Smartsalary is Australia's largest salary packaging and novated leasing provider, servicing over 100 organizations and 87,000 employees. They offer a fully outsourced solution to manage salary packaging programs, taking the administrative burden off clients. Key benefits include dedicated client support, payroll integration, tax and risk management, and innovative online tools for employees. Outsourcing to Smartsalary provides organizations attract and retain top talent while increasing employees' take-home pay through pre-tax benefits.

1. Simply
Smarter
Salary
Packaging.

2. Who is Smartsalary?
Australia’s most awarded salary packaging
and novated leasing company.
Established in 2001, Smartsalary
is Australia’s most awarded salary
packaging and novated leasing
company, offering services to
over 100 organisations and
over 87,000 employees.
We specialise in servicing large
corporate clients, Commonwealth
and State Governments, major
health care groups, and other Public
Benevolent Institutions in every state
and territory across the country.
Smartsalary has fifteen nationwide
locations and a workforce of over 250
staff. Our clients are supported by a
dedicated client relationship manager,
customer service centre, team of
national sales consultants, and a
marketing team that communicates
the benefits of salary packaging.
Smartsalary was ranked as one
of the fastest growing firms by the
Business Review Weekly Fast 100
three years in a row. We’ve also been
awarded the Hudson Business Award
at the Telstra Business Awards.
Even more important than being an
award winner, Smartsalary is working
towards accreditation as a Hewitt Best
Employer, and has been accredited
by the Customer Service Institute
of Australia (CSIA) since 2008.
In 2011, Smartsalary was nominated for
two CSIA Service Excellence Awards
- Customer Charter and Customer
Service for a Small to Medium business
(0-500 employees). Smartsalary won the
category for Small to Medium business
in NSW and was highly commended
and awarded second place in the
national awards for the same category.

3. Why an outsourced salary packaging solution?
People, reducing risk
and increasing your
bottom line are the
keys to choosing
Smartsalary.
To attract and retain
the best staff
With employees coming to expect salary
packaging as part of their remuneration
and benefits package, its implementation
has become necessary in order to
attract and retain the best talent in this
competitive employment market.
Studies in recent years have drawn
links between effective salary
packaging programs and:
• shorter recruitment cycles
• lower recruitment costs
• decreased staff churn
Research by Ernst & Young* found
employee satisfaction improved by
21% when salary packaging was
introduced. As an added bonus,
human resources (HR) administration
time was sharply reduced.
The same Ernst & Young research
confirmed that organisations who offered
salary packaging were able to attract
higher calibre recruits, faster. These
organisations were also significantly
more likely to retain their talented staff
- spending less time and money on
training and people development.
To remove the burden of
risk from your workplace
With workplace regulations, Fringe
Benefits Tax (FBT) and statutory
requirements to consider, it’s no
wonder HR departments are wary of
taking on the additional stress of an
in-house salary packaging program.
The requirements associated with
managing such a program include
reconciliation of data between
different payroll systems, correcting
processing errors, calculating payroll
details and responding to enquiries
from employees about their salary
packaging arrangements.
In addition, lack of specialised
knowledge in the field increases
the likelihood of:
• high administration costs
• operational inefficiencies
• compliance issues
These represent organisational risk
to the organisation. Fortunately,
Smartsalary’s outsourced solution is
an affordable alternative to keeping
the program in-house, and takes the
administrative burden off your hands.
To reap financial and
administrative benefits
A properly managed, outsourced
salary packaging program designed
with your employees in mind will
benefit not just them, but also your
organisation’s bottom line.
In fact, Smartsalary can help you
increase the take-home pay of your
employees at no extra cost to your
organisation by making it simple for
them to pay for cars, laptops and other
items out of their pre-tax salary.
*Salary Packaging: the heavy artillery in the war for talent, a report by Ernst & Young
2

4. Why Smartsalary?
Put simply, we take care of everything
at no additional cost to your organisation.
Total account management
Our commitment to service sets
us apart from the rest. Right from
the beginning we provide your
organisation with a dedicated client
relationship manager who:
• tailors a program to meet the
needs of your organisation
• oversees the implementation
of the program
• continues to be your main point
of contact for the management of
the salary packaging program
Every business is unique – so every
salary packaging solution should
be too. We’ll work with you and
your team to make sure we always
provide the best range of products
and services to your organisation.
Quality reporting
We provide all the necessary finance
and tax reports both throughout
the year and at the end of the FBT
reporting period. Every report is easy
to read, and we comply with your
company’s reporting deadlines.
In addition, we provide in-depth
reporting for your employees, which
they can access via their unique
online salary packaging account.
Industry leading payroll
integration system
Our unique, custom built system means
there is no administrative burden when
you implement salary packaging. Our
software links directly to your payroll
system and automatically generates all
required salary packaging deductions.
In fact, our system currently integrates
with over 20 different payroll systems.
Tax and risk management
Compliance in salary packaging is
essential to avoid costly tax exposure.
Smartsalary is committed to delivering a
tax management and compliance service
that is superior to that of other providers.
In fact, we believe that we’re the most
reliable and effective manager of taxation
risk in the salary packaging marketplace.
Smartsalary’s in-house team of
employment tax specialists are directly
responsible for product and process
compliance across all employee benefits.
Organisations who outsource their salary
packaging to Smartsalary can expect:
• Fully compliant benefit
rules and processes
• Timely and expert assistance in
relation to salary packaging issues,
queries and ATO guidelines
• Regular review of employee claims and
benefit processes to minimise tax risk
• Timely analysis, explanation and
implementation of legislative
changes as they occur.
Personal Account Manager
3 | Simply Smarter Salary Packaging

