The dollar based fee is deducted directly from your account balance monthly in arrears.
0.665% p.a.
The percentage-based fee is deducted weekly from the assets of the Fund. This fee is not deducted directly from your account.
0.14% p.a.
Deducted from the Fund’s Expense Reserve throughout the year and not directly from your account. This is not an additional cost to your account, but it is required to be disclosed.
Investment fees and costs2
0.430% p.a.
Accrued and reflected in the unit price when the unit price is calculated and paid in arrears. This fee is not deducted directly from your account.
0.007% p.a.3
Deducted from the investment returns of the underlying investments. This fee is not deducted directly from your account.
Transaction costs4
0.012% p.a.
Transaction costs are incurred when assets are bought or sold and are shown net of amounts received by the buy-sell spread charged.
Deducted from investment earnings before the unit price is determined. This cost is not deducted directly from your account.
Member Activity Related Fees and Costs
Type of Fee or Cost
Amount
How and When Paid
Buy-sell spread5
Buy: 0.07% Sell: 0.07%
Deducted on a transactional basis every time units in an investment option are bought and sold, and is reflected in the unit price.
Buy-sell spread is subject to change.
Switching fee
Nil
Not applicable.
Other fees and costs
Refer to the Reference Guide for other fees and costs
Other fees and costs may apply. Refer to the “Additional Explanation of Fees and Costs” below for more detailed information.
1. If your account balance for a product offered by the superannuation entity is less than $6,000 at the end of the entity’s income year, certain fees and costs charged to you in relation to administration and investment are capped at 3% of the account balance. Any amount charged in excess of that cap must be refunded.
2. Investment fees and costs includes an amount of $0 performance fees. Information about performance fees is set out in the ‘Additional explanation of fees and costs’ below.
3. Disclosed investment fees and costs of the underlying investments are based on the expenses incurred over the previous financial year. As a result, these figures are indicative only and may change in subsequent years depending on (for example) the performance of the investment option. These costs are deducted by the underlying investment managers.
4. Disclosed transaction costs are an estimate based on transaction costs incurred in the previous financial year. As a result, these figures are indicative only and may change in subsequent years.
5. The buy-sell spread is a mechanism to recover transaction costs incurred by the Trustee in relation to the purchase or sale of assets when money moves into, or out of an investment option. The buy-sell spread may change without notice to meet changes in the transaction costs, including in circumstances of adverse market conditions. If there is a change to the buy-sell spread, we will let you know within 3 months of the change taking place.
Additional fees may apply. For more information about the fees and costs you may be charged, please see the Additional Explanation of Fees and Costs in our Reference Guide.
What details do I need to give to my employer?
You will need to provide your employer with:
Your Cruelty Free Super member number which you can find by logging into your account
Our USI/SPIN: 34 300 938 877 010
Our ABN: 34 300 938 877
You can find all these details on the pre-filled super choice form which you can download from our Docs & forms page.
How do I transfer previous super accounts or lost super to Cruelty Free Super?
If you have added your TFN to your Cruelty Free Super account, you will be able to transfer any old super accounts into your Cruelty Free Super account by clicking on Transfer my Super in the main menu.
All you need is your previous fund’s ABN, USI and member number. You can contact your old fund if you do not know these details. Once you have filled out those details, we can process the transfer for you. You will receive an email notification once your transfer has come through!
Lost super
To transfer lost super, also known as ATO held super, you need to login to your MyGov account to request the transfer.
How can I find old and lost super accounts?
You can find other super accounts by logging into your myGov account. Inside the ATO portal, select Super > Manage > Transfer super. You will find a list of your super accounts as well as any ATO held super.
You can also choose to combine the other funds into Cruelty Free Super inside the portal.
To start, you’ll need to tick “My existing super fund”. Then, you can complete Section B of the form.
If you are completing an older version of the ATO super choice form, you will need to tick that first box as Cruelty Free Super is an APRA regulated fund.
You can find your member number by logging in to your Cruelty Free Super account, or by referring to the pre-filled super choice form.
You’ll also need the following details:
Fund ABN: 34 300 938 877
Fund name: Cruelty Free Super
Fund address: Suite 4.01, 50 Holt Street Surry Hills NSW 2010
Phone: 1300 096 631
USI: 34 300 938 877 010
Where can I find my member number?
