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SEAFARERS RETIREMENT FUND
INVESTMENT STATEMENT
February 2012
Seafarers Retirement Fund – Investment Statement
IMPORTANT INFORMATION
(The information in this section is required under the Securities Act 1978)
Investment decisions are very important. They often have long-term consequences. Read all
documents carefully. Ask questions. Seek advice before committing yourself.
Choosing an investment

When deciding whether to invest, consider carefully the answers to the following questions
that can be found on the pages noted below:
Page
Who is involved in providing it for me? Who do I contact with enquiries about my investment? Is there anyone to whom I can complain if I have problems with the investment? What other information can I obtain about this investment?
In addition to the information in this document, important information can be found in the
current registered prospectus for the investment. You are entitled to a copy of that
prospectus on request.
The Financial Markets Authority regulates conduct in financial markets
The Financial Markets Authority regulates conduct in New Zealand financial markets. The Financial Markets Authority‘s main objective is to promote and facilitate the development of fair, efficient, and transparent financial markets. For more information about investing go to http:/www.fma.govt.nz Financial advisers can help you make investment decisions
Using a financial adviser cannot prevent you from losing money, but it should be able to help you make better investment decisions. Financial advisers are regulated by the Financial Markets Authority to varying levels, depending on the type of adviser and the nature of the services they provide. Some financial advisers are only allowed to provide advice on a limited range of products. When seeking or receiving financial advice, you should check: • they type of adviser you are dealing with the service the adviser can provide you with the products the adviser can advise you on. A financial adviser who provides you with personalised financial adviser services may be required to give you a disclosure statement covering these and other matters. You should ask your adviser about how he or she is paid and any conflicts of interest he or she may have. Financial advisers must have a complaints process in place and they, or the financial service provider they work for, must belong to a dispute resolution scheme if they provide services to retail clients. So if there is a dispute over an investment, you can ask someone independent to resolve it. Most financial advisers, or the financial service providers they work for, must be registered on the financial service providers register. You can search for information about registered financial service providers at http:/www.fspr.govt.nz. You can also complain to the Financial Markets Authority if you have concerns about the behaviour of a financial adviser. This is an investment statement for the purposes of the Securities Act 1978. Seafarers Retirement Fund – Investment Statement
CONTENTS
What sort of investment is this?
Who is involved in providing this for me?
How much do I pay?
What are the charges?
What returns will I get?
Retirement, Ill-Health & Resignation Benefit What are my risks?
Bankruptcy and incapacity to manage own affairs Can the investment be altered?
Becoming an Ordinary or Reduced Rate Member Changing the investment of the Fund’s assets How do I cash in my investment?
Who do I contact with enquiries about my investment?
Is there anyone to whom I can complain if I have a problem with the
investment?
What other information can I obtain about this investment?
Registered prospectus and financial statements Seafarers Retirement Fund – Investment Statement
CONTENTS
continued

Miscellaneous information
Attachments
Application Form for a Non- Subsidised Member Nomination of Designated Beneficiaries form Seafarers Retirement Fund – Investment Statement
What sort of investment is this?

The Seafarers Retirement Fund (the Fund) is an employee based defined contribution superannuation
scheme. Membership is for the benefit of employees and members of the Maritime Union of New
Zealand (the Union) to save for their retirement.
In this Investment Statement the term “employer” refers to the Union and any company or organisation
that has been accepted as a participating employer to participate in the Fund and in respect of a
member, means the member’s employer.
When you join the Union you will be requested to complete the application form attached to this
Investment Statement for admission to the Fund.
Who is involved in providing it for me?

The Fund is called the Seafarer Retirement Fund (the Fund). It is provided and promoted by the
Maritime Union of New Zealand.
The Fund (established in June 1972) is a registered superannuation scheme under the Superannuation
Schemes Act 1989 for the benefit of persons working in the seafaring industry.
The Trustees of the Fund are responsible for overseeing the Fund and looking after the interests of
members.

