Fees and
costs
28 March 2025
The information in this document forms part of the following
Product Disclosure Statements:
> UniSuper Accumulation 1 Product Disclosure Statement
issued on 2 8 March 2025
> UniSuper Personal Account Product Disclosure Statement
issued on 2 8 March 2025
ABOUT THIS DOCUMENT Contents
This document has been prepared and issued by
UniSuper Limited. It contains information about the
fees and costs for each of our investment options and
more detail about other fees and costs associated with 1
Fees and costs
Accumulation 1 and Personal Account membership.
It should be read in conjunction with the Product Example of annual fees and costs for the Balanced
Disclosure Statement (PDS) and Target Market (MySuper) investment option 3
Determination (TMD) that applies to your UniSuper
membership category. 4
Cost of product information
Information in this document may change from time
to time. If the changes are not materially adverse, 5
Additional information of fees and costs
you will find the updates, along with this document,
at unisuper.com.au/pds. You can also request a paper
8
Defined fees
or electronic copy of updates without charge by calling
1800 331 685.
UniSuper, ABN 91 385 943 850, is referred to as
‘UniSuper’ or ‘the Fund’. UniSuper Limited, ABN 54
006 027 121, AFSL No. 492806, is referred to as ‘USL’
or the ‘Trustee’, and holds MySuper Authorisation
Number 91385943850448. UniSuper Management AWARD-WINNING FUND
Pty Ltd, ABN 91 006 961 799, AFSL No. 235907, is
We’ve won a string of awards and high ratings for our
referred to as ‘UniSuper Management’ or ‘USM’. USL
record of long-term investment performance, value
has delegated administration of UniSuper to USM,
and services from the country’s top ratings and
which is wholly owned by USL in its capacity as
research agencies and well-known publications.
UniSuper’s trustee. UniSuper Advice is operated by
Importantly, past performance isn’t an indicator of
USM, which is licensed to deal in financial products
future performance. Consider your personal
and provide financial advice. UniSuper Advice financial
circumstances, read the product disclosure statement
advisers are employees of USM. They are remunerated
and target market determination and seek independent
by way of a base salary and potential bonuses.
financial advice before investing. The rating is not a
This document assumes you’re an Australian resident recommendation to purchase, sell or hold any product.
for income tax purposes. For more information about our awards and ratings
go to unisuper.com.au/awards.
The information in this document is of a general nature
only and does not take into account your individual
objectives, financial situation or needs. You should
consider the appropriateness of the information having
regard to your personal circumstances and consider
consulting a qualified financial adviser before making
an investment decision based on information
contained in this document. To the extent that this
document contains any information which is
inconsistent with the UniSuper Trust Deed and
Regulations (together, ‘the Trust Deed’) the Trust
Deed will prevail.
USM, Canstar and Rainmaker Information Pty Ltd have
consented to their logo and/or statements being
included in this document, in the form and context in
which they appear. Where relevant, the organisations included in this
document have provided their consent to the materials
and statements attributed to them, in the form and
© UniSuper Limited 2025 context in which they appear and have not withdrawn
this consent as at the date of preparation.
Fees and costs 1
Fees and costs
Consumer advisory warning
COMPETITIVE FEES
DID YOU KNOW?
UniSuper members benefit from savings we achieve as one
Small differences in both investment of the largest super funds in the country—savings we pass
performance and fees and costs can have a on to you through competitive fees.
substantial impact on your long-term returns.
If you consult an adviser, an additional fee may be payable.
For example, total annual fees and costs of 2%
Our advisers don’t receive commissions.
of your account balance rather than 1% could
reduce your final return by up to 20% over a
FEES AND OTHER COSTS
30-year period (for example, reduce it from
$100,000 to $80,000). This document shows fees and other costs you may be
charged. These fees and other costs are deducted from
You should consider whether features such as
superior investment performance or the your money, from the returns on your investment or from
provision of better member services justify the assets of UniSuper as a whole.
higher fees and costs.
Other fees, such as activity fees, advice fees for personal
You or your employer, as applicable, may be advice and insurance fees, may also be charged, but these
able to negotiate to pay lower fees. Ask the will depend on the nature of the activity, advice or
Fund or your financial adviser.* insurance you choose. Entry fees and exit fees cannot be
charged.
