Annual statement

1 July 2021 - 30 June 2022

Prepared for Pa Xiong
Member Number: 901799676

Your starting balance Your finishing balance Your investment earnings

$1,971.48 $3,025.43 -$18.76

as at 1 July 2021 as at 30 June 2022 after investment fees and costs
and transaction costs.

Your account at a glance Amount

Balance as at 1 July 2021 $1,971.48

Your personal details
Contributions $1,315.20 Name: Pa Xiong

Net investment earnings -$18.76 Member number: 901 799 676

Age and gender: 35, Female

Transfers and roll-ins $0.00
Phone: 0478 681 035
Withdrawals and transfers out $0.00
Address: 14 Adonis Street, Mount Sheridan
Tax -$189.30 QLD 4868
Information current as at 17 October 2022
Insurance premiums and fees No cover

Fees -$53.19

Balance as at 30 June 2022 $3,025.43

Investment option returns to 30 June 2022 10yrs % p.a. 5yrs % p.a. 1yr %

Lifecycle Investment Strategy

Balanced Pool 8.98% 7.14% -0.92%

The Australian Retirement Trust Super Savings investment options have adopted from 28 February 2022 the pre-merger investment strategies of the
Sunsuper investment options. To show the investment performance of the Super Savings options, we have included the performance history for the
respective Sunsuper options over the investment return periods shown. If you had multiple Australian Retirement Trust Super Savings accounts, this
section shows returns for option(s) the account with the highest balance was invested in at 30 June 2022. Please refer to the section Your investments for
the full list of your selected options. Past performance is not a reliable indication of future performance. Returns are after investment fees and costs,
transaction costs and investment taxes but before Administration fees and costs. The returns shown above are not the returns of your individual
investment in the investment options. The actual return received by individual members depends on the timing of contributions and other transactions
and the unit prices that applied on the dates those transactions took place.

Your statement is made up of this Annual statement and the accompanying Notes to your Annual statement. The Notes to your Annual statement contain important information that
explains and complements the information in this Annual statement. If relevant, this statement includes your Sunsuper transactions prior to 28 February 2022.
1 of 6
Your Super Savings Accumulation account statement in detail
Make sure you read the Notes to your Annual statement. The Notes to your Annual statement contain important
information that explains and complements the information in this Annual statement.
On 28 February 2022, Sunsuper and QSuper merged to form Australian Retirement Trust. If you were a
Sunsuper member, any Sunsuper account which you held at the time of merger was transferred to an
equivalent Super Savings account in Australian Retirement Trust which had the same key features and
benefits. This Annual statement covers both your previous Sunsuper account (for the period prior to the
merger), and the equivalent Australian Retirement Trust Super Savings account (for the period after the
merger), presented together as a single continuing account.
Accordingly, some Sunsuper transactions which occurred prior to the merger, will display in this statement as
Australian Retirement Trust transactions.

Your preservation summary

Description Amount

Available as cash at 30 June 2022, if requested (Unrestricted non-preserved) $0.00

Available when you leave your employer (Restricted non-preserved) $0.00

Available when you retire after reaching your preservation age (Preserved) $3,025.43

Total $3,025.43

Your preferred beneficiaries in detail

Beneficiary % of benefit

Simon Her 35.00%

Titus Her 35.00%

Thong Thao 30.00%

Your investments
This section shows you where your money was invested and how money paid into your account in the future
will be invested. To learn more about our range of investment options get a copy of the Investment guide from
our website. You can find out more about your investment performance at
australianretirementtrust.com.au/investments

How your money was invested

Investment option Opening Closing Units held Balance

unit price at unit price at 30 June 2022 30 June 2022
1 July 2021 30 June 2022

Lifecycle Investment Strategy

Balanced Pool 1.95984 1.94185 1,558.0167 $3,025.43

2 of 6
 The change between the opening unit price at 1 July 2021 and the closing unit price at 30 June 2022 may be used to reflect an annual rate of return for
each investment option after investment fees and costs, transaction costs and investment taxes. These rates of return apply to money that was invested
for the whole period. The actual return received by individual members depends on the timing of contributions and other transactions and the unit
prices that applied on the dates those transactions took place. Past performance is not a reliable indication of future performance.

How money paid to your account will be invested in the future

Investment option Allocation percentage

Lifecycle Investment Strategy 100%

Contributions

Employer contributions

Date Received from Contribution Tax Tax Contribution

before tax adjustment after tax

24/06/2022 Violet Nails Waxing $1,205.60 -$180.84 $7.95 $1,032.71

27/06/2022 Violet Nails Waxing $109.60 -$16.44 $0.00 $93.16

Total $1,315.20 -$197.28 $7.95 $1,125.87

A positive amount in the tax column of the table above represents a tax credit.

Australian Retirement Trust passes on the benefit of tax deductions received for administration fees and costs, and insurance premiums charged to your
Super Savings account via a tax adjustment, which reduces the contributions tax you are charged. Rounding variations in the calculation of contributions tax
may also be reflected as tax adjustments in this section. If there have been adjustments on your account for administration fees and costs, or insurance
premiums, this may be reflected as a negative tax adjustment amount.

You should check that all contributions from your employer/s have been received. If you think some contributions are missing, you should contact your
employer. If you think your employer has not met their super obligations, you can contact the ATO.

