Superannuation funds

BT Super for Life - Superannuation you can set up and manage alongside your Westpac Online accounts
Super Cash interest rate	4.65% p.a.*
Monthly Administration fee	$5
Management fee	0% on Super Cash
Management fee	0.99% p.a. of your account balance on all other investment options
Other costs	The only other cost is the buy/sell spread when we buy or sell investments for you
Information on profiles and performance of the other BT Super for Life investment options is available at btsuperforlife.com.au

Superannuation set up and managed via a financial adviser
BT Lifetime Personal Superannuation	Current performance
BT Personal Portfolio Service Superannuation	Current performance
BT Portfolio SuperWrap Essentials - Personal Super Plan	Current performance
Lifetime Superannuation Service Contribution	Current performance
Lifetime Superannuation Service Nil contribution	Current performance

BT and Westpac

BT Financial Group is part of Westpac Banking Corporation, and has been helping Australians create, manage and protect their wealth since 1969.

About BT and Westpac

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*Rate is current at 8 December 2008. Rate is subject to change at any time. The interest paid out on a BT Super for Life Super Cash account will differ according to the following scenarios:
- In a BT Super for Life Retirement or Transition to Retirement account, the interest paid will be 4.65% p.a. No tax is payable on this interest.
- In a BT Super for Life Savings account, the interest paid will be 4.65% p.a. minus 15% tax. In this account, the customer is unable to access their money until they are retired or have reached their preservation age or meet a condition of release.