Suncorp Employee Superannuation Plan

Suncorp Employee Superannuation Plan Insurance premium rates guide Issued 29 October 2011

Contents Insurance 3 Why is insurance important? 3 Why have insurance through super? 3 About this guide 3 Understanding the Suncorp Employee Superannuation Plan What type of member are you? 3 Examples of how to calculate premiums 4 Stamp duty 4 Employees of the Suncorp Group and Associate Employers with Standard (Default) Cover 5 Employees of the Suncorp Group and Associate Employers with Standard (Default) Cover and additional, Member Selected cover 6 Family members with cover 8 Employees who have left employment with the Suncorp Group or an Associate Employer and wish to reinstate their cover 9 Insurance cover levels - Standard Cover 10 Death only cover for casual employees 10 Insurance premium rates Standard Cover 11 Death only cover and cover (Standard rates) 11 cover (Standard rates) 12 Insurance premium rates Member Selected Cover 14 Death only cover and cover (Individual rates) 14 Insurance premium rates Reinstated Cover 15 cover (Individual rates) 15 Contact us back cover Insurance Why is insurance important? Today we take out insurance for all our assets, including the car, boat, house and personal valuables such as jewellery. However, many people neglect to insure their most important asset themselves, and their ability to earn an income. Fortunately, the Suncorp Employee Superannuation Plan offers a range of insurance options tailored to help protect you and your family from life s uncertainties. Insurance offered through the Suncorp Employee Superannuation Plan is provided by Asteron Life (Insurer). Asteron Life is part of the Suncorp Group and is an award-winning insurer with a proud heritage of protecting Australians that stretches back for 175 years. Why have insurance through super? By attaching insurance to your Suncorp Employee Superannuation Plan account, you can have your insurance premiums conveniently and tax-effectively deducted from it. Which means it can potentially be cheaper than buying insurance outside super. If you re an eligible employee of the Suncorp Group, you have the added benefit of having your insurance premiums for your Standard (Default) Cover paid for by your employer (including any applicable stamp duty). And in the event of your death, your valid nominated beneficiary may be able to choose to receive your death benefit in the form of a Suncorp WealthSmart Pension. If you are eligible to receive a TPD benefit, we ll pay the benefit to your Suncorp Employee Superannuation Plan account. To access any TPD benefits, you must satisfy a condition of release. If you satisfy a condition of release, we will pay the benefit to you, less any applicable tax. About this guide This guide contains the base insurance premium rates for standard and individual insurance cover and should only be used as an indication. The premiums you pay may depend on your particular circumstances and medical conditions. For more information about what factors may affect your premiums, please see the Suncorp Employee Superannuation Plan PDS and Member Booklet. Understanding the Suncorp Employee Superannuation Plan What type of member are you? There are a number of different types of members within the plan and it s important to know which category you fall into. The following table provides a summary of the different membership categories within the plan: Category name Employed member Non-employed member Who is included in this category? Currently employed members of the Suncorp Group, including currently employed members of GILD Insurance Litigation Pty Ltd (GILD) A member who has left employment with the Suncorp Group or an associated employer Suncorp Portfolio Services Limited (ABN 61 063 427 958, AFSL 237905, RSE Licence No L0002059) is the Trustee and issuer of this guide and takes responsibility for its contents. The Suncorp Employee Superannuation Plan is part of Suncorp WealthSmart Business Super (SPIN RSA0003AU). Suncorp WealthSmart is part of the Suncorp Master Trust (SMT) (ABN 98 350 952 022, RSE Fund Registration No. R1056655). The Trustee is the trustee of