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<h1>Salary Packaging Handbook<br></h1><br>A Salary Packaging Handbook is prepared by Income Essentials in consultation with the Employer client for distribution to eligible employees by the employer. This handbook summarises the range of benefits available to staff and the benefits associated with each item. The range of benefits available to employees is determined during discussions with the employer as to their specific requirements, an approved benefits list will be determined.<br><br>For ease of access to employees many employers post the finished Handbook on their Intranet where it serves as the company policy on salary packaging.<br><br>When an employee signs the Income Essentials, Authority to Proceed, they are providing their employer with an acknowledgment that they have read the employer's Salary Package Handbook and also that they have communicated with Income Essentials as to their requirements.<br><br>&nbsp;&nbsp;&nbsp; - PBI<br>&nbsp;&nbsp;&nbsp; - Rebateable<br>&nbsp;&nbsp;&nbsp; - Corporate<br><br>Contact <a style="FONT-SIZE: inherit" href="http://www.incomeessentials.com.au/Contact-Us" rel="Next" target="_self">Income Essentials</a> for a copy of a handbook appropriate to your organisation.<br><br></td></tr>
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<td style=" TEXT-ALIGN: left;  PADDING-LEFT: 20px; WIDTH: 773px; PADDING-RIGHT: 8px; VERTICAL-ALIGN: top;   PADDING-TOP: 8px"><span style="COLOR: rgb(92,74,66); FONT-SIZE: 12px">Income Essentials (Aust) Pty Ltd 36 Albert Road South Melbourne Vic 3205 | PO Box 7441, St Kilda Road Vic 8004</span><br><span style="COLOR: rgb(92,74,66); FONT-SIZE: 12px">Tel: 03 8677 0677 Fax: 03 8677 0600 Email: </span><a style="COLOR: rgb(92,74,66); FONT-SIZE: 12px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="mailto:essentials@incomeessentials.com.au">essentials@incomeessentials.com.au</a><span style="COLOR: rgb(157,159,162)"></span><br><a style="LINE-HEIGHT: 12px; FONT-SIZE: 12px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Novated-Lease" rel="Next" target="_self"><span style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';">Novated Lease</span></a><span style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px"> </span><span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Associated-Lease" rel="Next" target="_self">Associate Lease</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Vehicle-Operating-Cost" rel="Next" target="_self">Hire Purchase</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Salary-Packaging" rel="Next" target="_self">Salary Packaging</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Salary-Packaging" rel="Next" target="_self">Salary Package</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Salary-Packaging" rel="Next" target="_self">Salary Sacrifice</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Salary-Packaging" rel="Next" target="_self">Remuneration</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Employer-Reporting" rel="Next" target="_self">Employer Benefits</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Employee-Reporting" rel="Next" target="_self"><span style="LINE-HEIGHT: 12px; FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';">Employee Benefits</span></a><span style="LINE-HEIGHT: 12px"> </span><span style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162)">|</span> <span style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px"><a style="FONT-SIZE: inherit" href="http://www.incomeessentials.com.au/Vehicles-&amp;-Fleet-Mgt" rel="Next" target="_self"><span style="COLOR: rgb(153,153,153)" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';">Car Lease</span></a></span><span style="LINE-HEIGHT: 12px"> </span><span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Financelending" rel="Next" target="_self"><span onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';">Car Finance</span></a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Salary-Packaging" rel="Next" target="_self">Flexible remuneration</a> <span style="COLOR: rgb(157,159,162)">|</span><span style="COLOR: rgb(157,159,162)"></span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Salary-Packaging" rel="Next" target="_self">Employer of Choice</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Financelending" rel="Next" target="_self">Chattel Mortgage</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Financelending" rel="Next" target="_self">Commercial Hire Purchase</a> <span style="COLOR: rgb(157,159,162)">|</span><br><a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Financelending" rel="Next" target="_self">Finance Quote</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Salary-Packaging" rel="Next" target="_self"><span>Non-Cash Benefits</span></a><span style="LINE-HEIGHT: 12px"> </span><span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Reporting" rel="Next" target="_self">PAYG</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Vehicle-Operating-Cost" rel="Next" target="_self">Vehicle Running costs</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Vehicles-&amp;-Fleet-Mgt" rel="Next" target="_self">Fleet Management&nbsp;</a><span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Vehicles-&amp;-Fleet-Mgt" rel="Next" target="_self">Vehicle Procurement</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Novated-Lease" rel="Next" target="_self">FBT Management</a><span style="LINE-HEIGHT: 12px">&nbsp;</span><span style="COLOR: rgb(157,159,162)">|</span> <br><a style="COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Vehicle-Insurance" rel="Next" target="_self">Vehicle Insurance</a><a style="LINE-HEIGHT: 17px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Vehicle-Operating-Cost" rel="Next" target="_self"> </a><span style="LINE-HEIGHT: 17px; 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