1. The Text On The Inside Of The Front Cover Of The PDS Is .
NAB.005.235.0061Supplementary Product Disclosure StatementDate issued: 19 December 2008This is a Supplementary Product Disclosure Statement(‘SPDS’) for the Top 200 Product Disclosure Statementdated 7 April 2008 (‘PDS’).This SPDS must be read in conjunction with the PDS.The Issuer of the PDS and SPDS is Navigator AustraliaLimited ABN 45 006 302 987 AFSL 236466.Terms defined in the PDS have the same meaning in thisdocument.The purpose of this document is to update the Top 200PDS to include the Commonwealth Bank of AustraliaABN 48 123 123 124 AFSL 234945 (‘CBA’) as ultimate ownerof St Andrew’s Wealth Management Ltd ABN 97 097 084 878AFSL 230727 (‘St Andrew’s’) and Bank of Western AustraliaLtd ABN 22 050 494 454 AFSL 236872 (‘BankWest’), thedistributors of the Top 200 product.1. T he text on the inside of the front cover ofthe PDS is replaced with:Who provides Top 200?Top 200 (ARSN 115 805 546), a registered managed investmentscheme, is distributed by St Andrew’s Wealth Management LtdABN 97 097 084 878 AFSL 230727 (‘St Andrew’s’) and Bank ofWestern Australia Ltd ABN 22 050 494 454 AFSL 236872(‘BankWest’) who are related bodies corporate, both of which,on or about 19 December 2008, will ultimately be owned by theCommonwealth Bank of Australia ABN 48 123 123 124 AFSL234945 (‘CBA’) .Navigator Australia Ltd ABN 45 006 302 987 AFSL 236466(‘Navigator’) is the responsible entity of Top 200 and is referredto throughout this Product Disclosure Statement (‘PDS’) as the‘Administrator’. Navigator is part of the Aviva plc group. Navigatoris the issuer of this PDS and of units in Top 200.
NAB.005.235.0062Important information about Top 200This PDS, dated 7 April 2008, describes the features and benefitsof Top 200 and includes an application form. This PDS does nottake into account the personal circumstances of any investor.Before investing in Top 200, please read this PDS carefully andconsider its appropriateness for you or speak to a financial adviser.Neither Navigator, its ultimate Australian parent Aviva AustraliaHoldings Limited ABN 38 095 045 784 (‘Aviva Australia’),BankWest, St Andrew’s, CBA nor any of their related companiesnor their respective officers in Australia or overseas guarantee thecapital invested by investors in, or the performance of, Top 200.An investment in Top 200 does not represent a deposit with or aliability of BankWest, St Andrew’s, CBA, or any of their relatedentities in Australia or overseas. The Administrator is not anAuthorised Deposit Taking Institution.This PDS may be made available electronically. The offer or invitationto which this PDS relates is only available to persons receiving acopy (including an electronic copy) of this PDS within Australia.Some of the information in this PDS may change from time to time.Where those changes are not materially adverse from the point ofview of a reasonable person deciding, as a retail client, whether toinvest in Top 200, the updated information will be made available attop200shares.com.au or a paper copy of the updated informationwill be provided without charge on request if you call Top 200Client Services on 1300 723 832.2. O n page 24 of the PDS, the section titledFinancial Industry Complaints Service(‘FICS’) is replaced with:Financial Ombudsman Service (‘FOS’)If you are dissatisfied with the outcome of your complaint or itsprogress, you can seek assistance from the Financial OmbudsmanService. You can contact FOS on 1300 780 808, fax number (03)9613 6399 or visit their website www.fos.org.au or alternatively youcan write to:Financial Ombudsman ServiceGPO Box 3Melbourne Victoria 30013. T he fourth bullet point on page 26 of thePDS is replaced with:STA117B 12.08 Acknowledge and understand that Navigator, Aviva Australia,BankWest, St Andrew’s, CBA or any of their relatedcompanies and their respective officers in Australia oroverseas do not guarantee the capital invested by investors orthe performance of Top 200,2
