BUSSQ Pension Choice PDS (1)

PENSION
CHOICE
PRODUCT DISCLOSURE STATEMENT ISSUED: 30 SEPTEMBER 2015
building better futures

2
Welcome......................................................................1
The one for you............................................................2
BUSSQ Pension features and benefits...........................3
About BUSSQ’s Pensions...............................................4
Our Pensions................................................................5
Transition to Retirement Pension & strategies..............6
Retirement Pension......................................................8
4 EASY STEPS TO START
YOUR BUSSQ PENSION
DOYOUR HOMEWORK
Eligibility...................................................................10
Minimum investment..................................................10
Choose a Pension.......................................................10
Centrelink and social security...................................11
GETYOUR MONEY TOGETHER
Consolidate before starting your Pension..................12
MAKE SOME DECISIONS
How much Pension.....................................................13
Pension frequency, type and amount..........................16
Investment choice options.........................................17
Choose your beneficiaries.........................................28
COMPLETE THE FORMS
Important information................................................30
Tax and your Pension.................................................32
Fees and other costs...................................................36
Managing your money...............................................39
Other information .....................................................40
Financial services guide............................................42
Checklist....................................................................46
Forms.........................................................................47
Valuable services for members..................................47
TABLE OF
CONTENTSIMPORTANT INFORMATION
This Product Disclosure Statement (PDS) describes the
main features, benefits and conditions of the BUSSQ
Transition to Retirement and Retirement Pension
products. The PDS follows the requirements set by
the Australian Securities and Investments Commission
(ASIC).
It will help you to:
Decide whether this product will meet your needs, and
Compare this product with others you may be
considering.
The offer made in this PDS is only available to persons
receiving the PDS within Australia. Applications from
outside Australia will not be accepted.
Regulated fund
BUSSQ (ABN 85 571 332 201) is a regulated fund
which is operated to comply with the Superannuation
Industry (Supervision) Act 1993. BUSSQ’s Super Fund
Number is 268948.
BUSS(Queensland) Pty Ltd (ABN 15 065 081 281) is
a Registrable Superannuation Entity licence number
L0002158. BUSSQ’s AFSL number is 237860.
The administrator of BUSSQ is Australian
Administration Services (AAS).
Getting advice
The advice in this PDS is of general nature. Therefore,
this PDS has been prepared without taking into
account your individual financial needs, circumstances
and objectives. It should be read in conjunction with the
latest Annual Report. You can download a copy from
the BUSSQ website at bussq.com.au.
We encourage you to assess your own financial
situation before making an investment decision based
on the information contained in this PDS. You may wish
to seek the advice of a qualified Financial Planner to
help you with your decision making (see inside back
cover for more information on the financial advice
BUSSQ offers).
Your employer is not authorised to give you financial
advice, unless your employer holds an AFSL, or is a
representative or an authorised representative of an
AFSL holder.
Explanation of super terms used
Throughout this PDS we have tried to use simple
language to explain your Pension benefits. However,
there were occasions where some terms could not be
simplified. If you would like an explanation of a term
used in this PDS, go to the resources section at
bussq.com.au where a glossary of industry
terminology can be found or call us.
CONTACTING US
BUSSQ makes it easy for you to
contact us at your convenience.
WEB bussq.com.au
PHONE 1800 PENSION (1800 736 746)
EMAIL super@bussq.com.au
VISIT BUSSQ has offices in various
locations. For details go to
bussq.com.au and search
‘visit us’.
STEP
1
STEP
2
STEP
3
STEP
4

Hello!It’s great you
are considering a BUSSQ
Pension to help you meet
your retirement goals.
When you decide to join us you can rest assured,
knowing we will work hard to help you make the
most of your BUSSQ Pension. Because BUSSQ is a
profit for members industry fund, you can also be
comfortable knowing that your best interests are our
top priority.
We are constantly looking at ways to enhance
our products and services to make sure we continue
to offer you the best value. Keeping fees low,
providing strong returns,good service and most
of all, assisting you to improve your retirement
lifestyle are our top priority.We want you to
have the tools you need to make informed
choices about your super, so you can
make the most of it and enjoy the kind
of lifestyle you have worked hard for
and deserve.
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THIS PDS CONTAINS IMPORTANT
INFORMATION ABOUT INVESTING
YOUR MONEY IN A BUSSQ PENSION.
WELCOME
“THANKS TO MY BUSSQ
PENSION,I AM ENJOYING MY
RETIREMENT LIFESTYLE.”
DAVID SMITH

2 PENSION CHOICE PRODUCT DISCLOSURE STATEMENT
BUSSQ
THE ONE FORYOU
Unlike many other super funds that pay profits to
shareholders or commissions to agents before distributing
a reduced profit to members, BUSSQ is an industry fund
that returns profits to members.
Profits are returned
to members
BUSSQ was awarded a 7 year (2008-2015) Platinum rating
for our Pension products by industry body, SuperRatings.
This is the highest rating available and is awarded to funds
that offer the best Pension solutions to members on the
basis of strong investment returns, low fees, good customer
service and additional benefits to members including
financial planning advice.
Strong investment
returns
There are NO establishment or administration fees on our
Transition to Retirement or Retirement Pensions. BUSSQ
is an industry fund and keeps its fees low to ensure more
money goes to members.
Competitive fees
Financial Planning
advice
BUSSQ has 11 investment options you can choose from,
each with a distinctly different investment objective and
strategy.You can tailor your investment approach to suit
your individual needs by “mixing and matching” the
options.
Investment
choice
Our key objective is to assist you in maximising your retirement savings so you can
enjoy a comfortable lifestyle in retirement.
BUSSQ offers members personal limited financial advice
about Pensions, including choosing investments and
contributions, at no extra cost as it is included in the fund’s
administration fees. Some of this advice is offered over the
phone by our Financial Planners.
BUSSQ also offers members and non-members more
complex advice on a fee for service basis.This advice is
delivered by BUSSQ’s in house Financial Planners and can
be done in person or over the phone. Non-BUSSQ members
who receive advice will need to be billed for the advice
separately.
Our fees for financial advice are low,structured purely
for cost recovery and if you’re a member they can be
deducted from your super account,so you won’t be out of
pocket.The rate of $150 per hour includes GST.
To find out more go to bussq.com.au or call
us on 1800 PENSION (1800 736 746).

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BUSSQ PENSION FEATURES
AND BENEFITS
PICK A BUSSQ PENSION
Age Preservation age - 64 65+
WORKING
Transition to
Retirement
Retirement
Pension
RETIRED
Retirement
Pension
Retirement
Pension
BUSSQ PENSION BENEFITS
Once you have opened a BUSSQ Pension account, you will
have access to these services:
Dedicated Pension hotline
Our toll free Pension hotline allows Pension fund
members to manage their own retirement income.
You can call 1800 PENSION (1800 736 746) to speak
directly to one of our friendly staff in our specialist
Pension team who will be able to assist you with
your retirement income queries. From changing the
frequency of your Pension payments and the amount
you receive, to changing your investment options,
our team are there to assist you 8am-6pm (EST/EDT*)
Monday to Friday.
* EST = Eastern Standard Time (during winter e.g. 6 pm Qld)
EDT = Eastern Daylight Time (during summer e.g. 5 pm Qld)
Online access 24/7
We also offer you the flexibility of managing your
retirement income online via MemberAccess on the
BUSSQ website bussq.com.au. MemberAccess is
a secure online facility that gives you access to your
account anytime.You can view up to date account
information, manage your investment options and
beneficiaries, as well as update your personal details.
If you have a BUSSQ Retirement Pension, you can
even make lump sum withdrawals online.You can
register for MemberAccess on joining and obtain
a username, so simply log in on the right hand side
of the BUSSQ homepage and follow the prompts. If
you have forgotten your password, please call us on
1800 PENSION (1800 736 746) and we will be happy to
provide you with another or help you with your query.
A wealth of resources
We’re here to help provide you with the resources
you need to understand and manage your retirement
income.You will receive regular statements,
newsletters, access to our Annual Report and a wealth
of other useful information via bussq.com.au.We also
hold special Pension member events each year.
WHAT IS A PENSION?
The first thing to understand is that the Pensions we talk
about in this PDS are offered exclusively to members of
a super fund.They are not the same as the Centrelink
Age Pension you may be able to access through the
Government.To find out more about the Government’s
Age Pension you need to contact Centrelink at
humanservices.gov.au or call 13 23 00.
WHAT ARE THE BENEFITS?
A Pension offered through your super fund can provide
you with many benefits including:
Receive a regular income paid directly into your bank
account
Take advantage of tax free investment earnings and
other tax benefits (if eligible)
Receive tax free Pension payments if you are aged 60
or over
Make lump sum withdrawals on top of your regular
Pension payments*, and/or
Reduce the risk of mismanaging your money when
you don’t have a regular income stream.
*Limitations apply if you are taking up a Transition to Retirement Pension
option. See page 6 for more information.
TWO TYPES OF BUSSQ
PENSIONS
Whether you are already retired or winding down to
retirement, BUSSQ has a Pension product to suit you.
TRANSITIONTO RETIREMENT
PENSION
OR
RETIREMENT
PENSION
A BUSSQ Pension lets you access your super as a flexible
income stream while you are still working.There are
certain eligibility requirements you will need to meet
(see page 10 for more information).
Basically, the type of Pension you can take up is based
on your age and working status (whether you are working
or retired).
The table in the next column may help you determine
which of BUSSQ’s two Pension products suits you.

HOW DO THEY WORK?
When you open your BUSSQ Pension account you decide,
within set limits, how much you want to receive and the
frequency of those payments.
Once your Pension account is opened, your account
balance will continue to move up and down with
investment earnings. It may decrease once you start to
receive your regular Pension payments as well as with
any lump sum withdrawals you make, along with any
negative investment earnings.
Pension payments and any lump sum withdrawals you
make are deposited directly into your nominated bank,
building society or credit union account.Your regular
Pension payments will continue to be paid to you until the
money in your account runs out.
If you die, payments can continue to be paid to your
nominated reversionary beneficiary. Alternatively, the
balance of your Pension account (including any earnings),
less fees and any applicable taxes, can be paid to one
or more of your dependants and/or your legal personal
representative (see page 28 for more information).
THINGS TO BE AWARE OF
BUSSQ cannot guarantee that your payments will last for
the rest of your life. Irrespective of the investment option
or mix of options you choose, your account balance will
decline if the return on your investments is less than the
Pension payments you draw from your Pension account
each year. Of course, once your BUSSQ Pension reduces
to a zero balance, your Pension payments will also cease.
In addition:
There is no guarantee that the investment option(s)
you choose will always achieve positive returns.
You will have restricted access to your capital if you
select the Transition to Retirement Pension option.
This is the case until you satisfy a condition of release
(such as permanently retiring or turning 65).
Insurance is not available through a BUSSQ Pension
so an alternative source of insurance cover may be
required.
COMPARING BUSSQ WITH
OTHER FUNDS
It’s a good idea to compare BUSSQ’s Pension products
with other funds and see what best suits your needs.
BUSSQ prides itself on putting members first by offering:
Competitive fees
Strong long term returns
Access to financial advice that’s easy to
understand and act on
A broad range of investment
options
Online access to your
account 24/7.
CAN I MAKE CONTRIBUTIONS TO
MY PENSION ACCOUNT ONCE I
START RECEIVING PAYMENTS?
Due to Government legislation, you cannot make
extra deposits, transfers or rollovers into your
BUSSQ Pension account once you start receiving
Pension payments.
However, you may open a second BUSSQ Pension
account if you have at least $25,000 to invest.
You can also combine accounts, see ‘GettingYour
Money Together’ on page 12 for more information.
ABOUT BUSSQ’s
PENSIONS
FINANCIAL ADVICE
FOR MEMBERS
We’re only a phone call away. Just call 1800 PENSION (1800 736 746).
For more information, see page 47.

5
OUR
PENSIONS
1
2 RETIREMENT
PENSION
If you are over your
preservation age and have
met a condition of release
(see page 10), your BUSSQ
Retirement Pension can
provide you with a regular,
flexible and tax effective
income stream in retirement.
TRANSITION TO
RETIREMENT
PENSION
A BUSSQ Transition to Retirement
Pension can help you to boost your
super whilst reducing your taxable
income if you are aged between
your preservation age and 65.
See the table on page 10 for your
preservation age.
EION WOLTER,BUSSQ MEMBERBOB CAINES,BUSSQ MEMBER

TRANSITION TO
RETIREMENT PENSION STRATEGIES
IS THERE A LIMIT ON HOW
MUCH I CAN CONTRIBUTE TO
MY SUPER?
You should keep in mind there is a cap on how much
money you can contribute to your super account.
Contributions made by an employer (including
Superannuation Guarantee (SG) payments and
those made under a salary sacrifice agreement) and
personal contributions claimed as a tax deduction by
a self employed person, are known as ‘concessional’
contributions and are capped at $35,000 per year for
people 49 or over.
If you have more than one super account, all concessional
contributions made to each super account are added
together and count towards the cap.
Member voluntary contributions (known as non-
concessional contributions) are capped at $180,000
per year, or up to $540,000 using the “bring forward”
provisions for those under age 65 (for more information
go to bussq.com.au and use the search function).
Exceeding these caps may attract tax penalties and fees.
Non-concessional contributions made after age 65 and
up until age 75 continue to be subject to a‘work test’.The
work test states you need to have worked at least 40 hours
during a consecutive 30 day period each financial year
before the contributions are made.
Government law states that once you reach age 75 you
are unable to contribute to your super. However you can
still receive employer paid Superannuation Guarantee
(SG) contributions.
Ease into retirement
By using the funds in your Transition to Retirement
Pension account to top up your income, you also have
the flexibility to reduce your working hours, without
reducing your take home pay.
Additional income stream
By using a Transition to Retirement Pension you can
access your Pension funds as an additional income
stream to supplement your current income, once you
have reached your preservation age.
WHAT IS A
TRANSITION
TO RETIREMENT
PENSION?
A BUSSQ Transition to Retirement Pension (TTR) provides
you with a flexible, tax effective income whilst you are still
working.
Using a Transition to Retirement Pension allows you to
receive regular payments drawn from your super, whilst
you are still working.This money is tax free for people
aged 60 and over.
Transition to Retirement Pensions can be most effective
when combined with a salary sacrifice plan.
Salary sacrificing some of your before tax pay into your
super can reduce your taxable income and, if used with
a Transition to Retirement Pension, may allow you to
maintain your current living standard while growing your
retirement benefit.
WHO CAN OPEN A
BUSSQ TRANSITION TO
RETIREMENT PENSION?
This option is available to anyone who has reached their
preservation age and who hasn’t already retired.You can
find your preservation age in the table on page 10.
WHAT ARE THE BENEFITS?
Reduce the tax you pay
By changing the way you receive income, you may be
able to take advantage of reduced tax rates.
It’s especially worth looking into a Transition
to Retirement Pension if you are 60 or over, as
the payments you receive from your Transition
to Retirement Pension account will be tax free,
potentially saving you thousands in tax every year.
For those who have not yet reached 60, funds drawn
from a Transition to Retirement Pension account are
taxed at the standard rates (and are then eligible for a
15% tax rebate).
Increase your retirement savings
By requesting your employer salary sacrifice some of
your before tax pay into your super account, you can
also make sure you’re replacing the funds taken from
your Transition to Retirement Pension account back
into your super account, so your overall balance is not
affected.
YOUWOULD CHOOSE THIS PENSION IFYOU HAVENOTYET RETIRED ANDYOU HAVE $25,000 ORMORE TO INVEST.IFYOU HAVE RETIRED OR AREOVER 65,PLEASE GO TO PAGE 8.

