ING DIRECT is a division of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL
229823, Australian Credit Licence 229823. For information about the Australian Government
Deposit Guarantee, click here. ING DIRECT Living
Super (which is part of the ING DIRECT Superannuation Fund ABN 13 355 603 448) is
issued by The Trust Company (Superannuation) Limited ABN 49 006 421 638, AFSL 235153.
You should consider the relevant Product Disclosure Statement, Terms and Conditions
and the Financial Services Guide available at ingdirect.com.au when deciding whether
to acquire, or to continue to hold, a product. Buy/Sell spreads and other incidental transaction costs apply
to all Living Super managed investment options including the Balanced fund.Buy/Sell spreads and other transaction
costs are retained within the managed investment and are not fees paid to ING DIRECT or the Trustee. The Trustee
may replace one or more of the underlying investment managers which may affect the fee structure for the investment options.
The Trustee may vary the fees for ING DIRECT Living Super without your consent by giving 30 days notice.