Fees and costs. Accumulation 1 and Spouse Account members. Inside. A A Queensland University of Technology

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1 Fees and costs Accumulation 1 and Spouse Account members The information in this document forms part of the UniSuper Accumulation 1 Product Disclosure Statement and the UniSuper Spouse Account Product Disclosure Statement both issued on 1 October This document was prepared on 1 October Inside Fees and costs 1 Additional explanation of fees and costs 2 A A Queensland University of Technology

2 SuperRatings, a superannuation research company, has awarded UniSuper a 10-year Platinum Performance rating for its Accumulation 1 and Accumulation 2 products. Go to for details of its rating criteria. SuperRatings does not issue, sell, guarantee or underwrite this product. Chant West has awarded UniSuper a 5 Apples rating for its Accumulation 1 and Accumulation 2 products in 2015, and Super Fund of the Year and Investments Best Fund in its 2015 awards. For further information about the methodology used by Chant West, see Chant West has given its consent to the inclusion in this document of the references to Chant West and the inclusion of the logos and ratings or awards provided by Chant West in the form and context in which they are included. This document contains information about the fees and costs for each of our investment options and more detail about other fees and costs associated with Accumulation 1 and Spouse Account membership. Information contained in this document which is not materially adverse may change from time to time. Updated information can be found on our website or by contacting us. In this document, UniSuper is referred to as UniSuper or the Fund, ABN UniSuper Limited is referred to as USL or the Trustee, ABN UniSuper Management Pty Ltd is referred to as USM, ABN , AFSL No UniSuper s MySuper authorisation number is

3 Fees and costs ACCUMULATION 1 and spouse account 1 Fees and costs UniSuper members benefit from the savings we achieve as one of the largest super funds in the country savings we pass on to you through competitive fees. This document shows fees and other costs that you may be charged. These fees and costs can be paid directly out of your account, from the returns on your investment or from the assets of the superannuation entity as a whole. Other fees, such as activity fees, advice fees for personal advice and insurance fees, may also be charged, but these will depend on the nature of the activity, advice or insurance you choose. Tax costs are set out in our How super is taxed booklet and insurance costs in our Insurance in your super booklet. You should read all the information about fees and costs because it is important to understand the impact on your investment. This table shows the fees and other costs for the Balanced (MySuper) investment option. The fees and other costs for other investment options are set out on the next page. Accumulation 1 and Spouse Account Type of fee Amount How and when paid Investment fee Nil Not applicable. Administration fee $96 per annum ($8 per month). $8 per month is deducted directly from your account. If you have any part of your account invested in the Balanced (MySuper) investment option the whole of this amount will be deducted from this option. If you do not have an investment in the Balanced (MySuper) option, the fee will be deducted proportionally across the investment options in your account. Buy-sell spread Nil Not applicable. Switching fee The first switch per account in a financial year is free of charge. All subsequent switches will be charged a fee of $15.80 per switch. The fee is deducted proportionally from the investment option(s) you have chosen. For members with an investment in the Balanced (MySuper) option prior to submitting their request, the fee will be deducted in full from this option prior to the switch being completed. Exit fee Nil Not applicable. Advice fees 1 Nil Not applicable. Other fees and costs Indirect cost ratio (ICR) Balanced (MySuper) investment option 0.52% 2 per annum The ICR accrues daily and is deducted from the Balanced (MySuper) investment option and any other investment option(s) (as relevant). Further fees and costs may apply. For further information, refer to Additional explanation of fees and costs on page 2. 1 Relating to all members investing in a particular MySuper product or investment option. 2 The ICR shown above is indicative only and is based on the ICR for this investment option for the year ended 30 June The actual amount you will be charged in subsequent financial years will depend on the actual fees, costs and taxes incurred by the Trustee in managing the investment option.