7
Name: Bob
Occupation: Carpenter
Age: 60
Income: $60,000 p.a
Current BUSSQ Super Balance: $102,500
Bob’s take home pay (after tax): $47,853 p.a*
- and he uses all of this to live on.
*Based on 2014/15 tax rates.
WITH ATTR PENSION
MEET BOB
WITHOUT
ATTR PENSION
*Based on 2014/15 tax ratesBOB SAVES $3,281 INTAX!
Bob’s Income: $60,000 p.a.
Amount Bob salary sacrifices into his BUSSQ super account: $15,625 p.a.
Less 15% contributions tax: -$2,344 p.a.
Bob’s Taxable Salary: $44,375 p.a.
Income Tax: -$6,522
Income Bob receives from his employer: $37,853
Income Bob receives from his BUSSQ TTR Pension: $10,000
Bob’s take home pay: $47,853 p.a.
Bob’s Income: $60,000 p.a.
Bob’s Taxable Salary: $60,000
Income Tax: -$12,147*
Bob’s take home pay: $47,853 p.a.
1 BOB SAVES $3,281 INTAX AND USESTHISTO BOOST HIS SUPER
2 BOB EARNS MORE BY HAVING HIS MONEY INVESTED IN ATTR
PENSION (ATAX FREE ENVIRONMENT).
Bob will also earn approximately 1% higher investment returns on average than
his super account earns for the same investment option.
3 BOB KEEPS HIS SAMETAKE HOME PAY
THINGSTOTHINK ABOUT BEFORE STARTING A
TRANSITIONTO RETIREMENT PENSION
„„ Check whether you have reached your preservation age (see page 10).
„„ Work out how much of your super you want to transfer to a Transition to Retirement
Pension.You need to leave a small balance, ($2,500) in your super account to keep
the account open to allow for future contributions.
„„ If you receive Centrelink benefits, this strategy may affect your Centrelink payments.
So talk to us first to see if this applies to your situation.
Remember, this strategy is not set in concrete. If your situation changes, you can change your
pension and, if applicable, your super contributions too. It is important to be flexible!
HOW A TRANSITION TO RETIREMENT
PENSION WORKS FOR BOB
The information contained in this example is for illustrative purposes only and does not necessarily reflect your needs
or situation.To explore how the benefits of a BUSSQ Transition to Retirement Pension can work for you, call us on
1800 PENSION (1800 736 746) and ask to speak to a Financial Planner.
BENEFITS OF ATRANSITIONTO RETIREMENT PENSION

“IT’S NICE TO KNOW THAT
RETIREMENT PLANNING DOESN’T
COST A FORTUNE WITH BUSSQ.”
MICHELE EDITHVISCO
RETIREMENT
PENSION
WHAT IS A RETIREMENT
PENSION?
A BUSSQ Retirement Pension provides a tax effective
and flexible regular income during retirement.
You can adjust the income you receive from your BUSSQ
Pension to suit your circumstances as well as supplement
any Centrelink Age Pension you may be eligible for.
BUSSQ Retirement Pension members can draw payments
annually, half yearly, quarterly, monthly or as frequently
as twice a month, as well as take lump sum payments
when needed.Tax benefits may also apply.
WHO CAN TAKE UP THIS
OPTION?
You would choose a BUSSQ Retirement Pension if you
have $25,000 or more to invest and you are:
Over preservation age (see table on page 10) and
fully retired, or
Over 65 years and still working.
PENSION CHOICE PRODUCT DISCLOSURE STATEMENT8
WHAT IS THE DIFFERENCE BETWEEN A TRANSITION TO
RETIREMENT PENSION AND A RETIREMENT PENSION?
TRANSITION TO RETIREMENT PENSION RETIREMENT PENSION
The Transition to Retirement Pension is aimed at people who
are still working and are between their preservation age and
age 65.
A Retirement Pension is for people over their
preservation age who are retired or over 65 and
working.
Maximum limits apply.The total amount drawn from your
Pension account in one financial year must not exceed 10%
of your account balance.This limit is set by the Government.
The limit is no longer applicable once you meet a condition
of release (e.g. retired).
No maximum limits apply.You can access as
much as you like without any restrictions.
Generally,you are not able to make lump sum withdrawals
from these accounts.Exceptions can be made if:
You have money classified as‘unrestricted non-preserved’.
You have met a condition of release,such as permanently
retiring from work or reaching age 65.
You are able to make lump sum withdrawals.
However, it’s important to note that this will reduce
the funds in your Pension account more rapidly
and leave you with reduced opportunities to
benefit from compounding interest.

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4 EASY STEPS TO START
YOUR BUSSQ PENSION
STEP
1
STEP
2
STEP
3
STEP
4
Get your money together..................12
Do your homework..............................10
Make some decisions.........................13
Complete the forms............................30

MAKE SUREYOU HAVE THE
MINIMUM AMOUNT TO
INVEST
To start your BUSSQ Pension, you will need $25,000 or
more in your super account(s) to invest.
You don’t have to have an existing account with BUSSQ
to start a BUSSQ Pension and the money can come from
more than one place.
You can transfer money from:
An existing super account regardless of whether or
not you are a member of BUSSQ
An approved deposit fund
A retirement savings account
A rollover from an existing Pension with another
financial institution
Sale of investments i.e. property or shares.
Please note: You must first deposit these funds into your
super account before transferring into a BUSSQ Pension
account.
CHOOSE A PENSION
If you are:
Currently working, but not yet retired,you can take up
a BUSSQ Transition to Retirement Pension.This Pension
only applies if you are aged between your preservation
age and 64.
Still working and 65 years of age or over you can
continue to work and take up a BUSSQ Retirement
Pension.
Permanently retired and aged between your
preservation age and 64, you can take up a BUSSQ
Retirement Pension.
Permanently retired and 65 years or over, you can
take up a BUSSQ Retirement Pension.
PICK A PENSION
Age Preservation age - 64 65+
WORKING
Transition to
Retirement
Retirement
Pension
RETIRED
Retirement
Pension
Retirement
Pension
DOYOUR
HOMEWORK
MAKE SUREYOU ARE
ELIGIBLE
In order to access your super to set up a BUSSQ Pension
you must have reached the minimum age required by law,
which depends on when you were born.This is referred
to as your preservation age which can be anywhere
between ages 55 and 60.This table shows the minimum
age that will apply to you.
PRESERVATION AGE (
IFYOUWERE BORN
YOU CAN ACCESS
YOUR SUPER AT AGE
Before 1 July 1960 55
1 July 1960 to 30 June 1961 56
1 July 1961 to 30 June 1962 57
1 July 1962 to 30 June 1963 58
1 July 1963 to 30 June 1964 59
1 July 1964 or after 60
However, you may get access if you are 18 years of age
or older and you have:
Legal access to your super for any other reason, such
as Total and Permanent Disablement (TPD), and/or
$25,000 of super that is classified as ‘unrestricted
non-preserved’ which you may have received as part
of a death benefit from a deceased BUSSQ member
(conditions apply).
Temporary residents
If you are a temporary resident, you can only start a
BUSSQ Pension if your superannuation payment is as a
result of illness.
Should BUSSQ be advised by the Australian Taxation
Office (ATO) that you are a temporary resident once the
Pension has commenced, we will be required to commute
the Pension and pay it to the ATO.
STEP
1
BUSSQ CAN HELPYOU
CHOOSE THE RIGHT PENSION.
CALL US OR VISIT BUSSQ.COM.AU
TO FIND OUT MORE.

11
CENTRELINK AGE PENSION AGE
DATE OF BIRTH
QUALIFICATION
AGE
FEMALE MALE
Up to 31 December 1948 Already qualified
1 January 1949 to 30 June 1952 65.0 65.0
1 July 1952 to 31 December 1953 65.5 65.5
1 January 1954 to 30 June 1955 66.0 66.0
1 July 1955 to 31 December 1956 66.5 66.5
1 January 1957 or later 67.0 67.0
CONSIDER CENTRELINK AGE
PENSION IMPLICATIONS
Before starting a BUSSQ Pension you should take into
consideration whether or not opening a BUSSQ Pension
account will impact any Government social security
payments you may be entitled to.
Centrelink Age Pension age
To qualify for the Centrelink/Department of
Veterans’ Affairs (DVA) Age Pension, you must be
aged 65 or over.
Refer to the table below to see at what age you’re
qualified to receive the Age Pension.
Social Security
Centrelink/Department ofVeterans’Affairs administers
the payments and services for people who are retired
or planning retirement and may not have the funds to be
totally self-sufficient.
They assist with:
Centrelink Age Pension
Advance payments
Allowance rolled into pension payment
Commonwealth Seniors Health Card
Seniors Concession Allowance
Pension Loans Scheme
Income assessment for residential aged care fees
Asset assessments for entry to residential aged care
Grandparents and carers who raise and care for
children/grandchildren.
The Centrelink Age Pension is a safety net for older
people who are not able to fully provide for themselves in
retirement. It is paid to eligible people who have reached
Age Pension age.
Automatic Centrelink
submission service
If you receive a social security benefit, such as the Age
Pension, Centrelink needs to find out information about
your BUSSQ Pension twice a year.This information
helps Centrelink calculate your social security benefit.
Centrelink needs to know how much income you have
received from your BUSSQ Pension, as well as your
current BUSSQ Pension account balance and commutation
details. For some members this can be a difficult task,
so we have teamed up with Centrelink to automate the
process and make it as easy for you as possible.
In February and August each year, BUSSQ
electronically advises Centrelink of the relevant data
for all Pension members, which saves you time and
effort.
How to find out more
We recommend you seek financial advice with regard
to your BUSSQ Pension and how it may affect your
Government social security eligibility.
As a member of BUSSQ you have access to financial
advice about your super. For more information see inside
back cover.
To find out more about how you can access Centrelink
benefits, contact us to speak with our Financial Planners
on 1800 PENSION (1800 736 746) or visit the Centrelink
website at humanservices.gov.au or phone Centrelink
on 13 23 00.
Alternatively, if you are a Department of Veterans’ Affairs
recipient you may visit dva.gov.au or call 133 254.
YOU CAN START A BUSSQPENSION WITH AS LITTLEAS $25,000.

12
It is important to remember that, by law, you cannot make
further deposits, transfers or rollovers into your BUSSQ
Pension account once it commences.
You should deposit all funds you have, including funds
from other super and Pension accounts, into your
BUSSQ super account before you request the transfer of
funds into your new BUSSQ Pension account.
However, if you have a further $25,000 or more in super to
invest, you can open a new BUSSQ Pension account and
combine these accounts into one.
Before taking any money out of your other super accounts
or financial institutions to start your Pension, you should
check if there are any withdrawal fees, penalties and
changes to social security assessment.
You may also need to consider what insurance cover
you have and your needs as insurance is not offered
through a BUSSQ Pension.
Transferring all funds from your BUSSQ super account
to your BUSSQ Pension account will also cancel any
insurance cover you may have.
You do have the option of leaving a small amount of
money in your BUSSQ super account so you can continue
your insurance cover.
For more information on this, call us.
LOST SUPER
As you prepare to set up your BUSSQ Pension, it can be
a good time to check for any lost super you may have
accumulated over the years.
BUSSQ can help you search for your lost super; simply
TEXT your name and date of birth to 0429 558 006 or
email these to findmysuper@bussq.com.au.We will
then do a search for you (it may take three to four weeks
to receive a response).
Alternatively, you can contact the Australian Taxation
office on 13 10 20 or visit ato.gov.au and search for
“lost super”.
GETYOUR
MONEY TOGETHERSTEP
2
TRANSFER CHECKLIST
Remember: you need to complete all of these
steps before opening your Pension account, as
you can’t transfer money into your account once
it’s open.
Tick the applicable box when you have arranged
the transfer of:
All of your other super accounts into a single
BUSSQ account
An existing Pension account with another
financial institution
Any lost super located through the ATO
Money from other investments that have
been contributed to super e.g. sale of a
property or shares that you want to invest in
your BUSSQ Pension.
If you need advice on getting your money
together, you should speak to a Financial
Planner.BUSSQ can provide you with financial
advice about your super.
PENSION CHOICE PRODUCT DISCLOSURE STATEMENT
WHAT OTHER THINGS DO I
NEED TO CONSIDER WHEN
OPENING A BUSSQ PENSION
ACCOUNT?
Working out how much money you’ll need in your BUSSQ
Pension account, or how to get your money together
in preparation for opening a Pension account can be a
tricky process.
There are numerous factors to consider and everyone’s
situation will be different.
However, BUSSQ can provide you friendly and easy to
understand advice about your Pension choices.
Simply call us on 1800 PENSION (1800 736 746) and ask
to speak to a Financial Planner.

13
EXAMPLE
If you were 60 years of age on 1 July and you
opened your BUSSQ Pension account with
$300,000, your minimum withdrawal amount is 4%
or $12,000 for a full financial year.
This is then divided by the number of payments
you wish to receive per year. So, if you want
monthly Pension payments you need to divide
$12,000 by 12 which is $1,000. Of course,
you can choose to take more than the minimum
amount of $1,000 a month, but you cannot
take less than the annual minimum amount of
$12,000.
Based on the above,and on an account balance of
$300,000,the following table shows the minimum
amount per year for the different age brackets.
MINIMUM AMOUNTS
AGE
PERCENTAGE
OF ACCOUNT
BALANCE
MINIMUM
AMOUNT
PERYEAR
55 – 64 4% $12,000
65 – 75 5% $15,000
75 – 79 6% $18,000
80 – 84 7% $21,000
85 – 89 9% $27,000
90 – 94 11% $33,000
95 and over 14% $42,000
DECIDE:
How much money you want to receive
How regularly you’d like to receive your payments
How you want your Pension invested
Who will be your beneficiaries.
DECIDE HOW MUCHYOU
WANT TO RECEIVE
There are a number of things you need to consider when
working out how much you want to receive as regular
Pension payments.These include:
How long you want your Pension to last
How much you need to live on and your expenses
Any other income you are receiving
How the payments may impact on any Government
Age Pension entitlements.
Minimum limits
The Federal Government has set annual minimum
withdrawal limits, which is the minimum amount you must
withdraw in any one financial year from your Pension
account, based on your age (see minimum amounts
table).
The account balance used to calculate your minimum
amount in the first year is the balance at the start
date of your Pension (see work sheet on page 15). For
subsequent years it will be your account balance
at 1 July each year.
BUSSQ will automatically calculate minimum levels for
you when your Pension starts, and annually thereafter.
You also have the flexibility to decide at any time how
much, over and above this minimum limit, you may
wish to receive in Pension payments for the next year.
There is no maximum limit if you have a BUSSQ
Retirement Pension and it can be cashed in at any time.
WORK OUTYOUR MINIMUM
AMOUNT
To work out your minimum amount, multiply the opening
balance of your Pension account by the percentage
relevant to your age.
MAKE SOME
DECISIONSSTEP
3
You don’t need to make these decisions alone.BUSSQ offers you financial advice to
assist you in making the right decisions for your Pension.For more information call
1800 PENSION (1800 736 746) and ask to speak with a Financial Planner.

Maximum limits
Only apply if you have opened a BUSSQ Transition to
Retirement Pension.
The maximum limit is 10% of your account balance at 1
July in any one financial year and will remain so until you
meet a condition of release, such as permanently retiring
or reaching age 65.
Maximum is not pro-rated regardless of when your
Pension starts.
STARTINGYOUR PENSION
After 1 July
If you start your BUSSQ Pension after 1 July, the
minimum amount is pro-rated.This means, if you open
your Pension account on 1 January, there are only six
months or 181 days (in a non-leap year) left in that
financial year so based on the outcome in the example
on page 13, you would only have to take $5,950 for the
remainder of the year or $992 per month.
Your minimum BUSSQ Pension amount for the
remaining six months is calculated as follows:
$12,000 x 181 days remaining/365 days = $5,950.68
When rounded to the nearest $10
= $5,950 per financial year, or
= $992 per month for the remaining six months.
In June
If you start your BUSSQ Pension in June, no minimum
limit applies for that month (in the first financial year
you open your BUSSQ Pension account).
If you choose the minimum amount for your payments,
we will automatically adjust your Pension payments
on 1 July each year to the minimum limit and you won’t
have to do anything more.
If you choose a specified amount, you will receive this
amount each year unless you advise us otherwise,
provided it remains above the minimum limit.
We will automatically adjust your payments to meet the
minimum limit if the amount you have requested falls
below the minimum annual limit.
PLEASE NOTE
Annual payments will always be rounded to the
nearest $10.
PLEASE NOTE
BUSSQ will notify you soon after the beginning
of each financial year, what your new minimum
Pension payment will be for the new financial
year.
MINIMUM AMOUNTS
AGE
PERCENTAGE OF
ACCOUNT BALANCE
55 – 64 4%
65 – 74 5%
75 – 79 6%
80 – 84 7%
85 – 89 9%
90 – 94 11%
95 and over 14%
EXAMPLE
Let’s say you are 56 years of age and you started
your Transition to Retirement Pension with a
balance of $180,000, your minimum and maximum
amounts will be calculated as:
Minimum amount: $180,000 x 4% = $7,200
Maximum amount: $180,000 x 10% = $18,000
This means your total withdrawal amount will
need to be between $7,200 and $18,000 for a full
financial year.
Where a Pension is commenced part way through
the year, payments will be pro-rated.

15
EVERYYEARYOU HAVE THEFLEXIBILITY TO DECIDETHE AMOUNTYOU WILLBE PAID THROUGHYOURPENSION PAYMENTS.
STARTING PAYMENTS
You can start to receive your Pension payments soon after
your BUSSQ Pension has been set up.
Payments will be deposited into your nominated bank,
building society or credit union account no later than
the 15th/28th of the month. Payments will continue to be
made for as long as there is money in your account.
PENSION CALCULATOR
A calculator is available at bussq.com.au.The calculator
helps you to determine how long your balance may last
when you move into a BUSSQ Pension. It uses various
assumptions about investments and inflation so that you
can determine the appropriate amount to invest.
PLEASE NOTE
How long your BUSSQ Pension lasts will depend on:
How much you initially invested
How often you receive your Pension payments
How much you nominate to be paid per payment
How often you make lump sum withdrawals
Fees
Investment earnings
WORK SHEET
Work out your own minimum Pension amount
Your account balance on 1 July
$ (A)
The minimum limit percentage based on
your age (See table on page 14)
% (B)
Multiply (A) by (B) and round
to nearest $10
$ (C)
The answer (C) is the minimum amount that
you can withdraw from your
Pension in a full financial year.
To find out what your:
Minimum quarterly payments will be:
Divide (C) by 4
$
Minimum monthly payment will be:
Divide (C) by 12
$
Minimum twice monthly payment will be:
Divide (C) by 24
$
DECIDE THE FREQUENCY
OFYOUR PAYMENTS
You can choose how frequently you want your BUSSQ
Pension payments deposited into your bank account,
building society or credit union account.You can choose
to receive your payments twice monthly, monthly,
quarterly, half yearly or yearly.You must receive at least
one payment per year.
The frequency of your Pension payments will probably
depend on what you are used to. For example, if you have
been receiving your salary monthly for most of your
working life, then it is likely you will want to receive your
Pension payments monthly as well.
PLEASE NOTE
You have the flexibility to change the frequency
of your Pension payments at any time.Simply
contact us on 1800 PENSION (1800 736 746).
You can also do this online by logging into
MemberAccess at bussq.com.au.