the SMT. Insurance cover offered through the Suncorp Employee Superannuation Plan is provided by Asteron Life Limited (Asteron Life) (ABN 64 001 698 228, AFSL 237903) in a non-participating policy issued to the Trustee. Subject to confirmation from the Federal Court, from 1 January 2012, insurance cover offered through the plan will be provided by Suncorp Life & Superannuation Limited (SLSL) (ABN 87 073 979 530, AFSL 229880) and any references to Asteron Life and Asteron Life Limited should be replaced by SLSL. The Trustee, Asteron Life, SLSL and Suncorp-Metway Limited (ABN 66 010 831 722, AFSL 229882), are related bodies corporate of Suncorp Group Limited (ABN 66 145 290 124). Various products and services are provided by different entities of the Suncorp Group. The different entities of the Suncorp Group are not responsible for, or liable in respect of, products or services provided by other entities of the Suncorp Group. The obligations of the Trustee and the Insurer aren t guaranteed by any other company within the Suncorp Group. Except as otherwise stated, Suncorp and its subsidiaries don t guarantee the repayment of capital invested in or the investment performance of this product. This product is not a bank deposit or other liability and is subject to investment risk including possible delays in repayment and loss of the interest and principal invested. The information contained in this guide is of a general nature only and does not constitute financial advice. We haven t taken into consideration your personal objectives, circumstances or financial needs. Before deciding to open an account or continuing to hold an interest, you should consider how the information contained in the Suncorp Employee Superannuation Plan Product Disclosure Statement (PDS) and Member Booklet relates to your own situation. We recommend that you speak to a financial adviser who will be able to help you with your investment and insurance decisions. The information provided in this guide is up to date at the time of preparation. We may change or update this information from time to time. You can get a copy of the Suncorp Employee Superannuation Plan PDS and Member Booklet from our website, or by logging into your Suncorp Employee Superannuation Plan account via Suncorp WealthSmart online, at suncorp.com.au. If you d like a free, printed copy of the PDS and Member Booklet, contact us on 1800 652 489 or staff.super@suncorp.com.au. Associate employee member Family account members Employees of an employer associated with the Suncorp Employee Superannuation Plan, but not employed by the Suncorp Group A family member with a Suncorp Employee Superannuation Plan account linked to an employed, non-employed or associate employee member Suncorp Employee Superannuation Plan Insurance premium rates guide 3

Examples of how to calculate premiums To calculate premiums, you ll need to know: The member s age next birthday The member s gender The sum insured for Standard Cover The sum insured for Member Selected Cover (if applicable) The type of insurance benefit payable, i.e. Death only cover, Death & Total and Permanent Disability (TPD) cover and/or cover For cover, the benefit period and waiting period (for most members, the benefit period is 2 years and the waiting period is 28 days) For casual members who receive a sum insured based on paying an insurance premium of $1 per week, information about the level of insurance cover provided can be found on page 10 of this guide. For all other members, the annual premiums for all other insurance cover (including a fixed benefit amount and salary based cover), can be calculated as: Standard Cover for Death only, and cover Annual premium = Sum insured x Premium rate from table (Standard Cover) Member Selected Cover for Death only, and reinstated cover Annual premium = Sum insured x Premium rate from table (Individual Cover) Employees of the Suncorp Group and Associate Employers with Standard (Default) Cover All rates assume acceptance of insurance on standard terms and conditions, with no exclusions or loadings and are charged at standard rates. Insurance premiums are deducted from your account