Trustees

appointed by the Employers’ Management
David Macintosh Scott of Wellington, Chairman All the Trustees can be contacted at: The Secretary to the Trustees Seafarers Retirement Fund C/- 87 Simla Crescent Khandallah, Wellington 6035
Promoters of the Fund

The Union and the executive Members of the Union who are not trustees, being:
Raymond Joseph Fife of Bluff
The promoters can be contacted through: New Zealand Seafarers’ Union 1st Floor, Waterside House 220 Willis Street Wellington
Administration Manager and Registrar
The day-to-day administration of the Fund is managed by Aon New Zealand. The administration
manager can be contacted at:
Level 2, AMP Centre 29 Customs Street West P O Box 3167, Auckland Further contact details of the Administration Manager are set out on page 8. For Non Subsidised Members
Seafarers Retirement Fund – Investment Statement
How much do I pay?

Regular contributions
You must contribute to the Fund a minimum percentage of 4% of your ‘gross earnings’ which include
overtime or any other special allowances or payments.
With the agreement of the Trustees, you can increase your contributions to the Fund above the
minimum percentage set out above.
Your contributions will be automatically deducted from your salary when this is paid to you. On or
before the 20th of each month your employer will forward your contributions to the Administration
Manager on behalf of the Trustees for investment in the Fund.
Lump-sum contributions

You may also make voluntary lump-sum contributions to the Fund. The minimum amount for lump-sum
contributions is $100 per payment. Lump-sum contributions can be made by contacting the Fund’s
Administration Manager at the above address.
As a non subsidised member, your employer will not make any contributions to the Fund on your behalf.
Your Member’s Account

When you join the Fund the following an account called your Member’s Account will be established for
you:
- what goes in.
• your regular and any lump sum contributions; • a portion of any money transferred into the Fund from another superannuation • a share of the administration fees of the Fund; • in years of poor investment performance the earnings applied to your account could be negative (refer Earnings rate on page 4); and • the fee for partial withdrawal from the Fund a fee is deducted from your
Transfers from other schemes

At the Trustees’ discretion, you may also transfer money into the Fund from another superannuation
scheme (or similar scheme). If you wish to transfer funds from another scheme you should contact the
Administration Manager for instructions (see page 8 for contact details).
Reserve Account
In addition to your Member’s Account, a Reserve Account is also set up in the Fund. Unclaimed
benefits will be paid into the Reserve Account. However, this only occurs when a benefit has not been
claimed within seven years of falling due for payment and the Trustees have taken reasonable steps to
trace the member or beneficiary entitled to the benefit.
The Reserve Account can be used at the Trustees’ discretion to:
pay members’ contributions on an equitable basis increase the retirement benefits of all members’ benefits on an equitable basis provide benefits other than retirement benefits for all members on an equitable basis make other payments as the Trustees consider appropriate, and For Non Subsidised Members
Seafarers Retirement Fund – Investment Statement
What are the charges?

Non subsidised members will directly pay a share of the Fund’s expenses and fees incurred during the
operation of the Fund. The share paid by each non subsidised member will be deducted from each
Member’s Account.
Type of Charge or Fee
Payable to
Currently Paid or Deducted From
Investment Management Investment Managers Various Service Providers, e.g. Reserve Account* auditors, solicitors, etc. *If, at the end of each Fund year there is insufficient in the Reserve Account, a share of the balance of
these fees and expenses will be deducted from each Member’s Account.

With the exception of secretarial services as described above, no fees are paid to any employer or any
associated person of any employer or to the Trustees, or any associated person of the Trustees.
Changes in fees and charges

The Administration Manager can increase its fees on 1 July each year in line with the increase in the
Consumer Price Index. Provided adequate notice is given, the Investment Managers can also increase
the fees or premiums they charge the Fund. If the Trustees are not satisfied at any stage that the
current or proposed fees are reasonable then they may look for alternative service providers.
Other expenses, e.g. professional fees, will be incurred, as necessary and the cost of these will vary
from year to year.
Although it is the current policy not to pay the Trustees any expenses from the Fund, under the terms of
the Trust Deed this policy could change in the future.
What returns will I get?