16
LUMP SUM WITHDRAWALS
At some point in time you may need to access a lump
sum of money in addition to your regular BUSSQ Pension
payments.You may want to use it to go on an overseas
holiday, upgrade your car, paint your house or pay for
unexpected medical expenses.
No matter what the need, you can make lump sum
withdrawals from your BUSSQ Retirement Pension at any
time.
The minimum lump sum withdrawal you can make is
$1,000 and after the withdrawal is made you must have, at
least, $5,000 remaining in your account to keep it open.
Alternatively, you can close your Pension account and
withdraw the full balance. A fee of $30 applies to every
partial lump sum withdrawal you make. A fee of $100
applies if you close your Pension account.
“PENSION PLANNING MEANS A
SMOOTHER RETIREMENT.”
BARBARA RODGER TAYLOR
If you want to make a lump sum withdrawal, you can do so
by completing and returning a Lump sum withdrawal form
which can be obtained by contacting BUSSQ or download
it from our website bussq.com.au.
You can also transfer up to $10,000 to your bank account
online via MemberAccess.
Your lump sum withdrawal request will be electronically
transferred to your nominated bank, building society
or credit union account within seven to 10 days of your
request being received by BUSSQ.
Restrictions apply for Transition to Retirement Pensions
(see pages 6 to 7 for details).
PENSION CHOICE PRODUCT DISCLOSURE STATEMENT

17
BLENDED GROWTH
STRATEGY
DEFAULT OPTION
You can choose where you want your BUSSQ Pension
invested. BUSSQ offers a range of 11 different
investment options across both pre-mixed and single
asset classes (see page 19-25 for details).
If you don’t want to make a choice you can look at
BUSSQ’s default Pension investment option – Blended
Growth Strategy.
This option has been developed by BUSSQ’s
experienced team of Financial Planners.
You don’t have to make an investment decision when
you start a BUSSQ Pension.The Blended Growth
Strategy is a mix between the Cash and Balanced
Growth investment options.This mix will be 15% in the
Cash option and 85% in the Balanced Growth option,
and your Pension payments will come from the Cash
option to begin with.You will be investing for the
purpose rather than the investment return, using short
term money (Cash) for Pension payments and leaving
the Balanced Growth option, which is a longer term
investment, time to grow in the market before drawing
from this option.
We’ve provided this custom built strategy to give you
comfort in the draw down stage of your investment.
We want you to sleep better at night without having to
worry about the next investment market collapse.
Of course this doesn’t mean you are locked into this
strategy forever; you have the flexibility to choose your
own investment option or mix of options at a later time
if you wish.
Note that we cannot make any investment changes
without your permission first. Because the Pension
payments come out of the Cash option, this will
eventually deplete.The timing of this will depend on
how much you are drawing and the investment returns
in that option. If you take no further action once the
Cash option is depleted, future Pension payments will
come from the Balanced Growth option.
You should review your statements or login to your
account via MemberAccess at bussq.com.au from
time to time to check how much is left in the Cash
option, and do an investment switch to bring the
mix back to the original ratio if you wish to.
INVESTMENTS –
IT’SYOURCHOICE
Once there are no funds
left in the Cash option
to make your regular
Pension payments from,
they will then come from
your investments in the
Balanced Growth option.
When you initially invest
in the Blended Growth
Strategy, 85% of your
funds are invested in the
Balanced Growth option
and 15% are invested in
the Cash option.
The amount in Cash is to
meet your Pension income
needs over the short term
(generally 2-3 years).
Pension payments are
initially drawn from funds
invested in the Cash option.
HOW IT WORKS
The illustration below provides an example of how
the BUSSQ Blended Growth Strategy is designed to
work over time.
85%
Balanced
Growth
15% Cash
92%
Balanced
Growth
8% Cash
100%
Balanced
Growth
If you would like to speak to a BUSSQ Financial
Planner about the best investment option/s
for your personal situation, please call us on
1800 PENSION (1800 736 746).

WHY MAKE A CHOICE?
The decision to choose an investment option or mix of
options means that your Pension is invested in a way
that best suits your financial circumstances. Aspects
such as your age, your tolerance to risk and your future
expectations all impact your investment decisions.
The investment section in this PDS provides general
information about the investment options available for
BUSSQ Pensions.
When making your choice we recommend you seek
financial advice from a licensed Financial Planner.
TAKE CONTROL
Managing your super is just like managing any other type
of investment you may have.
It is about finding the balance between security and the
performance that you feel comfortable with, and then
putting an investment plan into action that will help you
achieve your future financial goals.
BEFOREYOU START TO
INVEST
If you are not confident about investing, you are
encouraged to read the following pages before making
your investment choice decision or get some financial
advice. BUSSQ offers members advice about their super;
see inside back cover for more information.
It is important that you take the time to understand the
basics, as it will help you to determine your risk tolerance
and your investment return expectations. It will also put
you in a better position to select the investment option or
mix of investment options that are best suited to you.
DECIDE WHICH INVESTMENT
OPTIONYOU WANTYOUR
PENSION PAYMENTS AND
FEES DEDUCTED FROM
BUSSQ gives you the flexibility to choose where your
Pension payments and management fees are
deducted from.
You can indicate your choice on the Pension Application
form.
If you don’t choose an investment option for the
deduction of your Pension payments and fees, these will
be deducted proportionally across all of the investment
options you have selected.
LET US HELP!
BUSSQ is happy to offer professional, easy to understand
advice to both members and non-members. Call
1800 PENSION (1800 736 746) and ask to speak with a
Financial Planner.
DERIVATIVES
The Trustee and BUSSQ’s investment managers have the
discretion to invest in derivative financial instruments
from time to time.This is generally done to either hedge
away a particular risk or to immediately rebalance the
investment portfolio in a quick and efficient manner.
SPEAK TO AN EXPERT
BEFOREYOU INVEST
You don’t have to make investment decisions on your own.
For expert advice call 1800 PENSION (1800 736 746)
and ask to speak to a BUSSQ Financial Planner.

19
IT’SYOUR MONEY,SO TAKE
CONTROL OF HOW IT’S INVESTED.
GROWTH ASSETS DEFENSIVE ASSETS
Growth assets are more risky – but can deliver
higher returns over the long-term.
Growth assets include:
Shares – Companies listed on a stock exchange
issue shares (also known as equities or stocks) to
raise capital.You become a shareholder and part
owner when you purchase shares in the company
and that means you are entitled to any company
profits (which are distributed as dividends).
Company performance, industry conditions or
movement in the share market can impact share
prices.
Property – Includes land and buildings that can
be bought, sold or leased. Investing in property
through a super fund lets you and other members
pool money to enable you to part own properties
that would otherwise be too expensive for you to
acquire on your own. For example, office buildings
and shopping centres. Like shares, property is
influenced by many factors including supply and
demand and market conditions.
Defensive assets are less risky – therefore they can
be used to protect your investment against loss.
However, they generally deliver lower returns.
Defensive assets include:
Fixed interest – When an investor lends money
to governments, semi-government bodies and
corporations, interest is paid at an agreed rate,
which is fixed for the term of the loan.These
investments are also known as bonds. Fixed
interest investments can be held until they mature
or traded at any time before maturity. If they are
sold before maturity, the price will depend on the
interest rate at the time. Returns from fixed interest
investments occur from regular interest payments
and any change in value caused by movements,
either up or down, in interest rates. Fixed interest
is usually a more stable investment than shares,
but can be affected by currency movements and
interest rate.
Cash – Investments in cash includes money
invested in term deposits or bank bills and interest
is earned on the cash invested.This is similar to
having money in a bank account. Over the long
term, cash is likely to produce the lowest return of
all the main asset classes.
OVERSEAS INVESTMENTS
Investments in shares and fixed interest can be made in Australia or overseas. In fact, the Australian share market
accounts for about 2% of the world share markets.When investing overseas, returns can also be affected by
changes in the value of the Australian dollar.These changes can enhance overseas returns (when the Australian
dollar is falling) or detract from overseas returns (when the Australian dollar is rising).
Fixed interest (or bonds)
Cash
INVESTMENT BASICS
BUSSQ invests your savings across four main types of investments or asset classes:
Shares (Australian and overseas)
Property (Australian)
These asset classes are grouped into two types – GROWTH assets and DEFENSIVE assets.

SWITCHING OPTIONS
BUSSQ gives you the flexibility to switch your investment
option or mix of options at no extra cost.
All switch requests received in the period 6.01 pm Friday
to 6 pm the next Friday (EST/EDT*), will be processed
with an effective date as at the next Wednesday following
the declaration of the weekly unit price. Unit prices are
declared weekly.
* EST = Eastern Standard Time
EDT = Eastern Daylight Time
How do I notify BUSSQ about my
switch?
There are two ways to change your investment selection.
Online – simply log into MemberAccess at
bussq.com.au and follow the prompts.
Use a Member Investment Choice Form –
You can obtain this form by downloading it from
bussq.com.au or by calling 1800 PENSION (1800 736
746) and request one to be sent to you.
Once you have completed your Member Investment
Choice form you can mail it to:
BUSSQ GPO Box 2775, Brisbane QLD 4001
ENVIRONMENTAL,SOCIAL
AND GOVERNANCE
CONSIDERATIONS
Currently BUSSQ does not take environmental, social or
governance considerations into account when selecting,
retaining or redeeming the investments of BUSSQ.
Investments and investment managers are selected
purely on their ability to contribute toward the
achievement of BUSSQ’s investment objectives.
The BUSSQ Board has put in place a long term strategic
plan to towards taking these considerations into account
when making investment decisions
UNDERSTAND
INVESTMENT RISK
Because your money is invested in financial markets, you
are exposed to investment risk.
Investment risk is the degree to which returns go up
and down in value over time.You cannot consider return
without risk and generally, the higher the potential return,
the higher the risk. In order to achieve higher returns
you must be willing to take on more risk.While shares,
property and fixed interest securities might offer higher
long term returns than cash, they also expose you to
higher levels of risk, particularly in the short term.
In financial terms, there is also a risk of not having
enough assets or money to provide you with the lifestyle
you desire in retirement.Therefore, if you try to avoid risk
altogether you may in fact not save enough to provide you
with this lifestyle for the whole of your retirement. In fact,
it may not even keep pace with inflation.
UNDERSTANDYOUR
TOLERANCE TO RISK
Your tolerance to risk is an important factor to consider
before making your investment choice. Everyone
has a different tolerance to risk and you need to be
comfortable with the level of risk that is associated with
the investment option or mix of options you choose.
The chart on the following page shows the broad long-
term relationship between risk and return and where
each of BUSSQ’s 11 investment options appear on the
risk/return scale.
DIVERSIFICATION HELPS
REDUCE RISK
Because you cannot tell how each asset class will perform
over a future period, diversifying or spreading your
investments across a range of asset classes has the
potential, over time, to smooth out any ups and downs
associated with the returns on your investment.
The risk/return profile of each of BUSSQ’s pre-mixed
options is determined by how much is allocated to
growth assets relative to defensive assets.The greater the
proportion of growth assets, the riskier the investment
becomes, but similarly, the greater the potential return
over the longer term. BUSSQ has taken a slightly more
conservative investment approach to its Pension products
compared to super.

21
THINK ABOUTYOUR
INVESTMENT TIME FRAME
Your investment time frame is the length of time you
believe you will need to receive an income.This period
becomes very important when choosing your investment
option or mix of options.
After retirement, at say age 65, the average person can
expect to live another 15-20 years.
Therefore, the longer your investment time frame, the
more time you have to ride out the ups and downs. If you
have a short time frame then stability in the value of your
investment may be more important to you.
BUSSQ’s SKILLED
INVESTMENT MANAGERS
We are constantly monitoring markets and their impact
on BUSSQ’s investment portfolio. Our share portfolios
are managed by a range of experienced and skilled
investment managers who use a disciplined investment
process to identify good quality stocks.We remain
committed to managing a well diversified portfolio that is
designed to provide members with good returns over the
long term.
The asset allocation is sometimes adjusted in line with
changes in the market and to meet the stated investment
strategy. You will be advised 30 days before any
significant change to the asset allocation is made.
INVESTINGYOUR MONEY
An Investment Committee,appointed by the BUSSQ
Trustee Board,makes recommendations to the Board
about where BUSSQ’s money should be invested.
The Investment Committee and the Board obtain
professional investment advice from its investment
consultant,Frontier Investment Consulting.
Assets are allocated within ranges set by the
BUSSQ Board after consultation with its investment
consultant.
The Board reviews these ranges on a regular
basis. Specialist investment managers are
interviewed and selected for each of the asset
classes.They are selected on a management
and performance basis and they are required to report
regularly to the Board.The investment managers are
constantly monitored by the Trustee.
Details of where the money is invested can be found in
BUSSQ’s Annual Report. Download a copy at
bussq.com.au or call us 1800 PENSION (1800 736 746) to
obtain a copy.
PLEASE NOTE:
The expected returns are for illustration purposes only
and should not be used to calculate future benefits.
The frequency of a negative return is based on
the Standard Risk Measure Guidance for trustee’s
recommended by APRA, ASFA and FSC and is explained
in the table at the bottom of the page.
RISKVS RETURN
PRE-MIXED SINGLE ASSET CLASS
DEFENSIVE
BALANCED
GROWTH
HIGH
GROWTH
CASH
DIVERSIFIED
FIXEDINTEREST
AUSTRALIANSHARES
AUSTRALIAN(SMALL
COMPANIES)SHARES
AUSTRALIAN(LARGE
COMPANIES)SHARES
ALLSHARES
INTERNATIONAL
SHARES
EMERGING
MARKETSSHARES
ExpectedAverageReturn(%p.a.aftertax)
0.0
1.0
2.0
3.0
4.0
5.0
6.0
7.0
8.0
9.0
10.0
H
H H
H
H
LM
L
H
M
L
H
MEASURING RISK
A standard risk measure for investment options has been
developed for super funds to make it easier for you to
compare investments options (both within and across
super funds).The numeric measure is based on ‘how
likely will there be negative annual returns over a 20
year period’.There are seven risk bands and they are as
follows:
Risk
Band
Risk Label
Estimated number of
negative annual returns
over any 20 year period
1 Very low Less than 0.5
2 Low 0.5 to less than 1
3 Low to medium 1 to less than 2
4 Medium 2 to less than 3
5 Medium to high 3 to less than 4
6 High 4 to less than 6
7 Very high 6 or greater

PRE-MIXED OPTIONS
DEFENSIVE BALANCED GROWTH
Overview
Designed for short to medium term
investors looking for stable returns
with minimal capital growth.The
Defensive option provides
investment mainly in fixed interest
securities, with moderate exposure
to growth assets, such as shares and
property.The frequency of a
negative return is expected to be
once in 30 years.
Overview
Designed for medium to long term
investors. Balanced Growth is the
most diversified pre-mixed option
and provides a mix of growth and
defensive assets such as shares,
property and fixed interest securities.
The frequency of a negative return is
expected to be once in eight years.
Investment objective
For the annual rate credited to
members to have a reasonable
probability of exceeding the change
in the Consumer Price Index by
+2.5% per annum.
members to exceed the change in
the Consumer Price Index by +4%
per annum.
Target asset allocation Target asset allocation
Suggested minimum
time horizon
At least three years
Suggested minimum
time horizon
At least five years
Compound average
return to 30 June 2015
Compound average
5Year 10Year 5Year 10Year
8.15% 6.96% 11.20% 8.20%
Risk factor Risk band
2
4
CHOOSEYOUR OWN
INVESTMENT MIX
26.5%
20%
12%
12%
10%
7%
8.5%
2%
2%
Fixed Interest
Cash
Infrastructure
Property
Australian Shares
International Shares
Opportunistic Debt
Agriculture
Global Private Equity
29%
17%
12%
12%
13%
7%
2%
4%
4%
Australian Shares
Infrastructure
Property
Fixed Interest
Opportunistic Debt
Agriculture
Cash
USING THE
STANDARD RISK
MEASURE
The Standard Risk Measure is based
on industry guidance to allow you to
compare investment options that are
expected to deliver a similar number
of negative annual returns over any
20 year period.
The Standard Risk Measure is not a
complete assessment of all forms
of investment risk, for instance it
does not detail of what the size of
a negative return could be or the
potential for a positive return to be
less than you may require to meet
your objectives. Further, it does
not take into account the impact of
administration fees and tax on the
likelihood of a negative return.
You should still ensure you are
comfortable with the risks and
potential losses associated with your
chosen investment option(s).
The use of the Standard Risk
Measure is endorsed and strongly
recommended by the Australian
Prudential Regulatory Authority
(APRA), Australian Securities and
Investments Commission (ASIC),
Association of Superannuation Funds
of Australia (ASFA) and the Financial
Services Council (FSC) for all
Australian super funds.