TO FIND OUT MORE
Taxes, insurance fees and other costs relating to insurance
If you would like to find out more, or see the
are set out in the PDS, and the How super works and
impact of the fees based on your own
Insurance in your super documents.
circumstances, the Australian Securities and
Investments Commission (ASIC) Moneysmart You should read all the information about fees and other
website (www.moneysmart.gov.au) has a costs because it’s important to understand their impact on
superannuation calculator to help you check out
your investment.
different fee options.
Within this section we’ve included a summary of fees and
* This text is required by law to be included in all PDSs. Please note, however,
costs for our Balanced (MySuper) investment option. For
UniSuper’s fees are set at a competitive level that is consistent with effective
management and are not negotiable by members. information on fees and costs for our other investment
options please refer to section ‘Additional explanation of
fees and costs’.
Changes to fees and costs
If changes (that aren’t materially adverse) are
made to fees and costs, we’ll update our
website. You can call us to request a paper copy
of this information without charge.
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UNISUPER.COM.AU
FEES AND COSTS SUMMARY
BALANCED (MYSUPER) INVESTMENT OPTION
Type of fee or cost Amount How and when paid
Ongoing annual fees and costs1
Administration fees The lesser of $96 or 2% of your No more than $8 per month is deducted directly from your
and costs account balance per year.1 account. This fee is assessed and applied at the end of each month
or, if you close your account, on that date.1
If at the end of the month your account balance is less
than $4,800 (including investment returns, where applied) you’ll
be charged one month’s worth of the 2% annual fee.
Investment fees and Balanced investment option The investment fee accrues daily and is deducted from the
costs2,3 0.43%1 per year. Balanced investment option and any other option(s) you’re
invested in (as relevant).1,4
Transaction costs2,3 0.19% per year. Transaction costs are incurred over the course of the year and
disclosed as a percentage of the average assets of the relevant
investment option.
Member activity related fees and costs
Buy-sell spread Nil. Not applicable.
Switching fee Nil. Not applicable.
Other fees and costs4 Refer to 'Additional Where these fees and costs are applied to your account, they are
explanation of fees and costs' deducted as described in 'Additional explanation of fees and
for details. costs'.
1 If your account balance is less than $6,000 at the end of UniSuper’s income year, certain fees and costs charged to you in relation to administration
and investment are capped at 3% of the account balance. Any amount charged in excess of that cap must be refunded.
2 The costs component of investment fees and costs and the transaction costs are based on the costs for the year ended 30 June 2024, including several
components which are estimates. Costs are subject to change and amounts for prior years are not necessarily reliable indicators of amounts for future
years. The costs component of investment fees and costs and the transaction costs you’ll be charged in subsequent financial years will vary and depends
on the actual costs incurred by the Trustee in managing the investment option. Investment fees and costs includes an amount of 0.03% for performance
fees. The calculation basis for this amount is set out under ‘Additional explanation of fees and costs’.
3 The investment fees and costs and transaction costs for other investment options are set out in the ‘Additional explanation of fees and costs’ section.
They are calculated on the same basis, and paid at the same frequency and in the same manner as for the Balanced investment option.
4 Refer to the ‘Additional explanation of fees and costs’ section.
Fees and costs 3
Example of annual fees and costs for the Balanced (MySuper)
investment option
This table gives an example of how the ongoing annual fees and costs for the Balanced (MySuper) investment option can
affect your super investment over a one-year period. You should use this table to compare this superannuation product
with other superannuation products.1
EXAMPLE - BALANCED (MYSUPER) INVESTMENT BALANCE OF $50,0002
OPTION
Administration fees and The lesser of $96 or 2% For every $50,000 you have in the superannuation product, you
costs of your account balance will be charged or have deducted from your investment $0in
per year. administration fees and costs, plus $96 regardless of your balance.
PLUS 0.43%3,4 And, you will be charged or have deducted from your
Investment fees and investment $215in investment fees and costs.
costs
PLUS 0.19%3,4 And, you will be charged or have deducted from your investment
Transaction costs $95 in transaction costs.
EQUALS If your balance was $50,000, at the beginning of the year, then for
Cost of product that year you will be charged fees and costs of $406for the
superannuation product.
1 Additional fees may apply. If your accumulation account is invested in investment options other than the Balanced investment option, the investment
fees and costs and transaction costs will be different to those displayed. Refer to ‘Additional explanation of fees and costs’ in the 'Fees and other
costs' section.
