Growing your. by growing your

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1 Growing your by growing your

2 Strengthening your employee value proposition by supporting your employees wellbeing The unique package of rewards and benefits that define your employee value proposition (EVP) gives your current and future employees a reason to work for you rather than your competition. What s more, there is emerging evidence showing that organisations that invest in strong employee wellbeing programs as a part of their EVP can gain a range of benefits for their employees and their business. First and foremost, employees who are physically, socially, mentally and financially well are not only more likely to be healthy in a physical sense. They are also more likely to have better self-esteem and experience less stress, leading to improved morale, satisfaction and participation at work. Moreover, organisations that grow their people by supporting their wellbeing can also look forward to growing their business. It makes sound commercial sense that a business that can attract, engage and retain the best people through the right program of wellbeing benefits is likely to successfully drive its strategy and achieve real and sustainable bottom-line results.

3 Well employees are likely to be more engaged at work and also: 1 42% 30% 27% more likely to evaluate their overall life highly. more likely not to miss any workdays because of poor health in any given month. more likely to report excellent performance in their job. 37% 45% 59% more likely to say they always recover fully after illness, injury or hardship. more likely to say they adapt well to change. less likely to change jobs in a 12-month period. 1. Gallup, Well-being enhances benefits of employee engagement, 2015, gallup.com

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5 Supporting your employees wellbeing How Sunsuper can help At Sunsuper, we re serious about wellbeing. Recognising the important role wellbeing benefits play in growing your people and growing your business, we are committed to offering a range of services to help you support four factors of wellbeing for your employees. And, in turn, strengthen your EVP. Four factors of wellbeing Financial security Physical health Mental wellbeing Community belonging

6 Financial security While early wellbeing research and recommendations focused on physical and mental wellbeing factors, financial security is now also firmly recognised as a vital factor in a person s overall wellbeing. It makes sense that employees who are confident and comfortable in managing their personal financial situation are likely to be less stressed, more secure, and more focused at work. Sunsuper can help your employees manage their financial position and enhance their financial wellbeing through a number of benefits and services. 80% of people who receive financial advice have more confidence and feel more in control of their finances CoreData research on behalf of Sunsuper, March Sunsuper employees provide advice as representative of Sunsuper Financial Services Pty Ltd (ABN ASFL No ) (SFS) wholly owned by the Sunsuper Superannuation Fund. Sunsuper has established a panel of accredited external financial advisers who are not employees of Sunsuper. Sunsuper is not responsible for the advice provided by those advisers and does not receive or pay any referral fees. These advisers will explain to you how their advice fees are determined.

7 Trusted financial advice Our qualified financial advisers can provide advice about your employees Sunsuper accounts, quickly and simply over the phone at no additional cost. If they need more support or in-depth advice, we can refer them to an accredited external adviser we have personally met and got to know. Before we refer one of your employees to an adviser, we ask ourselves, Is this a person we d trust with a loved one s financial future? If there s any doubt, we don t. We have external advisers located across the country. 3 Complimentary financial education Easy way to manage super To grow your employees understanding and ownership of their financial future, we can deliver education face-to-face at your workplace and in larger forums, where partners of your employees can also attend. We also offer short videos on a range of super topics, as well as recorded seminar presentations, which are available to your employees 24/7. Our education offering is targeted based on factors such as your employees age, stage of life and super balance. Free to download from the App Store and Google Play, the Sunsuper app for members is packed with features to help your employees manage and stay engaged with their super. Once registered, your employees can access the app with Touch ID, check their balance, update their details, receive notifications of contributions and payments, switch their investments, nominate preferred beneficiaries, and more. Access to everyday discounts Planning tools and inspiration Dream Rewards is an everyday discount program exclusive to Sunsuper members. Members can access thousands of exclusive offers and discounts from retailers across Australia on whitegoods, fitness products, clothing, holidays, adventure experiences, and more. By saving on everyday items, your employees may be able to add more to their super to achieve their retirement dreams. At Sunsuper, we recognise everyone has dreams for right now and for their retirement. That s why we ve created the Dream Project, bringing your employees an ever-evolving world of online inspiration and information to help them plan, achieve and enjoy their dreams.

8 Physical health Physically healthy employees are more likely to be present and productive at work. As well as reducing the incidence of a range of common chronic diseases, physical health can also help to reduce stress, promote mental wellbeing, and enhance employee engagement. Sunsuper can support your employees physical health and wellbeing through a number of benefits and services. Absenteeism costs Australian employees almost $5 billion per year SuperFriend, Mental health in Australia, 2016.