INVESTMENTTop 200 Direct Debit RequestnnnnnnnnnnnnnnAdministrator:Navigator Australia LtdAccount namePlease note: Unfortunately BankWest Telenet Saver is not available for direct debit.BSB numbernn / nn / nnnnnnn -nnn Account number nnnnnnnnnnnnnnnnn / nn / nnnnPreferred date for initial investment isPreferred commencement date for the monthly regular investment is(if no date is specified for the first regular investment, the commencement date will be the next processing date)Visit top200shares.com.auPlease see reverseSTA001P 03 08Issued by:Navigator Australia LtdTop 200 Product Disclosure Statement7 April 20088254 BWA01655 MAR08Distributed by: St Andrew’s Wealth Management Ltdand Bank of Western Australia LtdFor all investor requirements call Top 200 ClientServices on 1300 723 832Monday to Friday 8.30am to 7.00pm ESTWrite to Top 200 Client ServicesReply Paid 1624Melbourne, Victoria 8060Email top200@investinfo.com.aunnnn Family name nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn Second given name nnnnnnnnnnnnnInvestor 1/Director 1/Trustee 1/Executor 1/Partner 1Top 200 account number (if known)For new business enquiries and obtaining anapplication pack:Call Top 200 Hotline on 1300 867 200Monday to Friday 8.30am to 7.00pm ESTWrite to Top 200GPO Box 2979Melbourne, Victoria 3001Email top200@top200shares.com.auFamily name nnnnnnnnnnnnnnnnnnnnnnnnnnnTitle nnnnSecond given name nnnnnnnnnnnnnGiven name nnnnnnnnnnnnnnEntity name nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnPlease debit my/our account for:n Initial Investment n Regular Monthly InvestmentName of financial institution nnnnnnnnnnnnnnInvestor 2/Director 2/Trustee 2/Executor 2/Partner 2Given nameTitleDistributor:St Andrew’s Wealth Management LtdandBank of Western Australia LtdInvestingin thesharemarketis easy withTop 200.Get in touchCover SpineBack Cover PerforationFold Out FormNAB.005.235.0063
Inside CoverSpine Inside Back CoverPerforationFold Out Form Company Seal (if required under your company’s constitution)nn / nn / nnnnDateSignature of Director /Sole Director Secretary (delete as applicable)Full name of Director/Sole Director or Secretary (delete as applicable)7Signature of Director7nn / nn / nnnnDate‘Top 200’ is a trademark of St Andrew’s Wealth Management Ltd.71Signature of Investor 2/Trustee 2/ Executor 2/ Partner 2Some of the information in this PDS may change from time to time.Where those changes are not materially adverse from the point ofview of a reasonable person deciding, as a retail client, whether toinvest in Top 200, the updated information will be made availableat top200shares.com.au or a paper copy of the updatedinformation will be provided without charge on request if you callTop 200 Client Services on 1300 723 832.nnnnnnnnnnnnnnnnnnnnn nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn nnnnnnnnnnnnnnnnnnnnnThis PDS may be made available electronically. The offer orinvitation to which this PDS relates is only available to personsreceiving a copy (including an electronic copy) of this PDSwithin Australia.Full name of Investor 2/Trustee 2/ Executor 2/ Partner 2An investment in Top 200 does not represent a deposit with or aliability of BankWest, St Andrew’s, or any of their related entities inAustralia or overseas. The Administrator is not an AuthorisedDeposit Taking Institution.7Neither Navigator, its ultimate Australian parent Aviva AustraliaHoldings Limited ABN 38 095 045 784 (‘Aviva Australia’),BankWest, St Andrew’s nor any of their related companies northeir respective officers in Australia or overseas guarantee thecapital invested by investors in, or the performance of, Top 200.Signature of Investor 1/Trustee 1/ Executor 1/ Partner 1This PDS, dated 7 April 2008, describes the features and benefitsof Top 200 and includes an application form. This PDS does nottake into account the personal circumstances of any investor.Before investing in Top 200, please read this PDScarefully and consider its appropriateness for you or speak toa financial adviser.nnnnnnnnnnnnnnnnnnnnn nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn nnnnnnnnnnnnnnnnnnnnnImportant information about Top 200Companies or Trustees sign hereIf signing under a company seal, we confirm it was affixed in our presenceFull