_{1 Subject to an initial three-year waiting period after commencing your AGILE investment. Lifetime income payments will automatically commence when you reach 100 years of age.}

_{2 Withdrawals made in the first 10 years may be subject to a Market Value Adjustment. Withdrawals may also reduce your lifetime income payments if they have started.}

_{3 Each protected investment option allows you to benefit from equity market growth up to a Maximum Return applicable to that option, while eliminating or reducing losses resulting from market falls. During the Growth Phase you can allocate across the four market-linked protected investment options. During the Lifetime Income Phase, your investment is allocated to the Australian Equity Index – Total Protection option.}

_{4 For investors who select the Age Pension+ Option, investors may no longer have full access to the Investment Value on death. Access will be limited to the amount prescribed under the social security Capital Access Schedule.}