Westpac Internet -PBISS BTSFL $10,000 cash competition

or call 1300 653 553 for more information

Make your super savings work harder for you

Super is one of those things that we tend to put off and remind ourselves to sort out later. It piles up and we tend not to think about it being one of our biggest assets. But there are some really good reasons why we should think about it and start to sort it out:

Stop paying multiple fees and consolidate. This means more money where it belongs – in your super
Save up to 46% on fees compared to average retail super funds¹
Direct all your super savings into one fund and see what a difference it can make, each time you log in to your Westpac Online Banking.

How to enter for your chance to win $10,000 cash*

Between 24 July 2008 and 30 November 2008 all new and existing BT Super for Life customers have the chance to win. There are five ways that you can enter:

1. Rollover/consolidate funds from an existing superannuation fund into your BT Super for Life account using our convenient online

rollover service

.²

2. Contribute a minimum of $1,000 to your BT Super for Life account using Electronic Funds Transfer ('EFT'). You can do this by topping up your super savings at the click of a button when you are logged in to your Westpac Online Banking.

3. Contribute a minimum of $1,000 to your BT Super for Life account using BPAY^®.

4. Transfer a minimum of 20,000

Altitude Card Reward points

from a Westpac Altitude Card to your BT Super for Life account. It is not a requirement of the Competition that the Westpac Altitude Card is in the name of the account holder so you could contribute your points on behalf of your spouse or child.

5. Instruct your employer to make regular future superannuation contributions into your BT Super for Life account. You can find the form you need when you log in to your

Westpac Online Banking

, in the Superannuation section and printing and signing your choice of superannuation fund form and handing it to your employer.

Multiple entries are permitted, so there has never been a better time to sort out your super.

For more details on the competition read the full terms and conditions of entry.

About BT Super for Life

Created by Westpac's superannuation specialist, BT Financial Group has teamed up with Westpac to make managing your super easier than ever with the award winning BT Super for Life. In a first for an Australian bank, BT Super for Life is the only super fund that allows you to conveniently see and manage your super alongside your other Westpac accounts through your Westpac Online Banking.

If you don't already have a BT Super for Life account, have your tax file number handy to set up an account, and call 1300 653 553 or visit BT Super for Life (www.btsuperforlife.com.au) for more information.

General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. Consider our disclosure documents, which include Product Disclosure Statements (PDS) for some products. The PDS is relevant when deciding whether to acquire or hold a product. View our Australian Prudential Regulation Authority Registrable Superannuation Entity (RSE) Licence & Registration numbers.

By accessing and viewing this website you agree to be bound by the Terms and Conditions of this website.

*Terms and Conditions apply.
Competition starts 24 July 2008 and closes 30 November 2008. The prize is a $10,000 cheque. Entrants must: [1] hold the BT Super for Life Savings Account, BT Super for Life Transition to Retirement Account, or BT Super for Life Retirement Account in their sole name ("Account"); and [2] rollover funds from an existing superannuation account, or contribute a minimum $1,000 to the Account using Electronic Funds Transfer or BPAY®, or transfer a minimum 20,000 Altitude Card Reward points to the Account from a Westpac Altitude Card, or have regular future employer superannuation contributions made into the Account before the Competition closes. The Draw will be held on 15 December 2008 at 12.00pm EDST on level 12, 275 Kent Street Sydney NSW 2000. The winner will be selected by random selection from a computer database and will be notified by telephone and/or registered mail by 22 December 2008. The winner's name will be published in The Australian newspaper on 22 December 2008. The winner and BT's representative will work together to determine a Westpac branch for the Winner to collect the Prize and a time for collection. The winner must claim the prize by 12 April 2009. Read the full terms and conditions or visit www.bt.com.au/10000-offer. BT Financial Group Pty Limited ABN 38 087 480 331 275 Kent Street Sydney NSW 2000. Authorised under NSW Permit No. LTPS/08/07109, Vic Permit No. 08/3222 issued on 18 July 2008, ACT Permit No. TP 08/02928, SA Permit No. T08/2823..

1 Source: SuperRatings Pty Ltd. BT Super for Life fees are 46% lower than the average fees according to Product Disclosure Statements (PDS) on an account balance of $50,000 with an annual contribution of $5,000. This comparison is based on a default investment option or multi-manager balanced/growth investment option of each fund. The funds are representative of the retail personal super funds sector as at 19 September 2007. Fees are subject to change

2 BT offers an online Super Consolidation rollover tool; however you may be charged certain fees such as withdrawal or exit fees by the super fund(s) from which transfers are made. Consolidating your super will depend on your other super fund managers accepting your forms and having the information they need from you. Changing your superannuation provider may affect any insurance cover you may have with that superannuation provider. For example, it may be discontinued and you may not be able to obtain equivalent cover.