You will generally be paid a lump-sum benefit when you leave the Fund. The Trustees for the time
being are legally liable to pay benefits under the Trust Deed of the Fund. The Trustees who are
currently liable to pay the benefits are named on page 1. However, the Trustees do not guarantee the
returns or promise a particular rate of return on moneys you contribute to the Fund, nor can they state
the amount of return you will receive at the date of this Investment Statement.
The key factors that determine the amount of benefit you will receive are:

the amount you have contributed to the Fund, earnings applied to your accounts (net of taxes and investment management expenses), less the administration fees (if any) deducted from your account. For Non Subsidised Members
Seafarers Retirement Fund – Investment Statement
Earnings rate

The Trustees will determine the rate of earnings to be applied to your account as soon as practicable
after each 31 March. If you become entitled to a benefit part way through a year, an interim earnings
rate will be calculated and used to update your Member’s Account. If a benefit payment is based on the
interim earnings rate, it will not be adjusted later when the final rate for the year is declared.
The earnings rate will be determined after taking into account the investment earnings of the Fund over
the year, including any unrealised gains or losses due to the revaluation of assets, the tax liability of the
Fund for the year and the costs incurred in ascertaining the Fund’s investment earnings. Depending on
the circumstances, the earnings rate may be positive, nil or negative.
Neither the Trustees or the Union, nor any other party guarantees either the return of capital or the rate
of earnings.
Benefit entitlements

The benefits payable from the Fund is generally paid as a tax-free lump-sum payment. The benefits are
as follows.
Retirement, Ill-Health & Resignation Benefit

When you leave the industry you will receive a payment equal to the amount of your Member’s Account.
If you wish you may use all or part of your lump sum to purchase a pension from a life insurance
company.
If you continue working after attaining age 65, payment of your retirement benefit will be deferred until
your actual date of retirement.
Medical evidence may be required to support a claim for an ill-health benefit.
You will also be entitled to a lump sum benefit of your Member’s Account if you cease to be a member
of the Union for any other reason that, in the opinion of the Trustees, is not due in any manner to your
actions or conduct, e.g. on compassionate grounds.
At your request all or part of your benefit can be transferred to another superannuation scheme.
Partial Withdrawal Benefit

The purpose of the Fund is to provide benefits on a member’s retirement. However, the Trustees may,
at their discretion, allow you to withdraw part of your benefit while remaining a contributing member of
the Fund.
Currently, the maximum amount you can withdraw is 50% of the value of your resignation benefit (see
above) at the time of the withdrawal.
The following conditions currently apply to the Partial Withdrawal Benefit:

you must have completed 15 years’ membership of the Fund there is a minimum withdrawal amount of $5,000 at any one time a withdrawal can only be made once in any five-year period the Trustees must receive six month’s notice of your intention to make a withdrawal, and a fee of $100 will be charged for each partial withdrawal. Although these conditions are current at the time of your joining the Fund the Trustees may review them from time to time, and as a result change the conditions that will apply in the future. This could include, suspending any further partial withdrawal benefits from the Fund. If in the future you wish to make a partial withdrawal you should check with the Fund Administration Manager for an update on this benefit. For Non Subsidised Members
Seafarers Retirement Fund – Investment Statement
Death Benefit

If you should die while a member of the Fund the benefit will be a lump sum payment equal to the total
balance of your Member’s Account, i.e. your contributions together with earnings applied each year less
any partial withdrawal fees (see page 2 for further details of your Member’s Account).
The Trustees pay the death benefit to any one or more of your dependants or your personal
representative (i.e. the executor or administrator of your estate.
The Trustees also have the discretion to pay part of the benefit to one recipient and the balance to one
or more persons, e.g. your dependants and personal representative.
Property Relationship Act

The death benefit payable from the Fund forms part of a relationship property under the Property
(Relationships) Act 1976. Under this Act, a former spouse or partner may make a claim at any time up
to six months after a member’s death for all or a part of his or her relationship property, including the
death benefit payable from the Fund. It is therefore possible the Trustees could, in certain cases, deter
the payment of all or a part of a death benefit for up to six months so all eligible claimants are able to
notify the Trustees of their intention to make a claim in respect of a deceased member’s benefit.
Deferred payment of benefits

When you become entitled to a benefit because you have ceased service or retired, you may request
the Trustees to leave all or part of your benefit entitlement in the Fund. Each year the earnings rate will
be applied to any deferred benefit and final payment will be made when requested by you.
In the event of your death your dependants cannot leave any of their benefit entitlement in the Fund.
The Trustees may also defer payments of benefit for any period if it would be impracticable or unduly
interfere with the orderly administration of the Fund. The Trustees may also defer payment of benefits
to members or their dependants where it would be in the best interests of that member or dependant
provided the Trustees have that member or dependant’s consent. The Trustees may increase any
deferred benefit between the date the benefit fell due and the date of payment. However, any increase
cannot exceed an amount equivalent to the earnings rate for the period of deferment at the same rate
that would have applied had the benefit been paid on the date it originally fell due for payment.
Payment of benefits