2 The calculated amounts do not include contributions that may be made during the year.
3 The costs component of investment fees and costs and the transaction costs are based on the costs for the year ended 30 June 2024, including
several components which are estimates. Costs are subject to change and amounts for prior years are not necessarily reliable indicator for future
years. The costs component of investment fees and costs and the transaction costs you'll be charged in subsequent financial years will vary and
depends on the actual fees and costs incurred by the Trustee in managing the investment option. Investment fees and costs includes an amount
of 0.03% for performance fees. The calculation basis for this amount is set out under ‘Additional explanation of fees and costs’.
4 The investment fees and costs and transaction costs for other investment options are shown in the ‘Additional explanation of fees and costs’ section.
These are calculated on the same basis, and paid at the same frequency and in the same manner as for the Balanced investment option.
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UNISUPER.COM.AU
Cost of product information The cost of product information assumes a balance of
$50,000 at the beginning of the year. (Additional fees such
as a buy–sell spread may apply: refer to the Fees and costs
COST OF PRODUCT FOR ONE YEAR
summary for the relevant superannuation product or
The cost of product gives a summary calculation about investment option.)
how ongoing annual fees and costs can affect your
You should use this figure to help compare superannuation
superannuation investment over a one-year period for all
products and investment options.
superannuation products and investment options. It is
calculated in the manner shown in the Example of annual
fees and costs.
INVESTMENT OPTION COST OF PRODUCT1
Conservative $366
Conservative Balanced $356
Balanced $406
Sustainable Balanced $316
Growth $426
High Growth $451
Sustainable High Growth $326
Cash $131
Australian Bond $171
Australian Income $201
Listed Property2 $206
Australian Shares $411
International Shares $386
Global Environmental Opportunities $276
Australian Dividend Income $306
Global Companies in Asia $311
1 The costs component of investment fees and costs and the transaction costs are based on the costs for the year ended 30 June 2024, including several
components which are estimates. Costs are subject to change and amounts for prior years are not necessarily reliable indicators of amounts for future
years. The costs component of investment fees and costs and the transaction costs you’ll be charged in subsequent financial years will vary and depends
on the actual costs incurred by the Trustee in managing the investment option. Investment fees and costs includes an amount for performance fees.
The calculation basis for this amount is set out under ‘Additional explanation of fees and costs’.
2 This option is not intended for people who are seeking returns from investing in real property. Investing in a listed real estate investment trust (REIT)
is very different from investing in real estate or real property. Refer to the How we invest your money document for more information.
Fees and costs 5
Additional information of The table below includes the average performance fee for
each option (including performance fees in any interposed
fees and costs
vehicles) over the five financial years ended 30 June 2024.
INVESTMENT FEES AND COSTS
INVESTMENT OPTION PERFORMANCE FEE
The investment fees and costs for the year ending 30 June
Conservative 0.02%
2024 (including transaction costs) can be viewed in this
section or atunisuper.com.au/investment-costs. These Conservative Balanced 0.02%
costs show the total investment fees and costs attributed Balanced 0.03%
to each of our investment options (excluding the fees
Sustainable Balanced 0.00%
charged directly to your account) as a percentage of the
total average net assets of the relevant investment option. Growth 0.07%
High Growth 0.07%
PERFORMANCE FEES
Sustainable High Growth 0.00%
We don’t directly deduct any performance fees from
Cash 0.00%
member accounts. However, some external investment
Australian Bond 0.00%
managers may be entitled to receive performance fees if
they generate strong investment returns. Performance fees Australian Income 0.00%
may be paid directly out of the Fund or may be incurred
Listed Property1 0.00%
indirectly out of an interposed vehicle. These are included
in the investment fees and costs and are indirectly borne Australian Shares 0.06%
by members invested in an option. International Shares 0.08%
To receive performance fees, a manager must generate Global Environmental
returns which exceed an agreed benchmark (in some cases Opportunities 0.00%
by a margin or hurdle), in which case the manager is
Australian Dividend Income 0.00%
entitled to receive a percentage of the excess returns. The
Global Companies in Asia 0.00%
amount that can be recouped by any particular manager
in one year is generally capped and fees in excess of the 1This option is not intended for people who are seeking returns from
investing in real property. Investing in a listed REIT is very different
cap are carried forward into future years and can potentially
from investing in real estate or real property. Refer to the How we invest
be paid in future years, subject to generating adequate your money document for more information.
