Superannuation Product Disclosure Statements

Following the merger of Australian Wealth Management Limited (the parent entity of SMF Fund Management Limited) with IOOF Holdings Limited on 12 May 2009, the merged entity has made the decision to operate its Superannuation Administration arm (amongst other operations) under the name IOOF Investment Management Limited.

As a result the following changes are to be made to the Bendigo Superannuation Plan Product Disclosure Statement (PDS) dated 28 July 2008 and the Bendigo Super Easy® Superannuation Plan PDS dated 14 July 2008:

• References to "SMF Funds Management Limited (SMF or the Administrator) ABN 23 009 564 354" should now be read as "IOOF Investment Management Limited (IOOF or the Administrator) ABN 53 006 695 021"
  
• Any reference to "SMF Funds Management Limited" should now be read as "IOOF Investment Management Limited"
  
• Any reference to "SMF" should now be read as "IOOF", with the exception of references to "SMF Master Pooled Superannuation Trust" and "SMF Master PST", which remain unchanged
  
• Any reference to "Australian Wealth Management Limited" and "AWM" should now be read as "IOOF Investment Holdings Limited"
  

We do not expect this merger and change of name to affect our customers.

Following the merger of our parent entity Bendigo Bank Limited with Adelaide Bank Limited during November 2007, the merged company has voted to change its name to Bendigo and Adelaide Bank Limited. The name change will take effect from Monday 31 March 2008.

As a result of the change in name, the following changes are to be made to the Product Disclosure Statements issued by Sandhurst Trustees Limited -

• Any reference to "Bendigo Bank Limited" should now be read as "Bendigo and Adelaide Bank Limited".
  
• Any reference to "Bendigo Bank Group" should now be read as "Bendigo and Adelaide Bank Group".
  
• Any reference to a "Bendigo Bank branch" or "branch of the Bendigo Bank" is a reference to a Bendigo and Adelaide Bank Limited branch using the Bendigo Bank name, logo and system of operations.
  

We do not expect this merger to affect our customers. If you would like further information on the merger, please refer to the Bendigo Bank website.