AMP Elevate insurance Product Disclosure Statement Issue Number 14, 19 May 2014 insurance that’s dependab e because life is unpredictable IMAGE AREA Life Insurance Life Insurance Superannuation Life Insurance SMSF Total and Permanent Disability Insurance Trauma Insurance Income Insurance Income Insurance Superannuation Income Insurance SMSF Business Expenses Insurance Legal particulars Supplied copy goes here ® Registered information – must appear on the same page as ®symbol. ABN particulars. InsurTaenrmce L Aifwe/aTrPdD 2013 InsInucraonmcee PArwotaercdt i2o0n1 3 AMP Elevate insurance Supplementary product disclosure statement Thissupplementaryproductdisclosurestatement(SPDS)isdated23November2015andsupplementstheinformation containedintheAMPElevateinsuranceproductdisclosurestatement(PDS)whichhasaneffectivedateof19May2014. ThisSPDSshouldbereadtogetherwiththePDSbeforemakingadecisionaboutAMPElevateinsurance.Youcanaskfora papercopyofthisinformationfreeofchargebycontactingus. From25May2015 Onpage56,thefollowingsectionisinsertedbelow‘PlansownedunderNorth,Summit,GenerationsoriAccess’. Payingusingtherolloverfacility WeoffermembersoftheSuperDirectionsFundafacilitythatenablespremiumstobepaidusingsuperannuationmoney. Ifyouwishtohaveyourinsurancewithusbutyourmainsuperannuationaccountwithanothersuperannuationfund (providedit'sataxedsuperannuationfund),youcanpaythepremiumsusingmoneyfromyourothersuperannuationfund. Yousimplyneedtocompleteandsendusanenduringrolloverauthority.Thisauthorityallowsustoactonyourbehalfto requestarolloverortransferfromyourmainsuperannuationaccountasandwhenthepolicypremiumisdue. Youwon'tneedtocompleteanewauthorityeachyear.Theauthoritycontinuesuntiltheearliestofyourrequestinga revocation,yougivingusanewauthority,thepolicyendingoronyourdeath. Ifyouchangeyourmainsuperannuationaccount,youonlyneedtoprovideuswithanewenduringrolloverauthority. Iftheamountreceivedfromyourmainsuperannuationaccountisnotequaltotheamountrequested,itwillbereturned tothetransferringfund.Ifthishappens,oriftherolloverortransferisnotsuccessfulforanyotherreasonanalternative paymentisrequiredotherwiseyourpolicymaylapse.Ifwecan'treturnanyamountstothetransferringfund,wemay transfertheamounttotheAMPEligibleRolloverFund. We'llnotonlytakethehassleoutofpayingyourpremiums,butwe'llalsorewardpaymentsbyrolloverortransfer.The amountrequiredtopaythepremiumbyrolloverortransferwillbereducedbya15%taxbenefit,whichmeansthatonly 85%ofthepremiumdueneedstoberolledover.Forexample,ifyourannualpremiumis$100,wewillonlyrollover$85.If you change the method of payment in the future or a rollover or transfer request is not successful and an alternative paymentmethodrequired,youmaynotreceivethecreditofthetaxbenefit.ThistaxbenefitisallocatedattheTrustee's discretion.TheTrusteemayrevieworchangeitspracticeinthefuture. Importantly,onlyannualpremiumpaymentsareavailablewiththeenduringrolloverpaymentoption. Onpage56,thefollowingparagraphisinsertedattheendofsection'Plansownedbyindividuals,companies,SMSFsor undertheSuperDirectionsFund'. IfyouareamemberoftheSuperDirectionsFundandyouelecttousetherolloverfacility,yourpremiumswillbepaidfrom yourothersuperannuationfundviaannualrolloverortransfer. Issuedate:23November2015 From23November2015 Onpage61,Yourdutyofdisclosureandonpage62,Non-disclosuresectionshavebeendeletedandreplacedwiththe following: Your duty of disclosure Whatyouneedtotellus Whenyouapplyforinsurance,andupuntilweacceptyourapplication,youhaveadutytotellusanythingyouknow,or couldreasonablybeexpectedtoknow,thatmayaffectourdecisiontoinsureyouandthetermsofyourinsurance.This meansansweringallthequestionsintheapplicationhonestly,makingsureyouincludealltheinformationweaskfor. Ifanythingchangesoryouremembermoreinformationwhilewe’reprocessingyourapplication,you’llneedtoletusknow. Ifyouwanttochangeyourinsurancecoveratanytime,extenditorreinstateit,you’llalsohavethesamedutyatthattime totellusanythingthatmayaffectthedecisiontoinsureyou. Whereyourpolicycoversthelifeofanotherperson,it’simportantyoumakesurethatpersonalsogivesusalltheinformation werequire. Ifyoudon’ttellussomething Ifyoudon’t,oranotherpersoncoveredbyyourpolicydoesn't,givealltherequiredinformation,andthemissinginformation would'veaffectedthedecisiontoinsureyouorthetermsofyourinsurance,wemay: – cancelyourcoverfromthedateitstarted–withinthreeyearsofyourcoverstartingifyouwouldn'thavebeengiven