Existing AXA Investors:

Download and complete the Nomination Form to receive up to 100% rebate or cancellation of future entry fees and up to 50% of any trailing commissions that are currently being paid to a financial advisor or being kept by the product issuer.
Trailing commissions paid by financial institutions generally range from 0.20-0.60% p.a. These commissions are generally paid for out of the management fees levied against your investment are not an additional charge to you.

New AXA Investors:

Rebate Financial Services will rebate 100% of all upfront commissions, where an ongoing commission is payable, when you invest in AXA, or any other financial product, using Rebate Financial Services as your nominated adviser. This means you will have more of your investment dollar working for you right from the start. 

Many investment products have entry fees of around 5%, this upfront saving has the potential to significantly increase your returns over the life of the investment.  Where AXA pays an upfront commission directly to Rebate Financial Services, we can directly credit your nominated bank account or send you a cheque, once the commission has been received. 

Rebate Financial Services will also rebate 50% of the ongoing commission payable on your investment where we receive in excess of $20 per month, per fund manager.

About AXA

With over A$75 billion funds under management, AXA is a leading provider of wealth management and financial protection
products and services through brands including Australian Casualty & Life, ipac and Summit.

Building relationships of trust

AXA Australia has now been helping Australians provide for their financial future for over
100 years. AXA Australia is a member of the Global AXA Group, one of the largest financial services groups in the world with an enviable track record in meeting the superannuation, investment and insurance needs of more than 65 million customers worldwide and as at 30 June 08, the AXA Group had in excess of A$1.6 trillion funds under management. That makes AXA a winning combination of global strength and local knowledge - working for you.

AXA Products:

Investments

Generations Investment Portfolio provides you with a single access point to a wide range of investment options that allow you to diversify your investments while AXA takes care of all the administration for you.

Generations Investment Portfolio is administered by Summit - an award winning portfolio administration service operated by AXA Australia since 1992.

Key benefits:

* Access to some of the world's leading investment managers.
* Choose from a select range of specialist investment managers or access AXA's              range of multi-manager options.
* By leveraging the size and strength of the Global AXA Group, Generations                    Investment Portfolio aims to reduce the costs of investing.
* Generations Investment Portfolio fees are designed to be simple, fair and             competitive ensuring more of your money is working for you.
* Access to a range of quality investment options from the major asset classes           with the simplicity and convenience of consolidated reporting and online access.
* The investment information to complete your tax return is provided for you in              a simple and concise tax report.
* With access to AXA's website you are provided with information such as your            current balance, portfolio valuations, asset allocations and recent transaction            history.
* A regular savings plan to help you build your wealth.
* An auto-rebalancing feature to help you manage your investment strategy.          * With access to AXA's website you are provided with information such as your                balance, portfolio valuations, asset allocations and recent transaction history.
* A regular savings plan to help you build your wealth.
* An auto-rebalancing feature to help you manage your investment strategy.

Australian Monthly Income Fund

On 18 December 2008 AXA announced the introduction of new withdrawal arrangements for its Australian Monthly Income Fund (AMIF). Under these new arrangements AXA will notify unit holders of quarterly Withdrawal Offers.  Income distributions from AMIF will continue to be paid monthly.

Australian Property Fund

In August 2008 AXA announced that withdrawal timeframes for AXA’s Wholesale Australian Property Fund (WAPF) would be extended from daily to a period of six months and that they were evaluating a proposal to list WAPF on the Australian Securities Exchange (ASX). As the Australian Property Fund (APF) invests predominantly in WAPF, withdrawal timeframes for APF were also extended from daily to a period of six months. In October 2008, AXA advised that following unprecedented volatility
in the market that the proposed listing of WAPF would not proceed prior to the end of the year.

Since that time capital and investment markets worldwide have continued to experience
volatility. Australian listed property trusts unit prices have fallen significantly; the S&P/ASX 300 Property Trust Accumulation Index fell by 26.4 per cent from 19 August to 27 November 2008.  Listed property trusts generally are trading at large discounts to the stated value of their underlying assets.