balance on or around the 1st of each month. Example 1 George has just turned 25, works in the Call Centre and earns $50,000 pa (excluding super). He has Standard (Default) Cover, which was provided to him when he joined the Suncorp Employee Superannuation Plan. To calculate the cost of his insurance premium, the following steps need to be completed: Step 1 Calculate George s sum insured Standard (Default) Cover Standard (Default) Cover = 17.5% of salary x future years & complete days of service to age 70 = (0.175 x $50,000) x 45 = $393,750 of cover = 75% of salary = 0.75 x $50,000 = $37,500 annual benefit = $3,125 monthly benefit (annual benefit 12) Step 2 Calculate the annual cost of George s insurance premiums Stamp duty Stamp duty is payable in addition to premiums and varies by state or territory. For cover, any stamp duty charged is already included in the TPD element of the premium. = Sum insured x Premium rate from table (Standard Cover) = $393,750 x 0.52 = $204.75 annual insurance premium for cover = $37,500 x 2.6917 = $100.94 annual insurance premium for cover Step 3 Calculate the monthly cost of George s insurance premiums = annual insurance premium 12 = $204.75 12 = $17.06 monthly insurance premium for cover = annual insurance premium 12 = $100.94 12 = $8.41 monthly insurance premium for cover Step 4 Calculate the total annual and monthly cost of George s insurance premiums Total annual premium (use amounts from Step 2) Total monthly premium (use amounts from Step 3) = premium + premium = $204.75 + $100.94 = $305.69 total annual premium = premium + premium = $25.47 total monthly premium 4 Suncorp Suncorp Employee Superannuation Plan Insurance premium rates guide 5

Employees of the Suncorp Group and Associate Employers with Standard (Default) Cover and additional, Member Selected cover All rates assume acceptance of insurance on standard terms and conditions, with no exclusions or loadings. Rates are applied based on the following: Standard (Default) Cover is changed at standard rates Additional, member selected cover above the Standard (Default) Cover amount is charged using individual rates Insurance premiums are deducted from your account balance on or around the 1st of each month. Example 2 James has just turned 35, is a Team Leader in the Call Centre and earns $65,000 pa (excluding super). He has Standard (Default) Cover, which was provided to him when he joined the Suncorp Employee Superannuation Plan and he has previously applied for and been accepted for an additional $200,000 of Member Selected cover. To calculate the cost of his insurance premium, the following steps need to be completed: Step 1 Calculate James sum insured Standard (Default) Cover Member Selected cover Total cover Standard (Default) Cover = 17.5% of salary x future years & complete days to service to age 70 = (0.175 x $65,000) x 35 = $398,125 of cover = $200,000 additional cover = Standard (Default) Cover + Member Selected cover = $398,125 + $200,000 = $598,125 total cover = 75% of salary = 0.75 x $65,000 = $48,750 annual benefit = $4,062.50 monthly benefit (annual benefit 12) Step 2 Calculate the annual cost of James insurance premiums Step 3 Calculate the monthly cost of James insurance premiums = annual insurance premium 12 = $358.91 12 = $29.91 monthly insurance premium for cover = annual insurance premium 12 = $161.28 12 = $13.44 monthly insurance premium for cover Step 4 Calculate the total annual and monthly cost of James insurance premiums Total annual premium (use amounts from Step 2) Total monthly premium (use amounts from Step 3) = premium + premium = $358.91 + $161.28 = $520.19 total annual premium = premium + premium = $43.35 total monthly premium Standard (Default) Cover (per Example 1) = $230.91 annual insurance premium for Standard (Default) Cover Member Selected cover = Sum insured x Premium rate from table (Individual Cover) = $200,000 x 0.64 = $128.00 annual insurance premium for Member Selected cover Total premium for = Standard (Default) Cover insurance premium + Member Selected cover insurance premium = $230.91 + $128.00 = $358.91 total annual insurance premium for cover (per Example 1) = $161.28 annual insurance premium for cover 6 Suncorp Suncorp Employee Superannuation Plan Insurance premium rates guide 7