23
SINGLE ASSET CLASS OPTIONS
HIGH
GROWTH
CASH DIVERSIFIED FIXED
INTEREST
Overview
This option may suit long term
investors looking for an attractive
return and capital growth who can
tolerate a higher level of risk and
volatility. High Growth provides a
high allocation of investments to
growth assets, such as shares.The
frequency of a negative return is
expected to be once in five years.
Overview
This investment option is for
investors who are risk averse and
looking for a secure 100% cash
investment.This option may suit
members who are willing to sacrifice
overall return in favour of less risk
and a steady rate of return.The Cash
pool aims to avoid negative returns
in any year.
Overview
investors looking for a stand alone
Fixed Interest investment.This option
invests in BUSSQ’s Australian and
International Fixed Interest sectors
with weightings that replicate the
Balanced Growth option’s allocations
to these two sectors.The frequency
of a negative return is expected to
be once in 20 years.
members to exceed the change in
the Consumer Price Index by +4.5%
per annum.
in the Consumer Price Index by +1%
per annum.
For the annual rate credited to members
to have a reasonable probability of
exceeding the change in the Consumer
Price Index by +2.0% per annum.
Target asset allocation Target asset allocation Target asset allocation
Suggested minimum
time horizon
At least 10 years
Suggested minimum
time horizon
Not applicable
Suggested minimum
time horizon
At least three years
Compound average
Compound average
Compound average
5Year 10Year 5Year 10Year 5Year 10Year
12.45% 9.00% 4.12% NA^ 6.00 NA^
5
1
3
39%
26%
12%
12%
5%
2%
4%
Australian Shares
Infrastructure
Property
Opportunistic Debt
Agriculture

CHOOSEYOUR OWN
INVESTMENT MIX
AUSTRALIAN
SHARES
AUSTRALIAN (LARGER
COMPANIES) SHARES
AUSTRALIAN (SMALL
COMPANIES) SHARES
Overview
Australian Shares investment.This
option is a sector specific option and
invests 100% in BUSSQ’s Australian
Shares sector.The frequency of a
once in four years.
Overview
investors looking for a standalone
investment focused on shares in
larger Australian companies.This
option is a sector specific option and
invests 100% in Australian shares
and, in particular, larger listed
companies.The frequency of a
once in four years.
Overview
investment, focused on shares in
smaller Australian companies.This
option is a sector specific option
and invests 100% in Australian
shares and, in particular, smaller
listed companies.The frequency of
a negative return is expected to be
once in four years.
in the Consumer Price Index by +
4.5% per annum.
The investment objective is for the
annual rate of earnings credited
to members to have a reasonable
+4.5% per annum.
in the Consumer Price Index by +5%
per annum.
Suggested minimum
time horizon
At least 10 years
Suggested minimum
time horizon
At least 10 years
Suggested minimum
time horizon
At least 10 years
Compound average
Compound average
Compound average
11.71% NA^ NA^ NA^ NA^ NA^
7
7
7
Remember that investment returns cannot be guaranteed from year to year.Past performance of a particular investment sector does not
necessarily provide an accurate indicator of future performance.

25
ALL
SHARES
INTERNATIONAL
SHARES
INT.(EMERGING
MARKETS) SHARES
Overview
investors looking for a diversified
shares investment covering both
Australian and International
Shares.The option will invest 50%
in Australian shares and 50% in
Overseas Shares with no currency
hedging (unhedged).The frequency
of a negative return is expected to
be once in four years.
Overview
International Shares investment.
This option has variable currency
hedging depending on market
conditions and the assessed relative
value of the Australian dollar.The
frequency of negative return is
expected to be once in four years.
Overview
investment in international shares
in emerging market countries (ie.
Brazil, India and China).This option is
unhedged, which means that it will
be subject to fluctuations in
performance because of currency
movements.The frequency of a
once in four years.
+4.5% per annum.
probability of exceeding the
change in the Consumer Price
Index by +4.5% per annum.
For the annual rate of earnings
credited to members to have a
reasonable probability of exceeding
the change in the Consumer Price
Index by +5% per annum.
Suggested minimum
time horizon
At least 10 years
Suggested minimum
time horizon
At least 10 years
Suggested minimum
time horizon
At least 10 years
Compound average
Compound average
Compound average
NA^ NA^ 16.52% NA^ NA^ NA^
6
6
7
^ Cash,Australian Shares,International Shares and Diversified Fixed Interest investment options commenced 1 October 2006,so no 10-
year figures are shown.Australian (Larger Companies) Shares,Australian (Small Companies) Shares,All Shares,International (Emerging
Markets) Shares have only been available since March 2011 so no 5 or 10-year figures are shown.These figures are based on the latest
returns available at the time of print.Refer to bussq.com.au for previous financial year returns.
* The frequency of a negative return is based on the standard Risk Measure Guidance for trustee’s recommended by APRA,ASIC,ASFA and
FSC and is explained on page 21.

RISKS TO
CONSIDER
THE RISK
There are various types of
risk associated with investing
in a super fund and the most
important are discussed here.
All investments are subject to
varying risks and generally
all investments change in
value over time. Different asset
classes perform differently at
different times.
The significant risks that
relate to investing in BUSSQ
are:Market risk, inflation,
individual investment risk,
interest rate risk, currency risk
and derivatives risk.
The effect of these risks is
reduced by diversification,
that is, by investing in a wide
range of different types of
investments, such as those
BUSSQ invests in.
The risk profile and investment
objectives of BUSSQ’s
investment options are outlined
on pages 22 to 25.
Other risks that may have
an impact when investing in
BUSSQ include:Regulatory
risk, timing risk and taxation
risk.
Because each of BUSSQ’s
investment options have a
different investment mix, the
risks of investing in each option
are different.While each of the
risks identified can happen,
the risks marked in this table
are the ones we believe are the
most significant for each.
Inflation – The risk that inflation may exceed the return on your investment.This
means that the purchasing power of your investment will be reduced.
Market – The risk that the performance of the market as a whole will affect the
investment option’s returns.The market can be affected by economic, technological,
political or legislative conditions, world events and even market sentiment.
Individual investment – The risk that individual assets falling in value as a result
of changes in the internal procedures or management of a fund or entity in which BUSSQ
invests.
Interest rate – The risk that changes in interest rates can impact directly or indirectly
on investment returns.
Currency – The risk that changes in the value of currencies can affect the return on
overseas investments. A rise in the Australian dollar relative to the currency in which the
asset is invested may result in a fall in the capital value of your overseas asset.
Derivatives – The investment managers included in these investment options may
include derivatives as a method of managing risk or gaining exposure to other types
of investments.The risks associated with derivatives include the value of the derivative
failing to move in line with the underlying asset, potential illiquidity of the derivative,
the fund not being able to meet payment obligations as they arise and counterparty risk
where the counterparty cannot meet its obligations.
Regulatory – The risk of changes in government policy or legislation which may
affect your ability to access your benefits. For example, amendments to the treatment of
superannuation interests of members in family law matters means that your super benefit
may be split with your spouse in the event of your divorce or permanent separation.
Timing – The risk that you may try to time the market and buy low and sell high.This
will increase the volatility of your investment and increase the risk. Most people cannot
successfully time the market.
Liquidity – As super is a long term investment BUSSQ invests some of the fund in
assets such as property, infrastructure and agriculture that cannot be liquidated quickly.
BUSSQ manages this with regular reporting from our investment consultants and by
ensuring that enough cash is held to meet most short term requirements.

27
DEFENSIVE
BALANCED
GROWTH
HIGH
GROWTH
CASH
DIVERSIFIEDFIXED
INTEREST
AUSTRALIAN
SHARES
AUSTRALIAN(LARGE
COMPANIES)SHARES
AUSTRALIAN(SMALL
COMPANIES)SHARES
ALLSHARES
INTERNATIONAL
SHARES
INTER.(EMERGING
MARKETS)SHARES
INVESTING IN A WIDE RANGE OF
INVESTMENT OPTIONS MAY HELP
YOU TO REDUCE RISK.

DECIDEYOUR BENEFICIARIES
Before you start your Pension, it’s important to consider
who you would like to receive any money left in your
Pension account when you die.
If you die and have a Pension account with BUSSQ, any
remaining balance will be paid to your dependants
and/or your legal personal representative.The balance of
your account is made up of any money remaining in your
account, less outstanding fees and taxes.
WHO GETSYOUR PENSION
IFYOU DIE?
Your BUSSQ Pension gives you three options to provide
for your dependents in the event of your death prior to
funds in your BUSSQ Pension account depleting.
OPTION 1
Nominate a reversionary
beneficiary
A reversionary Pension will be paid from your
Pension account to your spouse or other named
reversionary beneficiary following your death.
A reversionary beneficiary must be a spouse
(see Definition of a spouse on page 29).
You can only nominate a reversionary beneficiary
when you commence your BUSSQ Pension. If you
want to change your nominated reversionary
beneficiary at a later date, you have to cancel the
Pension related to your nominated reversionary
beneficiary and open a new BUSSQ Pension.
If you do not nominate a reversionary beneficiary at
the commencement of your BUSSQ Pension, in the
event of your death, the remainder of your Pension
will be paid as a lump sum to one or more of your
dependants or your legal personal representative
as determined by BUSSQ.
A reversionary beneficiary can commute their
Pension and be paid a lump sum benefit. If the
reversionary beneficiary dies before their BUSSQ
Pension account runs out, the balance of the account
will be paid to the reversionary beneficiary’s
preferred beneficiaries or legal personal
representative.
CHOOSEYOUR
BENEFICIARIES
The most appropriate nomination will depend on your
personal circumstances.
If you do not make a nomination, the Trustee will,
in its absolute discretion, pay your benefit to your
dependant(s) and/or your legal personal representative
when you die.
The treatment of death benefits can be quite complex
and BUSSQ can provide easy to understand advice about
selecting nominations and planning your estate.
Call us on 1800 PENSION (1800 736 746) and ask to
speak to one of our Financial Planners (information on
types of advice and fees can be found on page 36).
REVERSIONARY
BENEFICIARY (see right)
A reversionary beneficiary is usually your
spouse which includes your wife, husband
or de-facto partner who lives permanently
with you on a genuine domestic basis.
OR
PREFERED BINDING
BENEFICIARIES (see page 29)
A preferred beneficiary is a nominated
dependent. If your nomination is binding
and valid, the Trustee of the Fund would
generally pay any death benefit to your
nominee/s.
OR
PREFERRED NON-BINDING
BENEFICIARY (see page 29)
If your nomination is non-binding, the
Trustee will use your nominee/s as a
guide but is not legally bound by your
nomination choices.

29
OPTION 3
PAYMENT OPTIONS
In most situations, the reversionary beneficiary will
receive the benefit through ongoing payments from a
Pension account. However, payments cannot be made to
your child once they reach the age of 18 unless they are:
Between 18 and 25 and studying full time, or
Permanently disabled.
Once the child is no longer eligible to receive payments,
the remainder of the balance will be paid to them as a
lump sum.
If your child is permanently disabled, they can be paid a
reversionary Pension regardless of their age (until funds
run out).
OPTION 2
IT’S IMPORTANT TO THINKAHEAD AND MAKE SUREYOURLOVED ONES ARE LOOKEDAFTER.
Nominate your preferred
binding beneficiary
You may nominate one or more of your preferred
beneficiaries or your legal personal representative
as the recipient of your BUSSQ Pension in the event
of your death.
If you make a valid binding nomination, the Trustee
of the Fund is obliged to follow your nominations
made on your Binding Death Benefit Nomination
form when it comes time to pay your death benefit.
If you make a binding nomination to someone who
is not a dependant or legal personal representative,
the trustee may not be able to abide by your wishes
at the time of death.
There are certain conditions that must be met to
make sure your binding nomination is valid, call
1800 PENSION (1800 736 746) to find out more
information.
Nominate your preferred
non-binding beneficiary
If you choose to make a non-binding nomination,
BUSSQ will use it as a guide, along with other
current and relevant information it has, to make a
decision in the event of your death.
It is at the Trustee’s discretion where your death
benefits will go.
Spouse
Two people are in an interdependent relationship if:
They have a close personal relationship, and
Live together, and
One or each of them provides the other with
financial support, and
One or each of them provides the other with
domestic support and personal care.
An interdependent relationship also exists if two
people have a close personal relationship, but the
other requirements are not satisfied because either
or both of them suffer from a physical, intellectual
or psychiatric disability.
Your legal personal representative is the executor
of your will or the administrator of your estate.
DEFINITION
Dependant
For superannuation purposes, the following
definition of ‘dependant’ applies:
Your spouse (legal or de facto)
Children
Any person financially dependent on you at the
time of your death, or
Any person who is in an interdependency
relationship with you at the time of your death.

If you wish to open a BUSSQ Pension you need to complete
and return the forms at the back of this PDS.You will also
need to provide proof of your identity as outlined in this
section.
PLEASE COMPLETE AND
RETURN:
Pension Application form (mandatory): Make
sure you tick the appropriate box to indicate which
Pension you are taking up, whether a Transition to
Retirement Pension or a Retirement Pension.This
form advises BUSSQ of the amount that you plan to
roll over to start your BUSSQ Pension. It also informs
BUSSQ about how much (if any) you want to withdraw
as a lump sum from your BUSSQ super account before
the funds are moved to your BUSSQ Pension account.
This form also includes decisions you will need to
make, as outlined in Step 3, including the annual
amount you want to receive, how regularly you want
your Pension to be paid, where you want your Pension
invested and who you want to nominate as your
beneficiary(ies).
ATO’s Tax File Number declaration
(mandatory if under age 60): This allows BUSSQ to
deduct the correct amount of tax from your Pension
payments. If you are over 60, your Pension is tax free.
Residency declaration on the application form.
Copy of bank statement of the account where
you want your Pension payments to go.This should
include name,BSB and account number.
Binding Nomination Complete the binding
Death Benefit Nomination form if required.
DON’T FORGET TO ROLLOVER
It’s a good idea to rollover your non-BUSSQ super
accounts into a single BUSSQ account before you open
your BUSSQ Pension.This helps make sure all your
money is in one place which makes it easier to plan
ahead.
There are three easy ways to rollover your other super
accounts into BUSSQ:
1. Call us on 1800 PENSION (1800 736 746) and ask to
rollover your super. Please make sure you have your
member numbers from previous super accounts on
hand before you call.
2. Do it online through MemberAccess at bussq.com.au.
3. Use the Rollover Your Super form in this document.You
may photocopy the form if you have more than one
super account you’d like to roll in.
COMPLETE
THE FORMSSTEP
4
IDENTIFICATION
REQUIREMENTS
For the security of your account, the following
identification must be provided to establish your BUSSQ
Pension.
Acceptable documents
The following documents may be used:
ONE ONLY of the following documents:
Drivers licence issued under State or Territory
law, or
Passport
A national identity card issued for the purpose of
identification.
OR
ALTERNATIVELY
One of the following documents:
Birth certificate or birth extract
Citizenship certificate issued by the
Commonwealth
Pension card issued by Centrelink that entitles you to
financial benefits.
+PLUS
Letter from Centrelink regarding a Government
assistance payment
Notice issued by Commonwealth, State or
Territory Government or local council within
the past 12 months that contains your name and
residential address.
For example:
ATO Notice of Assessment
Rates notice from local council.
EITHER

Certification of personal
documents
All copied pages of proof of identification documents
(including any linking documents) need to be certified
as true copies by any individual approved to do so.
The person who is authorised to certify documents must
sight the original and the copy and make sure both
documents are identical, then make sure all pages have
been certified as true copies by writing or stamping
‘certified true copy’ followed by their signature, printed
name, address and phone number, qualification (e.g.
Justice of the Peace, Australia Post employee, etc),
registration number (if applicable) and date.
The following people can certify copies of the
originals as true and correct copies:
A Justice of the Peace
A permanent employee of Australia Post with five or
more years of continuous service
A finance company officer with five or more years
of continuous service (with one or more finance
companies)
An officer with, or authorised representative of, a
holder of an Australian Financial Services Licence,
having five or more years continuous service with one
or more licensees
A notary public officer
A police officer
A registrar or deputy registrar of a court
A person enrolled on the roll of a State or Territory
Supreme Court or the High Court of Australia, as a
legal practitioner
An Australian consular officer or an Australian
diplomatic officer
A judge of a court
A magistrate, or
A Chief Executive Officer of a Commonwealth court.
YOU MUST PROVIDE CERTIFIED PROOFOFYOUR IDENTITY TO OPEN A BUSSQPENSION ACCOUNT.
31
PLEASE NOTE
BUSSQ can certify documents for you
Justices of the Peace and Commissioners for
Declarations (Cdecs) can witness and certify your ID
or document copies as true and correct.
They operate regularly at various shopping centres,
courts and other locations.To find your local Justices
of the Peace or Cdec, visit your State Government’s
website and search for Justice of the Peace.
If you are located near one of our offices, we can have
one of our qualified team who are trained as Justice of
the Peace certify your documents for you.
Simply call us on 1800 PENSION (1800 736 746)
and we can help organise to have your documents
certified.
EXAMPLE
Bob supplied a copy of his licence to be certified
by a justice of the peace.

