Infrastructure

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Investment Objectives

To achieve a crediting rate equivalent to inflation plus 3.5% per annum in three and a half out of five rolling five-year periods.

Credit Rates	Performance
30 June 2011	9.75% p.a.
30 June 2010	9.18% p.a.
30 June 2009*	-5.37% p.a.
5 year average**	4.28% p.a.

Strategic Asset Allocations

Suggested investment period

At least 7 to 10 years

Risk of negative return

1 in 6.5 years

Type of investor this would suit

Investors with a medium to long term investment horizon who are looking for exposure to the general economy but with lower volatility requirements.

*Returns are for the period 1/1/09 to 30/06/09.

**Average is the compound average of the crediting rates over the past 5 years or shorter where the option was introduced from a later date. CPI over the same 5 year period averaged 3.04% p.a.

Past Performance is not a reliable indicator of future performance

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Infrastructure

Investment Objectives

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