name of DirectorNavigator Australia Ltd ABN 45 006 302 987, AFSL 236466(‘Navigator’) is the responsible entity of Top 200 and is referredto throughout this Product Disclosure Statement (‘PDS’) asthe ‘Administrator’. Navigator is part of the Aviva plc group.Navigator is the issuer of this PDS and of units in Top 200.Individual, joint account holders sign hereIf the account is in joint names both investors must signFull name of Investor 1/Trustee 1/ Executor 1/ Partner 1Top 2001 (ARSN 115 805 546), a registered managed investmentscheme, is distributed by St Andrew’s Wealth Management LtdABN 97 097 084 878, AFSL 230727 (‘St Andrew’s) and Bank ofWestern Australia Ltd ABN 22 050 494 454, AFSL 236872(‘BankWest’) who are related bodies corporate, both of whichare ultimately owned by HBOS plc (“HBOS”).Top 200 Direct Debit RequestWho providesTop 200?Declaration and signatureI/We request Navigator Australia Limited (ABN 45 006 302 987) (‘The Administrator’), until further notice, to debit my/our account at the financial institutionidentified, any amounts which the Administrator, (User ID No. 371120), may debit or charge me/us through the direct debit request system. This requestwill remain in force in accordance with the terms described in the direct debit service agreement on page 27 of the PDS which we agree to be bound by.NAB.005.235.0064
NAB.005.235.0065InsideShare in the returns of Australia’s Top 200 companies1What are the benefits?15 simple steps1All about Top 2002How does Top 200 compare to other funds?3Performance3Snapshot – Top 200 features5Things to think about before investing6Top 200 investment approach7Who can invest?8Choose how you want to invest8How to apply8All the support you need8How does it work?9Fees and other costs11Additional explanation of fees and costs13How do fees affect your investment?15Reports you will receive17Important additional information17Taxation of your investment21Your rights as an investor22Consents25Additional disclosure information25Declarations26Direct debit service agreement27Applying for Top 20029Get in touchDefinitions‘Administrator’, ‘our’, ‘we’ or ‘us’ refer to Navigator,the responsible entity of Top 200‘Distributor’ refers to St Andrew’s and BankWest‘Top 200’ or ‘Fund’ refer to the Top 200 Fund(ARSN 115 805 546)‘you’ or ‘your’ refer to a potential investor orinvestor of Top 200back cover
NAB.005.235.0066
NAB.005.235.0067Share in the returns of Australia’sTop 200 companiesIt’s here. Top 200 lets you invest in the long-term growthof Australia’s leading 200 listed companies. Where mostmanaged funds try to outperform the market, Top 200aims to achieve returns in line with the market. This simpleidea reduces the costs of investing2 while giving you thebenefits of share market returns.What’s more, you don’t need a lot of money to startinvesting. Top 200 gives you an alternative investmentvehicle for those longer term goals like saving for a child’seducation, first home deposit, that renovation, or justsimply to grow your wealth.What are the benefits? Share in the long-term growth of Australia’sTop 200 companiesStart with 5,000 lump sum investment, or with 2,500 plus minimum 100 monthly contributionsBenefit from a low2 0.98% annual fee, withno commissions paid to brokers or advisersInvesting is straightforward, online, at a BankWestbranch, or by mail5 simple steps1 Read this PDS to see if Top 200 is right for you2 Complete the simple application form in this PDSor online at top200shares.com.au3 If you are a company, Self Managed SuperannuationFund (‘SMSF’), Trust, Estate or Partnership pleasecomplete the Customer Identification Verification formavailable from any BankWest branch, online attop200shares.com.au or Top 200 Client Serviceson 1300 723 832.4 Return your completed application form to anyBankWest branch or mail it to: Top 200 Client Services,GPO Box 1624, Melbourne VIC 30015 We will process your application and send youa welcome pack. 2If you need help, please call Top 200 Client Serviceson 1300 723 832Compared to many actively managed funds (please see ‘How does1UTop 200 compare to other funds?’ on page 3).