insurancecoverifwehadhadthatinformation. – reduceyourcover–toreflectthepremiumyou'vebeenpaying.Thepremiumyoupayisdirectlylinkedtoyourlevelof cover.Ifyoufailtotellussomething,yourpremiumsmayhavebeentoolow.Fordeathcoverwecanonlyreducecover withinthreeyearsofyourcoverstarting. – varyyourcover–totakeintoaccounttheinformationyoudidn'ttellusandputusinthesamepositionaswewould've beenifyou’dtoldus.Variationscouldmeanthatwaitingperiodsandexclusionsmaybedifferent.Wedon’tmake variationstodeathcover. Yourtotalinsurancecoverformsoneinsurancecontractwithus.Ifyoudon'tgiveusalltherequiredinformation,wemay treatyourdifferenttypesofcoverasseparatecontractswhenwetakeactiontoaddressthis. It’sfraudulenttodeliberatelyleaveoutrequiredinformationorgiveusincorrectinformation.Inthesesituationswemay refusetopayaclaimandcancelyourinsurancecoverfromthedateitstarted. Youdon’tneedtotellusanythingthat: – reducesourrisk – iscommonknowledge – weknoworshouldknowasaninsurer,or – we'vealreadytoldyouthatyoudon’tneedtotellus. 2 OnPage56,thefollowingparagraphsareinsertedinthesection'Fees,chargesanddiscounts'afterthesub-sectionheaded 'Traumaoverlapdiscount': Largecasediscount Wemayapplydiscountstothepremiumsforlifeinsurance,TPDinsurance,traumainsurance,incomeinsuranceandbusiness expensesinsuranceplanbasedonthesizeofthe‘suminsured’.Thesediscountsarenotguaranteed.Toseewhetheryou qualifyforthelargecasediscountpleasecontactyourfinancialadviser. Multiplandiscount Wemayapplyadiscounttothelifeinsurance,TPDinsuranceandtraumainsurancepremiumdependingonthenumber ofplansand/oroptionsyouhavewithus.Theamountofdiscountwillvaryfromtimetotime. Tobeeligibleforamultiplandiscount: – youmustholdalife,TPDortraumainsurance withanincomeinsuranceand/orbusinessexpensesinsuranceplan; and – thestartdateforatleastoneoftheplansand/oroptionsmustbeonorafter23November2015,subjecttothefollowing minimumbenefitamounts: – $2,000permonthforincomeinsuranceorbusinessexpensesinsurance – $350,000forlifeinsurance – $200,000forTPDinsurance – $100,000fortraumainsurance Additionaleligibilitycriteriaandsomeexclusionsapply. Toseeifyouqualifyforthisdiscountpleasecontactyourfinancial adviser. Otherdiscounts Wereservetherighttoapplydiscountstoselectedplansand/oroptionsatourdiscretion. Contact us phone 132987-8.30am–7pm(Sydneytime)Monday–Friday web amp.com.au mail AMPCustomerService POBox14330 MELBOURNEVIC8001 Whatyouneedtoknow Allplans,excepttheLifeInsuranceSuperannuationPlanandtheIncomeInsuranceSuperannuationPlan,areissuedbyTheNationalMutualLifeAssociation ofAustralasiaLimitedABN72004020437AFSLicenceNo.234649.TheLifeInsuranceSuperannuationPlanandIncomeInsuranceSuperannuationPlanare issuedbyN.M.SuperannuationProprietaryLimitedABN31008428322AFSLicenceNo.234654astrusteeoftheSuperDirectionsFundABN78421957449 (SuperDirections)andoftheWealthPersonalSuperannuationandPensionFundABN92381911598(WealthSuper) Thissupplementaryproductdisclosurestatement(SPDS)isjointlyissuedbyN.M.SuperannuationProprietaryLimitedandTheNationalMutualLifeAssociation ofAustralasiaLimited,eachofwhomassumefullresponsibilityforthewholeofthisdocument.Howeveranissuerisnotresponsiblefortheproductsissued bytheotherissuer. 15 1/ 1 0 0 8 1 2 3 For more information about AMP please visit amp.com.au AMP Customer Service 132 987 Products in this Product Disclosure Statement (PDS) are available from Definitions referred to in this PDS 19 May 2014. This PDS is jointly issued by NM Super and NMLA, each of whom In this PDS any assume full responsibility for the whole of the PDS. However an reference to: means: issuer is not responsible for the products issued by the other issuer. ’you’ or ‘your’ Any potential customer who is likely to All plans, except the Life Insurance Superannuation Plan and the become the person insured. Where insurance Income Insurance Superannuation Plan, are issued by The National products are owned by an individual or entity Mutual Life Association of Australasia Limited ABN 72 004 020 437 other than the person insured, ‘you’ may refer AFS Licence No. 234649. The Life Insurance Superannuation Plan to the policy owner. and Income Insurance Superannuation Plan are issued by N.M. In this PDS and the Superannuation Proprietary Limited ABN 31 008 428 322 AFS Licence Application form, No. 234654 as trustee of the Super Directions Fund ABN 78 421 957 any reference to: means: 449 (Super Directions) and of the Wealth Personal Superannuation and Pension Fund ABN 92 381 911 598 (Wealth Super). ‘us’, ‘we’, ‘our’ or The National Mutual Life