CMA Important Information

Investments in the BWA Cash Management Account (referred to in the PIS as 'the account') are offered by Bank of Western Australia (Bankwest) ABN 22 050 494 454 AFSL 236872. Bankwest has appointed Colonial First State Investments Limited (CFSIL) ABN 98 002 348 352 AFSL 232468 as the administrator and distributor in relation to this product. Bankwest or its licensed related entities, including CFSIL are referred to in the PIS as 'Bankwest', 'we', 'our' or 'us'.

BWA Managed Investments may deduct User Pays Fees from your CMA account by redeeming sufficient funds from your account.

Please note effective 20th February 2012, BWA Managed Investments will reduce the dishonour fee, currently charged at $15 per transaction tp $10 per transaction.

BWA Managed Investments may pay to approved distributors a commission for the referral of business to the CMA. This commission is paid by BWA Managed Investments.

For further information of remuneration paid to advisers, please refer to page 5 - Additional explanation of fees and costs in the Product Information Statement.

Bankwest is a subsidiary of the Commonwealth Bank of Australia ('the Bank') ABN 48 123 123 124.

The Financial Claims Scheme

The Financial Claims Scheme under the Banking Act 1959 applies to this deposit account. The Financial Claims scheme is free and automatically covers the total aggregated balance of all your deposit accounts (including your separate equal share in any joint deposit account) with an Authorised Deposit Institution (“Bank”) up to and including $1m.

The Government has recently announced that a new cap of $250,000 will apply from 1 February 2012. Information about the Financial Claims Scheme can be obtained from the APRA website at www.apra.gov.au and the APRA hotline on 1300 13 10 60.

You can contact BWA Managed Investments on:

	BWA Managed Investments GPO Box 2515 Perth WA 6001
	Phone: Calling the BWA Managed Investments Service Centre on 1300 663 117
	Fax: 1300 853 628
	Email: Click here to send us an email

CMT Important Information

As the responsible entity of the BWA Cash Management Trust, Colonial First State Investments Limited receives remuneration by way of the Management Cost (MC) based on a fixed rate of 0.60% per annum for the retail unit classes within the CMT.

BWA Managed Investments may also deduct User Pays Fees from your CMT account by redeeming a sufficient number of your units.

BWA Managed Investments then may pay to approved distributors a commission for the referral of business to the CMT. This Commission is paid from the MC received by BWA Managed Investments.

Please note effective 20th February 2012, BWA Managed Investments will reduce the dishonour fee, currently charged at $15 per transaction tp $10 per transaction.

For further information of remuneration paid to advisers, please refer to page 8 - Fees and other costs in the Product Disclosure Statement.

Directors and employees receive salaries and wages (paid fortnightly).

In addition, monies invested in the BWA Cash Management Trust are held on deposit with the Bank of Western Australia Limited.