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The Product Disclosure Statement (PDS) for the Individual section of the Mercer SmartSuper Plan is issued by Mercer Superannuation (Australia) Limited (MSAL) ABN 79 004 717 533, Australian Financial Services Licence #235906 as trustee of the Mercer Super Trust ABN 19 905 422 981. ‘MERCER’ is an Australian-registered trade mark of Mercer (Australia) Pty Ltd (Mercer) ABN 32 005 315 917. Mercer is not responsible for the issue of this PDS nor does it make any recommendations regarding the Individual section of the Mercer SmartSuper Plan or guarantee the investment performance, earnings, or the return of any capital invested in it. MSAL is a wholly owned subsidiary of Mercer.