returns. If managers fail to generate excess returns in a
The table below provides the performance fees incurred
year, this typically results in a negative amount being
by the Balanced (MySuper) Option for the last five years.
carried forward for future years to offset any performance
fees which may otherwise become payable in future. BALANCED (MYSUPER) PERFORMANCE FEES
OVER FIVE YEARS ENDED 30 JUNE 2024
Note that managers generally manage portfolios
Year ended 30 June Performance fee
comprising assets which relate to multiple investment
2020 0.01%
options. It’s not possible to accurately predict the amount
of performance fees that may be payable in respect of a 2021 0.04%
particular investment option in any given year. This will
2022 0.05%
depend on:
the investment returns generated during the year ahead 2023 0.02%
which managers generate excess returns within their 2024 0.02%
portfolios
Average 0.03%2
whether there were negative amounts (or positive
2 Average performance fee is calculated prior to rounding for individual
amounts) being carried forward for those managers
years.
the individual fee arrangements (if any) which had been
negotiated with the relevant investment managers
the size of the portfolios being managed by those
managers, and
the proportion of those portfolios which relate to the
relevant investment option.
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UNISUPER.COM.AU
INVESTMENT OPTION FEES AND COSTS
INVESTMENT OPTION FEES AND COSTS FOR THE YEAR ENDED 30 JUNE 2024
Total investment fees and
Investment fees and Transaction costs and transaction
Option costs (%)1 costs (%)1 costs (%)2
Conservative 0.43 0.11 0.54
Conservative Balanced 0.42 0.10 0.52
Balanced 0.43 0.19 0.63
Sustainable Balanced 0.34 0.10 0.44
Growth 0.50 0.16 0.65
High Growth 0.49 0.22 0.71
Sustainable High Growth 0.38 0.08 0.46
Cash 0.06 0.01 0.06
Australian Bond 0.13 0.02 0.14
Australian Income 0.18 0.03 0.21
Listed Property3 0.21 0.01 0.22
Australian Shares 0.42 0.21 0.64
International Shares 0.50 0.08 0.58
Global Environmental Opportunities 0.32 0.04 0.36
Australian Dividend Income 0.35 0.07 0.42
Global Companies in Asia 0.40 0.03 0.43
1 The costs component of investment fees and costs and the transaction costs are based on the costs for the year ended 30 June 2024, including several
components which are estimates. Costs are subject to change and amounts for prior years are not necessarily reliable indicators of amounts for future
years. The costs component of investment fees and costs and the transaction costs you’ll be charged in subsequent financial years will vary and depends
on the actual costs incurred by the Trustee in managing the investment option. Investment fees and costs includes an amount for performance fees.
The calculation basis for this amount is set out under ‘Additional explanation of fees and costs’.
2 Components may not add to ‘Total’ due to rounding.
3 These amounts reflect the fees and costs which we have incurred in managing the Listed Property option, for example, fees and costs we incurred in
the course of investing in listed property securities i.e. REITs for that option. These figures do not include any amounts incurred by the REITs which the
Listed Property option has invested in – such as costs relating to any real property and the other business activities of those REITs.
Fees and costs 7
WHAT'S AN INTERPOSED VEHICLE? currently 0.01% p.a. for each investment option. In
accordance with APRA requirements, the ORR has also
An interposed vehicle is a complicated concept to define
been funded with respect to the DBD.
completely and accurately. The following illustrates, on a
simplistic level, how an investor might invest in an
FEES FOR UNISUPER ADVICE
interposed vehicle.
Factual information and general advice is provided at no
An investor buys shares in a particular company listed on
additional charge to UniSuper members. The cost of that
the Australian Securities Exchange (ASX). In this case, the
service is included in the administration fees and costs you
shares in that company are an investment in their
pay. You can find out more about this service
own right.
at unisuper.com.au/advice.