HOW MUCHYOUR PENSION
IS TAXED (IF AT ALL)
DEPENDS ONYOUR AGE
If you are 60 years of age or older
Your Pension will be paid tax free and you will not
be required to put any of these amounts into your
tax return.
If you are under age 60 and have reached your
preservation age (see page 10)
Your Pension income stream will have two
components:
A tax free component, and
A taxable component
All payments will be made pro-rata from these
components and form part of your assessable income
for that financial year and taxed at your marginal tax rate
plus Medicare levy.The Trustee withholds PAYG amounts
from your Pension payments.
In addition, BUSSQ will issue you with a Group Certificate
after 30 June each year to assist you with your tax return.
TYPE OF PAYMENT TAX APPLIED
Pension payments Aged 60 or over Tax free
Preservation age to age 59 Taxed at your marginal tax rate plus Medicare
levy and eligible for a 15% tax offset.
Under preservation age Taxed at your marginal tax rate plus Medicare
levy.
Lump sum payments
Lump sum payments are
split into taxable and tax free
components.This section deals
with the taxable components.
Aged 60 or over Tax free and not assessable.
Preservation age to age 59 Tax free up to $195,000 for 2015/2016 financial
year then taxed at 15% plus Medicare levy.
Under preservation age Taxed at 20% plus Medicare levy.
Investment returns Tax free while money remains invested.
Benefits transferred at death Tax charged dependent on nominated recipient.
PRESERVATION AGE TAXED COMPONENT TAX FREE COMPONENT
Age 60 or over
Tax free (and does not have to be
included in your tax return).
Tax free
Preservation age to age 59 Marginal tax rate, 15% tax offset. Tax free
Under preservation age Marginal tax rate, no 15% tax offset. Tax free
TAX AND
YOUR PENSION
TAX AT A GLANCE

33
EXAMPLE
For illustrative purposes only.
Peter is age 58 and has $400,000 in his
super account.This amount includes a tax free
component of $100,000 and a taxable component
of $300,000. Peter uses all of his super to open a
Pension on 1 August.
The tax free percentage of Peter’s superannuation
interest when he commences his Pension would be:
Tax free
component $100,000
Value of the $400,000
Pension
The taxable percentage of Peter’s Pension
payment would therefore be 75%.
Peter receives a BUSSQ Pension payment of
$2,000 on 1 September.
Thetax free component of this payment would be:
$2,000 x 25% = $500
The taxable component of Peter’s Pension
payment would therefore be:
$1,500 ($2,000 - $500).
The taxable component will be taxed at Peter’s
marginal tax rate plus Medicare levy, however, it
will also attract a 15% tax offset thereby reducing
the tax he has to pay.
= 25%=
15% TAX OFFSET
You may be entitled to a tax offset of up to 15% of the
taxable amount of your Pension payments if you are:
Aged between your preservation age and 60 (once
you turn 60, your Pension will be paid tax free)
Permanently incapacitated when you start your
Pension, or
Receiving the Pension as a result of the death of
another person.
PLEASE NOTE
A disability superannuation income stream also
receives a 15% tax offset.
TAX ON ROLLOVER
Generally, you do not pay any upfront contribution tax on
the money you transfer into your BUSSQ Pension account.
TAX ON INVESTMENT
EARNINGS
The returns you earn from your investment in a BUSSQ
Pension are tax free.This is one advantage your BUSSQ
Pension has over other superannuation accounts,
approved deposit funds or deferred annuities, which are
taxed up to 15% on their investment returns. Additionally,
if you were to invest your money outside the super
environment, your interest earned would be taxed at your
marginal tax rate.
A BUSSQ PENSION COULD BE
REALLY TAX EFFECTIVE.
“NO ONE SHOULD PAY MORE
TAX THAN THEY HAVE TO”
CLIVE LOLA ARBLASTER

TAX ON LUMP SUM
WITHDRAWALS
You can request the withdrawal of a lump sum from your
BUSSQ Pension at any time.
The tax that applies is as follows:
Age 60 or over – Tax free and not assessable
Preservation age to age 59 – 0% tax up to
$195,000 (indexed,collective total amount) then taxed at
15% plus Medicare Levy;tax free component is always
tax free
Under preservation age – Taxed at 20% plus
Medicare levy (tax free component is always tax free)
As your decision to make a withdrawal from your BUSSQ
Pension can affect how long your Pension payments will last,
you should seek professional taxation advice before you
make a withdrawal.
The lump sum you take out will also comprise of:
A tax free component, and
A taxable component.
Once again all payments will be made in proportion.
The tax free component of a benefit is generally made up of:
Contributions from your after tax income
The taxable component is the balance of your account.
This is only an overview of how benefits from a BUSSQ
Pension will be taxed.We suggest that before you make
a decision to use one of these products that you obtain
qualified financial advice that relates to your personal
circumstances.
BUSSQ can offer financial advice to both members
and non-members about their Pension. Simply call
1800 PENSION (1800 736 746) and ask to speak with a
Financial Planner.
TAX ON A DEATH BENEFIT PAID
AS A REVERSIONARY PENSION
The taxation of a death benefit paid as a reversionary
Pension* (as opposed to a lump sum) will depend on the
age of the deceased member and the reversionary Pension
recipient. If the deceased member was aged 60 or over at
the time of death, then payments to the reversionary
beneficiary will be tax exempt.
If the deceased member was under age 60 at the time
of death, the funds will be taxed at the reversionary
beneficiary’s marginal tax rate (less any tax free amount
and Pension offset) unless, or until, the reversionary
beneficiary is aged 60 or over, in which case any residual
funds becomes tax exempt.
A death benefit can be paid to a dependent child through
regular payments from a Pension account.When the child
reaches 18 years of age (or up to 25 if completing full time
study), the remaining balance in the account will
be paid to the child as a lump sum, tax free.
If the child is permanently disabled then payments can
continue to be paid past age 25.
If a deceased member’s death benefit is left to a non-
dependant, it will be paid as a lump sum.
*For information about reversionary Pensions see page 28.
TAX TREATMENT OF PENSION LUMP SUM WITHDRAWALS
AGE LUMP SUM PENSION
Age 60 or over Tax free. (Tax free component is always tax free) Tax free
Preservation age
to age 59
Zero percent tax up to low rate cap of $195,000
(indexed). (Tax free component is always tax free)
Marginal tax rates and 15% tax offset.
(Tax free component is always tax free).
Under
preservation age
Taxable component is subject to 20% tax and 2%
Medicare levy (Tax free component is tax free)
Marginal tax rates (no tax offset unless
disabled in which case, offset may still
apply.Tax free component is tax free).
ONCEYOU TURN 60 THE PAYMENTS
YOU DRAW FROMYOUR BUSSQ
PENSION ARE TAX FREE.
ANTI-DETRIMENT
Anti-detriment payments are paid to the dependent
beneficiaries of a deceased member of the fund. It is only
payable where the death benefit is paid as a lump sum and
it represents a refund of the 15% contribution tax levied
against superannuation entitlements during their lifetime.
The amount payable is calculated using the ATO formula
method.
BUSSQ arranges for the anti-detriment payment to be paid
automatically whenever eligible.

35
TAX ON A DEATH BENEFIT PAID TO A DEPENDANT
TYPE OFDEATH
BENEFIT
AGE OF DECEASED AGE OF RECIPIENT TAXATION
Lump sum Any age Any age Tax free
Pension Age 60 and above Any age Tax free
Under 60 Age 60 and above Tax free
Under 60 Under 60 Taxable at marginal rates
with 15% offset on taxable
component. Tax free
component is always tax
free.
TAX ON A LUMP SUM
DEATH BENEFIT
A lump sum death benefit payment will be tax free if paid
to a person who is a dependant.
A dependant for these purposes is:
A spouse (or former spouse)
A child under 18 years of age
A person with whom you had an interdependency
relationship just before you died, or
Any other person who was totally dependent on you
just before you died.
If the lump sum death benefit is paid to a person who
is a non-dependant, the taxable component will be
taxed at 15%.
TAX FILE NUMBER (TFN)
INFORMATION
BUSSQ is authorised to ask for your Tax File Number
under the Superannuation Industry (Supervision) Act
1993 (SIS). Advising BUSSQ of your Tax File Number is
voluntary and it is not an offence if you choose not to
provide it. BUSSQ is required by law to take the necessary
steps to properly safeguard your TFN.
TAX ON A DEATH BENEFIT PAID TO A NON-DEPENDANT
AGE OF DECEASED DEATH BENEFIT AGE OF RECIPIENT TAXATION
Any age Lump sum Any age
Taxable component is
subject to 15% tax.
Any age Pension Any age Not available
PLEASE NOTE
If you choose not to provide your TFN to BUSSQ,
payments made to you will be subject to PAYG tax
at the highest marginal rate, plus the Medicare
levy.This may be recovered after lodgement of
your tax return.
BUSSQ’s intention is to use your TFN only for approved
legislative superannuation purposes.
Approved legislative purposes include:
To advise the Tax Office for taxation purposes
To advise the Tax Office for the purpose of the Lost
Member Register in the event of you becoming lost
To administer PAYG taxation on income (if under 60)
To allow your TFN to be passed on to another
regulated fund or Retirement Savings Account, if your
benefit is transferred or rolled over, unless BUSSQ
receives written notification stating otherwise
To advise the relevant State authority if we are paying
unclaimed money
Note:These lawful purposes may change as a result of
future legislation.

FEES AND
OTHER COSTS
BUSSQ FEES AND OTHER
COSTS
This document shows fees and other costs that you may
be charged by BUSSQ.These fees and costs may be
deducted from your account balance, from the returns on
your investment or from the fund assets as a whole.
Taxes are set out in another part of this document (see
pages 32 to 35 for more information).You should read
all the information about fees and costs because it is
important to understand their impact on your investment.
CONSUMER ADVICE
WARNING
Did you know?
Small differences in both investment performances
and fees and costs can have a substantial impact
on your long term results. For example, total annual
fees and costs of 2% of your fund balances rather
than 1% could reduce your final return by up to
20% over a 30 year period (for example, reduce
it from $100,000 to $80,000).You should consider
whether features such as superior investment
performance or the provision of better member
services justify higher fees and costs.
You may be able to pay lower contribution fees and
management costs where applicable. Ask the fund
or your Financial Planner.
To find out more
If you would like to find out more, or see the impact
of the fees based on your own circumstances, the
Australian Securities and Investment Commission
(ASIC) website (moneysmart.gov.au) has a
superannuation investment fee calculator to help
you check out different fee options.
BUSSQ PENSION
MANAGEMENT COSTS
BUSSQ does not charge a fee to make an initial roll over
to your Pension account. Management costs are incurred
on BUSSQ by its service providers (such as administrators
and investment managers) and cannot be negotiated
individually by BUSSQ members.
ADDITIONAL EXPLANATION
OF FEES AND COSTS
BUSSQ may be charged a performance fee by underlying
investment managers. A performance fee is payable
when an investment manager achieves investment
performance in excess of pre-agreed benchmarks.
This fee will vary depending on the investment option
chosen and will change year to year. During the financial
year 2014/2015, this fee was between 0.00% and 0.07%
depending on your chosen option.This fee is included
in the management costs shown in the table and is not an
extra cost to members.
Information regarding tax can be found on pages 32 to 35.
The Trustee of BUSSQ reserves the right to increase fees,
however, you will be given 30 days notice. As BUSSQ
returns profits to members, any fee increase will only be
required to cover the costs of running the fund.
No commissions are payable by BUSSQ to any Planner for
giving advice regarding BUSSQ products.
The fees and charges may change due to changes in:
The underlying investment managers, or
Legislation, or
Management expenses.
The fees and charges include GST payable by BUSSQ and
GST attributable investment costs.
Management costs shown have been calculated using the
2014/2015 unaudited accounts.

37
FEES TABLE
TYPE OF FEE AMOUNT HOW AND WHEN PAID
FEESWHENYOUR MONEY MOVES IN OR OUT OF BUSSQ
Investment Fee Nil N/A
Administration Fee Nil
BUSSQ does not charge administration
fees on our Transition To Retirement or
Retirement Pension products.
Buy-Sell Spread Nil BUSSQ does not charge a buy-sell fee.
Switching Fee Nil BUSSQ does not charge a switching fee
Exit Fee
$30 for a partial lump
sum withdrawal, and
$100 to close your
account
A fee of $30 applies to every partial
lump sum withdrawal you make. A fee of
$100 applies if you close your Pension
account.
Advice Fee Varies
Refer to Financial Services Guide on
page 42.
Other Fees and Costs
Refer to Fees and
Other Costs section
Refer to Fees and Other Costs section
Indirect Cost Ratio - These are
ongoing fees and costs for managing
BUSSQ’s investments and administering
your account.The amount you pay for
specific investment options is shown on
page 38
Between 0.21% and
1.44% per annum.
Deducted from BUSSQ’s earnings before
BUSSQ declares a unit price.
BUSSQ’S LOW FEES MEANS MORE OFYOURMONEY IS WORKING FORYOU.

EXAMPLE OF ANNUAL FEES
AND COSTS
This table gives an example of how the fees and
costs in the Balanced Growth option can affect your
superannuation over a one year period.You should use
this table to compare this product with other Pension
products.
BALANCED
GROWTH
AMOUNT
HOW AND WHEN
YOU PAY
Contribution
fees
Nil For every $5,000 that
you put in, you will
be charged $0.00.
PLUS
Management
costs
0.72% And for every
$50,000 you have in
BUSSQ, you will be
charged $360 each
year.
EQUALS
Costs of fund If you had a
balance of $50,000
throughout the
year, you would be
charged a total of
$360 per year.
INVESTMENT OPTIONS
PRE-MIXED
Defensive 0.64%
Balanced Growth 0.72%
High Growth 0.75%
SINGLE ASSET CLASS
Cash 0.21%
Diversified Fixed Interest 0.45%
Australian Shares 0.54%
Australian (Larger Companies) Shares 0.48%
Australian (Small Companies) Shares 0.80%
All Shares 0.84%
International Shares 1.14%
International (Emerging Markets) Shares 1.44%
Commissions
No commissions are payable by BUSSQ to any Financial
Planner for advice to use any product in the BUSSQ
portfolio.
Additions or alterations to fees
and charges
The Trustee has the power to alter, increase or introduce
new charges at its discretion.You will be advised of the
charges before they are altered or introduced.
BUSSQ is unable to negotiate lower fees and management
costs as described on page 36.
INVESTMENT COSTS
The management fees applicable to each of BUSSQ’s
investment options for the year ending 30 June 2015 are
as follows (these fees include GST attributable to the
investment).
It’s important to compare fees
When shopping around for an account based Pension,
many people compare investment returns, but it is just
as important to compare all the fees and charges of the
different funds in which you are interested.This exercise
can be difficult, especially when fees are charged in
different ways and particularly when they are not clear or
explained properly, or are misleading. A difference of 1%
per annum can have a substantial impact on your account
balance.
Some funds charge members entry fees and withdrawal
fees based on a percentage of the account balance. So, be
discerning and choose carefully.
BUSSQ can assist you to compare fees of various account
based Pensions.
Simply call 1800 PENSION (1800 736 746) and ask to
speak with one of our Financial Planners.
BUSSQ IS AN INDUSTRY
SUPER FUND,WHERE ALL
PROFIT GO TO MEMBERS.

