1 If your account balance for a product offered is less than $6,000 at the end of the financial year, the total combined amount of administration fees, investment fees and indirect costs charged to you is capped at 3% of the account balance. Any amount charged in excess of that cap must be refunded.

2 Actual investment fees for the full range of investment options may be higher or lower than the costs expressed above. For information on investment fees, including estimated fees for our full range of options, refer to Additional explanation of fees and costs in the Sunsuper for life guide.

3 Some Sunsuper for life Business or Sunsuper for life Corporate plans may have different fee arrangements. Refer to your Sunsuper for life Business Plan information factsheet or your Sunsuper for life Corporate PDS, for more information.

4 We are reviewing our buy-sell spread policy. If buy spreads and sell spreads are introduced, they are estimated to be 0.10%/0.15% for the Lifecycle Investment Strategy. These are estimates and actual buy and sell spreads may be different and fall within the range outline. Refer to the Sunsuper for life Investment guide for more information about buy and sell spreads. The latest buy and sell spreads for each investment option an be found at sunsuper.com.au/pds

5 With the exception of personal advice - refer to Additional explanation of fees and costs in the Sunsuper for life guide

6 Sunsuper for life Business members should refer to the Sunsuper for life Business Insurance guide and Plan information factsheet. Sunsuper for life Corporate members should refer to the Sunsuper for life Corporate Plan Guide.

7 The indirect cost ratio is calculated using actual costs and reasonable estimates of actual costs incurred and can vary each financial year. For information on indirect cost ratios, including the ratios for our full range of options, refer to Additional explanation of fees and costs in the Sunsuper for life guide.

8 The indirect cost ratio for the Balanced Pool is 0.42% p.a., Retirement Pool is 0.45% p.a. and Cash Pool is 0.00% p.a. The indirect costs incurred will vary depending on your allocation to each Pool. The 0.40% p.a. indirect cost ratio show is estimated based on 90% Retirement Pool, 10% Cash Pool.

NOTE: If you have more than one account with Sunsuper, the fee cap applies to each individual account and is not aggregated across multiple accounts.