On the other hand, an investor could invest in another entity
UniSuper Advice is a financial planning service generally
(Fund A) which, in turn, invests in that particular company
available to UniSuper members, former members and their
listed on the ASX. In this case, Fund A will often be
families through UniSuper Management Pty Ltd (USM)
regarded as an interposed vehicle. When super funds
ABN 91 006 961 799 Australian Financial Services Licence
disclose their fees and costs, they include fees and costs
No. 235907, which is licensed to provide financial advice
incurred by interposed vehicles. However, Fund A won’t
services and deal in financial products. UniSuper advisers
necessarily be an interposed vehicle if this was an
are employees of USM. They are remunerated by way of
investment in its own right and not a means of gaining
a base salary and potential bonuses.
exposure to the listed company.
UniSuper Advice offers scaled personal advice on several
Determining whether an entity is an interposed vehicle
topics, or comprehensive personal advice. Scaled personal
involves three separate tests. For a detailed explanation,
advice covers topics like super contributions, investment
we recommend you refer to the ASIC Regulatory Guide 97
options and insurance as they relate to your UniSuper
Disclosing fees and costs in PDSs and periodic statements
account. Comprehensive advice includes retirement
as well as any guidance (including frequently asked
planning, insurance, non-super investments and wealth
questions) issued by ASIC in conjunction with Regulatory
accumulation.
Guide 97. The guide is available at asic.gov.au/
regulatory-resources/find-a-document/regulatory-guides. You’ll receive an advice fee quote before UniSuper Advice
proceeds with personal advice services. You’ll be charged
TRANSACTION COSTS on a fee-for-service basis at either a fixed or hourly rate.
The cost of the service provided varies depending on a
Each investment option incurs transaction costs which
number of factors, including the complexity of the advice
differ for each option. These may be incurred directly by
sought, and the cost for some scaled personal advice may
the Fund or through an interposed vehicle. They may be
be partially included in the administration fees and costs
paid directly out of the Fund or out of an interposed vehicle
you pay.
which may indirectly reduce the return on an investment.
These typically include: These fees are additional to the fees stated in this PDS.
brokerage
You can learn more about UniSuper Advice by referring to
stamp duty
the Financial Services Guide - Personal Advice and Financial
settlement costs (including custody costs)
Services Guide - General Advice, available
clearing costs, and
at unisuper.com.au/financial-advice/types-of-advice or
buy-sell spreads.
by calling us.
OPERATIONAL RISK FINANCIAL REQUIREMENT If you’re a DBD member, we can only deduct advice fees
from your accumulation component.
Australian super funds are required to have an Operational
Risk Financial Requirement (ORFR) target and strategy.
FEES FOR OTHER FINANCIAL ADVICE
This is required by the Australian Prudential Regulation
Authority (APRA) and is intended to ensure super funds Where you receive personal financial advice in relation to
have access to financial resources for losses, costs and your UniSuper account(s) from a financial adviser outside
expenses that may be incurred in the event of an of UniSuper, you can ask us to pay for this advice from your
operational risk. account balance. Your adviser must be registered with
UniSuper for this to occur and we must be satisfied that
The financial resources are held in the Operational Risk
the fee requested is appropriate. You can ask your financial
Reserve (ORR). This is funded out of investment related
adviser about whether this option is available to you.
charges which are included in the investment fees and
costs for each option. This component of the ORR is
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UNISUPER.COM.AU
INSURANCE PREMIUMS Defined fees
The Insurance in your super document at
unisuper.com.au/pds has information on the premiums This section defines the different fees and costs that are
associated with your insurance cover. Applicable insurance able to be legally charged to your UniSuper account. Not
premiums are deducted from your account each month. A all charges apply to your UniSuper account.
fee for administrating the insurance agreement is included
in the premium cost. This administration fee is paid to the ACTIVITY FEES
Trustee.
A fee is an activity fee if:
a) the fee relates to costs incurred by UniSuper’s Trustee
EXCLUDED TRANSACTIONAL AND OPERATIONAL
that are directly related to a Trustee activity:
COSTS
i) that is engaged in at the request, or with the
The following transactional and operational costs are consent, of a member; or
excluded from the investment fees and costs: ii) that relates to a member and is required by law;
borrowing costs and
property operating costs b) those costs are not otherwise charged as an
implicit transaction costs and market impact costs other administration fee, an investment fee, a buy-sell spread,
than in relation to certain derivative financial products. a switching fee, an exit fee, an advice fee or an
insurance fee.