You can find your member number by logging in to your Cruelty Free Super account, or by referring to the pre-filled super choice form attached to your ‘Welcome Email’.
How much super should my boss pay me?
Your boss must pay you a minimum of 11%* of your ordinary time earnings (OTE) if you are over 18. Ordinary time earnings include your regular income, bonuses, commissions and loadings.
*This increased from 10.5% on 1 July 2023.
Where can I find the Letter of Compliance?
You can find a copy attached to your ‘Welcome Email’, or you can head to our Docs & forms page and download it from there.
Why is my balance zero when I have super on my payslip?
When you see super on your payslip, unlike your wages, it does not necessarily mean that it’s been paid.
The super you see on your payslip is the amount of super you have earned for that particular pay period.
Your employer can choose how often they pay super you super (e.g. fortnightly, monthly etc.), it doesn’t have to be paid at the same time as your wages.
By law, your employer is required to make a payment at least every 3 months. So, if you have only started working at your employer within the last 3 months, they may not have made a payment to your account yet, explaining why your balance is still zero.
You can ask your employer how often they pay super to get a better idea of when to expect your super payments.
Cruelty Free Super will send you an SMS and email reminder every time you receive a contribution!
See the table below for the break-down of the quarterly periods and when the payment is due.
Period
Due Date
1 January - 31 March
28 April
1 April - 30 June
28 July
1 July - 30 September
28 October
1 October - 31 December
28 January
For example, if you have a payslip showing super for the period 10-17 July, your employer doesn’t need to pay you for this amount until October 28.
If you have been working and the super payment due date passed before you gave your employer your Cruelty Free Super account details, it is possible your employer created another super account for you with their default fund.
You can ask them which super fund they paid into, and if you want to combine this into your Cruelty Free Super account send us an email at hello@crueltyfreesuper.com.au and we can help you with this.
Where can I find my super account details?
We know how important it is to let employers know about your super details, so we’ve created a pre-filled copy of the ATO Super Choice Form. It was attached to your ‘Welcome Email’.
If you can’t find the email, you can log into your Cruelty Free Super account, go to ‘Tell my employer’ from the menu and email your employer or yourself a copy.
You can also find it by going to Docs & forms and downloading the Super Choice Form.
To help you fill out this form, our fund details are:
Fund address: Suite 4.01, 50 Holt Street Surry Hills NSW 2010
You can find your member number by logging into your Cruelty Free Super account.
Where can I find your ESA, BSB and account no?
It sounds like you might be filling out the ATO’s super choice form. But, you’ve selected the wrong type of fund - those details are only required for Self-Managed super funds.
If you are a Cruelty Free Super member, tick “My existing super fund” and you should complete Section B of the ATO super choice form.
If you are completing an older version of the ATO super choice form, you will need to tick that first box as Cruelty Free Super is an APRA regulated fund.
To help you fill out this form, our fund details are:
Fund address: Suite 4.01, 50 Holt Street Surry Hills NSW 2010
You can find your member number by logging into your Cruelty Free Super account.
What’s Cruelty Free Super’s SPIN?
Cruelty Free Super’s SPIN is the same as our USI which is 34 300 938 877 010.
How can I make personal contributions?
You can make personal contributions via bank transfer. Our bank details are on the personal contributions form which can be downloaded from our Docs & forms page.
Please note that we must receive this form within 28 days of making your personal contribution. Otherwise, your contribution may be refunded.
I’m self-employed, how do I make contributions?
You can make contributions via bank transfer to your Cruelty Free Super account. Our bank details are on the personal contributions form which can be downloaded from our Docs & forms page.
Please note that we must receive this form within 28 days of making your personal contribution. Otherwise, your contribution may be refunded.
What is the age restriction for member contributions?
Member contributions include:
personal contributions
spouse contributions
contributions by parents, family or friends
government co-contributions
They do not include employer contributions (super guarantee).
From 1 July 2022, if you are under 75, you can make or receive member contributions.
From 1 January 2023, if you are 60 years or older and meet the eligibility requirements, you may be able to make downsizer contributions into your super of up to $300,000 from the proceeds of selling your home.
Downsizer contributions is not a non-concessional contribution and they don’t count towards your contribution caps.
See the ATO website for more information and eligibility.
What are spouse contributions?
These super contributions are contributions from your spouse (married or de facto) made into your super account.