Throughout this period AXA has been assessing a range of other potential options such as the sale of some of the properties within WAPF. These options have been assessed taking into account their likely impact on unit holders. The evaluation process has also included obtaining up-to-date independent valuations of the properties in WAPF.

Importantly, income distributions from APF and WAPF have continued during this process and will continue to be paid quarterly.

Given the current environment and difficult investment markets AXA does not believe that APF will be in a position to realise its investments at the optimal value for APF clients in the short term (within the next 12 months). As a consequence the fund will introduce a new withdrawal regime. Going forward AXA will notify clients of any withdrawal offers. Withdrawal requests already received by AXA cannot be processed and WAPF remains closed to new applications.

APF continues to be actively managed in line with its stated objective to provide quarterly income with some capital growth over the medium to long term.

APF continues to invest predominantly in WAPF which will maintain its investments in a diversified portfolio of retail, office and industrial properties (located predominantly in Australia with some exposure to New Zealand), a portfolio of listed property securities and cash.

As AXA’s Australian Property Fund (APF) invests predominantly in WAPF, the circumstances surrounding WAPF affect APF.

Cash Management Trust

Overview:  The Cash Management Trust (the Fund) invests in short-term money market type securities which include government guaranteed and bank backed securities, and promissory notes issued by "blue chip" corporations.

This fund aims to provide a secure investment which combines attractive short term income returns and ready access to funds.

This Fund is suited to investors who seek :
* a low risk and capital secure investment
* attractive short term income returns
* no entry or exit fees
* ready access to funds
* the availability of a Regular Savings Plan

Superannuation

In 2007 the Federal Government made legislative changes to the Australian superannuation system.  These changes were aimed at simplifying and streamlining our superannuation system. In particular, they sought to resolve some tax complexities, enhance retirement incomes and give greater flexibility
to your superannuation.

Generations Personal Super is a simple way to save for your retirement.  It provides you with a single access point to a range of investment options that allow you to diversify your superannuation investments while AXA take care of all the administration for you.

Generations Personal Super is administered by Summit - an award winning portfolio administration service operated by AXA Australia since 1992.

Key benefits

* Access to some of the world's leading investment managers.
* Choose from a select range of specialist investment managers or access our            range of multi-manager options.
* By leveraging the size and strength of the Global AXA Group, Generations            Personal Super aims to reduce the costs of investing.
* Generations Personal Super fees are designed to be simple, fair and                    competitive ensuring more of your money is working for you.
* For many investors, superannuation continues to provide the most tax-effective            investment opportunity available.
* Generations Personal Super gives you access to a complying superannuation            fund ensuring your investments are tax-effective.
* Access to a range of quality investment options from the major asset classes           with the simplicity and convenience of consolidated reporting and online access.
* AXA's website provides you with information such as your current balance            portfolio valuations, asset allocations and recent transaction history.
* Regular savings plan to help you build your retirement benefit.
* Access to insurance for death, permanent and temporary disability.
* As well as providing you and your family with financial security, obtaining            insurance through Generations Personal Super may be tax-effective.

Generations Personal Pension is designed to provide you with an income in retirement in a simple and easy to understand package. You can transfer seamlessly from Generations Personal Super to the Generations Personal Pension without incurring any CGT expenses and selling costs. You can even maintain the same investment
options you selected with Generations Personal Super.

Generations Investment Portfolio provides a simple and convenient way to generate wealth outside the superannuation environment. Like Generations Personal Super, Generations Investment Portfolio provides you with a single access point for a range of investment options to help you grow or manage your wealth.

Super Directions Personal Super Plan

The Super Directions Fund is a flexible superannuation fund that allows you to make tax-effective savings provision for your retirement. The Super Directions Personal Super Plan operates under the Super Directions Fund (‘the Fund’).

You can adjust your contributions and investment strategy as your lifestyle or circumstances change. You can choose from a wide selection of investment portfolios managed by leading investment managers and you can switch between portfolios as you wish.

