volatility
Volatility refers to the extent to which the value of your
investments fluctuates over a period of time.
Investment timeframe
Having sufficient time in the market is an important
consideration in selecting investments and strategy, as it not
only affects your considerations prior to retirement but for your
entire life expectancy.
Inflation risk
The risk that the purchasing power of your investment may not
keep pace with inflation, which will occur if your investment is
providing a net return less than the inflation rate.
Regulatory risk
The risk of government policy, regulatory or legislative changes,
which could impact taxation, social security, costs and reporting
requirements.
Market risk
This risk relates to events that may occur which have a negative
effect on the price of all types of investments in a particular
market, for example the stock market for shares or the bond
market for fixed interest securities.
How you invest your super is a personal choice and depends
on your financial goals, investment timeframe and your level of
risk tolerance.
Each of the Plan’s investment options has a specified
investment objective and offers a different risk/return profile.
The Plan offers four investment options and you can choose
one or more options for your current account balance and
future contributions, giving you more control over your desired
asset mix and and level of risk and return.
If you do not choose which investment option to invest your
super in, we will invest your super in the Growth investment
option (the Plan’s default investment option) which is
summarised in the table below.
Description of the
Growth option
Mix of asset
classes
Investment return
objectives
Minimum
suggested
timeframe
This option is designed for members who want
a high level of return over the long term. It is
expected that returns will fluctuate from year
to year.
5%
10%
Global Fixed Interest
(hedged)
10%
Australian Fixed
Interest
Private Equity
6%
Infrastructure
8%
Property
6%
Cash
10%
Global Shares
(hedged)
10%
Global Shares
(unhedged)
35%
Australian Shares
The investment objective of the Growth
Investment Option is to maximise returns over
the longer term. The Trustee targets a return
of the Consumer Price Index (CPI) plus 4%,
measured over a rolling five year period.
5 years
Risk Level High Risk; Band 6
Probability of
negative return
Who this option
might suit
Probability of a negative return is 1 year in 4, or
4.4 negative years in 20.
Suitable for investors with a longer investment
timeframe and a higher tolerance for short term
volatility.
The Plan’s investment options are summarised in the table below.
Investment option Risk Level/Band Probability of negative return
Equity option
Growth option
(default)
Capital Stable
option
Cash option
High/6
High/6
Low to Medium/3
Very Low/1
1 year in 3, or 5.4 negative
years in 20.
1 year in 4, or 4.4 negative
years in 20.
1 year in 6, or 1.9 negative
years in 20.
Not expected, however
statistically possible.
5

5. How we invest
your money cont...
6. Fees
and costs
The Standard Risk Measure (the Risk Band and Risk Levels shown
on the previous page) is based on industry guidance to allow you
to compare investment options that are expected to deliver a
similar number of negative annual returns over any 20 year period.
The Standard Risk Measure is not a complete assessment of all
forms of investment risk, for instance it does not detail what the
size of a negative return could be or the potential for a positive
return to be less than you may require in order to meet your
investment objectives. Further, it does not take into account
the impact of administration fees and tax on the likelihood of a
negative return.
You should still make sure you are comfortable with the risks
and potential losses associated with your chosen investment
option or options you select for your super investment.
You can transfer your money into other options in the Plan at
any time, or ask that future contributions be paid into a different
option, provided you notify us by completing and returning an
Investment Choice Option form or by calling the Helpline on
1800 355 028.
We may change the types of investments included in each
investment option, add an option or remove one of our
investment options at any stage. We will notify you within three
months if we do or no later than 30 days before the change if
the change will or may result in increased costs or fees to you.
The Trustee does not take into account labour standards or
environmental, social and ethical considerations in selecting,
retaining or realising the investments of the Plan.
You should read the important information about the
investment options available to you in the Alcoa Plan before
making a decision.
Go to www.alcoasuper.com.au, select Documents & Forms >
Product Disclosure Statements and read the Alcoa of Australia
Accumulation PDS—Additional information document.
The material relating to the investment options offered by the
Alcoa Plan may change between the time when you read this
Statement and the day when you acquire the product.
Warning: Before selecting an investment option, you must consider
the likely return of the investment option, the risks in the investment
option and your own investment timeframe.
As an Alcoa Plan member you can get limited financial advice over
the phone by calling the Helpline on 1800 355 028. You can also
call the Helpline to make an appointment with a Mercer Financial
Planner who can assist you with your decision. As an Alcoa Plan
member, your initial consultation is free.
Did you know?
Small differences in both investment performance and fees and
costs can have a substantial impact on your long term returns.
For example, total annual fees and costs of 2% of your
account balance in the Plan rather than 1% could reduce your
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 as superior
investment performance or the provision of better member
services justify higher fees and costs.
You may be able to negotiate to pay lower contribution fees
and management costs where applicable. Ask the Plan or your
financial adviser*.
To find out more
If you would like to find out more, or see the impact of the
fees based on your own circumstances, the Australian Securities
and Investments Commission (ASIC) website
(www.moneysmart.gov.au) has a super calculator to help you
check out different fee options.
* Please note that this text is required by law, however Plan fees
are not negotiable.
Main fees and costs for the Growth
Option
This section provides a summary of the main fees and costs for
the Growth option as set out below. This information can be
used to compare costs between different super products.
Type of fee or cost
Fees when your money moves in or
out of the Plan
Establishment fee
Contribution fee
Withdrawal fee
Termination fee
Management costs
The fees and costs for managing
your investment
Amount
Nil
Nil
$60 per withdrawal
Nil
Administration fee of
$1.10 per week plus an
Investment Management
Fee of 0.1% p.a. of your
total account balance
You should be aware that fees and costs can be paid either
directly from your account or deducted from your investment
returns. We may vary our fees at our discretion at any time
without your consent. If we change our fees, we will notify you
no later than 30 days before the change occurs.
You should read the important information about the
investment option-related fees and costs applied to your
account with the Alcoa Plan before making a decision.
Go to www.alcoasuper.com.au, select Documents & Forms >
Product Disclosure Statements and read the Alcoa of Australia
Accumulation PDS—Additional information document.
The material relating to the Alcoa Plan’s investment options
fees and costs may change between the time when you read
this Statement and the day when you acquire the product.
6