For your spouse to make a contribution into your Cruelty Free Super account, they will need to complete the form Spouse Contribution Form and make a contribution into the bank account specified.
What are the tax offsets for spouse contributions?
If your spouse (married or de facto) is earning less than $40,000 per year or not earning any income, you may be able to claim a tax offset on contributions made into their super account. These apply to contributions you made using your after-tax salary.
Read more about the eligibility on the ATO website.
What is super?
Superannuation is money for your retirement. You accumulate super while you are working in order to provide you with an income in retirement.
If you are over 18, your employer is generally required to pay you 11%* on top of your ordinary time earnings into a superannuation account.
*This increased from 10.5% on 1 July 2023.
What is SG?
SG stands for Superannuation Guarantee and is the super your employer is required to pay. This is currently 11%* of your ordinary time earnings.
*This increased from 10.5% on 1 July 2023.
How long can it take for a contribution to be seen in my account?
Up to 5-10 business days.
What’s contributions tax?
The government takes contributions tax from all concessional (before-tax) super contributions, like employer contributions.
It’s a tax charged by the government, not a fee deducted by Cruelty Free Super. It applies to every super fund and occurs each time a concessional contribution comes in.
You cannot opt-out of this tax or claim it back on your tax return.
If you have provided your TFN, the contributions tax rate is 15%.
If you earn below $37,000 you may be eligible for an automatic refund of some or all of your contributions tax. You can find out more about this under ‘Low Income Super Offset Tax’ on the ATO website.
What are your investment screens?
We have 16 negative investment screen categories:
animal testing
live animal export
animal food and products
animals in sport and entertainment
fossil fuels
gambling
tobacco
weapons
nuclear energy
environmental damage
chemicals of concerns
mandatory detention of asylum seekers and for-profit prisons
alcohol
human/labour rights
predatory lending
controversial activities
We also apply a positive screen - seeking investment in companies that have been identified as a “vegan hero”. These are companies that are known to provide a vegan or cruelty free alternative to products or services that typically exploit animals.
You can find our full investment portfolio on our website by heading to “Investments” from the main menu.
Do you offer insurance?
Yes we do!
Cruelty Free Super’s insurance provider is AIA Australia Ltd. The following insurance cover is available:
Death cover
Death and Total and Permanent Disablement (TPD) cover
Income Protection cover
For more info about our insurance cover, check out our Insurance Guide.
How do I apply for insurance?
If you joined Cruelty Free Super within the last 60 days you’ll be able to apply online for death or death and TPD insurance.
After 60 days have passed, you’ll need to email our Member Services Team at hello@crueltyfreesuper.com.au to obtain an insurance quote, then we can send you a copy of the insurance application form.
If you have an existing insurance policy with another super fund, you may be able to transfer this cover to Cruelty Free Super. Just ask our Member Services Team at hello@crueltyfreesuper.com.au for an Insurance Transfer Form.
I have insurance with my other super fund, can I transfer it to Cruelty Free Super?
Yes you can! Please contact our Member Services Team at hello@crueltyfreesuper.com.au and ask for an Insurance Transfer form.
It’s important to note that you only have 30 days from when you leave your other fund to complete the insurance transfer. With this in mind, you may prefer to apply for the insurance transfer before you transfer your funds into Cruelty Free Super and close your other account.
My name on my account is wrong, what do I do?
If you have a zero balance, please contact our Member Services Team at hello@crueltyfreesuper.com.au with your:
Full name
Cruelty Free Super member number
Date of birth
Our technical team can then recreate your Cruelty Free account for you with your correct name.
If you have a balance in your Cruelty Free Super account, we need you to post in a certified copy of your ID and a completed copy of our Change of Details form. You can find this form on our Docs & forms page.
Please send the completed Change of Details form and your certified ID to the following address:
DDH Graham PO Box 3528 Tingalpa DC QLD 4171
For more information on how to get your ID certified email us at hello@crueltyfreesuper.com.au.
Why do you charge fees?
We charge fees to cover the general cost of managing your account and the investments we make on your behalf.
I can’t log into my account, can you help me?
We can help you with this! Please send us an email at hello@crueltyfreesuper.com.au. So we can locate your account, please let us know your:
Full name
Date of birth
Address and postcode
We will then be able to confirm the mobile number and email on your account so you can reset your password and login.