Association of ‘the insurer’ Australasia Limited (NMLA). Changes to the PDS ‘NM Super’ N.M. Superannuation Proprietary Limited. Information in the PDS may be amended from time to time. ‘Trustee’ N.M. Superannuation Proprietary Limited If the amendment is not significantly or materially adverse, it may where the plan is the Life Insurance be updated and information provided on amp.com.au/pdsupdates. Superannuation Plan or Income Insurance Superannuation Plan. A printed copy of any amendments can be obtained free of charge by contacting our Customer Service Centre on 132 987. Trustees of a self managed super fund where the plan is the Life Insurance SMSF Plan or Income Insurance SMSF Plan. Information contained in this PDS ‘Income Insurance Income Insurance Superannuation Plan. This PDS contains information about the following types of cover: Super Plan’ Life Insurance, Life Insurance Superannuation, Life Insurance SMSF, Trauma Insurance, Total and Permanent Disability Insurance, Income ‘Wealth Super’ Wealth Personal Superannuation and Insurance, Income Insurance Superannuation, Income Insurance SMSF Pension Fund. and Business Expenses Insurance, which describe the important terms In the Application form, including the Personal Statement, ‘you’ means and conditions of the insurance products available from AMP. the person to be insured, unless the context requires it to be the The information in this PDS will help you to decide whether these plan owner. products will meet your needs. It will assist you in comparing the types of cover available in the marketplace but does not take into consideration your individual needs and circumstances. Before Some words in this document have a particular meaning. acting on the information in this PDS, you should consider the These ‘defined terms’ are shown in ‘inverted commas’ and their appropriateness of this information and consult a financial adviser. meaning is explained in the Glossary of definitions section. If you purchase any AMP Elevate insurance products, you will be issued with a plan document. The plan document sets the terms The products contained in this PDS are not investment products. and conditions of the benefits under your plan. The plan document will be issued once cover commences. Throughout this document the following symbols Regulatory identifiers have been used: Super Directions Fund Australian Business Number Superannuation (ABN) 78 421 957 449 Indicates that the benefit/option/definition is only N.M. Superannuation Proprietary ABN 31 008 428 322 available on plans issued by NM Super, being the Limited (NM Super) Australian Financial Services Life Insurance Superannuation Plan and the Income (AFS) Licence No. 234654 Insurance Superannuation Plan. The National Mutual Life Association ABN 72 004 020 437 Non-superannuation of Australasia Limited (NMLA) AFS Licence No. 234649 Indicates that the benefit/option/definition is not available to plans issued by NM Super. Wealth Personal Superannuation ABN 92 381 911 598 and Pension Fund Non-superannuation linked plan/option Indicates that the benefit/option/definition may be linked to either a superannuation plan or non- superannuation plan and is not issued by NM Super. Self Managed Superannuation Fund (SMSF) Indicates that the benefit/option/definition is only available on plans issued by NMLA through an SMSF or Small APRA Super Fund, being the Life Insurance SMSF Plan and the Income Insurance SMSF Plan. e r u t c u r t S Contents e f Li Structuring your insurance 2 D P T AMP Elevate Life insurance 8 AMP Elevate Total and Permanent 18 Disability (TPD) insurance AMP Elevate Trauma insurance 24 a m AMP Elevate Income insurance 30 u a including Business Expenses insurance r T Holding your policy in superannuation 50 Plan membership 50 Taxation information 50 e m Eligibility to make contributions 52 o c n Cancelling your plan 52 I Nomination of dependant 52 General terms and conditions 55 r How your premium is determined 55 e p u Premium structure 55 S Paying your premiums 56 Fees, charges and discounts 56 Taxation 57 s Financial adviser remuneration 58 m r Enquiries and privacy 58 e T Adding a benefit from this PDS to an existing policy 59 Statutory Fund 59 Continuing your plan 59 y When you can end your plan 60 pl p Applying for cover 61 A Completing an application 61 Your duty of disclosure 61 Declarations and consent 62 s Your application 63 m ai