7. How super
is taxed
You may wish to use the calculator on ASIC’s consumer
website, www.moneysmart.gov.au for a better understanding
of how super can work for you. You can also use the Alcoa
Lifetime Super Model which is available by logging into the
secure section of the Plan website at www.alcoasuper.com.au.
These calculators can be used to calculate the effect of fees
and costs on your super account balances.
Example of annual fees and costs for
the default option
This table gives an example of how the fees and costs in the
Growth Investment Option (the Plan’s default investment option)
for this product can affect your super investment over a one
year period. You should use this table to compare this product
with other super products.
Example: the Growth
Investment Option
Contribution
Fees
PLUS
Management
Costs
EQUALS Cost
of Plan
Nil
0.1%+57.20
($1.10 per
week)
Balance of $50,000 with total
contributions of $5,000 during year
For every $5,000 you put in, you will
be charged $0.00.
$57.20 in administration fees
regardless of your balance, plus for
every $50,000 you have in the Plan
you will be charged $50 each year.
$107.20 If you put in $5,000 during a year and
your balance was $50,000, then for
that year you will be charged fees of
$107.20.*
What it costs you will depend on the
investment option you choose and
the fees you negotiate with your fund
or financial adviser.**
* For each withdrawal you make you will be charged a withdrawal fee of
$60.00 (including when you leave the Plan early).
** Please note that this text is required by law, however Plan fees are
not negotiable.
Use the Superannuation calculator on the ASIC Money Smart
website, www.moneysmart.gov.au, to calculate the effect of
fees and costs on account balances.
You should read the important information about the Plan’s
investment options and their associated fees and costs before
making a decision.
Go to www.alcoasuper.com.au, select Documents & Forms >
Product Disclosure Statements and read the Alcoa of Australia
Accumulation PDS—Additional information document.
The material relating to the Plan’s investment options and
their associated fees and costs may change between the time
when you read this Statement and the day when you acquire
the product.
The Alcoa Plan will pay the tax applying to your account
directly to the Australian Tax Office (ATO) and deduct this tax
from your account balance. Before-tax contributions into your
super (including compulsory employer contributions) are taxed
at 15%. Contributions into your super made from your aftertax
salary are not taxed. Withdrawals from your account may
be taxed if you are younger than age 60. Once you turn 60,
generally no tax will apply to withdrawals. Investment earnings
are generally taxed at 15%.
Investment earnings are taxed up to 15% but offsets (tax
credits and rebates) apply which may reduce the effective
rate of tax. The investment returns on your account are net
of investment management costs and any tax on investment
income. These amounts are deducted as part of the calculation
of the declared rates.
The above tax rules apply except if you exceed the before or
after-tax contribution limits.
Warning: If you exceed the contribution limits for super you will
pay extra tax.
Please refer to the Contributions cap fact sheet available on the
website for more information.
Warning: You should provide your Tax File Number (TFN) as part of
acquiring the super product. If you don’t tell us your TFN, you may
pay extra tax on your contributions or when you later access your
benefit, or not be able to make some types of contributions. It will
also be more difficult to trace different super amounts in your name,
so you can receive all your super benefits when you retire.
You should read the important information about how tax is
applied to your super before making a decision.
Go to www.alcoasuper.com.au, select Documents & Forms >
Product Disclosure Statements and read the Alcoa of Australia
Accumulation PDS—Additional information document.
The material relating to tax and your super may change
between the time when you read this Statement and the day
when you acquire the product.
8. Insurance in
your super
The Alcoa Plan provides benefits to you and/or your
dependants in the event of your death or disablement. You are
generally covered for this benefit 24 hours a day, seven days a
week, whether you are at work or not.
If you are eligible, the Plan provides standard death and total
and permanent disability (TPD) insurance automatically when
you join the Plan. You are not able to decline or cancel the
insurance that the Plan automatically provides.
7

