The Salary Sacrifice Calculator is provided by Virgin Money Financial Services Pty Ltd (ABN 51 113 285 395) ("VMFS") under
licence by DaNiro Solutions Pty Ltd as trustee for DaNiro Solutions Unit Trust (ABN 96 321 350 816) ("Daniro"). This calculator is based
on DaNiro's current understanding of Australian tax and superannuation laws as at 1 July 2024. The assumptions contained in, and the results obtained
from, this calculator are believed to be accurate and are made in good faith. However, to the extent permitted by law, VMFS and DaNiro disclaim
all liability to any person in respect of anything done or omitted to be done, and the consequences of such action or omission,
by any such person in reliance upon any part of the information obtained by using this calculator.
Please consider your personal position, objectives, and requirements before taking any action. This calculator is intended to provide illustrative
examples based on stated assumptions and your inputs. This calculator is not intended to be your sole source of information when making
a financial decision. You may wish to consider getting advice from a licensed finance professional including a decision in relation to a particular
product, fund or strategy. Actual outcomes will depend on a range of factors outside the control of VMFS. VMFS and its employees expressly disclaims all
liability and responsibility to any person who relies, or partially relies, upon anyting done or omitted to be done by this service. Further tax may be
payable if you have not provided your TFN to the fund or your contributions for the year exceed the contribution caps. Further tax may also be payable
upon payment of a superannuation benefit.
This calculator is not intended to be used as a substitute for professional financial advice on Salary Sacrifice options and does not constitute a
recommendation or statement of opinion about superannuation and should not be relied upon for the purpose or making a decision in relation
to a superannuation product. It does not replace personal financial advice. For this reason, you should not make any decision on the information
provided without first seeking advice from a financial services licensee.
This information is of a general nature only and does not take into account your personal financial situation, needs or objectives. As we don't
know your financial needs we can't advise if Virgin Money Super will suit you. Please consider the
Product Disclosure Statement,
Product Guide,
Insurance Guide
and Financial Services Guide
before making a decision about the product. For further information about the insurance options refer to the Insurance Guide.
Prepared by Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869. Virgin Money Super is a plan in the Mercer Super Trust
ABN 19 905 422 981. Virgin Money Super is issued by Mercer Superannuation (Australia) Limited (MSAL) ABN 79 004 533 AFSL
235906 as trustee of the Mercer Super Trust. For more information about Virgin Money Super, please refer to the PDS which is available free of
charge on our website or by calling the Customer Care team on 1300 652 770.