Cooling-off period 63 Cl Claiming a benefit 64 Glossary of definitions 66 Life insurance 66 y r a TPD insurance 66 s s o Trauma insurance 67 Gl Income insurance 73 General 77 e Interim cover certificate 79 t a c i f ti r e C Structuring your insurance Insurance available AMP Elevate insurance offers you: – Trauma insurance – Life insurance – Income insurance – Total and permanent disability (TPD) insurance – Business expenses insurance. Ownership Plans can be owned by: PremierLink and FlexiLink – Individuals FlexiLink and PremierLink can be attached to policies that – A company are owned by NM Super or the trustees of an SMSF. They can – Trustees of a self managed superannuation fund (SMSF) also be attached to policies that are owned by individuals or a company outside of superannuation. – A trust – NM Super—see Superannuation section below. In all scenarios, the FlexiLink and PremierLink cover will sit on a separate policy outside of superannuation. For non-superannuation plans, where a claim is paid, it will be paid to the owner of the plan. FlexiLink can improve the timing of the payment of benefits. This is because under FlexiLink the TPD or trauma benefit is SMSF outside of superannuation and can be paid to you directly, without you having to satisfy a superannuation condition AMP Elevate insurance offers the following SMSF plans: of release. – Life Insurance SMSF Plan The PremierLink options are another way of providing – Income Insurance SMSF Plan. flexibility in plan ownership, These plans are issued by NMLA and are owned by the trustees – PremierLink TPD: allows TPD with an any occupation definition of an SMSF who are responsible for meeting the requirements to be held inside of superannuation and TPD with an own under the Superannuation Industry (Supervision) Act 1993 (SIS). occupation definition to be held outside of superannuation. TPD insurance is available within superannuation as an option – PremierLink IP: allows superannuation compliant income to the Life Insurance SMSF Plan. insurance definitions and benefits to be held inside of Where a claim is paid, it is paid to the trustees of the SMSF superannuation and other enhanced income insurance who can then release the benefit to you in accordance with definitions and benefits to be held outside of superannuation. superannuation law. Also, should you claim under FlexiLink or PremierLink TPD, benefits are paid outside of superannuation and are usually Superannuation not taxable, meaning you will receive the full value of your AMP Elevate insurance offers the following plans which are benefit. Without FlexiLink and PremierLink TPD, payments held in our superannuation funds: within the superannuation environment may be subject to – Life Insurance Superannuation Plan taxation, reducing the value of the benefit you receive. – Income Insurance Superannuation Plan. To determine if your insurance should be held in or outside of the superannuation environment, there are various factors to These plans are owned by NM Super and consider, such as eligibility to contribute, taxation, where your – If you are paying directly, your plan will be held within the benefit will be paid if you make a claim, cost, and the benefits Super Directions Fund with NM Super as the Trustee. included in the plan. Also note that the paying of insurance – If you are paying through AMP’s North, Summit, premiums from your Wealth Personal Superannuation and Generations or iAccess, your plan will be held within the Pension Fund will decrease the superannuation balance Wealth Personal Superannuation and Pension Fund with available for your retirement. NM Super as the Trustee. Your financial adviser will be able to assist you to determine TPD insurance is available within superannuation as an option the ownership that is appropriate for your individual needs. to the Life Insurance Superannuation Plan. Specifically, with NM Super as trustee, refer to the Holding Where a claim is paid, it is paid to NM Super. The Trustee your policy in superannuation section on page 50. can then release the benefit to you in accordance with 2 superannuation law. ee rr uu tt cc uu rr tt SS Premiums e f Li Depending on the plan you purchase, there are three premium structures available to you: Stepped premiums Level premiums Premiums are adjusted each year at the ‘renewal date’ Premiums remain the same for each layer of cover1 throughout according to