Education Savings Plan

Capital Secure Balanced Diversified High Growth

Returns with Education Tax Benefit Return from inception to 31/01/15

3.35% p.a.^ 4.45% p.a.^ 4.24% p.a.^ 4.86% p.a.^ Past performance as at 31/01/15

3 months 0.38 %^ 3 months 4.63 %^ 3 months 5.29 %^ 3 months 6.11 %^ 1 year 1.41 %^ 1 year 10.11 %^ 1 year 12.35 %^ 1 year 12.94 %^ 2 years 1.38 % p.a.^ 2 years 9.86 % p.a.^ 2 years 13.04 % p.a.^ 2 years 15.81 % p.a.^ High Growth Capital3 years Secure 1.78 % p.a.^Balanced3 years 8.95 % p.a.^ Diversiﬁed3 years 12.59 % p.a.^ 3 years 15.31 % p.a.^ 5 years 2.56 % p.a.^ 5 years 5.76 % p.a.^ 5 years 7.60 % p.a.^ 5 years 8.69 % p.a.^ Inception date: 31 Jan 2005 Inception date: 31 Dec 2005

Asset Allocation as at 31 January 2015

Global Property Global Property Global Infrastructure Global Property

Global Cash Global Cash Global Property Global Cash

Global Fixed Interest Global Fixed Interest Global Cash Global Fixed Interest

Global Shares Global Shares Global Fixed Interest Global Shares

Australian Property Australian Property Global Shares Australian Property

Australian Fixed Interest & Cash Australian Fixed Interest & Cash Australian Property Australian Fixed Interest & Cash

Australian Listed Shares Australian Listed Shares Australian Fixed Interest & Cash Australian Listed Shares

Australian Listed Shares Australian Listed Shares Australian Fixed Interest & Cash Australian Property Global Shares Global Fixed Interest Global Cash Global Property Global Infrastructure

Top 10 Investment Holdings as at 31 January 2015 % of option % of option % of option % of option Westpac Banking Corp NCD 6.94 Australian Index Linked 1.0 2.91 Commonwealth Bank of 3.69 Commonwealth Bank of 4.75 09/06/2015 21/11/2018 - I/L Australia Australia Australia & New Zealand Bank 5.87 Commonwealth Bank of 2.51 Westpac Banking 2.98 Westpac Banking 3.85 NCD 23/07/2015 Australia Corporation Corporation MEB 31 Day Bank Deposits 5.09 Westpac Banking 2.03 National Australia Bank 2.75 National Australia Bank 3.54 Corporation Limited Limited Westpac Banking Corp NCD 4.24 National Australia Bank 1.87 ANZ Banking Group Limited 2.56 ANZ Banking Group Limited 3.30 03/06/2015 Limited Resi Avoca_20 A1 FRN 2.77 ANZ Banking Group Limited 1.74 Telstra Corp Limited 2.09 Telstra Corp Limited 2.68 11/11/2045 Progress 2014 Asset Backed 2.61 Treasury Corporation of 1.47 Australian Index Linked 1.0 2.08 CSL Limited 1.91 FRN 22/07/2045 Victoria 6 17/10/2022 21/11/2018 - I/L Australia & New Zealand Bank 2.54 ID 15/12/2022 C/P Westpac 1.47 CSL Limited 1.48 Wesfarmers Limited 1.90 NCD 6/07/2015 Rec FIxed Pay AUD -CPI Westpac Banking Corp NCD 2.35 CD 20/12/2019 CCP Morgan 1.42 Wesfarmers Limited 1.47 Unilever PLC 1.58 4/06/2015 Stanley U/L CDX - Buy Suncorp Metway Ltd NCD 1.97 CC 20/06/2018 - C/P BNP 1.42 CC 20/06/2018 - C/P BNP 1.43 Henkel Ag & Co Kaga 1.57 15/04/2015 Paribus U/L CDX.NA.HY.20. Paribus U/L CDX.NA.HY.20. V1 - Sell V1 - Sell National Australia Bank NCD 1.96 Telstra Corp Limited 1.41 CD 20/12/2019 CCP 1.37 BHP Billiton Limited 1.43 29/06/2015 Morgan Stanley U/L CDX - Buy Investment Holding classifications as at31/10/14 : Purple = Australian Cash Black = Fixed Interest Securities Green = Australian Equities

The Education Savings Plan (the Plan) is issued by Lifeplan Australia Friendly Society Limited ABN 78 087 649 492 AFSL 237989 (Lifeplan) and was marketed and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (the Bank). The Bank does not guarantee or in any way stand behind the Plan. The information in this document is not based upon the financial objectives, situation or needs of any particular investor. The Plan is closed to new investors. Existing investors can continue to make additional contributions to existing plans. Asset allocations and specific investment holdings may vary on a daily basis. ^ Returns are based on the movement in unit prices during the periods listed above. Returns are net of taxes, fees and charges and investing transaction cost. The Returns are inclusive of the Education Tax Benefit, which is only available for genuine education expenses. Returns for periods greater than one year are annualised. Past performance is not indicative of future performance.

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