9 Helping employees understand their health age Protecting your employees with the right insurance cover Through our strategic partnership with insurer AIA, we invite registered employers of Sunsuper to participate in Australia s Healthiest Workplace by AIA Vitality. Your employees can complete an online assessment to receive a personal health report, including their AIA Vitality Age a scientific measure of all aspects of health, including exercise, nutrition and stress, to calculate their health age as a comparison to their chronological age. It s important for your employees to ensure they and their family will be protected should the worst happen. Depending on their specific Sunsuper superannuation plan, your employees may have access to flexible Death, Total and Permanent Disablement (TPD) and Income Protection (IP) insurance cover. As a fund catering for more than one million members, we are able to negotiate competitive insurance premiums that may not be available to your employees directly. Sunsuper can offer larger employers tailored insurance arrangements for their employees for Death, TPD and IP. Helping you understand your workplace s health Getting your employees back to work faster Also part of our partnership with AIA, Sunsuper registered employers who participate can receive an in-depth organisational health report, detailing the health profile of their workplace. This can open the door to useful strategies to improve health and wellbeing within your organisation. Any of your employees in the Sunsuper-for-life super plan will be able to access Sunsuper s TPD Assist product, which is different from any other total and permanent disability insurance product in the market. It focuses on capability rather than disability, and is all about helping your employees get back to work faster. The product features early intervention, vocational rehabilitation and retraining support and guidance. Waiting periods are removed for the majority of members to encourage early notification and support. In the event of a claim, TPD Assist is normally paid as up to six annual support payments rather than a lump sum. A single lump sum may be paid under TPD Assist in some circumstances.

10 Mental wellbeing Coping with normal stresses of life, working productively, building positive relationships, and contributing to the community are all characteristics of people who are mentally well. A person s work plays an important role in promoting their mental wellbeing through helping to determine and boost their self-esteem and identity, and providing fulfilment and opportunities for social interaction. In turn, employees who are mentally well are more likely to be committed and satisfied with their work, less likely to be absent or leave their employer, and therefore more productive. Sunsuper can support your employees mental wellbeing through our partnership with SuperFriend, a national mental health promotion foundation focused on making it simple for employers to create mentally healthy workplaces. SuperFriend offers a range of resources and programs that registered employers of Sunsuper can access. 5 One in five Australians has taken time off work in the past 12 months because they felt stressed, anxious, depressed or mentally unhealthy SuperFriend, superfriend.com.au 6. Beyond Blue/TNS Social Research, State of workplace mental health in Australia - Heads Up, 2014.

11 Assessing your contribution to your employees mental wellbeing Building your employees engagement and resilience SuperFriend s Wellbeing Works program is an interactive workshop in which SuperFriend will work with a cross-section of your organisation to assess current activities contributing to positive mental health and wellbeing in your workplace, build your knowledge of best-practice mental health promotion, and identify next steps for your business. SuperFriend s Teamtopia program is an innovative, online and face-to-face wellbeing program that uses the scientific principles of positive psychology. After participating, you and your employees can expect to see improved team health and wellbeing, organisational relationships and group functioning. Training for your managers and staff Helping your employees support each other SuperFriend s Mental Health and Wellbeing Training for staff and managers provides employees with the confidence, skills, strategies and tools to ensure they are supported, safe and productive at work. SuperFriend s SuperFit Mates program is an innovative workplace peer-support training program that teaches and empowers employees to become mentors to support the mental health of their colleagues and promote positive mental wellbeing in your organisation.

12 Community belonging Having supportive relationships, liking where you live, and feeling safe and having pride in your community are all key contributors to a person s wellbeing. Sunsuper s research has also shown that our members think it s important for us to meaningfully participate in the communities in which we operate. Sunsuper can help your employees contribute to the community and support important community concerns such as diversity, inclusion and gender equality through a number of our programs and initiatives. In a survey of Sunsuper members, close to 70% of respondents said they feel better about Sunsuper because we help people and communities Survey of Sunsuper s My2Cents community, July ASFA, Superannuation balances by age and gender, 2015, superannuation.asn.au

13 Opportunities to help grassroots groups Programs to support women s financial position Since 2011, our Dreams for a Better World initiative has awarded financial grants to more than 60 charities and not-for-profit groups to help make their dream for a better world come true. Your employees have the opportunity to be a part of the program by submitting their dream for a better world and voting for their favourite dreams. We also invite one Sunsuper member each year to be a part of the grand final judging panel. In addition, we also invite business leaders to be a part of the finalist judging throughout each program year. With women retiring with just over half the super balances of their male peers, 8 we recognise the important role we can play in helping women to maximise their savings. Your female employees can benefit from our targeted communications campaigns, and education materials and events that focus on providing women with real strategies to help build their financial literacy, money management capabilities, and retirement savings. Sunsuper is also a proud founding partner of SheStarts a program designed to help raise the profile of women in leadership, improve women s financial futures, and support gender diversity in technology and Australian business in general. Giving back to our local communities Your employees can rest assured that they are members of a super fund committed to giving back to local communities. Sunsuper is pleased to support initiatives including:

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15 Supporting your business What else can Sunsuper offer? In addition to our commitment to helping you support your employees wellbeing, Sunsuper offers a range of services to help you better understand your employees motivations and their relationship with their super, provide professional development and valued information to your leaders and staff, and easily manage your employer super obligations. Your business will also benefit from partnering with a super fund that is: One of Australia s leading funds In 2017, we outperformed our rivals and cemented our position as one of Australia s leading super funds by winning Chant West s Super Fund of the Year Operated solely for members As a profit-for-members fund, we don t have to consider commercial shareholder requirements. We exist purely to benefit our members, enabling us to direct all profits back to members through enhanced products and services. Among the largest and fastest growing in the industry We are one of the largest and fastest growing superannuation funds in the country with $45 billion in funds under management, more than one million members and more than 90,000 employers. 10 In control of our administration and customer service functions We control and manage our administration and customer service functions in-house, allowing us to deliver better efficiency for you and better services for your employees. Well on the way to a high-performance culture Our values were developed by our people and define the way we work with our customers and each other. We are well on the way to a culture where innovation is prolific and we all believe winning is a team sport. 9. For ratings and awards information, refer to sunsuper.com.au/ratingsagencies 10. As at July 2017.

16 Insights and reporting Information at your fingertips about your employees attitudes and their relationship with their super, as well as the latest HR and business trends can help shape your EVP and improve your business s bottom line. Sunsuper offers a range of insights, reports and benefits to help you better understand your employees, support your leaders and staff, and grow your business. Our industry leading Employee Dashboard reporting facility provides customised insights.

17 Understanding your employees relationship with super Uncovering Australian employees attitudes to work Our industry leading Employee Dashboard reporting facility provides customised insights into your employees demographics and interactions with their super. In collaboration with you, we can then use these insights to deliver targeted communications and activities designed to help your employees make the most of their super. Each year we release the Sunsuper Australian Employee Insights Report. Based on responses from more than 1,000 Australian workers, we provide you with insights into what employees think, want and value from their employer. We are also able to delve further into the research data to provide insights specific to your industry and employees. Partnering with the HR industry Access to global thought leaders In developing the benefits we offer to support your employees wellbeing, we think it s important to engage with and gain insights from leading HR professionals. That s why we invest in the HR community through annual sponsorship of the AHRI National Convention and Exhibition. Through our partnership with AHRI, we can access up-to-date information for our employers on HR issues and trends. Sunsuper s Game Changers series is all about giving business leaders exclusive access to a forum to learn from the experts, network with like-minded people, and change the game in their own industries with confidence and success. Investigating how Australians save and view their super In a special collaboration with Vanguard Investments Australia, the How Australia Saves report presents a deep insight into the attitudes and behaviours of Australians and their super.

18 Easy superannuation administration We want to make it easy for you and your business to manage your employer super obligations. Sunsuper offers a range of super services and support so you can focus on running your business, growing your people, and achieving business results. We want to be the easiest fund in Australia for employers to do business with.

19 Keeping you updated on super Easy payments to multiple super funds We ll help you keep abreast of the latest superannuation rules and legislation, and act as your personal super consultant. Throughout the year, we hold a range of employer events and seminars. We also send regular newsletters and alerts and updates. For eligible employers, the Sunsuper clearing house can take time and burden out of making payments to multiple super funds for employees. Owning our clearing house means we can control the end-to-end payment process, and provide a range of payment options, a dedicated support team, and improved efficiency. Paying employees super simply and securely Dedicated support team Employer Online is our secure employer payment facility that takes the administration hassle out of making your employees super payments. Built in partnership with our employer clients, it has a userfriendly interface to help make the task of paying your employees super faster and easier. We want to be the easiest fund in Australia for employers to do business with. So our relationship management philosophy is based on developing a real partnership with you. We will engage in active and regular consultation with you, and we conduct quarterly Personal Best Index surveys to make sure we are best meeting your needs.

20 If you want to know more about how Sunsuper can support you in growing your business by growing your people, please contact your business development or relationship specialist directly, or call us on ( when overseas) GPO Box 2924 Brisbane QLD 4001 sunsuper.com.au twitter.com/sunsuper facebook.com/sunsuper linkedin.com/company/sunsuper Sunsuper Pty Ltd Sunsuper Superannuation Fund ABN ABN AFSL No SPIN SSR 0100 AU Copyright 2017 Sunsuper Pty Ltd 2065 (08/17) This publication has been prepared and issued by Sunsuper Pty Ltd (ABN ) (AFSL ) ( Sunsuper ) the trustee and issuer of the Sunsuper Superannuation Fund (ABN ). While it has been prepared with all reasonable care, no responsibility or liability is accepted for any errors or omissions or misstatement however caused. All forecasts and estimates are based on certain assumptions, which may change. If those assumptions change, our forecasts and estimates may also change. This document has been prepared for general information purposes only and not as specific advice to any particular person. Any advice contained in this document 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 particular objectives, financial circumstances or needs before acting on any advice. You should consider the relevant Product Disclosure Statement before acquiring any financial product.