NAB.005.235.0068All about Top 200Top 200’s investment objectiveIndices have been around for a long time. Indices specific tothe share market measure performance of the overall marketor sector(s) of the market, over time. For example,a share market index is a sample basket of shares thatrepresents the change in value of the market as a whole, inmuch the same way that inflation is measured by comparingthe cost of a basket of goods over time.Top 200 is designed to deliver returns as close aspossible to that of the index of Australia’s top 200 listedcompanies, the S&P/ASX 2003 Accumulation Index (‘Index’).The Index is based on returns (pre tax and fees), and takesinto account the reinvestment of income.The Index includes companies across all major industrysectors and represents approximately 78% of the totalAustralian share market value, as at 29 February 2008.How we invest in the share marketTop 200 currently invests in an underlying registered scheme,which is managed by Colonial First State Investments Limited(‘Asset Manager’).The Asset Manager uses detailed risk analysis to design andmanage a portfolio of shares to achieve Top 200’sinvestment objective. All shares in the underlying fund aremaintained within a close margin to their actual proportion inthe Index. The underlying fund mainly invests in Australianshares and cash as follows:Asset allocationRangeBenchmarkAustralian shares95 – 100%100%0 – 5%0%(note 1)CashNote 1 A reference to Australian shares or companies may includeunits in trusts and/or investments in companies listed on anoverseas stock exchange if they are also listed on the ASX.3S&P/ASX 200 refers to Standard & Poor’s S&P/ASX 200 AccumulationIndex, and ASX denotes the Australian Stock Exchange.2
NAB.005.235.0069How doesTop 200 compareto other funds?Many funds that invest in shares are actively managed.Active fund managers hope to outperform major marketsby trying to pick the outperforming shares within relativelyshort-term periods. This may involve a higher volume oftransactions and associated costs although there is noguarantee of superior investment performance. By doing so,actively managed funds typically have higher managementcosts than index managed funds.The Asset Manager uses an index management approachto deliver returns as close as possible to thatof the Index. This is generally associated with a lower volumeof transactions. As a result, management costs of indexfunds are typically lower than actively managed funds.PerformanceEach quarter, we will provide you with a report showinghow your investment has performed. You will also beable to access the latest Top 200 unit price attop200shares.com.au or by calling Top 200Client Services on 1300 723 832.Top 200 has received a compound annual return of 13.46%from inception (17 October 2005) to 29 February 2008.For the same period the Index has achieved a compoundannual return of 14.76%.The graph on the next page illustrates 10 years of returnsfor the Index (to 29 February 2008). The Index hasachieved a compound annual return of 11.79% over this10 year period. During this period there have been two yearswith a negative return.While Top 200 is designed to deliver returns as close aspossible to that of the Index, past performance of the Indexand Top 200 is not necessarily indicative of the futureperformance of the Index and Top 200. In particular itshould be noted that periods of volatility such as the marketis experiencing at the date of this PDS, may significantly3
NAB.005.235.0070impact the performance of the Index and Top 200. Suchmarket volatility will impact the performance figures shownabove and the performance graphs shown below for theperiod after 29 February 2008.S&P/ASX 200 Accumulation Index returns –last 10 years to 29 February 2008Performance (Note eb04Feb05Feb06Feb07Feb08YearThe graph below shows the half yearly growth in the Indexsince 1998, where the Index value (see note 3 below)has moved from 11,410 (28 February 1998) to 35,674(29 February 2008), representing an increase of 213%over that period.S&P/ASX 200 Accumulation Index (Note 3)S&P/ASX 200 Accumulation Indexperformance since 28 February eb98Feb99Feb00Feb01Feb02Feb Feb0304YearFeb05Feb06Feb07Feb08Note 2 Performance illustrated is based on reinvestment ofincome and before fees and taxes.Note 3 The S&P/ASX 200 Accumulation Index value on any dateis a unit measure representative of the underlying value of theshares that make up this index.4
NAB.005.235.0071Snapshot –Top 200 featuresLump sum investment option (Go to page 8)Minimum initial investment 5,000Minimum additional investment 100 (optional)Minimum withdrawal 500Regular investment facility option (Go to page 8)Minimum initial investment 2,500Minimum additional investment(direct debit) 100(required monthly)Minimum withdrawal 500Top 200 fees and costs (Go to page 11)Management costs0.98% p.a.Buy/sell spread 0.25%Administration featuresAbility to check yourinvestment at perReportsOnline/paperAnnual tax statements –helping to manage your taxPaperHow to apply (Go to page 8)Application formBankWest branch/mail/online5