39
HOW EARNINGS ARE
APPLIED TOYOUR ACCOUNT
When you invest in a BUSSQ Pension, you buy a number
of units in the investment option(s) of your choice.The
number of units you receive depends on the value of the
units (the unit price) at the date they were bought.
The value of your investment from then on depends on
the number of units that you have and the value of those
units, much like owning shares.
EXAMPLE
If you have $150,000 to invest in the Balanced
Growth option on 1 July when units in the option
are valued at $1, you will start your Pension with:
Initial investment $150,000
Value of units at 1 July $1
Number of units bought 150,000
If on 1 August the unit price increases
to $1.01 then you will have:
Initial investment $150,000
Value of a unit at 1 August $1.01
Number of units owned 150,000
Value of units owned at 1 August $151,500
THEVALUE OF UNITS
The nature of investment markets means that the value
of your units can rise and fall.The unit price reflects
the performance of the investments in the option(s) you
have chosen, after any investment charges have been
deducted.This is why it is important for you to choose
an investment option that you are comfortable with, as
different options have different levels of volatility.
WITHDRAWALS FROMYOUR
PENSION ACCOUNT
When payments are made from your BUSSQ Pension
account, you are really withdrawing a number of units.
MANAGING
YOUR MONEY
DETERMININGTHE UNITVALUE
The unit value is determined by taking the value of the relevant
investment option and deducting the investment management
charges.The unit price is currently calculated weekly. However,
in future this price may be calculated more frequently and you
will be advised beforehand.
In times of high volatility, the Trustee reserves the right to
calculate units more frequently or suspend the calculation
of units.
ONLINE ACCOUNTS AND
STATEMENTS
Online accounts – If you’re a BUSSQ member
you can access your account details 24/7 through the
MemberAccess secure online portal at bussq.com.au.
Once you’ve registered for MemberAccess, you can view
and change your Pension membership details, view your
account balance and recent withdrawals, view and switch
investment options, view your beneficiary details and more.
Statements – As a member of BUSSQ you will receive
bi-annual Member Statements showing your account details
as at 30 June and 31 December each year.
You can also get information about your account by phoning
BUSSQ on 1800 PENSION (1800 736 746) or emailing
super@bussq.com.au.
RESERVING POLICY
As required by legislation, the Trustee maintains an operational
financial risk reserve of 0.35%.The Trustee also maintains an
administrative reserve with its optimum level around 0.15%
of assets.The purpose of the reserve is to fund contingency
expenses, such as taxation adjustments and other calculation
variances. As a result, the administrative reserve can vary from
the optimum level.
EXAMPLE
Withdrawal $5,000
Number of units withdrawn 4,950.5
at $1.01 per unit
Number of units remaining 145,049.5
Value of your 145,049.5 x $1.01
remaining units =$146,500

PURPOSE OF BUSSQ
BUSSQ is an industry super fund established in
Queensland in 1985 to service people in the building,
construction and civil industries.
BUSSQ’s focus is providing members the means to save
for a financially secure lifestyle in retirement.
The Fund does this through consistently delivering
members secure investments and solid returns
throughout all BUSSQ industry superannuation and
Pension products.
BUSSQ also offers members personalised and
professional service and advice to assist them make the
right decisions about their super.
As a public fund, anyone can join BUSSQ.
MANAGING BUSSQ
BUSS(Queensland) Pty Ltd is the Trustee of BUSSQ
and the issuer of this PDS. Its’ Board is made up of an
equal number of employer and member representative
Directors who are nominated by our sponsoring
employer and member organisations:
Master Builders Queensland
Construction Forestry Mining Energy Union (CFMEU).
The Trustee is responsible for ensuring BUSSQ is
managed in the best interests of all members and
their dependants.The Trustee also appoints various
professional organisations to assist it with running BUSSQ.
A Trust Deed governs the operation of BUSSQ and if there
are any inconsistencies between the terms of BUSSQ’s
Trust Deed and this PDS, the terms of the Trust Deed will
prevail. From time to time the Trust Deed may need to be
amended. If it is, you will be notified of any changes that
may adversely affect your benefits.
You may inspect a copy of the Trust Deed on request.
BUSSQ PRIVACY POLICY
STATEMENT
BUSSQ respects your privacy. Protecting your personal
information is important to us, but now the law requires
your personal information to be protected.
The Commonwealth Privacy Act, in accordance with
Australian Privacy Principles, determines how we must
handle personal information.
To obtain a copy of BUSSQ’s Privacy Statement go to
bussq.com.au or call 1800 PENSION (1800 736 746).
ENQUIRIES AND COMPLAINTS
If you are not happy with any aspect of your contact with
BUSSQ and wish to make a formal complaint, you should
write to:
The Enquiries Complaints Officer
BUSSQ
GPO Box 2775
Brisbane QLD 4001
The Enquiries Complaints Officer will investigate your
complaint on your behalf and write to inform you of the
results of that investigation within 90 days.
If you are not satisfied with BUSSQ’s handling of
your complaint or its resolution, you may contact the
Superannuation Complaints Tribunal (the Tribunal).
The Tribunal is an independent body set up by the
Federal Government to assist members or their
beneficiaries to resolve certain superannuation
complaints. It is a free service.The Tribunal may be
able to help resolve your complaint, but only after you
have taken the step of writing to the BUSSQ Enquiries
Complaints Officer.
If the Tribunal accepts your complaint it will try to resolve
the matter through conciliation by helping bring both
sides to a mutual agreement. If this is unsuccessful, the
complaint will be formally referred to the Tribunal for a
determination.
For the cost of a local call you can contact the Tribunal on
1300 884 114 to find out if it can handle your complaint.
The address for correspondence is:
Superannuation ComplaintsTribunal
Locked Bag 3060
MelbourneVic 3001
OTHER
INFORMATION

41
FAMILY LAW
Under Family Law legislation, if your marriage or defacto
relationship breaks down, your BUSSQ Pension account
can be subject to splitting between you and your spouse
or defacto.
The law is not retrospective, which means if you finalised
your property settlement prior to 28 December 2002,
your Pension account cannot be split.
Family Law affects your Pension in two key areas:
Request for information –You, your spouse or
your fiancé entering into a pre-nuptial agreement are
able to request certain information about your Pension
account.
Splitting super – The parties are able to split
your Pension account through an agreement or Court
Order.
Superannuation agreement –You can
enter into a superannuation agreement with your
spouse or de facto (opposite sex or same sex).This
can be made before during or after a marriage or
defacto relationship. A superannuation agreement is
binding upon the Trustees as long as it complies with
legislation at that time.
DOYOU WANT TO FIND
OUT MORE?
Information contained within this PDS may change from
time to time. BUSSQ will advise you of material changes
or significant events within timeframes prescribed by
the legislation via direct communications or the Annual
Report to Members, BUSSQ News and BUSSQ’s website.
Unless the changed information is materially adverse
to members, we may not always update or replace this
document to reflect the changed information.
Any updated information may be published on BUSSQ’s
website at bussq.com.au.
Paper copies of any updated material (and any other
existing documentation) are also available without charge
on request by contacting BUSSQ on:
PHONE 1800 PENSION (1800 736 746)
MAIL BUSSQ
GPO Box 2775
Brisbane QLD 4001
MAKE SURE WE HAVEYOUR
DETAILS
If you have changed your address, or if you are about to,
don’t forget to let us know.This way, you will be sure to
continue to receive your important Pension statements
and other valuable information.
ADVISERS AND SERVICE
PROVIDERS
Many of the matters associated with running BUSSQ are
complex.Therefore, the following service providers have
been appointed to assist with the various operations of
BUSSQ.
Administrator: Australian Administration Services (AAS)
Auditor: Crowe Howarth
Tax Agent: Ernst Young
Insurer: OnePath
Investment adviser: Frontier Investment Consulting
Lawyer:Corrs Chambers Westgarth
Financial advice to members: BUSSQ Financial Planning
Custodian:BNP Paribas Securities Services
COOLING OFF PERIOD
After you apply to take out a BUSSQ Pension
you have 14 days from the date on which BUSSQ
sends you confirmation of your membership in
which to cancel your membership.
The amount of refund you receive may be
adjusted to take into account movements in
investment values during the period between
joining and cancelling membership.You will also
be liable for any Government taxes and charges
paid by BUSSQ on your behalf. If any lump sum
contribution you make to the Pension account
was transferred from another super fund and was
subject to preservation requirements, it must be
transferred to another super fund of your choice
as it cannot be paid out to you in cash.

FINANCIAL
SERVICES GUIDE
WHATYOU SHOULD KNOW
ABOUT THIS GUIDE
This Combined Financial Services Guide (FSG) has been
prepared, authorised and issued by BUSS (Queensland)
Pty Ltd (ABN 15 065 081 281), (AFSL 237860) (BUSSQ)
(ABN 85 571 332 201) and by Pacific Custodians Pty
Limited (ABN 66 009 682 866, AFSL 295142) (Pacific
Custodians). Australian Administration Services Pty
Limited (ABN 62 003 429 114) (AAS) is a Corporate
Authorised Representative of Pacific Custodians
(Authorised Representative Number 307946).The
distribution of this FSG by AAS has been authorised by
Pacific Custodians.
The purpose of this FSG is to help you decide whether
to use the services offered by BUSSQ, and/or AAS (as
providing entity on behalf of its authorising Licensee,
Pacific Custodians).This FSG will provide you with
information about BUSSQ and AAS’s services, how BUSSQ
and AAS’s representatives are remunerated in relation to
the financial services offered and how complaints against
BUSSQ and AAS are dealt with.
As a representative of Pacific Custodians, AAS is
authorised to:
1. Provide general financial product advice for the
following classes of financial products:
1.1 Superannuation, and
1.2 Non-cash payment products.
2. Deal in a financial product by:
2.1 issuing, applying for, acquiring, varying, or
disposing of a financial product in respect of
the following classes of financial products:
2.2.1 Superannuation, and
2.2.2 Non-cash payment products.
BUSSQ is authorised to:
1. Provide financial product advice for the following
classes of financial products:
i Superannuation, and
2. Deal in a financial product by:
i Issuing, applying for, acquiring, varying or
disposing of a financial product in respect of
the following classes of financial products:
a) deposit and payment products limited to
non-cash payments products, and
b) superannuation.
The financial services provided by BUSSQ may include
personal or general advice on:
Rolling over superannuation benefits
Salary sacrifice
Voluntary contributions
Investment choice
Insurance benefits
Account based Pension
Spouse contributions
Superannuation legislation
Tax on superannuation, and
Other superannuation issues.
Before making any decisions to acquire a BUSSQ product,
you should read this Product Disclosure Statement (PDS)
and/or obtain professional financial advice.This PDS
provides information about the benefits, including fees
and risks, associated with that product.
WHAT IS GENERAL ADVICE?
General advice is advice that does not take into account
your individual objectives, financial situation or needs
and as such the advice may not be appropriate for your
circumstances.You should assess your own financial
needs and/or obtain advice from a qualified professional
before acting on general advice.
General advice is provided as part of your BUSSQ
membership fee.There is no additional cost to you for
this service.
WHAT IS PERSONAL ADVICE?
Personal advice is advice that does take into account your
individual objectives, financial situation and future needs.
Whenever BUSSQ provides you with Personal advice,
BUSSQ will provide you with a Statement of Advice (SOA),
also known as a financial plan.
BUSSQ will always tell you about:
Any fees that will be paid in dollar amounts, in relation
to a product or strategy that is recommended.
Any limitations on the advice BUSSQ can give you.

43
When a BUSSQ representative recommends a particular
financial product, a PDS will always be provided to allow
you to make an informed decision.
Personal advice may be either straightforward advice or
complex advice.
WHAT IS THE COST?
AAS does not receive specific remuneration relating
to the services offered that have been outlined in this
guide. AAS is remunerated by BUSSQ for the contracted
administration service that it provides to the fund, as
a whole. BUSSQ levies fees and charges on individual
members to cover the operating costs of the fund
(including administration costs). For information relating
to the administration fees levied by BUSSQ, please refer
to the relevant Product Disclosure Statement (PDS).
AAS does not pay or receive commissions. In some
circumstances, employees of AAS can receive
performance based bonuses (paid by AAS). Apart
from this, no additional remuneration is paid, or benefit
provided to:
The employer of the providing entity
The authorising licensee
An employee or Director of the authorising licensee
(other than normal wages and salary of employees)
Associate(s) of any of the above, or
Any other person.
Where required by legislation, BUSSQ provides a fee
for service approach when providing personal financial
advice.This ensures you only pay for the advice that you
need.
The cost of providing straightforward personal advice is
included in the BUSSQ administration fees.There are no
additional fees or charges for this service. As BUSSQ is an
industry super fund, all profits are returned to members
and not to shareholders. Straightforward personal advice
is single issue advice such as:
Choosing insurance
Making contributions
Choosing investments
All other personal advice is deemed to be complex
advice.The cost of complex advice has to be paid by the
member as, by law, it cannot be spread across the whole
member base.Where advice other than general advice
is provided, the cost of this advice will be at an hourly
rate of $150 including GST.The range of fees for advice
we provide will usually range between $150 and $750
including GST.
We will discuss and agree with you the cost of the advice
before any it is provided.
All representatives are salaried employees and are not
paid any commissions for providing services to you.
Neither BUSSQ Directors nor our representatives receive
hard or soft dollar bonuses as a direct result of providing
advice to you.
BUSSQ Directors do not receive commissions or
bonuses as a result of the services offered to you by
our representatives. Any surplus generated from fees
or charges are retained by the Fund to be used for the
benefit of members.
BUSSQ does not pay any commissions to any third party
who may refer you to BUSSQ.
MEMBER COMPENSATION
ARRANGEMENTS
Pacific Custodians and BUSSQ each have in place
adequate arrangements, including professional
indemnity (PI) insurance, to compensate fund members
or their beneficiaries for loss or damage suffered
as a result of breaches of any relevant legislative
obligations by Pacific Custodians, BUSSQ, or their
authorised representatives.This arrangement satisfies
the requirements of section 912B of the Corporations Act
2001 (Cth).
HOW IS MY INFORMATION
PROTECTED?
The Fund respects the privacy of its members. BUSSQ
only collects information that is necessary to manage
your account, meet any legislative requirements and
provide you with opportunities available to you as a
member, or as otherwise permitted by law.The BUSSQ
Privacy Policy Statement is available at bussq.com.au.

WHAT RELATIONSHIPS
OR ASSOCIATIONS MAY
INFLUENCE THE ADVICE
GIVEN TO ME?
AAS representatives may be members of the BUSSQ Fund.
BUSSQ Directors and representatives may be members
of the BUSSQ Fund.The BUSSQ Fund is an investor in
Members Equity.
Master Builders Queensland Insurance Services, which is
owned by Master Builders Queensland, arrange certain
insurances on behalf of BUSSQ.
BUSSQ uses OnePath (a company of ANZ) for the
provision of Group Life Cover.
The Superannuation Clearing House Pty Limited (ABN
15086721) is a related body corporate of AAS and Pacific
Custodians, who are members of the Link Group of
companies. For more information about the Link Group,
please visit:
http://www.linkmarketservices.com.au/corporate/
AboutUs/About-Us.html
BUSSQ has no association or relationship with any other
product issuer and does not receive any benefit from any
relationship that could influence the providing of advice.
BUSSQ Directors may hold Directorships in funds in which
BUSSQ invests.
WHAT IF I AM NOT HAPPY
WITH THE ADVICE GIVEN?
Should you have a complaint about AAS, you can
telephone, write by post, fax or email to AAS or Pacific
Custodians (to the attention of the Complaints Officer),
detailing your complaint. AAS will consider your
complaint and will usually respond within 30 days. Pacific
Custodians and AAS will make all reasonable efforts to
resolve your complaint quickly and fairly. If you are not
satisfied with the way your complaint is handled, or with
the resolution, you may be able to lodge a complaint
with the Financial Ombudsman Service Limited (FOS)
ABN 67 131 124 448. FOS is an independent body set
up to assist consumers in the resolution of complaints
relating to financial services. FOS may be able to assist
you to resolve your complaint but will only become
involved after you have first made use of AAS’s own
complaints handling process.
MAIL Financial Ombudsman Service Limited
Level 13, 31 Queen Street
MelbourneVic 3000
POSTAL GPO Box 3, Melbourne Vic 3001
PHONE 1300 780 808 or 03 9613 7366
FAX 03 9613 6399
EMAIL info@fos.org.au
WEB fos.org.au
Should you have a complaint about BUSSQ or one of its
representatives, please contact the BUSSQ complaints
officer in writing. If you are not satisfied with our
response, you can contact the Superannuation Complaints
Tribunal (SCT).The SCT may be able to assist you to
resolve your complaint but will only become involved
after you have first made use of BUSSQ’s own complaints
handling process.
MAIL Superannuation Complaints Tribunal
Locked Bag 3060
MelbourneVIC 3001
PHONE 1300 884 114
EMAIL info@sct.gov.au
WEB www.sct.gov.au
WHO IS BUSSQ?
BUSSQ is an industry superannuation fund where profits
are returned to members.
The Fund is a regulated fund under Commonwealth
legislation and is able to obtain taxation advantages
and can accept Superannuation Guarantee (SG)
Contributions.
The Fund holds an Australian Financial Services
Licence which allows the Fund to provide Pension and
superannuation advice to retail clients.
BUSS (Queensland) offers these products:
Transition to Retirement Pensions
Retirement Pensions
Term Allocated Pensions
A superannuation accumulation fund for employees
A superannuation accumulated fund for the self-
employed, and
A choice of a MySuper or Premium Choice account
which offer different levels of customisation and
flexibility.