Family members with cover All rates assume acceptance of insurance on standard terms and conditions, with no exclusions or loadings and are charged at individual rates. Insurance premiums are deducted from your account balance on or around the 1st of each month. Example 3 Gina has just turned 25 and has applied for $350,000 of cover. Gina has no medical conditions and does not participate in any hazardous pursuits. To calculate the cost of her insurance premium, the following steps need to be completed: Step 1 Calculate the annual cost of Gina s insurance premiums Member Selected cover = Sum insured x Premium rate from table (Individual Cover) = $350,000 x 0.23 = $80.50 annual insurance premium for Member Selected cover Step 2 Calculate the monthly cost of Gina s insurance premiums = annual insurance premium 12 = $80.50 12 = $6.71 monthly insurance premium for cover Employees who have left employment with the Suncorp Group or an Associate Employer and wish to reinstate their cover You can apply to reinstate your cover with the benefit of limited underwriting within six months of the date you left your employer. If you apply to have your cover reinstated, and your application is accepted, premiums will be based on Individual rates. All rates assume acceptance of insurance on standard terms and conditions, with no exclusions or loadings and are charged at Individual rates. Insurance premiums are deducted from your account balance on or around the 1st of each month. Example 4 Steven has just turned 25, left employment with the Suncorp Group and wishes to reinstate his cover. His salary at his new job as a Team Manager is $75,000 pa (excluding super). Steve has no medical conditions, does not smoke or participate in any hazardous pursuits. Step 1 Calculate Steven s sum insured sum insured = 75% of salary = 0.75 x $75,000 = $56,250 annual benefit = $4,687.50 monthly benefit (annual benefit 12) Step 2 Calculate the annual cost of Steven s insurance premiums = Annual benefit x Non-smoker individual premium rate = $56,250 x 3.1036 = $174.58 base annual insurance premium ( base premium ) Occupation adjustment Final annual insurance premium = Base premium x Occupation factor = $174.58 x 0% (White Collar) = $0 = Base premium + Occupation adjustment = $174.58 + $0 = $174.58 final annual insurance premium Step 3 Calculate the monthly cost of Steven s insurance premiums = annual insurance premium 12 = $174.58 12 = $14.55 monthly insurance premium for cover 8 Suncorp Suncorp Employee Superannuation Plan Insurance premium rates guide 9

Insurance cover levels - Standard Cover Death only cover for casual employees The insurance cover levels below are based on an insurance premium of $1.00 per week and assume your premiums are paid monthly. Death only cover Male & Female Death only cover Male & Female 15 179,187 43 93,107 16 179,187 44 85,993 17 179,187 45 77,003 18 179,187 46 68,098 Insurance premium rates Standard Cover Death only cover and cover (Standard rates) The annual premium rates below are per $1,000 of insured benefits. They include stamp duty and assume your premiums are paid monthly. You can only hold TPD cover with Death cover and it can t exceed the level of your Death cover Non-employed members do not have cover for ages 66 70 For members aged 66 70, a different definition of TPD applies for more information, please see Key definitions and concepts in the Insurance section in the Suncorp Employee Superannuation Plan Member Booklet For more information on the insurance available within the Suncorp Employee Superannuation Plan, please see Insurance in the Suncorp Employee Superannuation Plan PDS and Member Booklet. 