Starting a new job is a great time to review your super.

Congratulations on your new job!

We’re proud to be your employer’s chosen default super fund.

PricewaterhouseCoopers Employees Superannuation Plan

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Why Sunsuper?

We’ve been recognised as the best of the best when it comes to super, taking out Money Magazine’s Best Super Fund Manager, as well as SuperRatings’, Chant West’s and Super Review’s fund of the year awards.

As one of Australia’s largest and fastest growing super funds we have more than one million Australians1 trusting us to look after their super.

Being a profit-for-members fund, everything we do is designed to help turn our members' retirement dreams into more than dreams.

Your employer has chosen Sunsuper as their default super fund after carefully considering what we’ve got to offer and how we compare to other super funds. This means PricewaterhouseCoopers will make their super contributions for you into Sunsuper, unless you instruct them otherwise.

Take a look at our key benefits and features and join the wave of people moving towards their dream future with Sunsuper.

Wise investments, strong performance2

Advice and financial planning services

Employer-paid administration fees

Great discounts with Dream Rewards

$47 billion under management1

Flexible insurance solutions

One of Australia’s most awarded funds.3

1As at October 2017 2Our Balanced option for Super-savings accounts, which has identical investments to the Balanced Pool in the Lifecycle Investment Strategy, has outperformed the industry average over 1, 3 , 5, 7 and 10 years (source: SuperRatings Fund Crediting Rate Survey October 2017). Past performance is not a reliable indication of future performance. 3For ratings and awards information, sunsuper.com.au/awards

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Eligible permanent employees automatically receive the default standard cover up to a maximum of $1,500,000 without the need to provide evidence of heath.

Casual employeesCasual employees are automatically provided with $50,000 of Death and TPD cover on a Fixed Cover basis. Once you reach age 61, Standard TPD cover reduces by $5,000 p.a. until your 67th birthday, when cover ends.

Are you eligible for automatic cover?Eligibility conditions are outlined in the Sunsuper for life Corporate Plan guide available at sunsuper.com.au/pwcsuper

Changing your cover amountYou can change your level of cover anytime. Some evidence of good health may be required when increasing cover.

Who pays for your insurance cover?The cost of your insurance cover is deducted from your account, so there is no impact on your take-home pay.

Bring your current cover with you

You may be eligible to transfer existing insurance cover provided by an insurance

policy or another superannuation fund.

You can apply to transfer up to $2,000,000 of Death and TPD cover by completing a Transfer of insurance cover form available at sunsuper.com.au/pwcsuper

Important – You should not cancel your existing cover until you have received confirmation from us that your transfer request has been accepted.

For more information about cover and premiums, please refer to the Sunsuper for life Corporate Plan guide available at sunsuper.com.au/pwcsuper

Expert advice helps you dream with your eyes open

There’s no ‘one size fits all’ with super. We all have different needs at different stages, and getting the right financial advice now can make a huge difference to your lifestyle in retirement.

We can help you make sure you’re on the right track for the future.

Our financial advisers4 can help with questions about your Sunsuper account over the phone, most often at no additional cost. For more complex requirements, one of our accredited external advisers5 around the country can help you plan into and through retirement.

Wise investments, strong performance

Our investments are managed by a highly experienced internal team with the assistance of external investment partners and advisers.

The success of this investment structure and philosophy is demonstrated by Sunsuper maintaining strong investment performance over the long term2.

We have a broad range of investment options. To help you decide which option is most appropriate for you, try our investor profile quiz at sunsuper.com.au/investor_profile

If you don’t make an investment choice, your money will be invested in our Lifecycle Investment Strategy.

Full details on the investment options can be seen in the Sunsuper for life Investment guide available at sunsuper.com.au/pwcsuper

Members first, and only

We’re a profit-for-members fund, so any profits are reinvested to provide lower fees, better services and product innovations.

Insurance solutions to protect your dreams

Sunsuper provides access to flexible Death and Total and Permanent Disability (TPD) insurance cover to keep you, or those close to you protected if something unfortunate were to happen.

Death and TPDIf you’re eligible, you will automatically be provided with the standard Death and TPD insurance cover.

The following standard insurance cover is available:

Permanent employees

Level 15% x Salary x Years of

Future Membership to

age 67

Level 210% x Salary x Years of

Future Membership to

age 67

Level 3 (default cover)

15% x Salary x Years of

Future Membership to

age 67

Level 420% x Salary x Years of

Future Membership to

age 67

Level 525% x Salary x Years of

Future Membership to

age 674Sunsuper employees provide advice as representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS), wholly owned by the Sunsuper Superannuation Fund. 5Sunsuper has established a panel of accredited external financial advisers who are not employees of Sunsuper. Sunsuper is not responsible for the advice provided by these advisers and does not receive or pay any referral fees. These advisers will explain to you how their advice fees are determined. Advice of this nature may incur a fee.

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Dream Rewards

We’ve partnered with a number of companies to provide exclusive offers to our members.6

Once you’re a member we’ll email you to keep you up-to-date on our offers.

Some of these companies are:

We’ll make sure we keep you up to date on our offers.

Dreams for a Better World

Sunsuper’s Dreams for a Better World program supports grassroots community organisations that make a real difference to the lives of thousands of Australians. Since 2011, we have

awarded financial grants to more than 90 not-for-profit organisations and community groups to help make their dream for a better world come true.