How can I change my password?
Please go to the Cruelty Free Super login page and click on the 'forgotten your password' link. It will ask for your email, date of birth and mobile number. We will send you a code via SMS to reset your password.
How do I update my mobile number?
Our Member Services Team can help you with this. Send us an email at hello@crueltyfreesuper.com.au and we can update your mobile number for you.
So that we can locate your account and update your details, please send us an email with your:
Full name
Date of birth
Cruelty Free Super member number
New mobile number
You can find your member number by logging in to your Cruelty Free Super account, or by referring to the pre-filled ATO super choice form.
How do I change my email address?
Simply log into your Cruelty Free Super account, click on ‘My Profile’ in the main menu. From there you will be able to update your details.
How do I change my residential address?
Simply log into your Cruelty Free Super account, click on ‘My Profile’ in the main menu. From there you will be able to update your details.
How do I add a beneficiary to my account?
You can add a beneficiary by filling out our ‘Beneficiary Nomination Form’. You can find this form on our Docs & forms page.
Once completed, please email the form back to us at hello@crueltyfreesuper.com.au and we will update this on your account for you.
What is the difference between binding or non-binding beneficiary nominations?
There are two types of beneficiary nominations:
1. Non-binding beneficiary nomination This nomination is who you would prefer to receive your super benefit. The Trustee will take your nomination into account, but they are not legally bound to follow it. This nomination does not expire.
2. Non-lapsing binding beneficiary nomination This nomination gives you greater certainty on who will receive your super benefit. The Trustee must pay your super to the person(s) you have nominated if you have a valid non-lapsing binding nomination in place.
There are five categories of people you can nominate as a beneficiary to your super. They include a Legal Personal Representative (LPR), a spouse, children, financial dependent or a person you’re in an interdependent relationship with. Read more about these categories here.
How do I update or cancel a beneficiary?
Both types of beneficiary nominations are non-lapsing, which means they don’t expire. It is important that if your circumstances change, you review your beneficiary nominations. You can update your beneficiary nominations at any time.
If you want to cancel your beneficiary nomination (removing all beneficiaries nominated), please complete the Cancellation of Beneficiary Nomination Form. If you want to update your beneficiaries nominated, you can simply complete a new Beneficiary Nomination Form, you do not need to complete the cancellation form, the new form will override your previous nomination.
I’ve changed my name, how do I update the name on my account?
To update your name, you will need to post us certified copies of your photo ID, a certified document showing both your old name and new name (this can be a marriage certificate or change of name certificate) and lastly, a completed Change of Details form. You can find our Change of Details form on our Docs & forms page.
Please post these documents to the following address:
DDH Graham PO Box 3528 Tingalpa DC QLD 4171
How do I get a TFN?
You are able to apply for a TFN in three ways:
Applying at Australia Post
Applying at a Department of Human Services (Centrelink) Centre
Applying via Post
Get started today as it can take up to 28 days to receive your TFN after you’ve lodged your application.
If you already have a TFN and can’t remember it, you can call the ATO on 13 28 61.
I can’t find my TFN, what do I do?
You can find your TFN by logging into your MyGov account linked with the ATO.
Alternatively, you can call the ATO on 13 28 61. You’ll need to confirm some personal information and then they’ll tell you it over the phone.
How old do you have to be to have a super account?
There is no minimum age to have a super account.
How do I set up a third party authority?
You can do this by logging into your account and going to My Profile. Under ‘Third party authorisation’, you can manage all your third party authorisations. You can view, add, delete, and edit.
What is third party authorisation?
Third party authorisation is when you give other people (like financial advisors, lawyers, family members) access to information about your super account.
You can allow the following people to receive information about your account:
Relative
Firm – it is important to know that if you nominate a firm, this allows any person that claims to act or represent the firm to access information about your account.
Legal representative
Financial planner – individual
Third parties can only access “read only” information, they are not able to make changes to your account.
To manage your third party authorisations, log into your super account and under My Profile, you will see ‘Third party authorisation’.
How do I delete or cancel a third party authority to my account?
You can do this by logging into your account and going to My Profile. Under ‘Third party authorisation’, you will be able to view all the people that have access to view your account information.
Click on the person/firm who you’d like to remove access for and select “delete authorisation” to remove them.
How do I nominate a Power of Attorney as my third party authority?
