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<div class=Section1>
<p class=MsoNormal><span style='color:#1F497D'>Dear Fellow Ministers and
members of CRCA super fund,<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'>Following John Westendorp’s
email pointing out that IOOF was originally formed by one of the Masonic Lodges,
I made inquiries with IOOF whether that connection still exists.<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'>I am glad to be able to report
that this connection has been broken when IOOF was demutualised as the
following email from the Corporate Affairs Manager makes clear:<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><o:p> </o:p></p>
<p class=MsoNormal><span style='color:#1F497D'>Hi 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'>I can confirm that IOOF Holdings
Limited does not currently have, nor has it had, a masonic influence within its
management since the mid to late 1980s.<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'>Following the appointment of the
first non-associated CEO to the organisation in 1982, IOOF looked to revitalise
itself beyond its origins as a Mutual Society in 1846 to become a
provider of savings, superannuation and retirement services. (Blainey G. (1991)
<i>Odd Fellows - A History of IOOF Australia</i>, Allen & Unwin).<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'>Like other large Australian
Mutuals and Friendly Societies, IOOF demutualised in 2002 and listed on the
Australian Securities Exchange in 2003. In addition to the current IOOF
management’s independence from its historic connections, as a listed
entity, it is considered good corporate governance practice to have an
independent Chairperson and a majority of independent Directors. Five of
IOOF’s six Directors (including the Chairman) are considered
independent of management. <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'>I hope this addresses any concerns
your client may have. I would be happy to take them through IOOF’s
Leadership Group credentials if this would assist.<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'>Regards<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>Melinda<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><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:black'>Melinda Hofman</span></b><span style='font-size:12.0pt;font-family:
"Times New Roman","serif";color:#1F497D'><o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:black'>Corporate Affairs Manager</span><span style='font-size:12.0pt;
font-family:"Times New Roman","serif";color:#1F497D'><o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#007229'>IOOF Holdings Limited</span></b><span style='font-size:12.0pt;
font-family:"Times New Roman","serif";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'>I hope that allays any concerns
that you may have about Masonic connections .<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'>With kind regards,<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'>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'><img width=130 height=87
id="_x0000_i1026" src="cid:image002.png@01CE5B1D.E59E0240"><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>
<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>
<div>
<div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0cm 0cm 0cm'>
<p class=MsoNormal><b><span lang=EN-US style='font-size:10.0pt;font-family:
"Tahoma","sans-serif"'>From:</span></b><span lang=EN-US style='font-size:10.0pt;
font-family:"Tahoma","sans-serif"'> John Westendorp [mailto:tcrc@aapt.net.au] <br>
<b>Sent:</b> Friday, 24 May 2013 5:50 AM<br>
<b>To:</b> 'Peter Abetz'; crca@crca.org.au<br>
<b>Cc:</b> mins@crca.org.au<br>
<b>Subject:</b> [SPAM] RE: [Mins] Important message for ministers and employees
regarding superannuation<o:p></o:p></span></p>
</div>
</div>
<p class=MsoNormal><o:p> </o:p></p>
<p class=MsoNormal><span style='color:black'>Wow, Peter, that brings back
memories for me.<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:black'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='color:black'>When we first came to Australia my
parents took out health insurance with IOOF. We were living in Bonnie
Doon in central Victoria at the time. Six years later the family moved to
Dandenong. I recall a home visit the family had from the elders of the
church where the question of Masonic Lodge membership and other secret
societies came up. It was a real issue in those days as many Reformies
left the Presbyterian Church over that issue and liberalism. My Dad
acknowledged involvement with the Masons – but only through their
mutual health fund. The upshot of the discussion was that my Father was
convicted that he was wrong in staying with them as he was indirectly supporting
the Masonic Lodge. You are now telling his son that his super will now be
handled by the Independent Order of Odd Fellows – a Masonic order.
I’m going to have to think about that and maybe others will too. Do
we support the Masons just for some financial gain? Good question, or
what?<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:black'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='color:black'>Shalom<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:black'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='color:black'>John Westendorp<o:p></o:p></span></p>
<div>
<div style='border:none;border-bottom:double windowtext 2.25pt;padding:0cm 0cm 1.0pt 0cm'>
<p class=MsoNormal align=center style='text-align:center'><b><span
style='font-size:14.0pt;color:#943634'><o:p> </o:p></span></b></p>
</div>
<p class=MsoNormal align=center style='text-align:center'><b><span
style='font-size:14.0pt;color:#943634'><o:p> </o:p></span></b></p>
<p class=MsoNormal align=center style='text-align:center'><b><span
style='font-size:14.0pt;color:#943634'>Westy’s Weekly Blog<o:p></o:p></span></b></p>
<p class=MsoNormal align=center style='mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;text-align:center'><b><span style='font-size:24.0pt;font-family:"Times New Roman","serif";
color:#C00000'>Keep it to yourself<o:p></o:p></span></b></p>
<p class=MsoNormal align=center style='mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;text-align:center'><span style='color:#E36C0A'>This past week I was
following a discussion on the Internet about the growth of atheism in
Australia. Apparently, according to figures from the latest census, the
number of professing atheists in Australia has grown. Our local newspaper
triggered the debate by asking whether there was still a future for religion.<o:p></o:p></span></p>
<p class=MsoNormal align=center style='mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;text-align:center'><u><span lang=EN-US style='font-size:10.0pt;font-family:
"Arial","sans-serif";color:blue'><a
href="http://www.crca.org.au/Blogs/John_Westendorp/Keep_it_to_yourself">Read
more…!</a></span></u><span lang=EN-US style='font-size:12.0pt;font-family:
"Times New Roman","serif";color:black'><o:p></o:p></span></p>
</div>
<p class=MsoNormal><span style='color:black'><o:p> </o:p></span></p>
<div>
<div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0cm 0cm 0cm'>
<p class=MsoNormal><b><span lang=EN-US style='font-size:10.0pt;font-family:
"Tahoma","sans-serif"'>From:</span></b><span lang=EN-US style='font-size:10.0pt;
font-family:"Tahoma","sans-serif"'> mins-bounces@crca.org.au
[mailto:mins-bounces@crca.org.au] <b>On Behalf Of </b>Peter Abetz<br>
<b>Sent:</b> Friday, 24 May 2013 1:15 AM<br>
<b>To:</b> crca@crca.org.au<br>
<b>Cc:</b> mins@crca.org.au<br>
<b>Subject:</b> [Mins] Important message for ministers and employees regarding
superannuation<o:p></o:p></span></p>
</div>
</div>
<p class=MsoNormal><o:p> </o:p></p>
<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=MsoListParagraph style='margin-bottom:12.0pt;text-indent:-18.0pt;
mso-list:l0 level1 lfo2'><![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<o:p></o:p></p>
<p class=MsoListParagraph style='text-indent:-18.0pt;mso-list:l0 level1 lfo2'><![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@01CE5853.4A2435E0"><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'><a href="mailto:pabetz@crca.org.au">pabetz@crca.org.au</a><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'><a href="http://www.gracecrc.org.au">www.gracecrcorg.au</a><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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