19 179,187 47 60,897 20 179,187 48 53,702 21 179,187 49 48,300 22 179,187 50 44,801 23 179,187 51 39,400 24 179,187 52 35,800 25 179,187 53 32,200 26 179,187 54 28,600 27 179,187 55 26,800 28 179,187 56 23,200 29 179,187 57 21,500 30 179,187 58 19,700 31 179,187 59 17,900 32 179,187 60 16,100 33 179,187 61 14,300 34 179,187 62 14,300 35 179,187 63 12,500 36 168,394 64 10,700 37 155,922 65 10,700 38 148,699 66 10,700 39 136,197 67 10,700 40 125,392 68 10,700 41 114,588 69 10,700 42 103,896 70 10,700 Death Only Male Female Male Female 15 0.36 0.18 0.37 0.19 16 0.36 0.18 0.37 0.19 17 0.43 0.20 0.45 0.22 18 0.51 0.23 0.55 0.25 19 0.57 0.24 0.64 0.27 20 0.58 0.24 0.65 0.28 21 0.55 0.23 0.64 0.27 22 0.52 0.22 0.62 0.27 23 0.49 0.20 0.60 0.25 24 0.47 0.19 0.57 0.24 25 0.45 0.18 0.56 0.23 26 0.41 0.16 0.52 0.21 27 0.38 0.15 0.49 0.20 28 0.37 0.15 0.49 0.21 29 0.36 0.15 0.49 0.22 30 0.35 0.15 0.49 0.22 31 0.35 0.16 0.50 0.24 32 0.34 0.17 0.49 0.26 33 0.34 0.18 0.51 0.29 34 0.35 0.19 0.53 0.32 35 0.35 0.21 0.55 0.35 36 0.36 0.22 0.58 0.40 37 0.37 0.23 0.61 0.45 38 0.39 0.24 0.65 0.50 39 0.41 0.26 0.70 0.57 40 0.44 0.29 0.77 0.65 41 0.47 0.32 0.85 0.70 42 0.50 0.35 0.93 0.76 Death Only Male Female Male Female 43 0.54 0.38 1.03 0.84 44 0.59 0.42 1.15 0.94 45 0.64 0.45 1.29 1.04 46 0.70 0.46 1.43 1.14 47 0.76 0.48 1.59 1.23 48 0.82 0.50 1.76 1.34 49 0.89 0.53 1.97 1.49 50 0.96 0.57 2.19 1.67 51 1.04 0.64 2.44 1.90 52 1.12 0.72 2.71 2.16 53 1.21 0.79 3.01 2.41 54 1.30 0.86 3.33 2.67 55 1.39 0.94 3.70 2.92 56 1.50 1.02 4.04 3.17 57 1.62 1.11 4.41 3.44 58 1.75 1.20 4.85 3.73 59 1.90 1.29 5.35 4.02 60 2.07 1.39 5.94 4.32 61 2.26 1.49 6.60 4.65 62 2.45 1.62 7.29 5.03 63 2.66 1.77 8.04 5.50 64 2.86 1.96 8.84 6.10 65 3.08 2.18 9.72 6.79 *66 3.31 2.43 10.67 7.55 *67 3.55 2.72 11.69 8.44 *68 3.80 3.05 12.81 9.48 *69 4.05 3.46 14.00 10.77 *70 4.31 3.94 15.28 12.23 10 Suncorp Suncorp Employee Superannuation Plan Insurance premium rates guide 11

Insurance premium rates Standard Cover cover (Standard rates) The annual premium rates below are per $1,000 of insured benefits. They exclude stamp duty and assume your premiums are paid monthly. For more information on the insurance available within the Suncorp Employee Superannuation Plan, please see Insurance in the Suncorp Employee Superannuation Plan PDS and Member Booklet. You can apply for cover of up to 75% of your salary (excluding superannuation), to a maximum limit of $30,000 per month Explanation of member categories Category name GIOA GIOB DEF Description GIO Schedule A members GIO Schedule B members Non-employed members Standard cover for all member categories (except GIOA, GIOB and DEF) 2 year benefit period, 28 day waiting period Male Female 15 2.4917 2.8000 16 2.4917 2.8000 17 2.5333 2.8500 18 2.5583 2.9083 19 2.5833 2.9583 20 2.6250 3.0500 21 2.6583 3.1417 22 2.7083 3.2417 23 2.7250 3.3583 24 2.7500 3.4583 25 2.7667 3.5083 26 2.6917 3.5500 27 2.6417 3.5583 28 2.6167 3.5833 29 2.6167 3.6333 30 2.6417 3.7500 31 2.7083 3.9083 32 2.8000 4.0833 33 2.9083 4.2833 34 3.0167 4.5000 35 3.1500 4.7417 36 3.3083 5.0083 37 3.4833 5.2917 38 3.6833 5.6083 39 3.9083 5.9417 40 4.1417 6.3000 Male Female 41 4.4000 6.6667 42 4.6583 7.0417 43 4.9417 7.4167 44 5.2333 7.7917 45 5.5500 8.1917 46 5.9167 8.6500 47 6.3333 9.1667 48 6.8167 9.7333 49 7.3333 10.3500 50 7.9083 11.0167 51 8.5750 11.7333 52 9.3083 12.5167 53 10.0917 13.3417 54 10.9667 14.2167 55 11.8917 15.1750 56 12.8917 16.1667 57 13.9583 17.2333 58 15.1917 18.3833 59 16.6083 19.6000 60 18.2083 20.9250 61 19.9667 22.3917 62 21.8667 24.0833 63 19.6667 21.6583 64 16.3833 18.0750 65 9.8667 10.9000 Insurance premium rates Standard Cover cover (Standard rates) continued The annual premium rates below are per $1,000 of insured benefits. They exclude stamp duty and assume your premiums are paid monthly. For more information on the insurance available within the Suncorp Employee Superannuation Plan, please see Insurance in the Suncorp Employee Superannuation Plan PDS and Member Booklet. You can apply for cover of up to 75% of your salary (excluding superannuation), to a maximum limit of $30,000 per month Standard cover for members in GIOA and GIOB categories To age 65 benefit period, 28 day waiting period Male Female 15 3.6833 5.5500 16 3.6833 5.5500 17 3.6833 5.5500 18 3.6833 5.5500 19 3.6833 5.5500 20 3.6833 5.5500 21 3.6833 5.5500 22 3.6500 5.6833 23 3.6250 5.8000 24 3.6083 5.9417 25 3.6000 6.0917 26 3.6083 6.2333 27 3.6833 6.4583 28 3.7750 6.7583 29 3.9167 7.1500 30 4.0833 7.6083 31 4.2917 8.1500 32 4.5500 8.7750 33 4.8333 9.4833 34 5.1833 10.2833 35 5.5750 11.1750 36 6.0083 12.1750 37 6.4917 13.2583 38 7.0333 14.4500 39 7.6333 15.7250 40 8.2917 17.0917 Male Female 41 9.0000 18.5583 42 9.7583 20.0917 43 10.6000 21.7167 44 11.4917 23.4083 45 12.4417 25.1583 46 13.4750 26.9583 47 14.5333 28.7833 48 15.6750 30.6417 49 16.8667 32.5000 50 18. 