45
BUSSQ also provides advice on the following under the
Building Super Pty Ltd ASFL (450139) Trading as BUSSQ
Financial Planning:
Deposit and Payment Products - Basic Deposit
Deposit and Payment Products - Non-cash Payment
Government Debentures, Stocks or Bonds
Investment Life Insurance Products
Life Risk Insurance Products
Managed Investment Schemes, including Investor
Directed Portfolio Services
Retirement Savings Account Products
Securities
Superannuation
WHO IS RESPONSIBLE FOR
THE ADVICE GIVEN TO ME?
Pacific Custodians is responsible for advice given to you
by AAS and BUSS (Queensland) Pty Ltd is responsible
for the advice given to you by BUSSQ.You may be
provided with written material and access to the BUSSQ
website.These may contain general advice and BUSS
(Queensland) Pty Ltd is responsible for that advice.
Written communication, including e-mails, may be
provided by either AAS or BUSSQ and the providing
entity will be responsible for the advice given. All contact
with the BUSSQ telephone contact centre will be with
an AAS representative. If you are referred for personal
advice this will be provided by a BUSSQ representative.
The representative assisting you is a salaried employee
who is authorised to give you general or personal advice
regarding BUSSQ and superannuation in general.The
representative will inform you under which category they
operate in terms of their advice status.
WHO CAN JOIN BUSSQ?
Anyone can join BUSSQ.This includes on site and off site
workers, clerical workers, apprentices, professionals,
spouses, family and friends, and working Directors.
You also don’t have to be connected to the building,
construction or civil industries to join the fund.
WHAT IF I NEED MORE
INFORMATION?
Should you require information that takes into account
your personal circumstances, contact the BUSSQ office.
If personal advice is given, you will receive an updated
Financial Services Guide, together with a Statement of
Advice (SOA) setting out that advice and the reasons
leading to that advice.
Before or on joining the Fund you will be provided with a
Product Disclosure Statement (PDS) which will outline the
product and the relevant fees.
HOW DO I CONTACT AAS?
WEB aas.com.au
EMAIL aasenquiries@aas.com.au
PHONE 02 8571 5000
FAX 02 8571 5555
VISIT 1A Homebush Bay Drive,
Rhodes NSW 2138
HOW DO I CONTACT PACIFIC
CUSTODIANS?
PHONE 02 8280 7100
FAX 02 9287 0302
MAIL Locked Bag A14
Sydney NSW 2000
VISIT Level 12, 680 George Street,
Sydney NSW 2000
HOW DO I CONTACT BUSSQ?
WEB bussq.com.au
PHONE 1800 PENSION (1800 736 746)
FAX (07) 3217 5212
MAIL BUSSQ
PO Box 1526
Milton QLD 4064
locations.To find your nearest
office go to bussq.com.au
Australian Administration Services Pty Limited (AAS)
ABN 62 003 429 114
Corporate Authorised Representative of Pacific
Custodians Pty Limited
CAR 307946
Authorising Licensee
Pacific Custodians Pty Limited (Pacific Custodians)
ABN 66 009 682 866
AFS License 295 142
BUSS (Queensland) Pty Ltd
ABN 15 065 081 281;
AFS License 237860
BUSSQ ABN 85 571 332 201

STEP ONE - Do your homework
Get financial advice – If there is anything in this
document you don’t understand or if you’re unsure of
your best course of action, we’re happy to help. Just
call us on 1800 PENSION (1800 736 746) to arrange an
appointment with a Financial Planner (see page 47 for
details).
Read this PDS – to get a better understanding of
BUSSQ’s Pension options.
Choose your BUSSQ Pension – Choose
between a Transition to Retirement (TTR) Pension or a
Retirement Pension (see page 6 to 8). If you need help
selecting the right one for you, contact BUSSQ.
STEP TWO - Get your money in order
Look for lost super – Before opening a BUSSQ
Pension account, it’s a good idea to see if you have any
lost super that you’ve accumulated over your working
life.We can help you search for it; just TEXT your
full name and date of birth to 0429 558 006 or email
findmysuper@bussq.com.au.
Consolidate your super before you open
your BUSSQ Pension account
– By combining your super into one account,it will assist
your transition into your BUSSQ Pension.It’s important
to remember that due to Government regulations,once
you transfer to your BUSSQ Pension account,you will be
unable to contribute additional funds.
If you have multiple super accounts, we can help
combine them into the one account. Just call us or log
onto MemberAccess services at bussq.com.au.
Decide on how much you want to transfer
to your BUSSQ Pension account
– As mentioned, once you open your BUSSQ Pension
account, you cannot make further contributions into it
so it’s a good idea to work out how much money you’d
like to transfer before opening your account.
If you are opening a Transition to Retirement Pension,
you may not want to transfer your entire super balance
so you can keep your current insurance cover (see
page 12 or call us for more information) and to receive
future contributions.
STEP THREE - Make your decision
Decide on how much money you will need
and how frequently you would like your
BUSSQ Pension payments made
- See pages 13 to 16.
Work through the investment section of
this PDS to determine the right investment
option for you -You can indicate your preferred
options in the Investment Choice section of the Pension
Application form. Information on investment choices
can be found on pages 17 to 27. If you would like
assistance, one of our friendly Financial Planners can
help.
Choose your beneficiaries
(see pages 28 and 29)
STEP FOUR - Make your decision
Complete,sign and return these forms:
Pension Application form
RolloverYour Super form if you are rolling money
into your BUSSQ account from other super funds.
Alternatively, you can also do this online though
MemberAccess.
Tax File Number Declaration form (only required if you
are under age 60).
Residency declaration.
Please provide copies of the following:
Driver’s licence or passport (must be certified by an
authorised person, see page 31 for a list of who can
authorise documents and how we can help), and
Proof of account details of the bank you have
nominated for receipt of your Pension payments (only
the top section of your bank statement that contains
your BSB and account number needs to be provided).
YOU DON’T HAVE
TO MAKE THESE
DECISIONS ALONE.
BUSSQ offers you financial advice
about your super. If you would
like more information or help with
any of the paperwork call us on
1800 PENSION (1800 736 746).
More information about our
financial advice services can be
found on page 47.
CHECKLIST

47
Page 1 of 6
BUSS(Queensland) Pty Ltd ABN 15 065 081 281 | AFS Licence 237860 | RSE L0002158 | Registration Number R1055870
CALL US 1800 PENSION (1800 736 746) | WEB www.bussq.com.au | EMAIL super@bussq.com.au | GPO Box 2775 Brisbane QLD 4001
BA/MEMAPP160.604/11ISS8
Don’t forget you can also join online at bussq.com.au
Please complete and sign this form and return to: BUSSQ GPO Box 2775, Brisbane Qld 4001
JOIN BUSSQ PENSION CHOICE
BUSS(Queensland) Pty Ltd ABN 15 065 081 281 BUSSQ ABN 85 571 332 201 | AFS Licence 237860 | RSE L0002158 | Registration Number R1055870
CALL US 1800 PENSION (1800 736 746) | WEB bussq.com.au | EMAIL super@bussq.com.au | GPO Box 2775 Brisbane QLD 4001
Page 1 of 5
1 TYPE OF PENSION REQUIRED (please ✓ one option)
■ TRANSITION TO RETIREMENT PENSION ■ RETIREMENT PENSION
2 PERSONAL DETAILS
BUSSQ super account/member number
Mr/Mrs/Ms/Miss Given names Surname
Date of birth (dd/mm/yyyy) Daytime contact number Mobile
BUSSQ uses your email address to provide important updates about your Pension. We won’t pass on your information to anyone and you can
opt out of email communication at any time.
Email
Street address Suburb / Town State Postcode
3 EMPLOYMENT STATUS (please ✓ one option)
■ Employed ■ Over age 55 and permanently retired ■ Over age 60 and have ceased employment
■ Over age 65 (you may still be employed) ■ Unrestricted non-preserved withdrawal
4 YOUR ROLLOVER DETAILS (please ✓ one option)
■ Whole amount ■ Partial amount (must be at least $25,000) Date ceased work / /
Amount to be transferred from your BUSSQ superannuation account.
(A minimum of $2,500 must be retained if you elect a partial transfer.) $ ■,■■■,■■■ or all bar $2,500 ■
Amount from your BUSSQ superannuation account that you wish
to receive as a lump sum (if any) before your Pension is set up. $ ■,■■■,■■■
5 TAX DEDUCTIONS
If you intend to claim a tax deduction for contributions made to
your BUSSQ superannuation account, please show amount here. $ ■,■■■,■■■
6 YOUR FINANCIAL INSTITUTION DETAILS
Please provide your bank, building society or credit union account details below and attach a copy of a current statement to receive Pension
payments electronically.
Financial institution name Name in which the account is held
BSB number Account number
You will also need to lodge an Intent to claim a tax deduction form.STOP
OFFICE USE ONLY

48Page 2 of 5
7 YOUR PENSION PAYMENTS
I wish to receive my Pension payments (please ✓ which option you would prefer).
■ Twice monthly ■ Monthly ■ Quarterly ■ Half yearly ■ Yearly
Date first payment to be made* (dd/mm/yyyy)
■■■■■■■■ OR ■ Next available
* Under current legislation if you commence your account before 1 June your first Pension payment must be paid before 30 June of that financial year.
If you commence on or after 1 June, you can defer the first payment up to June of the following financial year.
■ If started on or after 1 June, tick here if you want a payment in June.
The amount I wish to receive is (please ✓ which option you prefer).
TRANSITION TO RETIREMENT PENSION
■ Minimum ■ Maximum ■ An amount between your
minimum and maximum range $ ■,■■■,■■■ per payment.
RETIREMENT PENSION
■ Minimum ■ An amount above the minimum $ ■,■■■,■■■ per payment.
Or if you have not requested monthly payments, specify the payments you wish to receive in the box below.
8 YOUR INVESTMENT CHOICE
I would like my BUSSQ Pension account invested in the following investment option(s):
■ Blended Growth Strategy
Cash ■■%
Balanced Growth ■■%
Pension payments will be drawn from the Cash option first.
Pre-mixed options (Percentage)
■ Defensive ■■■%
■ Balanced Growth ■■■%
■ High Growth ■■■%
Single asset class options
■ Cash ■■■%
■ Diversified Fixed Interest ■■■%
■ Australian Shares ■■■%
■ Aust. (Larger Companies) Shares ■■■%
■ Aust. (Small Companies) Shares ■■■%
■ All Shares (50/50) ■■■%
■ International Shares ■■■%
■ International (Emerging Markets) Shares ■■■%
TOTAL MUST EQUAL 100%
The amounts must be whole pe rcentages only e.g. 10%, 27% etc.
I wish to have my Pension payments and fees deducted from the investment option.
If you require more information on the BUSSQ Pension Choice investment options, please refer to pages 19 to 29 of the Product
Disclosure Statement, or call BUSSQ on 1800 PENSION (1800 736 746).
1 5
1 5
8 5
OR
Our custom built
investment strategy,
designed for retirement
Pensions.

49BA/MEMAPP 160.6 09/15 ISS10Page 3 of 5
9 WHO WILL GET YOUR BUSSQ PENSION IF YOU DIE?
In the event of your death, before your account balance runs out, you have two options as to how your Pension will be paid.
■ Option 1 - A reversionary Pension paid to your nominated dependant.
(The person who will continue to receive your Pension upon your death - see page 30 of the Pension Choice PDS for details on a reversionary
beneficiary.)
Person’s full name Relationship to you
Date of birth (dd/mm/yyyy) Phone
Email
You must complete all fields for this to be processed.STOP
■ Option 2 - A lump sum paid to your nominated beneficiary/ies.
In the event of your death, please nominate to whom you would prefer your benefits to be paid.
You can nominate one or more preferred beneficiaries. Attach a list if space is not sufficient.
First person’s full name Relationship to you
Second person’s full name Relationship to you
Third person’s full name Relationship to you
A death benefit is payable to your dependants and/or your legal personal representative or, in limited circumstances, to another person. The final
decision rests with the Trustee. More information is available at bussq.com.au
BINDING NOMINATIONS - BUSSQ accepts binding nominations - please complete the Binding Death Benefit Nomination form if you want this option.
10 RESIDENCY DECLARATION
Temporary residents are not eligible to start a Pension. For more information call us on 1800 PENSION (1800 736 746).
I declare that: (Please tick the box that applies to you)
■ I am an Australian citizen, New Zealand citizen or permanent resident of Australia, or
■ I hold a Subclass 405 (Investor Retirement) or Subclass 410 (Retirement) visa.
* A temporary resident is someone who holds a temporary visa as described in the Superannuation Industry (Supervision) Regulations 1994 or in the
Migration Act 1958.
How much? %
How much? %
How much? %

50Page 4 of 5
PRIVACY AND OTHER IMPORTANT INFORMATION
BUSSQ collects and uses your personal information in accordance with the BUSSQ Privacy Statement which is available from our website or by
calling 1800 MY BUSSQ (1800 692 877). This section discusses some of the ways that BUSSQ uses your personal information. Please call us if you
have any questions about your rights under the privacy legislation.
Anti-Money Laundering and Counter Terrorism Financing (AML/CTF) Act requirements
Compliance with this Act requires that we obtain identification when processing transactions in relation to your BUSSQ account. We do this to
minimise the risk that the fund may be used for the laundering of money and the financing of terrorism, but it also reduces the chance that your
account can be accessed by an unauthorised person.
We may need to identify:
■ You: We may need to ask you to verify your identity if you wish to make a claim on your superannuation benefit. We may also ask you to verify
your identity if we are missing information about you and we may not be able to open an account for you or process any transactions unless this
is received.
■ Your estate and/or beneficiaries: If you die while you are a member of BUSSQ we may need to obtain identity information from your legal
personal representative and/or your beneficiaries.
■ Anyone acting on your behalf: Including a person exercising your power of attorney. In some circumstances we may need to re-verify this
information.
If we have concerns that a transaction may breach any obligation of, or cause us to commit or participate in, an offence under the AML/CTF Law, we
may have to delay or refuse a request or transaction and we will incur no liability to you if we do so.
We also have reporting requirements under the AML/CTF Law, and strictly prevented by the legislation from informing members that any such
reporting has occurred. Where we are obliged to do so, we may disclose any information gathered to regulatory and/or law enforcement agencies,
including the Australian Transaction Reports and Analysis Centre (AUSTRAC).
11 DECLARATION AND SIGNATURE
In signing this application:
■ I agree to provide the Trustee, within a reasonable period, with:
- Any information they may request which relates to my membership of BUSSQ
- Updated facts of any changes to the information provided in this application.
■ I understand that once commenced, the level of Pension will remain unchanged unless I advise the Trustee in writing. I agree that the Trustee will
adjust the Pension payments from time to time to ensure that the level of payments do not fall outside the prescribed income levels specified by
the regulatory authorities.
■ I have read and understood the Conditions of the BUSSQ Transition to Retirement and Retirement Pension Product Disclosure Statement, and this
application is made subject to the terms and conditions of that document.
■ If deemed necessary by me, I have obtained financial advice from a qualified Planner concerning my investment in the BUSSQ Transition to
Retirement and Retirement Pensions.
■ I declare that all the details in this application are true and correct and that I have read the PDS to which this application applies and agree to the
offer contained in it and to be bound by the provisions of the Trust Deed (as amended) governing the fund; and if I have received this PDS from
the internet or any other electronic means, I declare that I have received it personally, or a printout of it, accompanied by or attached to the
application form before making an application to BUSSQ.
■ I understand and accept that the Trustee does not guarantee the performance of the investment strategy.
Signature of applicant
Dated (ddmmyyyy)
➲
CHECKLIST
Before you send your application off to BUSSQ make sure you have provided the following items:
■ Application form completed and signed (including Residency Declaration)
■ Certified copies of your Proof of Identity (see page 5 of this form)
■ Tax File Number Declaration completed and signed*
■ Rollover Your Super form completed and signed, if you plan to roll any money from other super funds into BUSSQ
■ Copy of bank statement where your Pension payments will be made.
*If you are aged between your preservation age and 59 years, and this form is not submitted to BUSSQ at the time your Pension commences, BUSSQ
will be obliged, under current tax rules, to deduct tax at the highest rate plus the Medicare levy from your Pension payments.
WHAT’S MY
PRESERVATION
AGE?
IF YOU WERE BORN
Before
1 July 1960
1 July 1960 to
30 June 1961
1 July 1961 to
30 June 1962
1 July 1962 to
30 June 1963
1 July 1963 to
30 June 1964
1 July 1964
or after
YOU CAN ACCESS
YOUR SUPER AT AGE
55 56 57 58 59 60
SIGN
HERE