TAX
The only activity fees charged by UniSuper are the bank fees
See the PDS and the How super works document for incurred as a result of activities directed by you (such as making
information on the tax applicable to your account. We’ll benefit payments to a different country).
provide you with a 15% rebate for administration fees and
insurance premiums paid where a tax deduction is available ADMINISTRATION FEES
to the Fund. This means for every $100 in fees and
An administration fee is a fee that relates to the
premiums deducted from your account, we provide you
administration or operation of UniSuper and includes costs
with a $15 rebate to reduce these costs. The rebates for
incurred by UniSuper’s Trustee that:
administration fees and external insurance premiums are
relate to the administration or operation of UniSuper;
credited to your account on a monthly basis.
and
are not otherwise charged as an investment fee, a
GST AND STAMP DUTY
buy-sell spread, a switching fee, an activity fee, an advice
Fees and costs may include GST and stamp duty where fee or an insurance fee.
applicable. The amount of GST payable may be reduced
UniSuper’s administration fees and costs for Accumulation 1
in certain circumstances as a result of tax credits available
and Personal Account members is the lesser of $96 or 2% of
to the Fund.
your account balance each year.
BANK FEES
ADVICE FEES
The Trustee reserves the right to recover any bank fees
A fee is an advice fee if:
incurred on a cost recovery basis.
the fee relates directly to costs incurred by UniSuper’s
Trustee because of the provision of financial product
ALTERATIONS TO FEES
advice to a member by:
Fees and costs are generally reviewed annually and may UniSuper’s Trustee; or
change without your consent. We reserve the right to another person acting as an employee of, or under an
introduce a new fee or cost and/or change any fees or arrangement with, UniSuper’s Trustee; and
costs. We’ll give you 30 days’ written notice before a new those costs are not otherwise charged as an
or increased fee that we charge directly takes effect. This administration fee, an investment fee, a switching fee,
prior notice is not required where there is an increase an exit fee, an activity fee or an insurance fee.
attributable to the Trustee’s costs in managing your
You’ll only be charged an advice fee if you agree to receive
investments. We’ll notify you about changes to costs as
personal financial advice from UniSuper Advice or a financial
required by law.
adviser registered with UniSuper. These fees will be discussed
and agreed with you.
Fees and costs 9
BUY-SELL SPREADS
A buy-sell spread is a fee to recover transaction costs
incurred by UniSuper’s Trustee in relation to the sale and
purchase of UniSuper assets.
Buy-sell spreads do not currently apply to your UniSuper
account.
EXIT FEES
An exit fee is a fee, other than a buy-sell spread, that relates
to the disposal of all or part of a member’s interests in
UniSuper.
UniSuper does not charge exit fees.
INDIRECT COSTS RATIO
The indirect cost ratio (ICR), for a MySuper product or an
investment option offered by UniSuper, is the ratio of the
total of the indirect costs for the MySuper product or
investment option, to the total average net assets of
UniSuper attributed to the MySuper product or investment
option.
An ICR does not apply to your UniSuper account.
INVESTMENT FEES
An investment fee is a fee that relates to the investment
of UniSuper’s assets and includes:
fees in payment for the exercise of care and expertise in
the investment of those assets (including performance
fees); and
costs incurred by UniSuper’s Trustee that:
- relate to the investment of UniSuper’s assets; and
- are not otherwise charged as an administration fee, a
buy-sell spread, a switching fee, an exit fee, an activity
fee, an advice fee or an insurance fee.
Investment fees and costs are deducted indirectly from your
UniSuper account. A breakdown of these fees to 30 June 2024,
for each investment option, is provided within this section.
SWITCHING FEES
A switching fee is a fee to recover the costs of switching
all or part of a member’s interest in UniSuper from one
class of beneficial interest in UniSuper to another.
UniSuper does not charge switching fees.
TRANSACTION COSTS
Transaction costs are costs associated with the sale and
purchase of UniSuper’s assets other than costs that are
recovered by UniSuper charging buy-sell spreads.
Transaction costs are deducted indirectly from your UniSuper
account. A breakdown of these fees to 30 June 2024, for each
investment option, is provided within this section ‘Fees and
other costs’.
CONTACT US
1800 331 685
+61 3 88317901
WEBSITE
unisuper.com.au
UNISUPER ADVICE
1800 823 842
+61 3 8831 7916
ADDRESS
UniSuper
Level 1, 385 Bourke Street
Melbourne Vic 3000
Australia
Printed on environmentally responsible paper.
UNISIBR0003 0325