your age. In general, each year as you get older the term of the plan. However, for life, TPD and trauma plans, D P your premiums will increase. level premiums will alter to stepped premiums from the first T ‘renewal date’ after age 70 or after an earlier age requested Blended premiums by you. Only available for life, TPD and trauma insurance For further information on premium structures refer to the For each layer of cover1, premiums are adjusted each year General terms and conditions section on page 55. a m for the first 10 years according to your age. After that, your u premium will remain constant and will be the premium you ra T were paying in the 10th year. After you turn 60, the premiums for all layers of cover will switch to stepped premiums 1 A layer of cover can be the initial sum insured, any endorsed increases regardless of when the layer of cover commenced. or any CPI increases. e m o c n Plan structure I To meet your insurance needs the structure of your insurance Insurance purchased as a plan should be carefully considered. AMP Elevate insurance r Life insurance, TPD insurance, trauma insurance, income e p products include plans, options on plans and FlexiLink plans insurance and business expenses insurance can be purchased u S or PremierLink options. Please refer to the table below for the as plans that operate independently of each other. available structures for each insurance product. Where TPD insurance and trauma insurance are purchased as Plan Option FlexiLink PremierLink plans, independent of a life insurance plan, in the event of a Life Insurance ✓ TPD or trauma claim, the benefit under the life insurance plan ms TPD Insurance ✓ ✓ is not reduced. er T Trauma Insurance ✓ ✓ Insurance purchased as an option Income Insurance ✓ TPD insurance and trauma insurance can be purchased as Business Expenses ✓ options attached to a life insurance plan. TPD insurance y Insurance can also be purchased as an option attached to a trauma pl p The following information does not take into consideration insurance plan. A your individual needs and circumstances. To determine what Where TPD insurance or trauma insurance is purchased as an plan structure is appropriate for you, you should contact your option, in the event of a claim being paid out on the option, the financial adviser. benefit of the plan and any other insurance options attached s to the plan will be reduced by the amount of the claim (unless m a Double TPD or Double trauma option has been purchased). ai Cl Therefore, a lower premium is charged for insurance purchased as an option compared with being purchased as a plan. y r a s s o Gl e t a c i f ti r e C Super Non-super Non-super linked plan/option SMSF 3 Plan structure continued FlexiLink plans PremierLink TPD option FlexiLink provides you with flexibility in structuring your The PremierLink TPD option also provides flexibility in structuring insurance. Under FlexiLink, if you are paid a trauma or TPD your TPD insurance. When you purchase a TPD any occupation benefit it will be paid directly to you. Without FlexiLink, for option on a Life Insurance Superannuation Plan or a Life Insurance cover within superannuation the benefit would be paid to the SMSF Plan, the PremierLink TPD option allows you to link a TPD Trustee of the super fund who can then release the benefit to own occupation benefit to your plan. The linked benefit will be you in accordance with superannuation law. held on a separate policy outside of superannuation. When you purchase life insurance, FlexiLink allows you to In the event of a claim, you will be assessed under the TPD any attach trauma and TPD insurance with the same person occupation definition in the first instance. If you meet this insured as the life insurance, but the policy will not be held definition, the benefit will be paid to the trustees of the super within a superannuation fund (refer to Figure 1.0 below). fund. If you do not meet the TPD any occupation definition, you will then be assessed under the TPD own occupation Some common policy owner combinations include: definition. If you meet this definition, the benefit will be paid – Having a life insurance plan and a TPD option inside directly to you or whoever owns the PremierLink TPD option. superannuation via an SMSF, with FlexiLink Trauma and/ Refer to Figure 1.1 to see how this option works in the event or FlexiLink TPD outside superannuation