You can email a certified copy of a signed Power of Attorney to hello@crueltyfreesuper.com.au. The document must be current and the copy must be certified in the last three months prior to being received by the Fund.
This is how you can certify your document:
Take a photocopy of the original document (e.g. your driver’s licence).
Take both your original document and the photocopy to an authorised person who can certify them and
Get the authorised person to stamp or write on each page of the photocopied document ‘I certify this to be a true copy of the document shown and reported to me as the original’, followed by their signature, full name, qualification, registration number (if applicable) and the date.
People who can certify your ID include:
A teacher employed on a full-time basis at a school or tertiary education institution.
A healthcare professional such as medical practitioner, nurse, pharmacist, dentist, optometrist, chiropractor, physiotherapist or psychologist.
A justice of the peace.
A police officer.
A legal practitioner.
A member of a professional accounting association.
A permanent employee of Australia Post with two or more years of continuous service.
I received an email saying I left the fund, but I didn’t want to close my account. How can I keep my account open?
If your account was closed but you want to stay with Cruelty Free Super, send us an email at hello@crueltyfreesuper.com.au and we can re-open your account.
If you transferred all your money to another super fund, your account with us would have been automatically closed. Your account may have been closed due to the ATO considering your account to be a low balance inactive account. You can read more about that here.
If you want your money back with Cruelty Free Super, once we have re-created your account and you’ve added your TFN, you can use our Manual Transfer Form. Enter the details of your other super fund into the form in order to move your money back to Cruelty Free Super.
Can I make an employer payment via BPAY or EFT?
No. Employer payments must be made via a solution that meets the SuperStream rules.
An outsourced payroll service that complies with SuperStream, or
Your own software solution that complies with SuperStream.
My accounting software can’t find your super fund, how can I make a payment?
You will need to contact your software provider to ask them to add our super fund. All you will need to provide them with is our Letter of Compliance which you can find here.
Alternatively, if you have less than 20 employees, you can use the free ATO Small Business Clearing House to make super payments to your employee.
Remember that employees have the right to choose their own super fund. If they’ve asked to be paid into Cruelty Free Super it’s important you facilitate this.
I’ve made a mistake paying an employee - how can I get a refund?
That’s no problem! Please email us at hello@crueltyfreesuper.com.au and our Member Services Team will send you our Refund Request Form. Once completed, please send it back to us so that we can refund the payment.
How do I certify my documents?
Take a photocopy of the original document (e.g. your driver’s licence).
Take both your original document and the photocopy to an authorised person who can certify them and
Get the authorised person to stamp or write on each page of the photocopied document ‘I certify this to be a true copy of the document shown and reported to me as the original’, followed by their signature, full name, qualification, registration number (if applicable) and the date.
People who can certify your ID include:
A teacher employed on a full-time basis at a school or tertiary education institution.
A healthcare professional such as medical practitioner, nurse, pharmacist, dentist, optometrist, chiropractor, physiotherapist or psychologist.
A justice of the peace.
A police officer.
A legal practitioner.
A member of a professional accounting association.
A permanent employee of Australia Post with two or more years of continuous service.
How can I access my money?
There are several ways you can access your super:
If you have reached preservation age
Preservation age is the age you can access your super when you are retiring, or transitioning to retirement.
Your preservation age will depend on when you were born and is between 55-60 years old. You can find the breakdown on the ATO’s website.
You can access your super if you have reached 65 years of age, regardless of your working status.
If you haven’t reached preservation age
If you are under preservation age, you can access your super in limited circumstances such as:
On compassionate grounds
Due to severe financial hardship
Due to a terminal medical condition
Due to temporary or permanent incapacity
You can check out the ATO page for more information.
How much insurance do you need?
The level and type of insurance you require depends on your personal circumstances and needs. When selecting insurance cover, these are some of the points to consider:
How would your family make ends meet without your income?
How much do you currently owe on mortgages, loans and other financial commitments?
What are your day-to-day expenses, such as groceries, utilities and school fees?
You should also speak to a financial advisor for personal advice tailored to you.
What is salary sacrificing into Cruelty Free Super?
Salary sacrificing is an arrangement you make with your employer to sacrifice some of your pre-tax income into super. This lets you grow your super faster while potentially lowering your taxable income, and thereby potentially reducing the amount of tax you need to pay.