On or about the 20th of each month the Administration Manager will process all authorised benefit
payments it has received from the Trustees. If the 20th of the month is not a business day, then benefit
payments will be processed on the nearest business day prior to the 20th.
Death benefits will not be paid until all supporting documents (e.g. death certificate) have been received
and sighted or assessed by the Trustees.
Taxes

Investment earnings

The tax paid by the Fund is taken into account when determining the investment earnings applied to
your Member’s Account.
Benefits

Because tax is paid by or on behalf of the Trustees on the investment income of the Fund, you should
not declare the investment return applied to your accounts if you are required to file a personal tax
return. Under current legislation, all benefits paid from the Fund are paid tax-free.
Note: The above reflects the current taxation position in respect of superannuation schemes at the time
this Investment Statement was prepared. It could, and probably will change between the date you join
the Fund and your retirement from the workforce.
For Non Subsidised Members
Seafarers Retirement Fund – Investment Statement

What are my risks?

The value of your Member’s Account may fluctuate depending on the investment returns achieved on
the investment of the Fund’s assets and your level of contributions.
All investments involve some degree of risk. The level of risk is generally determined by several factors
including fluctuating interest rates and inflation rates as well as movement in the various investment
markets such as shares and property. Generally, investors expect a higher return as the level of risk
increases and conversely, a lower return with a lower risk investment.
Your Member’s Account is invested in the Growth Investment Fund. This fund is designed to provide
‘real’ growth in the long term. Details of the current investment management arrangement of the Fund
are set in the current prospectus of the Fund a copy of which is available, on request, from the Trustees.
A member may not recover all his or her contributions when he or she becomes entitled to a benefit.
This may be because of the length of time that the member has been in the Fund, the performance of
the underlying assets of the Growth Investment Fund and/or the deduction of fees and taxes.
Unclaimed benefits

The Trustees are required to exercise reasonable care and diligence in tracing any member or
beneficiary who is entitled to a benefit from the Fund. However, if they are unsuccessful, any benefit
that has not been claimed within seven years of becoming due for payment shall be paid into the
Reserve Account. If the Trustees receive a claim for a benefit after seven years, the Trustees shall pay
the benefit from the Reserve Account.
Bankruptcy and incapacity to manage own affairs

The Trust Deed currently provides that if you become bankrupt then, to the maximum extent permitted
by law, your benefits will be forfeited to the Fund. Any forfeited benefit can then be applied at the
discretion of the Trustees for the support of you or your dependants.
You should be aware that the law might not allow this provision of the Trust Deed to be applied
effectively in all cases. The Trustees will endeavour to apply it to the extent that the law allows.
However, you should not expect that your benefits would be protected in the event of your bankruptcy.
If in the opinion of the Trustees you are unable to manage your own affairs, the Trustees may
administer any benefits you may be entitled to on your behalf.
For Non Subsidised Members
Seafarers Retirement Fund – Investment Statement
Insolvency of the Fund

In the unlikely event that the Fund was declared insolvent (its liabilities exceed its assets), you would
not have to pay any money to the Fund or to any person who may be owed money from the Fund.
In the event of the Fund being wound up, any costs and expenses associated with the winding up of the
Fund would be paid first. Next any benefits due but not paid would be paid. Finally, the members
remaining in the Fund at the wind up date would be paid their benefits. Further details about winding up
the Fund can be found on the next page.
The Trustees are not aware of any claim on the assets of the Fund that it would be reasonable to expect
them to foresee, given the nature of the Fund, would or may rank equally with the claims of the
members in the event of the Fund being wound up.
Can the investment be altered?