NAB.005.235.0072Things tothink aboutbefore investingBefore investing in Top 200, take the time to think aboutyour needs, financial situation, your timeframe forinvestment and how you feel about risk.Investing in shares isa longer term commitmentTop 200 is aimed at investors who want the benefits ofinvesting in the Australian share market, who canaccommodate short-term fluctuations (including thepossibility of negative returns) and who are investing overthe longer term. The minimum recommended investmentperiod is 5 to 6 years.Your comfort with riskAny investment decision involves taking risks of some sort.It is important to understand the relationship between riskand return, especially in light of the timeframe you areconsidering for your investment.As a general rule, the higher the level of risk associatedwith an investment, the higher the potential return will be,though the chance of incurring a loss will also be greater.Historically, over the longer term, shares provide higherreturns (and therefore risk) than most other asset classes.A commonly used measure of investment risk is volatility.This refers to the tendency of investment values tofluctuate. This volatility can apply to both the market priceand the income of a particular investment. So, the value ofyour investment may go up or down, and you may not getback the full amount that you invested. Please be awarethat your investment is not guaranteed.6
NAB.005.235.0073More information about riskThe investment processes used by our Asset Managerare designed to ensure that risks are managed ona number of levels. Investors should be aware that thereare a number of risks associated with this type ofinvestment. We have summarised 4 key risks as follows: Market risk The risk of negative events occurring thataffect the investments in a particular market, forexample, the level of interest rates, investor confidence,political and world events,Legislation risk The risk of government changes inlegislation and taxation, which may influence the valueof your investment,Management risk The risk that the Asset Managermay not perform to expectation, andFund risk The specific risks associated with Top 200and the underlying fund, including the risk that thosefunds could terminate or that the responsible entity ofthose funds could be changed.Top 200 investmentapproachA disciplined
This is a Supplementary Product Disclosure Statement (‘SPDS’) for the Top 200 Product Disclosure Statement dated 7 April 2008 (‘PDS’). This SPDS must be read in conjunction with the PDS. The Issuer of the PDS and SPDS is Navigator Australia Limited ABN 45 006 302 987 AFSL 236466. Terms defined in t
Text text text Text text text Text text text Text text text Text text text Text text text Text text text Text text text Text text text Text text text Text text text
May 02, 2018 · D. Program Evaluation ͟The organization has provided a description of the framework for how each program will be evaluated. The framework should include all the elements below: ͟The evaluation methods are cost-effective for the organization ͟Quantitative and qualitative data is being collected (at Basics tier, data collection must have begun)
Silat is a combative art of self-defense and survival rooted from Matay archipelago. It was traced at thé early of Langkasuka Kingdom (2nd century CE) till thé reign of Melaka (Malaysia) Sultanate era (13th century). Silat has now evolved to become part of social culture and tradition with thé appearance of a fine physical and spiritual .
On an exceptional basis, Member States may request UNESCO to provide thé candidates with access to thé platform so they can complète thé form by themselves. Thèse requests must be addressed to esd rize unesco. or by 15 A ril 2021 UNESCO will provide thé nomineewith accessto thé platform via their émail address.
̶The leading indicator of employee engagement is based on the quality of the relationship between employee and supervisor Empower your managers! ̶Help them understand the impact on the organization ̶Share important changes, plan options, tasks, and deadlines ̶Provide key messages and talking points ̶Prepare them to answer employee questions
Dr. Sunita Bharatwal** Dr. Pawan Garga*** Abstract Customer satisfaction is derived from thè functionalities and values, a product or Service can provide. The current study aims to segregate thè dimensions of ordine Service quality and gather insights on its impact on web shopping. The trends of purchases have
Chính Văn.- Còn đức Thế tôn thì tuệ giác cực kỳ trong sạch 8: hiện hành bất nhị 9, đạt đến vô tướng 10, đứng vào chỗ đứng của các đức Thế tôn 11, thể hiện tính bình đẳng của các Ngài, đến chỗ không còn chướng ngại 12, giáo pháp không thể khuynh đảo, tâm thức không bị cản trở, cái được
Le genou de Lucy. Odile Jacob. 1999. Coppens Y. Pré-textes. L’homme préhistorique en morceaux. Eds Odile Jacob. 2011. Costentin J., Delaveau P. Café, thé, chocolat, les bons effets sur le cerveau et pour le corps. Editions Odile Jacob. 2010. Crawford M., Marsh D. The driving force : food in human evolution and the future.