4 2 Fees and costs ACCUMULATION 1 and spouse account Investment option ICRs for the year ended 30 June 2015 Cash 0.20% Australian Bond 0.23% Capital Stable 0.33% Conservative Balanced 0.39% Diversified credit income # 0.40% Balanced 0.52% Sustainable Balanced 0.32% Growth 0.58% High Growth 0.63% Sustainable High Growth 0.35% Listed Property 0.48% Australian Shares 0.64% Additional explanation of fees and costs Indirect cost ratio (ICR) The ICRs for the year ended 30 June 2015 can be viewed in the table on the left or online at unisuper.com.au/investment-costs. ICRs show the total indirect costs attributed to each of our investment options (excluding the fees that are charged directly to your account) as a percentage of the average net assets of the relevant investment option. We do not directly deduct any performance-based fees from member accounts. However, some external investment managers may be entitled to receive performance-based fees if they generate strong investment returns. These are included in the ICR and are indirectly borne by members invested in an option. In order to receive performance-based fees, a manager must generate returns which exceed an agreed benchmark (in some cases by a margin or hurdle), in which case the manager is entitled to receive a percentage of the excess returns. The amount that can be recouped by any particular manager in one year is generally capped and fees in excess of the cap are carried forward into future years and can potentially be paid in future years, subject to generating adequate returns. If managers fail to generate excess returns in a year, this typically results in a negative amount being carried forward for future years to offset any performance-based fees which may otherwise become payable in future. Note that managers generally manage portfolios comprising assets which relate to multiple investment options. It is not possible to accurately predict the amount of performance-based fees that may be payable in respect of a particular investment option in the next financial year. International Shares 0.59% Global Environmental Opportunities 0.23% Australian Equity Income 0.41% Global Companies in Asia 0.73% # Given this option commenced on 1 September 2014, it has no full-year track record regarding investment expenses. The ICR given above represents the ICR for the period 1 September 2014 to 30 June We estimate that the ICR will be in the vicinity of 0.40%. The actual costs may be higher or lower.

5 Fees and costs ACCUMULATION 1 and spouse account 3 This will depend on: the investment returns generated during the year ahead which managers generate excess returns within their portfolios whether there were negative amounts (or positive amounts) being carried forward in relation to those managers the individual fee arrangements (if any) which had been negotiated with the relevant investment managers the size of the portfolios being managed by those managers, and the proportion of those portfolios which pertain to the relevant investment option. The total amount of performance-based fees incurred by UniSuper across the whole superannuation fund in the year ended 30 June 2015 was $16,117,746. Of this, the amount borne by particular investment options varied between 0% and 0.12% of the assets invested in the option. For the Balanced (MySuper) option, 0.06% was included in its ICR on account of performancebased fees for that financial year. Transaction costs such as brokerage, stamp duty and settlement costs vary depending on how frequently an investment option invests in growth assets, which involve the most brokerage and stamp duty. For options that allocate more than 50% to growth assets, we estimate that these costs will range between 0.05% and 0.15% p.a. For other options, we estimate these costs range from nil to 0.05% p.a. These transaction costs are included in the ICR. Operational Risk Financial Requirement Australian superannuation funds are required to have an Operational Risk Financial Requirement (ORFR). This is required by the Australian Prudential Regulation Authority (APRA) and is intended to ensure that superannuation funds have access to financial resources to cover losses, costs and expenses that may be incurred in the event of an operational risk. This is funded out of new investment-related charges which are included in the ICR for each investment option. This component of the ICR is currently 0.06% p.a. for each investment option. Fees for UniSuper Advice UniSuper Advice is a financial planning service available to UniSuper members and their spouses through UniSuper Management Pty Ltd (USM) ABN Australian Financial Services Licence No which is licensed to provide financial advice services. Members will receive a quote before UniSuper Advice proceeds with personal advice services. The cost of the service provided varies depending on a number of factors including the complexity of the advice sought. You can learn more about the services we provide by referring to our Financial Services Guide Personal Advice and Financial Services Guide General Advice. Where agreed with you, some or all of the advice service may be able to be deducted from your account as an Advice fee to the extent the advice provided relates to your account in UniSuper. Insurance premiums See our Insurance in your super booklet for information on the premiums associated with your insurance cover. Applicable insurance premiums are deducted from your account each month. A fee for administering the insurance agreement is included in the premium cost. Alterations to fees Fees may change without your consent. UniSuper reserves the right to introduce a new fee or change any fees. We will give you 30 days written notice before a new or increased fee takes effect. Tax benefits We will provide you with a 15% contribution tax refund for administration fees and external insurance premiums paid where the tax deduction is available to us. This refund is credited to your account on a monthly basis. GST and stamp duty All fees and costs include GST and stamp duty where applicable. The amount of GST payable may be reduced in certain circumstances as a result of tax credits applicable to the Trustee. BANK FEES The Trustee reserves the right to recover any bank fees incurred on a cost recovery basis.