51BA/MEMAPP 160.6 09/15 ISS10Page 5 of 5
BA/MEMAPP160.602/16ISS11
COMPLETING PROOF OF IDENTITY
You will need to provide documentation with this transfer request to prove you are the person to whom the superannuation entitlements belong.
Your rollover CANNOT be processed by law without certified ID.
What identification can I use?
Copies of the following documents may be used:
EITHER
One of the following documents only:
■ A current driver’s licence or permit issued under the law of a State or Territory, or
■ A passport issued by the Commonwealth which can be up to two years out of date, that contains a photograph of the person
in whose name the document is issued.
■ Proof of Age Card
- A card issued under a law of a State or Territory for the purpose of providing the person’s age which contains a photograph
of a person in whose name the documents is issued (includes Proof of Age Card or National Identity Card); or
■ National Identity Card
- A card issued for the purpose of identification that contains a photograph and the signature of the person in whose name
the document is issued; and
- Is issued by a foreign government, the United Nations or an agency of the United Nations; and
- If it is in a language that is not understood by the person carrying out the verification it must be accompanied by an English
translation prepared by an accredited translator.
OR
■ Birth certificate or birth extract
■ Citizenship certificate issued
by the Commonwealth
■ Pension card issued by Centrelink
that entitles you to financial benefits.
AND
■ Letter from Centrelink regarding a Government assistance payment
■ Notice issued by Commonwealth, State or Territory Government within
the past 12 months, containing your name and residential address.
For example:
- Tax Office Notice of Assessment
- Rates notice from local council
Certification of personal documents
All copied pages of ORIGINAL proof of identification documents (including any linking documents) need to be certified as true copies by:
■ A Justice of the Peace (JP)
■ A police officer
■ A permanent employee of Australia Post with five or more years of
continuous service
■ A Commissioner for Declarations (CDEC)
■ A finance company officer with five or more years of continuous
service (with one or more finance companies)
■ An officer with, or authorised representative of, a holder of an
Australian Financial Services Licence (AFSL), having five or more
years continuous service with one or more licensees
■ A notary public officer
■ A registrar or deputy registrar of a court
■ A person enrolled on the roll of a State or Territory Supreme Court or
the High Court of Australia, as a legal practitioner
■ An Australian consular officer or an Australian diplomatic officer
■ A judge of a court
■ A magistrate, or
■ A Chief Executive Officer of a Commonwealth court.
The person who is authorised to certify documents must sight the original and the copy and make sure both documents are identical, then make sure
all pages have been certified as true copies by writing or stamping ‘certified true copy’ followed by their:
■ Signature
■ Printed name
■ Qualification (e.g. Justice of the Peace, Australia Post employee etc)
■ Date
■ Contact phone number, and
■ Address.
To certify your documents the authorised person needs to:
1. Compare photography to the ORIGINAL
2. Include the following details on the copy:
■ Stamp or write ‘ This is a true and correct copy of the original’
Followed by:
■ Their name
■ Their qualification (such as Justice of the Peace)
■ Their signature and the date it was signed
I certify this is a true
copy of the
original document.
Julie Preston
Justice of the Peace
19/06/2015

52
Complete this form or call 1800 PENSION and do it over the phone.
Please complete and sign this form and return to: BUSSQ GPO Box 2775, Brisbane Qld 4001
ROLLYOUR SUPER INTO BUSSQ
CALL US 1800 ROLL N SAVE (1800 765 567) | WEB bussq.com.au | EMAIL super@bussq.com.au | GPO Box 2775 Brisbane QLD 4001
SUPER SEARCH - I authorise
BUSSQ to use my TFN to keep
searching for other super I may
have and contact me with details.
YES NO
OPT IN FOR E-STATEMENTS
An easy way to receive, view and
store your statements online.
YES NO
BUSSQ membership number
1 PERSONAL DETAILS
Mr/Mrs/Ms/Miss Given names Surname
Gender Date of birth (dd/mm/yyyy) Tax File Number (TFN) if known
M F
Daytime contact number Mobile
Email address
Super fund name Fund ABN/Unique Super Identifier (USI) Member number
2 SIGN THIS AUTHORISATION
By signing this form I am making the following statements:
■ I have read the BUSSQ Privacy Policy and understand how the Trustee intends to protect and use the information that I send them.
■ I declare I have fully read this form and that the information completed is true and correct.
■ I am aware that I may ask my superannuation provider/s for information about any fees or charges that may apply, or any other information about the
effect this transfer may have on my benefits, and do not require any further information.
■ I understand that any insurance benefits I had in my previous fund/s may cease on transfer.
■ I understand that certain transfer fees may be deducted from my benefits by my previous fund/s, and in some cases BUSSQ may be required by
law to deduct tax from the untaxed portion of the rollover payment. No fees will be charged by BUSSQ to process this rollover.
■ I request and consent to the transfer of the full balance of my superannuation account/s as described above, and authorise the superannuation
provider to close my account/s and give effect to this transfer. I discharge the superannuation provider of my previous fund of all further liability in
respect of the benefits paid and transferred to BUSSQ.
■ I request that any future contributions received by my previous fund be transferred to my BUSSQ account also.
■ I understand that BUSSQ collects and uses my personal information in accordance with the privacy policy available from bussq.com.au.
I understand that I am not obligated to disclose my tax file number, but understand there may be tax consequences if I choose not to.
Signature of applicant
Dated (ddmmyyyy)
➲
SIGN
HERE
BQ/MEM/ROLL456.109/15ISS9

53
FORMS ON FILE?
See over
Issued by CARE Super Pty Ltd
ABN 91 006 670 060 AFSL 235226
RSE L0000956 RSE R1004120
Page 1 of 2
ORIGINAL – Tax Office copy
www.ato.gov.au
This declaration is NOT an application for a tax file number.
■ Please print neatly in BLOCK LETTERS and use a BLACK pen.
■ Print X in the appropriate boxes.
■ Make sure you read all the instructions before you complete this declaration.
Tax file number declaration
NAT 3092-07.2007
Once this form is completed and signed, send the original to the Tax Office and keep your copy in a secure place.
3 What is your registered business name or trading name (or your individual
name if not in business)
5 Who is your contact person?
Business phone number
Branch number
(if applicable)
4 What is your business address?
Suburb or town
State Postcode
There are penalties for deliberately making a false or misleading statement.
Signature of payer
DECLARATION by payer: I declare that the information I have given is true and correct.
Month YearDay
Date For WA, SA, NT, VIC or TAS
Australian Taxation Office
PO Box 795
ALBURY NSW 2640
Return completed original Tax Office copy to:
For NSW, QLD or ACT
Australian Taxation Office
PO Box 9004
PENRITH NSW 2740
6 If you no longer make payments to this payee, print X in this box
Yes No
2 If you don’t have an ABN or withholding payer number, have you applied
for one?
See ‘More information for payers’
on page 6.
Section B: To be completed by the PAYER
1 What is your Australian business number (ABN) (or your
withholding payer number if you are not in business)?
30920707
TAXPAYER-IN-CONFIDENCE(when completed)
Section A: To be completed by the PAYEE
6 On what basis are you paid? (Select only one.)
Full-time
employment
Part-time
employment
Casual
employment
Superannuation
income stream
Labour
hire
7 Are you an Australian resident
for tax purposes? Yes No
You must answer No
at question 8.
9 Do you want to claim family tax benefit or the senior Australians tax offset
by reducing the amount withheld from payments made to you?
NoYes
Complete a Withholding declaration, but only if you are
claiming the tax-free threshold from this payer. If you
have more than one payer, see page 3.
8 Do you want to claim the tax-free threshold from this payer?
Answer No at questions 9 and 10 unless you are a non-resident
claiming a senior Australians, zone or overseas forces tax offset.NoYes
If you have more than one source of income and currently claim
the tax-free threshold from another payer, do not claim it now.
ONLY CLAIM THE TAX-FREE THRESHOLD FROM ONE PAYER.
There are penalties for deliberately making a false or misleading statement.
Signature
Month YearDay
Date
DECLARATION by payee: I declare that the information I have given is true and correct.
10 Do you want to claim a zone,overseas forces,dependent spouse or special
tax offset by reducing the amount withheld from payments made to you?
NoComplete a Withholding declaration.Yes
11 (a) Do you have an accumulated Higher Education Loan
Programme (HELP) debt?
(b) Do you have an accumulated Financial Supplement debt?
Your payer will withhold additional amounts
to cover any compulsory repayments.Yes No
No
Your payer will withhold additional amounts
to cover any compulsory repayments.Yes
OR I have made a separate application/enquiry to the
Tax Office for a new or existing TFN.See Privacy
of information on
page 6. OR I am claiming an exemption because I am under
18 years of age and do not earn enough to pay tax.
OR I am claiming an exemption because
I am a pensioner.
1 What is your tax
file number (TFN)?
2 What is your name? Title: Mr Mrs Miss Ms
Surname or family name
First given name
Other given names
3 If you have changed your name since you last dealt with the Tax Office,
show your previous family name
4 What is your date of birth?
Month YearDay
5 What is your home address in Australia?
Suburb or town
State Postcode
8 5 5 7 1 3 3 2 2 0 1
S U P E R A N N U A T I O N
S C H E M E Q L D
L O C K E D B A G 5 0 4 2
P A R R A M A T T A
N S W 2 1 2 4
B U I L D I N G U N I O N S
1 8 0 0 7 3 6 7 4 6

PLEASE COMPLETE AND SIGN THIS FORM AND RETURN TO:
BUSSQ GPO Box 2775, Brisbane Qld 4001
Page 1 of 2
CALL US 1800 PENSION (1800 736 746) | WEB bussq.com.au | EMAIL super@bussq.com.au | GPO Box 2775 Brisbane QLD 4001
PENSION
BINDING DEATH BENEFIT
NOMINATION
1 PERSONAL DETAILS
BUSSQ membership number (if known) Date of birth (ddmmyyyy)
■■■■■■■■■ ■■■■■■■■
Mr/Mrs/Ms/Miss Surname
■■■■ ■■■■■■■■■■■■■■■■■■■■■■■■■■
Given names
■■■■■■■■■■■■■■■■■■■■■■■■■■■■■■■
Postal Address
Street number / PO Box Street name
■■■■■■■ ■■■■■■■■■■■■■■■■■■■■■■■
Suburb / Town / City State Postcode
■■■■■■■■■■■■■■■■■■■■■■ ■■■ ■■■■
Daytime contact number Mobile
■■■■■■■■■■ ■■■■■■■■■■
Email
■■■■■■■■■■■■■■■■■■■■■■■■■■■■■■■
2 BINDING DEATH NOMINATION OF BENEFICIARIES
A Binding Death Nomination allows you to nominate one or more beneficiaries to receive your benefits in the event of your death. All
nominations must have two witnesses who are over the age of 18 and who are not nominated as beneficiaries. Your nomination will be binding
on the Trustee in the event of your death if it meets the conditions outlined on this form and is accepted and approved by the Trustee.
Nomination Status ■ New Nomination ■ Amendment ■ Renew
In the event of my death, I direct the Trustee to pay my Death Benefit from BUSSQ in accordance with the following:
Beneficiaries
Surname Given name Date of birth Relationship % Allocation
Total 100%
Total must equal 100% or this nomination will not be valid. Only whole percentages will be accepted.
When making a decision on the beneficiary(ies) you wish to nominate please read the Important Information overleaf.
If your nomination does not meet these conditions it will be invalid and your Death Benefit will be dealt with in accordance with the
Trustees decision based on information received at the time of your death.

of 2 BQ/PEN/BIND/DEATH 901.9 09/15 ISS2
2 BINDING DEATH NOMINATION OF BENEFICIARIES (Cont’d)
Important Information
Once you have made your nomination and a fully completed form has been received by the Trustee the nomination is legally binding so long as it
remains valid. The Trustee of BUSSQ must act in accordance with your nomination of beneficiaries. There is strict Government legislation on how
a binding nomination of beneficiaries must be made, amended or revoked by a member. Please note the following conditions that apply to binding
nominations of beneficiaries:
■ Nominations, amendments and cancellations can only be accepted on a form which is approved by the Trustee. This form is an approved form.
■ A beneficiary must be your legal representative (the executor or administrator of your estate) or a dependant.
■ Dependant is defined as:
– Your Child (biological, adopted and step-children under 18), or
– An interdependant partner, or
– Any other person the Trustee considers dependent on you for maintenance and support at the time of your death.
– An interdependant partner is a person that you:
– Have a close personal relationship with,
– Live with,
– Provide with financial support, or they provide you with financial support, and
– Provide domestic support and personal care; or they provide you with domestic support and personal care.
Interdependency can also arise between two people who have a close personal relationship but do not live together or provide each other with
financial or domestic support because of physical, intellectual or psychiatric disabilities.
■ “Spouse” of a person (legal or defacto),
(a) another person (whether of the same sex or a different sex) with whom the person is in a relationship that is registered under a law of a State or
Territory prescribed for the purposes of section 22B of the Acts Interpretation Act 1901 as a kind of relationship prescribed for the purposes of
that section; and
(b) another person who, although not legally married to the person, lives with the person on a genuine domestic basis in a relationship as a couple.
■ If at the time of death your nominated beneficiary is not a dependant under the above definition, your nomination will be made invalid. Should you
require further assistance with your nomination, BUSSQ recommends that you seek guidance from your legal representative.
■ You must specify the proportion of your benefit each beneficiary is to be paid. The total benefit must have been allocated by you on this form. If your
allocation does not total 100% the entire nomination will be invalid.
■ The nomination must be signed by you and two witnesses, both of whom must be at least 18 years of age and not nominated as beneficiaries.
■ Your nomination remains valid for three years from the date it is made. Each year the Trustee will notify you of the details of your
nomination and its expiry date on your Member Statement.
■ Your nomination may be amended at any time by submitting a new approved form to the Trustee. If an amendment is made, the nomination will be
valid for three years from the date the amendment is made.
■ It is your responsibility to keep your nomination up to date and confirm it every three years. Where your nomination is valid and in effect at the
date of your death, the Trustee must pay your Death Benefit in accordance with your nomination. If your personal circumstances change or if your
preferred beneficiaries change you should complete a new form.
■ Where you do not nominate a beneficiary, your nomination has expired or has been cancelled or is otherwise invalid, the Trustee will consider that
no valid nomination applies. In this event, the Trustee will pay your Death Benefit as per the Trust Deed.
■ If your nominated beneficiary is under the age of 18 years the Trustees of BUSSQ may pay this benefit to a guardian to use for the maintenance,
support or advancement of your nominated beneficiary. Alternatively, the Trustee may forward this benefit to the Public Trustee to hold in trust until
the nominated beneficiary attains the age of 18.
■ Before entering into a Binding Death Nomination you should seek professional advice to understand the tax consequences and consider the
suitability of the nomination for your specific needs.
■ The information in this form is general information only and does not take into account individual objectives, financial situations or needs.
Independent witness
Witness A – I declare that the below Declaration was signed and dated by the member in my presence and that I am aged 18 or over
and am not a nominated beneficiary of the member.
Full name of witness A
■■■■■■■■■■■■■■■■■■■■■■■■■■■■■■■Signature of witness A
Date (ddmmyyyy)
➲ ■■■■■■■■
Witness B - I declare that the below Declaration was signed and dated by the member in my presence and that I am aged 18 years
and over and am not a nominated beneficiary of the member.
Full name of witness B
■■■■■■■■■■■■■■■■■■■■■■■■■■■■■■■Signature of witness B
Date (ddmmyyyy)
➲ ■■■■■■■■
NOTE: THIS FORM MUST BE WITNESSED AT THE TIME IT IS SIGNED AND DATED BY THE MEMBER
Member Declaration
I declare that:
■ I have read the BUSSQ Privacy Policy and understand how the Trustee intends to protect and use the information that I send them.
■ I have read and understand the Important Information contained in this form.
■ I will notify the Trustees immediately if my circumstances change and make any necessary changes to my Binding Death Nomination.
Signature
Date (ddmmyyyy)
➲ ■■■■■■■■
SIGN
HERE
SIGN
HERE
SIGN
HERE

56
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VALUABLE SERVICE
FOR BUSSQ MEMBERS
47
“WE SPOKETO A BUSSQ FINANCIAL PLANNER
WHO HELPED US MANAGE OUR PENSION.”
MICHAEL JANET BORDONARO
Ask to speak to one of our
Financial Planners about your
super or Pension over the phoneor in person.
FINANCIAL ADVICE
We are an industry super fund regulated by APRA, and
are therefore required by law to charge our super fund
members a fee for delivering complex financial planning
advice. However, we’ve worked hard to ensure our fees
for financial planning services are low and structured
purely for cost recovery, to make sure you can still access
the financial advice you need to get your retirement
planning on track. Better still, these fees can be deducted
from your BUSSQ account, so you won’t be out of pocket.
BUSSQ offers members and non-members both
straightforward and complex advice.This advice is
delivered by BUSSQ’s in house Financial Planners
and can be done in person or over the phone. Our fee
for complex advice is very competitively priced at
$150 per hour which includes GST. It is expected that
most complex advice will cost between $300 and $750,
depending on the complexity and time required by the
Financial Planners. Non-BUSSQ members who receive
advice will need to be billed for the advice separately.
To find out more go to bussq.com.au or call us
1800 PENSION (1800 736 746).

ABN15 065 081 281
AFS Licence 237860
RSE L0002158
Registration number R1055870
BUSSQ SPIN CODE BUS0002AU
BQ/PEN/PDS455.808/15ISS6
CONTACTING US
WEB bussq.com.au
PHONE 1800 PENSION (1800 736 746)
MAIL GPO Box 2775
Brisbane QLD 4001
locations. For details go to
bussq.com.au and search
‘visit us’.
building better futures

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