8. Insurance in
your super cont...
Amount of cover
Your Death and TPD Benefits are equal to:
ff
an insured amount, which is calculated as:
Number of years remaining to your 65th birthday (days
counting as fractions of a year) X 20.5% X your base salary;
plus
ff
the total of your account balances at the date of death or
disablement (less any fees, including the withdrawal fee).
The premium rate is the annual cost per $1,000 of insured
benefit (premium rates are shown in the table below) and is
recalculated each year on 1 July.
Premium Rate Table
Age Rate $ Age Rate $ Age Rate $ Age Rate $
16 0.60 29 0.96 42 2.32 55 9.83
17 0.73 30 0.97 43 2.58 56 10.99
18 0.89 31 1.10 44 2.87 57 12.19
19 1.06 32 1.14 45 3.17 58 13.57
20 1.09 33 1.18 46 3.52 59 14.95
21 1.07 34 1.27 47 3.90 60 16.50
22 1.04 35 1.33 48 4.35 61 18.19
23 1.02 36 1.14 49 4.88 62 20.08
24 0.99 37 1.50 50 5.47 63 22.16
25 0.98 38 1.63 51 6.12 64 24.48
26 0.96 39 1.82 52 6.86
27 0.95 40 1.99 53 7.67
28 0.93 41 2.14 54 8.66
You may need to show evidence of your good health before the
Plan agrees to provide cover. You should be aware that there
are costs associated with insurance cover. Insurance premiums
are deducted directly from your account. The premium you pay
is an annual amount calculated each year and is based on the
level of your insured benefit and your age.
If you make an insurance claim, we will determine whether you
are entitled to be paid, based on the terms of the insurance, the
Plan’s rules and the law.
Exclusions
There are conditions and events that affect the cover you may
be entitled to.
Important: Information about eligibility, health evidence
requirements, exclusions and cessation of cover that may affect
your entitlement to insurance cover can be found in the ‘Insurance
cover’ section of the Alcoa Plan – Additional information
document for the Accumulation Section on the website.
You should read the important information about your
eligibility for insurance cover in the Alcoa Plan and the
cancellation of the insurance cover as well as information
about any conditions and exclusions that are applicable to the
insurance cover before making a decision.
Go to www.alcoasuper.com.au, select Documents & Forms >
Product Disclosure Statements and read the Alcoa of Australia
Accumulation PDS—Additional information document.
The material relating to your eligibility for insurance cover in
the Alcoa Plan and the cancellation of the insurance cover as
well as information about any conditions and exclusions that
are applicable to the insurance cover may change between
the time when you read this Statement and the day when you
acquire the product.
Warning: Information contained in this PDS, including in the
Alcoa of Australia Accumulation PDS—Additional information
document, may affect your entitlement to insurance cover.
You should read this information before deciding whether the
insurance is appropriate.
9. How to open
an account
1. Read this PDS and the other important information referred
to in the PDS.
2. Complete the Application for membership form included
with this PDS or available from www.alcoasuper.com.au
3. You or your employer can then start to make regular
payments into your account and you can start making
additional contributions as well.
If you have any questions about the Plan, or would like to make
a complaint, please contact us at the Alcoa Plan’s contact
details on page 2.
Enquiries and complaints
If you have any enquiries or complaints you can call the Plan
Helpline on 1800 355 028 or write to the Plan Secretary at:
Alcoa of Australia Retirement Plan at Unit 1, 294 Rokeby Road,
Subiaco WA 6008.
If your complaint has not been resolved within 90 days or you
are not satisfied with the Trustee’s decision, you may be able
to lodge a complaint with the Superannuation Complaints
Tribunal (SCT). The SCT is an independent body set up by the
Federal Government to consider certain superannuation related
complaints by members, former members and their beneficiaries.
You can contact the SCT on 1300 884 114 or visit their website
at www.sct.gov.au
Information about the full complaints procedure is available
in the Alcoa of Australia Accumulation PDS—Additional
information document which is available on the website or by
calling the Plan Helpline.
8
You should read the important information about opening
an account in the Plan, or the Plan’s complaints and dispute
resolution process before making a decision.
Go to www.alcoasuper.com.au, select Documents & Forms >
Product Disclosure Statements and read the Alcoa of Australia
Accumulation PDS—Additional information document.
The material relating to opening an account in the Plan, and
the Plan’s complaints and dispute resolution process may
change between the time when you read this Statement and
the day when you acquire the product.