34.3333 51 19.4000 35.4417 52 20.7250 36.4667 53 22.0917 37.3667 54 23.5083 38.1500 55 24.9417 39.0333 56 26.3833 40.3583 57 27.7917 41.5000 58 29.0833 42.3583 59 30.1750 42.8750 60 30.9583 42.9417 61 31.2250 42.3417 62 30.7250 40.8167 63 28.9417 37.8500 64 24.6250 32.0750 65 13.4833 17.8500 12 Suncorp Suncorp Employee Superannuation Plan Insurance premium rates guide 13

Insurance premium rates Member Selected Cover Death only cover and cover (Individual rates) The annual premium rates below are per $1,000 of insured benefits. They include stamp duty and assume your premiums are paid monthly. You can only hold TPD cover with Death cover and it can t exceed the level of your Death cover If you re a non-employed member (a member who has left employment with the Suncorp Group or an associated employer) without existing insurance cover, insurance is not available within your super account If you re a non-employed member with existing insurance cover, you can apply for an increase to your Death only or cover For members aged 66 70, a different definition of TPD applies please see Key definitions and concepts in the Insurance section in the Suncorp Employee Superannuation Plan Member Booklet For more information on the insurance available within the Suncorp Employee Superannuation Plan, please see Insurance in the Suncorp Employee Superannuation Plan PDS and Member Booklet. Death only cover and cover for all member categories Insurance premium rates Reinstated Cover cover (Individual rates) Occupation categories For reinstatement of cover, the level of insurance premium payable depends on your occupation, according to one of the following pre-defined occupation categories and other factors. Your insurance premium may have an additional loading based on your occupation rating factor below. Occupational rating factors Occupation rating factor Category Insurance premium loading 1 Professional -10% 2 White Collar 0% 3 Light Blue / Grey Collar 50% 4 Blue / Skilled Blue Collar 100% 5 Heavy Blue Collar 175% Death Only Male Female Male Female 15 0.41 0.20 0.42 0.21 16 0.41 0.20 0.42 0.21 17 0.48 0.22 0.51 0.24 18 0.57 0.25 0.62 0.28 19 0.65 0.26 0.72 0.30 20 0.66 0.26 0.74 0.31 21 0.63 0.25 0.72 0.30 22 0.58 0.24 0.68 0.30 23 0.55 0.22 0.66 0.28 24 0.52 0.21 0.63 0.26 25 0.50 0.20 0.62 0.25 26 0.45 0.18 0.57 0.23 27 0.42 0.17 0.54 0.22 28 0.41 0.17 0.54 0.23 29 0.40 0.17 0.54 0.24 30 0.39 0.17 0.54 0.24 31 0.39 0.18 0.55 0.26 32 0.37 0.19 0.54 0.29 33 0.37 0.20 0.56 0.32 34 0.39 0.21 0.58 0.35 35 0.39 0.23 0.61 0.39 36 0.40 0.25 0.64 0.44 37 0.41 0.28 0.67 0.50 38 0.43 0.29 0.72 0.55 39 0.45 0.33 0.77 0.63 40 0.48 0.36 0.85 0.72 41 0.52 0.40 0.94 0.81 42 0.55 0.43 1.02 0.90 Death Only Male Female Male Female 43 0.59 0.45 1.13 0.99 44 0.65 0.47 1.27 1.08 45 0.70 0.50 1.41 1.17 46 0.76 0.51 1.56 1.24 47 0.83 0.53 1.74 1.34 48 0.89 0.55 1.93 1.46 49 0.97 0.58 2.16 1.63 50 1.05 0.63 2.39 1.83 51 1.13 0.70 2.66 2.08 52 1.22 0.78 2.96 2.35 53 1.32 0.86 3.29 2.63 54 1.42 0.94 3.64 2.92 55 1.52 1.02 4.03 3.18 56 1.64 1.11 4.40 3.45 57 1.76 1.21 4.81 3.75 58 1.90 1.31 5.28 4.06 59 2.07 1.41 5.83 4.38 60 2.26 1.52 6.47 4.71 61 2.46 1.63 7.18 5.06 62 2.67 1.76 7.94 5.48 63 2.89 1.93 8.76 6.00 64 3.11 2.13 9.63 6.64 65 3.36 2.38 10.58 7.39 *66 3.61 2.65 11.62 8.23 *67 3.86 2.96 12.73 9.20 *68 4.14 3.32 13.95 10.33 *69 4.41 3.77 15.25 11.73 *70 4.70 4.29 16.64 13.32 6 Hazardous Uninsurable Occupation category definitions 1. Professional University qualified white collar professionals using their qualification (for which membership of a professional or government body is necessary as a requisite for practising in the occupation, e.g. lawyer, accountant etc). It also includes persons working in a strictly clerical and business environment where the work is of a sedentary nature, who ve held the position in a well established business or organisation for at least two years and their net earned income exceeds $100,000 pa. It doesn t include persons who perform manual work, supervise manual workers or need to get out and about on a regular basis (these are generally customer facing occupations requiring regular direct customer contact). 