Super Directions Personal Super Plan is ideal if you are self employed, have a fluctuating income, change jobs frequently, or need to supplement your existing superannuation to adequately provide for retirement. Directions Personal Super Plan Product Disclosure Statement with an attached application form.
The Product Disclosure Statement (PDS) should be read fully so you can determine whether this product suits your needs and objectives. You should also refer to the PDS for the charges associated with the Personal Super Plan.

Super Directions Personal Super Plan also offers a number of insurance cover options including Life cover, Total and Permanent Disablement cover and Income Protection cover.

AXcess self-managed super

It’s the era of choice, and more Australians are choosing to take greater control of their superannuation savings. One way can be by setting up and managing their own superannuation fund.

Through the global resources offered by AXA, setting up and operating your own fund can be straight-forward, cost-effective and a powerful means of taking control of your superannuation destiny. AXA can provide you with a super option for life through our AXcess self-managed super service.

AXcess self-managed super - your one-stop self-managed super shop.  Operating your own super fund can be demanding, but with AXcess self-managed super, most of the hard work is taken care of.

Through a single contact point, AXcess self-managed super provides a comprehensive and cost-effective administration service that includes:

* Daily administration
* Flexible, high quality reporting
* Compliance assistance
* Range of pension options
* Choice of investments
* Leading insurance product

Retirement

Retirement is a time in your life when you no longer have a regular income from employment and you have to rely on your savings, the Age Pension and/or returns from your investments to cover day to day living expenses.        

AXA offers two allocated pension plans designed to provide you with regular income during your retirement years. These are:

* Allocated pensions; and
* Non-commutable allocated pensions.

Each product has independent features and benefits.

Allocated Pension provides you with a flexible and tax effective way to generate regular income payments in retirement, while retaining the ability to make lump sum withdrawals at any time (within product limits).

Key benefits

* You can closely manage your finances in retirement
* The term of the pension is determined by your account balance, level of income            payments and investment performance.

AXA’s allocated pension products consist of:

* Summit Personal Pension Plan, and
* Generations Personal Pension Plan.

Features common to both allocated pension products:

* Both products can be purchased at any age, however, the plans provide a            non-commutable allocated pension option which can be purchased with                       preserved benefits after age 55.
* You must invest with superannuation benefits (ie unrestricted non-preserved            benefits). You cannot contribute personal savings. The only exception is the             non-commutable pension option in the Summit and Generations plans.                        Non-commutable pensions can only be purchased with preserved benefits after             age 55.
* The minimum initial investment is $20,000
* Both funds have a market linked balance
* Both funds have investment risk as they are linked to the performance of your              chosen investments.
* No additional deposits can be made
* The pension term ceases when the account balance reaches zero.
* You can choose monthly, quarterly, half-yearly, or yearly income payments.
* There is no specific term for either of the allocated pension products; the             product ceases when your account balance reaches zero.
* Your pension may be eligible for favourable income test treatment, depending            on your circumstances.
* There any potential tax benefits if you’re over 60 pension payments (and lump            sum withdrawals) are tax-free. If you’re aged 55 to 59, a tax offset may be            available on the taxable portion of your income payments.

Business superannuation

Superannuation is a savings mechanism that can:

* help provide you with a financially comfortable and secure retirement
* assist you with long-term savings
* enable you to take advantage of favourable tax treatments
* provide insurance cover offered through your plan.

AXA's Super Directions for Business is designed to meet the superannuation needs of businesses and their employees.  It is a flexible, tax effective way to save for retirement.

Super Directions for Business has been given the highest rating possible by independent ratings company Selecting Super. The AAA rating equates to being viewed as an ‘exceptional quality super fund’.

Simple Super and Tailored Super are no longer available to new employers. These products remain open to new members of existing schemes.

Disclaimer: Information provided by Rebate Financial Services on this fund manager and its products is either factual or concerns observations of investor behaviour. This information is not intended to be, and should not be considered to be commendations or advice. If you require advice please contact your financial advisor, r contact Rebate Financial Services for a referal to one.