Crediting Rates

Financial Year Ended

       Crediting

        Rate (%)

      Fund Net

   Earning Rate

          (%)

30 June 2009

         -6.5

        -8.21

30 June 2008

       -10.5

      -13.3

30 June 2007

        16.5

       17.10

30 June 2006

        14.0

       13.72

30 June 2005

        11.0

       12.25

Average*

         4.29%

         3.54%

* “Average” is the compound average of the net earning rates and crediting rates over the most recent 5 years (per annum).  Past performance is not a reliable indicator of future performance.  Future performance depends on various factors including the experience of the investment markets or underlying managers used from time to time.  Current assets allocations or managers may be different to past allocations and managers.