The Cleardocs SMSF Deed has been updated as part of Cleardocs' ongoing commitment to providing a plain English and up to date deed. The two main changes are as follows:

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• General provisions have been included in anticipation of the superannuation contributions-splitting legislation outlined above.

  As outlined above, the current form of the regulations means contributions-splitting requests could not be processed until 1 July 2006 and requests in respect of contributions made between 1 January 2006 and 30 June 2006 could be made up until 30 June 2007.

• Payment provisions in relation to the Transition to Retirement pensions have been included.

  This means that there are now specific provisions pursuant to which any of the pensions available to a member may be paid as a transition to retirement pension.

The Product Disclosure Statement has been updated in accordance with the above changes and to provide updated information on the abolition of the superannuation surcharge on high income-earners.