Amendment to the Trust Deed

The Trustees may, with the consent of the Union and the Employers’ Management Committee, amend
the Trust Deed of the Fund from time to time. This power to amend is restricted. Your prior written
consent would be required before any amendment to the Trust Deed can be made which would:

reduce or adversely affect your benefits that may flow from or are attributable to your membership up to the date of the amendment, remove any right of a member to participate in the management of the Fund, increase your contributions or any fees or charges that may be payable by you, or provide for assets of the Fund to revert to an employer to any greater extent than already provided for in the Trust Deed.
This reflects the provisions of the Superannuation Schemes Act 1989, section 9, which provides
statutory protection for members against adverse amendments to superannuation scheme trust deeds.
Increasing your contributions

As explained earlier, you can, with the agreement of the Trustees, increase your contribution above the
rate set out on page 2.
Becoming an Ordinary or Reduced Rate Member

While a member of the Fund you may become eligible to become an ordinary or reduced rate member.
If this occurs your category of membership will change accordingly. Your required rate of contribution to
the Fund could increase. Full details of the contribution rates for ordinary and reduced rate members
are set out in a separate Investment Statement, a copy of which can be obtained by contacting the
Administration Manager.
Changing the investment of the Fund’s assets

The Trustees may from time to time review and change how all or a part of the assets of the Fund are
invested.
Fees and expenses
All of the fees and expenses described in this Investment Statement may be reviewed from time to time
and can, as a result be increased.
As described earlier in this Investment Statement, all the fees and expenses of the Fund (with the
exception of the investment management expenses) are currently deducted from your Member’s
Account.
For Non Subsidised Members
Seafarers Retirement Fund – Investment Statement
How do I cash in my investment?

Winding up of the Fund

It is intended that the Fund continue indefinitely. However, should circumstances change there is
provision in the Trust Deed that would allow it to be wound up. The Fund can be wound up if the Union
ceases to exist, the Trustees resolve to wind up the Fund, or the Union decides that continuing the Fund
is no longer practicable or advisable.
If the Fund was wound up, final audited accounts would be prepared in respect of the Fund and you
would receive a copy of these. The moneys of the Fund would be distributed as follows:

the costs and expenses associated with winding up the Fund would be paid first; next, all benefits due but not paid prior to the winding up date would be paid; and • finally, all remaining members would be paid the sum of their Member’s Account and Employer’s
If the value of the assets of the Fund were less than the total balances of all Members’ Accounts the
amount paid to members would be reduced on a pro-rata basis. If the value of the assets of the Fund is
more than the total of the balances of all the Member’s Accounts, this will be applied to increase the
benefits of all members on a pro rata basis.
Right to sell your interest in the Fund

You cannot sell your benefits in the Fund i.e. your Member’s Account, to any person or entity. You also
cannot borrow against, use as security for a loan or otherwise assign the benefit payable to you under
the Fund.
Who do I contact with enquiries about my investment?

If you have any questions about your investment you may contact the Fund Administration Manager at
the following address:

Is there anyone to whom I can complain if I have problems with the
investment?

If you have any concerns or questions about the Fund, please contact the Complaints Officer at the
following address:
Silver Fern Shipping P O Box 10090 Wellington 6143 The Trustees have 40 days to respond to your complaint. If you are not satisfied with the response you receive, you may lodge a complaint with the Trustees’ dispute resolution scheme provider, Financial Services Complaints Limited (FSCL). You can refer the matter to FSCL by emailing them at info@fscl.org.nz or calling 0800 347 257. Full details of how to access the FSCL scheme can be obtained on their website www.fscl.org.nz. For Non Subsidised Members
Seafarers Retirement Fund – Investment Statement
What other information can I obtain about this investment?

Each year, you will receive a statement showing the details of your benefits in the Fund at 31 March and
an annual report for the previous financial year. You can request a copy of the latest annual report at
any time during the year from the Fund Administration Manager at the address given above.
Registered prospectus and financial statements - Additional information about the Fund is contained
in the Fund’s prospectus and financial statements. The prospectus, and the most recent financial
statements for the Fund, can be obtained free of charge from the Administration Manager (see contact
detail above). The prospectus and financial statements have been registered at the Companies Office
of the Ministry of Economic Development. Copies of these documents can be viewed on the
Companies Office website, www.companies.govt.nz under “Search Other Registers”. The file reference
is 1802254. Copies of these documents may be obtained (on payment of the relevant fee) by
contacting the Ministry of Economic Development Business Service Contact Centre on 0508 266 726.
Trust Deed - You may view a copy of the Fund Trust Deed at the office of the Administration Manager
at the address noted above. Alternatively, a copy of the Trust Deed may be purchased from the
Administration Manager for $5.00.
Estimate of benefit entitlements – you may request an estimate of your benefits in SRF KiwiSaver at
any time during the year. Estimates of your benefit entitlements are also available by logging onto the
Funds website, www.ebenefits.co.nz.
Investment Statement - You may request a copy of the current Investment Statement of the Fund by
contacting the Fund Administration Manager at the address given on the previous page.
Register of members - The Administration Manager will maintain a register of members of the Fund for
the Trustees. The part of the register that relates to your own records is open for you to inspect during
normal business hours (9.00am to 4.30pm). You may also request a copy of the part of the register that
relates to your own records by contacting the Fund Administration Manager at the address given on the
previous page.