5. Satisfied employees
A dedicated website specific to your
organisation is an important part
of our tailored solution. It contains
everything you and your employees
need to know about the products
and services Smartsalary provides.
As part of the website, every employee
has their own Smartsalary account where
they can track payments and manage
their salary packaging account online.
Our Customer Service Centre is
on hand to answer any customer
queries. We are open 8am to 8.30pm
(EST) Monday to Friday, as well as
10am to 2pm (EST) on Saturday.
Alternatively, customers can contact us
via a dedicated email address specific to
your organisation.
Customer service is our highest
priority, so we use the Net Promoter
Score (NPS) as a metric to measure
customer loyalty. In fact, some of
the world’s best companies, like
Apple, Amazon and Sony also use
NPS to measure customer loyalty.
Value through innovation
We are constantly developing new
ways to better service our customers.
Our industry leading Smartphone
application is available on Apple
and Android powered devices. It
allows employees to manage their
salary packaging account on the go.
Whether they want to keep track
of their novated lease or simply
check their account balance, our
Smartphone application can help.
In addition, our unique online claiming
system lets your employees submit
claims online, rather than keeping track
of paper claims. The system allows
them to scan and submit receipts online
and facilitates faster reimbursement.
Ongoing service and support
Exceptional service levels and
maintaining strong partnerships with
our clients are vital to our success. We
establish Service Level Agreements
(SLA) and Key Performance Indicators
at the beginning of our engagement and
we’re committed to meeting them.
Our service and support is ongoing. We
arrange regular meetings with you and
your team to ensure your employees
have all the education and information
they need about salary packaging. In
addition, we’ll provide you with detailed
reporting to track our adherence to SLAs.
Innovation ValueQuality Reporting Satisfied Staff
Why choose Smartsalary? Watch the video here >>
4

6. As a three way agreement between
you, your employee and a finance
company, a novated lease is a great
way to add an extra incentive into an
employee’s remuneration package.
Even better news - there is no financial
overhead for your organisation.
Business advantages
• Offers an alternative to
operating leases.
• Takes away the necessity of
recording the car as an asset
or liability to the business.
• Offers employers registered for GST
the ability to claim an input tax credit
on any GST paid on the lease.
• Minimises risk by placing the
responsibility on the employee -
should they leave the organisation,
the novated lease immediately
becomes their responsibility to
manage and reverts to a two way
agreement between themselves
and the financier. This is specified
in the Novation Agreement.
• Offers income tax paying entities
an income tax deduction for all
payments made under the agreement,
including lease rental payments.
Advantages to employees
• Increases their take home
pay because lease payments
and all running costs are paid
for with pre-tax dollars.
• No GST paid on running costs and
the purchase price of the vehicle (up
until the Luxury Car Tax Threshold).
• Vehicle discounts and a vehicle
procurement service are part of
the Smartleasing solution.
• Convenience of fuel cards
through multiple providers.
• Wide range of additional products and
services such as small damage repair,
extended warranty, competitively
priced insurance products and more.
• Finance only options available.
Visit www.smartleasing.com.au for more information.
Novated leasing services with Smartleasing
Smartleasing is Smartsalary’s
specialist novated leasing division.
Extra Income Incentives
5 | Simply Smarter Salary Packaging

7. What next?
If you are considering outsourcing a
salary packaging program, here are some
questions that you should consider:
What customer service benchmarks have been established by the provider?
Will the provider commit to regularly visiting your workplace?
Does the provider offer online access and self service functionality?
Does the provider offer a convenient way for your employees to make a claim online?
Does the provider offer a smartphone application that allows your employees to manage their salary
packaging account on the go?
How effective is the provider in demonstrating that their salary packaging programs will pass Australian
Taxation Office scrutiny and audits?
Will the provider accept responsibility of FBT liabilities resulting from processing or other errors?
Will financial and service reports be available from the provider within 5 business days of month end?
Will the provider clearly convey information about amendments to tax laws as they are made available?
Further, will client records be updated to reflect any legislative or regulatory changes to law?
Does the provider give you the option to provide feedback on their service through a variety of channels?

8. Find out more
Call or go online today for
more information, or to set up
a consultation with one of our
Business Development Managers.
Call 1300 665 855
smartsalary.com.au