What is a stapled super fund?
A stapled super fund means your existing super fund will automatically follow you when you change employment. This is to avoid multiple super accounts from being created each time you switch jobs. Having one super account means you won’t pay any duplicate fees.
As part of the Your Future, Your Super reforms, stapling came into effect from 1 November 2021.
I received a letter from the ATO saying Cruelty Free Super is my stapled fund, what does this mean?
Your employer may ask the ATO for details of where to pay your super if you did not notify them, in writing, of your chosen super fund. This is called a 'stapled super fund' request.
This means that your employer will pay your Super Guarantee contributions into this stapled super fund. You don't need to do anything if you want your super to be paid into the account details provided by the ATO to your employer.
If you want to change where you super is paid, you can discuss this with your employer.
When can I access my super?
When you reach preservation age and are retiring, or transitioning to retirement you can access your super. You can access your super regardless of your working status if you have reached 65 years of age.
Your preservation age will depend on when you were born. You can find your preservation age by birth year on the ATO’s website.
If you haven’t reached preservation age
If you are under preservation age, you can access your super in limited circumstances such as:
If you have reached your preservation age and retired, you can contact our Member Services Team at hello@crueltyfreesuper.com.au to ask for our Withdrawal Form.
You’ll need to fill out the form and post it to our administrators, along with:
Certified ID
Copy of your bank statement
It can be a good idea to scan your application and email it to us so we can make sure everything is correct before you mail it off!
How can I close my account if I have a zero balance?
Our Member Services Team can help you close your account. Please send us an email at hello@crueltyfreesuper.com.au and we can close it for you. For security reasons, you will need to confirm your:
Full name
Date of birth
Member number
You can find your member number by logging in to your Cruelty Free Super account, or by referring to the pre-filled super choice form which was attached to your ‘Welcome Email’.
How can I close my account if it has money in it?
We’re sad to see you go :(
If your Cruelty Free Super account has money in it, you will need to create an account with a new fund and transfer your balance. Please contact your new super fund for help with this.
Once the transfer has processed and your entire balance has been moved to another super fund, your account with us will be automatically closed. You don’t need to worry about letting us know.
Alternatively, if you have reached preservation age and are retiring, you can withdraw your super by completing our Withdrawal Form – contact us at hello@crueltyfreesuper.com.au to request the form. If you process a full balance withdrawal your account will be automatically closed.
You can read more about when you can withdraw your super on the ATO’s website.
I’m leaving the country permanently and want to access my super. How do I do this?
We’re sad to see you go :(
If you are leaving the country permanently, or your visa is expiring/cancelled and you want to claim your super, you can submit an application for a Departing Australia Superannuation Payment (DASP) via the ATO.
How do I make a DASP claim?
We’re sad to see you go :(
If you are leaving the country permanently, or your visa is expiring/cancelled and you want to claim your super, you can submit an application for a Departing Australia Superannuation Payment (DASP) via the ATO.
How do I apply for financial hardship?
We are sorry to hear that you are experiencing financial hardship and we will do everything we can to help you through this process. To be eligible to access your super you must meet this criteria.
If you meet this criteria, you can apply by emailing us at hello@crueltyfreesuper.com.au and request an Early Release of Super Form. You’ll need to post it to our administrators, along with:
A Centrelink Q230 letter
Evidence of your income
Proof of debt to support the amount being requested
Certified ID
It might be a good idea to scan your application and email it to us so we can make sure everything looks good before you mail it off!
I am deaf, have a hearing or speech impairment, do you have an option to support me contacting the fund?
Yes we do! You can write to us at hello@crueltyfreesuper.com.au.
If you’d prefer to have a phone based conversation, you can contact us through the National Relay Service (NRS). The NRS has specially trained staff called relay officers who act as a bridge between you and the organisation you’re calling —in this case Cruelty Free Super.
Find out more about the National Relay Service here.
I don’t speak English, do you offer translation services?
Yes we do! You can write to us at hello@crueltyfreesuper.com.au.
We are registered with the Translating and Interpreting Service (TIS). You can use this service to access an interpreter who can assist you to have a conversation with us.
Call TIS on 131 450, follow the prompts and quote “Cruelty Free Super” and our phone number 1300 096 631 as the organisation you’d like to connect with. TIS will connect you with an interpreter and the fund.