Accumulation Section
Alcoa of Australia Retirement Plan
Application for membership
About this form
We need you to fill out this form to let us know:
• your details
• how much you’d like to contribute – if anything
• which investment options you’d like your money invested in
• who you’d prefer to receive your super if you die while you’re a
member of the Alcoa of Australia Retirement Plan
• your tax file number
To find the information you need to complete this form just look in
the section of the Product Disclosure Statement (PDS) that relates to
the section you’re up to.
Once you’ve finished the form, don’t forget to sign it and
return it to Payroll, Peel Regional Office, PO Box 433, Pinjarra
WA 6208.
If you’re unsure of your decisions, we recommend that you see a
licensed financial adviser.
Step 1 – Complete your personal details
Title Mr Mrs Ms Miss Other Date of birth / /
Given names
Surname
Postal address
Suburb State Postcode
Work telephone number
-
E-mail - see note below
Location
Providing your email address
In the future the Trustee anticipates providing information such as annual reports, member statements, exit statements and notices
of any material changes or occurrence of significant events electronically, rather than in written form as we do at the moment. If this
format becomes available and you’d like to receive this information electronically please advise your email address.
Step 2 – Make a voluntary contribution (optional)
Alcoa contributes to your super – but if you’d like to build wealth faster you can
contribute too
Only complete this section if you want to make voluntary contributions.
I would like to contribute % of my base salary
I’d like to contribute from (select an option ✓ ) After-tax salary Before-tax salary (salary sacrifice)
Issued by Alcoa of Australia Retirement Plan Pty Ltd ABN 80 065 702 454 RSE Licence L0002974 as Trustee for Alcoa of Australia Retirement Plan ABN 80 928 800255
Registration R1057058
*ALCOC.701HI1*

Step 3 – Choose your investment options
Take control of how your super is invested
You can choose one or more investment options or a mix of up to a total of four options. Please ensure the total adds to 100%
otherwise the default investment option will apply until it’s corrected.
If you don’t make a selection you’ll automatically be invested in the default investment option which is the Growth option.
I’d like to invest in the following investment option(s):
Percentage to be invested
Equity %
Growth %
Capital Stable %
Cash %
TOTAL
1 0 0 %
Step 4 – Voluntary insurance cover (casual employees only)
I wish to apply for voluntary insurance cover for death.
I elect not to have voluntary insurance cover for death.
Special note:
The Alcoa of Australia Retirement Plan insurer may require you to provide satisfactory evidence of good health before your insurance
cover commences. In any event, if you’re not at work performing your normal duties on the date you join the Alcoa of Australia
Retirement Plan, then the insurer won’t provide you with death insurance cover before you return to your normal duties.
Step 5 – Nominate your beneficiaries
Who’ll get your super if you die while you’re in the Alcoa of Australia Retirement Plan?
Should I die while a member of the Alcoa of Australia Retirement Plan, I’d prefer my death payout to be paid to the following people
in the proportions shown. The Trustee of the Alcoa of Australia Retirement Plan is not legally bound by your wishes but will
take them into account.
If your personal circumstances change, it is important that you update your nomination. This nomination may be revoked at any time
and will be cancelled automatically by any subsequent nomination.
Name
Relationship to you* Proportion of payout %
Name
Relationship to you* Proportion of payout %
Name
Relationship to you* Proportion of payout %
Name
Relationship to you* Proportion of payout %
Continued over
*ALCOC.701HI2*

