Financial Services Guide

Dated: 1 July 2007

Sunsuper Pty Ltd ABN 88 010 720 840, Australian Financial Services Licence No: 228975, RSE Licence No: L0000291, RSE Registration No: R1000337, 30 Little Cribb St, MILTON QLD 4064

What is a Financial Services Guide?

This Financial Services Guide (FSG) is an important document we are required by law to give you before we can provide you with any financial service/s. The FSG provides you with information about Sunsuper Pty Ltd (‘Sunsuper’, ’we’, ‘us’ or ‘our’) and is designed to help you decide whether to use the financial services we provide.

This FSG also provides important information about:

• the services we offer,
• assisting you in deciding whether to use any of those services,
• how we and our associates are paid,
• any potential conflict of interest we may have, and
• our internal and external dispute resolution procedures and how you access them.

What kinds of financial services are you authorised to provide and what kinds of financial products do those services relate to?

We are licensed to deal in the following financial services and to provide product advice in:

Superannuation

If we provide you with general advice, the advice provided will be of a general nature only prepared without taking into account your objectives, financial situation or needs. Because of this, you should consider the appropriateness of the advice, having regard to your objectives, financial situation and needs before acting on it.

If we provide you with personal advice we will tell you we have taken into account your objectives, financial situation or needs. We will also provide you with a Statement or Record of Advice disclosing the advice and the basis of the advices we have provided to you. If we provide you with a service that relates to the acquisition, or the possible acquisition, of an interest in a particular fund, you should obtain a Product Disclosure Statement (PDS) relating to the product and consider the PDS before making any decision about whether to acquire the product.

We provide these financial services in relation to the Sunsuper Superannuation Fund. From time to time, we may approve financial services in relation to other superannuation products on a one-off basis.

Who is responsible for the financial services provided?

Sunsuper Pty Ltd is licensed under the Corporations Act to provide the services outlined in this FSG. Sunsuper is responsible for any financial services provided to you, including the distribution of this FSG.

Do you have relationships or associations with a financial product issuer?

We do not act as a representative of any other product issuer in relation to the services we provide. However, we may refer you to our wholly owned subsidiary, Sunsuper Financial Services Pty Ltd, ABN 50 087 154 818, AFSL No. 227867, or external providers with your permission, for the provision of personal financial services advice.

What information do you maintain in my file and can I examine my file?

We maintain a record of your personal details including your account balance, the investment options in which you have invested and the transactions relating to your account. We have a privacy policy which ensures the privacy and security of your personal information. A copy of our privacy policy is available on request or on the Sunsuper website. If you wish to examine your file, please ask us. We will make arrangements for you to do so.

How can I give instructions about my financial products?

Initial instructions are generally provided by completing the Membership application form attached to, or accompanying, the PDS. Further instructions can generally be made by phone, in writing or over the internet, depending on the nature of the instructions. Please read the PDS for further information on the options available.

How will I pay for the services provided?

Sunsuper receives fees for managing the Fund which are deducted from members’ account balances. All fees and charges are set out clearly in the PDS.

How are any commissions, fees or other benefits calculated for providing the financial services?

Employees and representatives of Sunsuper Pty Ltd, who provide you with advice, are remunerated by way of a salary package, a portion of which is payable on achievement of agreed key performance indicators (KPIs).

The calculation of the performance based component of remuneration is based on individual, team, and corporate performance (including meeting service and compliance standards). The payment is not guaranteed and is not based on funds contributed under advice. The Board of Sunsuper determines if the corporate KPIs have been achieved.

In accordance with industry Codes of Practice, we will disclose if we accept any relevant alternative remuneration (eg sponsorship to conferences, gifts, accommodation, entertainment, computer hardware and software). We do not currently accept any such remuneration from external product providers.

Will anyone be paid for referring me to you?

There are no fees payable for referrals made to us.

What should I do if I have a complaint?

If you have a complaint about the service provided to you or the super fund, you can access our internal disputes resolution process at no cost to you. Contact us to discuss your complaint:

Customer Service Hotline: 13 11 84
Sunsuper Complaints Officer
GPO Box 2924
Brisbane Qld 4001

We will do everything within our power to resolve the issue as quickly as possible. If you are still not happy or if Sunsuper has not responded within 90 days, you can contact the Superannuation Complaints Tribunal (SCT). This is an independent body set up by the Government to help resolve complaints through conciliation.

They may be contacted as below:
The Secretariat
Superannuation Complaints Tribunal
Locked Bag 3060
GPO Melbourne Vic 3001
Phone: 1300 780 808

Access to the SCT is free of charge.

Please note that the scope of matters which the SCT can deal with is limited by legislation, and it is possible that the SCT cannot deal with your matter. They will advise you if they will deal with your complaint, and if so, what information you need to supply.