6 4 Fees and costs ACCUMULATION 1 and spouse account Defined fees This section defines the different fees and costs that are able to be legally charged to your UniSuper account. Not all changes apply to your UniSuper account. Activity fees Activity fees relate to costs incurred by UniSuper s Trustee if they are directly related to a Trustee activity: i. That is engaged in at the request, or with the ii. consent, of a member; or That relates to a member and is required by law; and those costs are not otherwise charged as an administration fee, any investment fee, a buy/sell spread, a switching fee, an exit fee, an advice fee or an insurance fee. UniSuper does not currently charge any activity fees. Administration fees An administration fee is a fee that relates to UniSuper s administration or operation and includes costs incurred by the Trustee of the entity that relate to the administration or operation of the entity, and are not otherwise charged as an investment fee, a buy-sell spread, a switching fee, an exit fee, an activity fee, an advice fee or an insurance fee. UniSuper s administration fee is $96 per annum. Advice fees Advice fees relate directly to costs incurred by UniSuper s Trustee because of the provision of financial product advice to a member by a Trustee of the entity another person acting as an employee of, or under an arrangement with, the trustee of the entity; and those costs are not otherwise charged as an administration fee, an investment fee, a switching fee, an exit fee, an activity fee or an insurance fee. Exit fees An exit fee is a fee to recover the costs of disposing of all or part of members interests in the superannuation entity. No exit fees currently apply to your UniSuper account. Indirect cost ratio The indirect cost ratio (ICR), for the Balanced (MySuper) investment option or another UniSuper investment option, is the ratio of the total of the indirect costs for MySuper or investment option, to the total average net assets of the superannuation entity attributed to MySuper or investment option. A dollar-based fee deducted directly from a member s account is not included in the indirect cost ratio. Investment fees This fee relates to the investment of UniSuper s assets and includes fees in payment for the exercise of care and expertise in the investment of those assets (including performance fees); and costs incurred by the trustee of the entity that: i. relate to the investment of assets of the ii. entity; and are not otherwise charged as an administration fee, a buy-sell spread, a switching fee, an exit fee, an activity fee, an advice fee or an insurance fee. No separate investment fees currently apply to your UniSuper account. All costs relating to investment management are reflected in the ICR. Switching fees This fee recovers the costs of switching all or part of a member s interest in UniSuper from one class of beneficial interest in the entity to another. UniSuper charges a switching fee of $15.80 for the second and subsequent switches in a financial year. You will only be charged an Advice fee if you agree to receive financial advice from UniSuper Advice. The fees will be discussed and agreed with you at this time. Buy-sell spreads A buy-sell spread is a fee to recover transaction costs incurred by UniSuper s Trustee in relation to the sale and purchase of UniSuper assets. No buy-sell spreads currently apply to your UniSuper account.

7

8 CONTACT US Helpline (overseas members) Fax (overseas members) UNISUPER ADVICE (overseas members) Website unisuper.com.au Address UniSuper Level 35, 385 Bourke Street Melbourne Vic 3000 Australia IMPORTANT INFORMATION This document has been prepared and issued by UniSuper Limited ABN (referred to throughout this document as either USL or the Trustee) as Trustee of UniSuper ABN (referred to throughout this document as the Fund). The information in this document is of a general nature only and does not take into account your individual objectives, financial situation or needs. You should consider the appropriateness of the information having regard to your personal circumstances and consider consulting a licensed financial adviser before making an investment decision based on information contained in this document. The value of your investments can go up or down and investment returns can be positive or negative. The Trustee does not guarantee the performance of the Fund s investment options. To the extent that this document contains any information which is inconsistent with the UniSuper Trust Deed and Regulations (together, the Trust Deed) the Trust Deed will prevail. UniSuper Limited 2015 UNISIBR

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