Step 5 – Nominate your beneficiaries (continued)
Name
Relationship to you*
Proportion of payout
Total
%
1 0 0 %
* your nominee/s must be a dependant or be your legal personal representative (or the executor of your will). A dependant is defined as:
• your spouse (including de-facto)
• your children including step, adopted, ex-nuptial or posthumous children
• any person you have an interdependency relationship with. Two people have an interdependency relationship if:
1. they have a close personal relationship;
2. they live together;
3. one or each of them provides the other with financial support; and
4. one or each of them provides the other with domestic support and personal care.
An interdependency relationship will also exist between two people if they have a close personal relationship but do not meet the
other criteria as listed above (2, 3 & 4) because either or both of them suffer from a physical, intellectual or psychiatric disability.
• any other person who the Trustee may in its absolute discretion determine to be dependent on you either wholly or in part or to
have a legally enforceable right to look to you for financial support at the date of your death.
Step 6 – Provide your tax file number
Don’t pay more tax than you have to – let us know your tax file number.
Your tax file number is confidential and you don’t have to give it to the Alcoa of Australia Retirement Plan. It is not an offence to not
provide your tax file number. However, you may pay more tax than you have to if you don’t supply it.
My tax file number is: - -
Special note: The Trustee is required by law to ask for your tax file number. By providing your tax file number, you’re allowing the
Trustee to use it to:
• find or identify your super when there’s no other way,
• work out any tax payable,
• pass your tax file number to the tax office when you receive your super payout or have unclaimed super money after reaching
pension age,
• pass your tax file number to any other super fund or account to which your super is transferred in the future, unless you tell the
Trustee in writing not to do so,
• report details of contributions to the tax office for working out whether any tax is applicable if contributions for you exceed certain
limits, and
• where required by law, pass your tax file number to other Government agencies.
If you don’t provide your tax file number, now or later:
• you may pay more tax on contributions made by your employer and certain other contributions made by or for you. In some
circumstances, you may be able to claim this back, however time limits and other rules may apply
• the Trustee will only be able to accept contributions made for you by your employer. No other contributions, for example, after-tax
contributions, can be accepted,
• you may pay more tax on your super benefit that you would otherwise (although you can claim this back when you lodge your tax
return), and
• it may be more difficult to find your super in the future if your change your address without notifying the Trustee or if you rollover
any other super accounts you may have.
The legal purposes for which the Trustee can use your tax file number and the consequences for not quoting your tax file number may
change in the future.
Your Surname
Date of birth / /
Your Given name(s)
*ALCOC.701HI3*

Step 7 – Sign the form
Don’t forget to return this form to Alcoa
of Australia Retirement Plan. You may like
to make a copy for your records.
By signing this form I:
• acknowledge that I have received all information I require in order to exercise the choices I have made.
• accept that I will be bound by the provisions of the trust deed and rules which govern the operation of the Alcoa of Australia
Retirement Plan.
• understand that my personal information will be handled by the Trustee to provide and manage my super. Without this information
the Trustee may not be able to provide my super and choices. For this purpose, my personal information may pass between the
Trustee of the Alcoa of Australia Retirement Plan and its administrator, professional advisers, insurers, government bodies, my
employer and other parties as required, including the trustee of any other super fund that my super is transferred to.
• I consent to the handling of my personal information in this manner. I can access my information by contacting the Privacy Officer
of the Alcoa of Australia Retirement Plan.
• acknowledge that if I’ve provided my email address details in this application form, the Trustee may, at its discretion, use that email
address to send information, including any annual reports, member and exit statements and notices of any material changes or the
occurrence of significant events, by electronic means.
• authorise my employer to deduct from my pay, any voluntary contributions that I have indicated I’d like to make to my super.
• acknowledge that I have read and understood the attached Product Disclosure Statement dated 22 June 2012 and agree to be
bound by it.
Signature
Date
/ /
✗
Employer use only section (If you use Mercer Spectrum you only need to sign the form below, other details are provided through Mercer Spectrum).
Location
Employee ID No
Category of membership
Date member employed
/ /
Date member joined the Plan Annual Superannuation Salary on joining Fortnightly / Monthly
/ / $ , ,
Employment status Perm. full time Perm. part time Casual (please tick one option)
I certify that the above named member was at work OR not at work performing their normal duties on the date they joined the Plan
(If not at work please provide details)
Employer’s Eligibility Certificate (Select applicable option)
This employee has joined the Fund at the first available opportunity (ie had not previously elected an alternative super fund under Choice of Fund).
Yes OR No
Authorised signatory
✗
Date / /
Issued by Alcoa of Australia Retirement Plan Pty Ltd ABN 80 065 702 454 RSE Licence L0002974 as Trustee for Alcoa of Australia Retirement Plan ABN 80 928 800255
Registration R1057058
*ALCOC.701HI4*
20120621

Notes

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