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<div class=Section1>
<p class=MsoNormal>Dear CRCA Super Fund Members,<o:p></o:p></p>
<p class=MsoNormal><o:p> </o:p></p>
<p class=MsoNormal>Back in April, you would have received a letter from Plan B,
advising that IOOF had taken over the business of Plan B, which means that IOOF
(or more specifically IOOF Investment Management Limited - abbreviated to
IIML) is now the trustee for the Lifetime Superannuation Fund - CRCA Employer
Super Fund. (The CRCA Super Fund is a sub-plan of the Lifetime Superannuation
Fund).<o:p></o:p></p>
<p class=MsoNormal><o:p> </o:p></p>
<p class=MsoNormal>The reason for this friendly takeover was that Plan B
realised that in an ever more competitive market, the cost of operating a
relatively small business becomes more difficult, and made its fees
increasingly less competitive.<o:p></o:p></p>
<p class=MsoNormal>In the second half of 2013 all CRCA Super accounts will be
transferred over to IOOF’s product known as <b>Spectrum Super</b>, which is one
of the largest corporate super funds used by employers, including names like
Bendigo Bank Staff, The Perth Mint, Ausdrill, BGC, Blackmores and Crown
Equipment. IOOF has offices in every capital city of Australia with dedicated
Relationship Managers able to assist members.<o:p></o:p></p>
<p class=MsoNormal><o:p> </o:p></p>
<p class=MsoNormal>There are two big benefits to you:<o:p></o:p></p>
<p class=MsoNormal><o:p> </o:p></p>
<p class=MsoListParagraphCxSpFirst style='text-indent:-18.0pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span
style='mso-list:Ignore'>1.<span style='font:7.0pt "Times New Roman"'>
</span></span><![endif]>The fees drawn from your account each year will be significantly
less<br>
<br>
<o:p></o:p></p>
<p class=MsoListParagraphCxSpLast style='text-indent:-18.0pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span
style='mso-list:Ignore'>2.<span style='font:7.0pt "Times New Roman"'>
</span></span><![endif]>You will have a much larger range of investment
options. You can still chose to simply leave your funds in the default account
setting (very similar to the current default setting), or you can choose from a
wide range of investment options (over 400!). You will be able to invest in
ready made portfolios (much like the various Plan B options), or self selected
managed funds, or you can choose to virtually manage your own investment
portfolio via their website, where you can allocate your funds to buy /sell
ASX300 shares or you can opt for term deposits. <o:p></o:p></p>
<p class=MsoNormal style='margin-left:18.0pt'>When the change occurs you will
be notified in writing and receive information about all your options, or you
can visit <a href="http://www.spectrumsuper.com.au">www.spectrumsuper.comau</a>
for further details.<o:p></o:p></p>
<p class=MsoNormal style='margin-left:18.0pt'><o:p> </o:p></p>
<p class=MsoNormal>As the church has an obligation to provide for ministers and
their families in the event of serious illness or death, the current default
Death and Total Permanent Disability (TPD) insurance levels will be carried
over to your new Spectrum Account. If you wish to increase your life and TPD
insurance within Spectrum Super you can do so, but (as previously) you can not
go below the minimum with out the approval of the denominational committee
responsible for looking after superannuation issues.<o:p></o:p></p>
<p class=MsoNormal><o:p> </o:p></p>
<p class=MsoNormal>The purpose of this letter is just to keep you informed as
to what is happening with your current superannuation account. <o:p></o:p></p>
<p class=MsoNormal><o:p> </o:p></p>
<p class=MsoNormal>Any new employee /minister will automatically be joining
Spectrum Super and not Plan B’s Lifetime Superannuation Fund. <o:p></o:p></p>
<p class=MsoNormal><o:p> </o:p></p>
<p class=MsoNormal>With kind regards<o:p></o:p></p>
<p class=MsoNormal><o:p> </o:p></p>
<p class=MsoNormal><span style='color:#1F497D'>Peter<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>(Member of the CRCA Super Policy
Committee)<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><img border=0 width=130
height=87 id="Picture_x0020_1" src="cid:image001.png@01CE580B.46861540"><o:p></o:p></span></p>
<p class=MsoNormal><b><span style='color:#1F497D'>Rev Peter Abetz MLA<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='color:#1F497D'>(Associate Pastor)</span></b><span
style='color:#1F497D'><o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>67 Froudist Circle<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>Southern River 6110<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><b><span style='color:#1F497D'>Phone: </span></b><span
style='color:#1F497D'>Home +61 (0)8 9456 2712<o:p></o:p></span></p>
<p class=MsoNormal><b><span style='color:#1F497D'>Electorate Office: </span></b><span
style='color:#1F497D'>+61 (0)8 9256 4900<o:p></o:p></span></p>
<p class=MsoNormal><b><span style='color:#1F497D'>Mobile: </span></b><span
style='color:#1F497D'>0409 076 155<o:p></o:p></span></p>
<p class=MsoNormal><b><span style='color:#1F497D'>E-mail: </span></b><span
style='color:#1F497D'>pabetz@crca.org.au<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><b><span style='color:#1F497D'>Grace Christian Reformed
Church<o:p></o:p></span></b></p>
<p class=MsoNormal><span style='color:#1F497D'>Current place of worship:<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>Seveth Day Adventist Church<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>Wendling Rd<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>North Beach WA 6020<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><b><span style='color:#1F497D'>Worship times: </span></b><span
style='color:#1F497D'>Sundays: 8:30 am & 10.30 am<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><b><span style='color:#1F497D'>Website: </span></b><span
style='color:#1F497D'>www.gracecrc.org.au<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
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