Net investment earnings

Description Amount

Investment earnings -$2.44

Investment fees and costs -$12.90

Transaction costs -$3.42

Total -$18.76

Tax

Date Description Amount

2021/2022 Contributions tax -$189.33

3 of 6
 Date Description Amount

2021/2022 Contributions tax adjustment $0.03

Total -$189.30

Any contributions tax amount above is net of any tax adjustment for fees and premiums shown in the Contributions section of this Annual statement. An
end of year reconciliation ensures that correct total contributions tax has been calculated, and an additional contributions tax adjustment has been
applied.

Fees

Administration fees and costs

Month Dollar based administration Percentage administration Total administration

fees fees fees you paid

Jul 2021 -$7.50 -$0.16 -$7.66

Aug 2021 -$6.00 -$0.16 -$6.16

Sep 2021 -$6.00 -$0.15 -$6.15

Oct 2021 -$7.50 -$0.19 -$7.69

Nov 2021 -$6.00 -$0.16 -$6.16

Dec 2021 -$7.50 -$0.19 -$7.69

Jan 2022 -$6.00 -$0.16 -$6.16

Feb 2022 -$6.00 -$0.15 -$6.15

Mar 2022 -$6.00 -$0.15 -$6.15

Apr 2022 -$7.50 -$0.19 -$7.69

May 2022 -$6.00 -$0.16 -$6.16

Jun 2022 -$6.00 -$0.21 -$6.21

Total -$78.00 -$2.03 -$80.03

This table shows the fees deducted directly from your account. Costs met from reserves form part of administration fees and costs but are not deducted
from your account and are shown in the Fees and costs summary in this statement.

You can view an itemised list of all transactions on your account. Simply log in or register for Member Online, select ‘Transaction history’ then scroll down
to ‘View detailed transaction list’. Alternatively call us on 13 11 84 and we’ll send you a copy.

Fee cap refund

Date Description Amount

2021/2022 Low balance account fee refund $26.84

Refer to the Notes to your Annual statement for information about the fee cap refund.

4 of 6
Fees and costs summary

Fees deducted directly from your account

Description Amount

Insurance premiums and fees $0.00

Administration fees and costs -$80.03

Fee cap refund $26.84

Other fees deduced from your account $0.00

Total fees deducted directly from your account -$53.19

This amount has been deducted directly from your account (reflected in the transactions listed on this statement).

Fees and costs deducted from your investment

Description Amount

Investment fees and costs -$12.90

Transaction costs -$3.42

Costs met from reserves* -$1.40

Total fees and costs deducted from your investment -$17.72

This approximate amount has been deducted from your investment and covers amounts that have reduced the return on your investment and that are not
reflected as transactions listed on this statement or in the Additional explanation of fees and costs. Refer to the Notes to your Annual statement for more
information.

*A portion of the costs of administering your super account are paid from Australian Retirement Trust’s general reserve. Refer to Costs met from reserves in
the Notes to your Annual statement for more details.

Total fees and costs you paid

-$70.91

This approximate amount includes all the fees and costs which affected your investment during the period.
Refer to the Additional explanation of fees and costs in the Notes to your Annual statement for more details.

Make sure you read the Notes to your Annual statement. The Notes to your Annual statement contain important
information that explains and complements the information in this Annual statement.

5 of 6
Australian Retirement Trust Pty Ltd, ABN 88 010 720 840, AFSL No. 228975, is the issuer of this Annual statement and the Trustee of the Australian Retirement
Trust ABN 60 905 115 063, Unique Super Identifier (USI) 60 905 115 063 003. This statement was prepared on 17 October 2022.

This statement does not describe all conditions affecting the amount and availability of benefits and is not a promise of any particular benefit. The payment
of benefits is subject to the Trust Deed, any applicable insurance policy and government legislation. While every effort is made to ensure that the
information contained in this statement is correct, you should not make financial decisions or commitments based on the amounts shown. The Trustee
reserves the right to correct any error or omission. Please advise Australian Retirement Trust by calling 13 11 84 should any of your personal details appear
incorrect.

All advice in this Annual statement is general advice only (with the exception of any retirement estimate provided) and does not take into account your
objectives, financial situation or needs. You should consider the appropriateness of any advice having regard to your objectives, financial situation and needs
before acting on that advice. A copy of the relevant Product Disclosure Statement (PDS) & Target Market Determination (TMD) can be obtained by visiting
australianretirementtrust.com.au or calling 13 11 84. You should consider the PDS in deciding whether to acquire, or to continue to hold, the product.

Need some financial advice? Speak to your adviser. If you don’t have a personal financial adviser, Australian Retirement Trust has qualified financial
advisers who can provide advice about your Super Savings account. This service is included in your membership.1 If the advice you need is more complex or
comprehensive in nature, we may refer you to an accredited external financial adviser.2 Advice of this nature may incur an additional fee.
1
Australian Retirement Trust employees provide advice as representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS),
wholly owned by Australian Retirement Trust. SFS is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer
to the Financial Services Guide (FSG) for more information.
2
Australian Retirement Trust has established a panel of accredited external financial advisers who are not employees of Australian Retirement Trust.
Australian Retirement Trust is not responsible for the advice provided by these advisers and does not receive or pay any referral fees. These advisers will
explain to you how their advice fees are determined.

6 of 6