and owned by an of a claim. individual, business, trust or company Holding a TPD any occupation option inside of superannuation – Having life insurance and TPD insurance inside may be a tax-effective way of paying your premiums. superannuation via NM Super, with FlexiLink Trauma and/ or FlexiLink TPD outside superannuation owned by an Depending on your circumstances, there can be advantages individual, business, trust or company. to holding your TPD own occupation cover outside of superannuation. If a benefit is paid within superannuation, FlexiLink plans work in a similar way to an option in terms of the benefit will be paid to the trustees of the super fund how they are priced and how they function. who can then release the benefit to you in accordance with Because of this, FlexiLink TPD and FlexiLink Trauma plans are superannuation law. However, if a payment is made under the priced lower than stand-alone TPD and trauma plans. PremierLink TPD option, the benefit will be paid without the Note: If you attach FlexiLink TPD or FlexiLink trauma to a life need to satisfy a condition of release. insurance plan, a Trauma option cannot be added to the life When both TPD any occupation and PremierLink TPD options insurance plan. are purchased, they must have the same structure. For example, they must both have the same sum insured, which cannot exceed the sum insured of the life insurance they are linked to. The PremierLink TPD option must have the same premium style and the same anniversary date as the TPD any occupation option. If an increase or reduction is made to the TPD any occupation insurance, the alteration will automatically be applied to the TPD own occupation cover held under the PremierLink TPD option. The PremierLink TPD option works in a similar way to the TPD insurance option it is linked to. For example, if a benefit is paid under either of these options it will reduce the sum insured of the life insurance plan it is attached to along with any other options attached/linked to the plan. Figure 1.0 How FlexiLink works Policy owner 1 Policy owner 2 Life Insurance Plan FlexiLink TPD FlexiLink Trauma TPD (any or own occupation) option The total sum insured of TPD option/FlexiLink TPD or FlexiLink trauma cannot be more than the life insurance benefit. Trauma is not available as an option when adding FlexiLink to a plan. 4 ee rr uu tt cc uu rr tt SS Figure 1.1 How the PremierLink TPD option works e f Li Policy owner 1 Policy owner 2 Life Insurance Life Insurance PremierLink TPD option Superannuation Plan OR SMSF Plan Owned by an individual or company outside of superannuation1 D Owned by NM Super Owned by the trustees of an SMSF P T Life insurance + TPD any occupation option TPD – own occupation definition plus the following benefits: Accommodation + Financial plan + Partial TPD On submission of a TPD claim, one of the following scenarios may apply: a m Scenario 1 u a TPD any occupation Policy owner 1 Policy owner 2 r T definition is met TPD any occupation benefit is paid to policy No TPD disability benefit is payable under this owner 1, either NM Super or the trustees of option. However, if you are eligible, the following the SMSF who can then release the benefit to benefits: you in accordance with superannuation law. – Accommodation benefit e m – Financial plan benefit o c will be paid to policy owner 2. n I Scenario 2 r TPD any occupation Policy owner 1 Policy owner 2 e p definition is not met No TPD disability benefit is payable under The TPD own occupation benefit will be paid to Su Claim will then be assessed this policy. the plan owner. If you are paid 100% of the TPD under TPD own occupation benefit and are eligible, the following benefits: definition – Accommodation benefit – Financial plan benefit s TPD own occupation will be paid to policy owner 2. m r e definition is met T Scenario 3 Partial TPD Policy owner 1 Policy owner 2 y pl definition is met No TPD disability benefit is payable under The Partial TPD benefit will be paid to policy p A this policy, but the benefit amount will owner 2 and the PremierLink TPD benefit be reduced by the Partial TPD benefit amount will be reduced by the Partial TPD amount paid. benefit amount paid. s 1 This may include the trustees of an SMSF where the option is held personally and not as an asset of the SMSF. m ai Cl y r a s s o Gl e t a c i f ti r e C Super Non-super Non-super linked plan/option SMSF 5