At Sunsuper, we believe we have a responsibility to support the communities in which we operate. And our members agree.7

We are proud to support local organisations that are making a big impact in the community, like the Pyjama Foundation. With the help of their Pyjama Angel volunteers, the Pyjama Foundation is empowering children in foster care with learning, life skills and confidence to change the direction of their lives. We’ve also supported MEGA, a national exercise group for mums offering free or low cost fitness classes; Albatross Nippers, offering young people of all abilities the chance to participate in Nippers; Clean as Casper, an organisation offering mobile shower facilities for the homeless; and Homestead for Youth, which supports young people affected by mental health issues and abuse by involving them in programs to rehabilitate injured animals.

Find out more about our grant winners and their stories at dreamsforabetterworld.com.au

Fees and costs

Below is an example of the ongoing fees and costs you would pay in our default Lifecycle Investment Strategy.

The actual cost to you depends on the option(s) you’re invested in. Refer to the Sunsuper for life Investment guide for the current estimated investment fees for all options.

When you compare investment fees charged to your account, it is also important that you consider and compare the net return, after all fees and costs, that the investment provides.

Our Balanced investment option for Super-savings accounts, which has

identical investments to the Balanced Pool in the Lifecycle Investment Strategy, has outperformed the industry average over 1, 3, 5, 7 and 10 years8. It is important to note that past performance is not a reliable indication of future performance. Refer to sunsuper.com.au/performance for information on the performance of our investment options.

Our profit-for-members philosophy means our members benefit through lower administration fees and improved services – where dividends for shareholders and commissions to advisers don’t get in the way of your dreams. Sunsuper’s administration fees are among the lowest and fairest you will find. With Sunsuper you pay no entry fees and no commissions.

Type of fee9 Amount How and when paid

Administration fee

$1.00 per week plus Paid by your employer.

0.08% p.a. on the first $800,000 of your account balance.

Generally deducted from your account balance weekly.

Investment fee0.26% p.a. (being 0.23% p.a. base fee plus 0.03% p.a. performance-related fee) of your account balance.10

Deducted daily from the investment option as part of the calculation of daily unit prices.

Indirect cost ratio 0.62% p.a.11

Not charged by Sunsuper, but instead is incurred within the underlying investments and deducted from investment returns prior to the calculation of daily unit prices.

8Source: SuperRatings Fund Crediting Rate Survey October 2017. 9Other fees may apply, for example if you make a withdrawal or receive personal financial advice. Refer to the Sunsuper for life PDS for full fee details. 10Estimated Investment fees are our best estimates based on recent experience and our current long-term expectations. 11The indirect cost ratio is calculated using actual costs and reasonable estimates of actual costs incurred.

6Sunsuper is not an agent, dealer or promoter of the products and/or services offered. Sunsuper does not endorse these products or services. Offers are subject to change at any time. 7Source: Survey of Sunsuper’s My2Cents community, July 2017.

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We're here to help

If you have any questions call us on 13 11 84, Monday to Friday 8:00am to 6:30pm.

We want to help our members reach their retirement dreams.

Next steps

1. Read the PricewaterhouseCoopers Employees Superannuation Plan Corporate Product Disclosure Statement and consider if Sunsuper is right for you.

2. If you want to become a Sunsuper member you don’t need to do anything else right now, unless you are a permanent employee and would like to upgrade your insurance (see point 3). Your employer will pay your super contributions to us automatically. Once we receive your first contribution, we’ll set up your account and contact you to complete any missing information.

3. If you would like to receive more than the default cover without the need to provide medical evidence, you’ll need to make sure you apply within 120 days of joining your employer. To apply, complete and return a Membership application form available at sunsuper.com.au/pwcsuper

You can find a copy of the Product Disclosure Statement and more information about the plan at sunsuper.com.au/pwcsuper

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Sunsuper Pty Ltd Sunsuper Superannuation FundABN 88 010 720 840 ABN 98 503 137 921 AFSL No. 228975

MySuper Authorisation 98 503 137 921 996Unique Super Identifier (USI) 98 503 137 921 001

Sunsuper is a member of The Association of Superannuation Funds of Australia Limited (ASFA).

13 11 84 (+61 7 3121 0700 when overseas)

GPO Box 2924 Brisbane QLD 4001

sunsuper.com.au

Super Fund of the Year 2017

Best Corporate Solution

Important information:

For ratings and awards information, visit sunsuper.com.au/ratingsagenciesYour employer is not responsible for the preparation of this document. They are not providing advice or a recommendation in relation to this investment. This document has been prepared and issued by Sunsuper Pty Ltd (ABN 88 010 720 840) (AFSL 228975), the trustee and issuer of the Sunsuper Superannuation Fund (ABN 98 503 137 921). Any advice contained in this document is general advice only and does not take into account any particular person’s objectives, financial situation or needs. Accordingly, you should consider how appropriate the advice is to your own objectives, financial circumstances and needs before acting. You should consider the Product Disclosure Statement before acquiring any financial product. A Product Disclosure Statement (‘PDS’) is available by visiting sunsuper.com.au/pwcsuper or calling 13 11 84.

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