Miscellaneous information

Use of your personal information

The Trustees will hold personal information in respect of you for the purpose of maintaining and
administering the Fund. The Trustees will, when appropriate, relay this information to:

the Administration Manager, advisers and insurer of the Fund for the purposes of the Fund, and You have the right, subject to certain limitations in the Privacy Act, to see any personal information relating to you and to request that it be corrected if you think any detail is wrong. On request, the Trustees will give you the name and address of any person or organisation that has personal information about you provided by the Trustees. If you have any concerns about how your personal information is being used in connection with the Fund, please contact the Secretary to the Trustees, who is also the Fund’s Privacy Officer (see page 1 for contact details). NZFA/RE/SEAFARERS NON SUBSIDISED IS JANUARY 2012 For Non Subsidised Members
SEAFARERS RETIREMENT FUND
APPLICATION FORM
FOR A NON-SUBSIDISED MEMBER
(i.e. no employer contributions)

Address: .
Employer and Location: .
I apply to join the Seafarers Retirement Fund (the Fund) and agree that as long as I remain a member of
the Fund, I shall be bound by and comply with the provisions of the Trust Deed.
I understand that the Trustees will, in accordance with the provisions of the Privacy Act 1993, collect
personal information about me for the purposes of the Fund and that such information will be disclosed:
• by my employer to the Trustees;
• by the Trustees to their agents, including any adviser, solicitor or insurer appointed by the Trustees; • by the Trustees to the Union; for the purposes of the Fund. I authorise my employer to deduct from my regular remuneration, the amounts of contribution required in accordance with the Deed. I confirm I have received a copy of the latest SRF Investment Statement for non-subsidised members. Signed: . Date:. (Please turn over to complete your nomination of designated beneficiaries)
When completed, this application form is to be sent to:

Fund Secretary, Seafarers Retirement Fund, 87 Simla Crescent, Wellington, 6035, New Zealand.

Signed on behalf of the Trustees:

Signed: . (Name): . Date:
SEAFARERS RETIREMENT FUND
NOMINATION OF DESIGNATED BENEFICIARIES
You may, if you wish, nominate the person(s) who you would like the Trustees to consider in deciding to whom to pay the benefit payable in the event of your death. Should you decide to complete this form, it is in your interest to keep it up to date in the event that your personal circumstances change, for example, on marriage or birth of a child. Any nomination you make is for the information of the Trustees only, and does not bind them to make payment as indicated below, nor does it in any way affect or restrict any power or discretion of the Trustees to pay the benefit as they see fit. I, ……………………………………………………………………………………………………… wish to inform (please the Trustees that, until I advise otherwise, I would prefer any benefit payable in the event of my death to be paid to the following person((s) in the percentages shown. I acknowledge that the Trustees will consider my preferences when deciding to whom to pay my benefit but are not required to pay all or part of the benefit to these persons. Name Address
Relationship
Percentage
IMPORTANT – The death benefit payable from the Fund forms part of a relationship property under the
Property (Relationship) Act 1976. Under this Act, a former spouse or partner may make a claim at any
time up to six months after a member’s death for all or a part of his or her relationship property, including
the death benefit payable from the Fund. It is therefore possible the Trustees could in certain cases defer
payment of all or a part of a death benefit for up to six months so all eligible claimants are able to notify
the Trustees of their intention to make a claim in respect of a deceased member’s benefit.

Post to:

David Scott
Secretary to Trustees
Seafarers Retirement Fund
87 Simla Crescent
Khandallah
Wellington 6035
Email: davidscott@paradise.net.nz

Source: http://www.munz.org.nz/wp-content/uploads/2009/10/SEAFARERS-NON-SUBSIDISED-IS-FEB-2012.pdf

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