2. White Collar Workers where the work is of wholly a sedentary nature, in an office environment and does not involve manual work or supervision of manual workers. It also includes some indoor occupations which require tertiary qualifications and involve light physical work, e.g. osteopath, acupuncturist. 3. Light Blue / Grey Collar Includes most occupations which don t involve manual work and aren t included in categories 1 and 2. This includes people who aren t limited to an office environment involving purely desk type duties, but whose duties involve the need to get out and about on a regular basis where these activities are integral to the performance of the occupation. These are generally customer-facing occupations, e.g. salespersons, some shopkeepers, field surveyor. 4. Blue / Skilled Blue Collar Includes occupations involving light manual work performed by skilled craftspeople or tradespeople in non-hazardous industries. It also includes those involved mainly in the supervision of manual workers which may involve them in some manual work. People who qualify under this category will normally have technical qualifications and may require licensing, e.g. qualified mechanic, auto electrician. Unskilled or semi-skilled workers involved even in light manual work aren t included in this occupation category. 5. Heavy Blue Collar Includes occupations involved in heavy manual work performed by semi-skilled or unskilled workers. It also includes light manual work performed by semi-skilled workers. 6. Hazardous Workers involved in hazardous or very heavy manual work and/or who present special underwriting difficulties, e.g. underground miner, offshore worker. The Suncorp Employee Superannuation Plan doesn t offer cover to members with hazardous occupations. 14 Suncorp Suncorp Employee Superannuation Plan Insurance premium rates guide 15

Insurance premium rates Reinstated Cover cover (Individual rates) continued The annual premium rates below are per $1,000 of insured benefits, exclude stamp duty, assume your premiums are paid monthly and are applicable to former employees of the Suncorp Group or an Associated Employer who has applied to have their cover reinstated after leaving only. Your application to reinstate your cover must be submitted to us and accepted by the Insurer within six months of leaving employment with the Suncorp Group or an Associate Employer Reinstated cover for all member categories at Individual Rates (except GIOA and GIOB) 2 year benefit period, 28 day waiting period Male premium rates Insurance premium rates Reinstated Cover cover (Individual rates) continued The annual premium rates below are per $1,000 of insured benefits, exclude stamp duty, assume your premiums are paid monthly and are applicable to former employees of the Suncorp Group or an Associated Employer who has applied to have their cover reinstated after leaving only. Your application to reinstate your cover must be submitted to us and accepted by the Insurer within six months of leaving employment with the Suncorp Group or an Associate Employer Reinstated cover for all member categories at Individual Rates (except GIOA and GIOB) 2 year benefit period, 28 day waiting period Female premium rates Non- Male Non- Male Non- Female Non- Female 15 2.9172 3.6465 41 4.9140 6.1425 15 4.3758 5.4698 41 7.3320 9.1650 16 2.9172 3.6465 42 5.1480 6.4350 16 4.3758 5.4698 42 7.8000 9.7500 17 2.9172 3.6465 43 5.4600 6.8250 17 4.3758 5.4698 43 8.1900 10.2375 18 2.9172 3.6465 44 5.7720 7.2150 18 4.3758 5.4698 44 8.6580 10.8225 19 2.9172 3.6465 45 6.1620 7.7025 19 4.3758 5.4698 45 9.2040 11.5050 20 2.9172 3.6465 46 6.4740 8.0925 20 4.3758 5.4698 46 9.7500 12.1875 21 2.9172 3.6465 47 6.8640 8.5800 21 4.3758 5.4698 47 10.3740 12.9675 22 2.9172 3.6465 48 7.3320 9.1650 22 4.3758 5.4698 48 10.9980 13.7475 23 2.9835 3.7294 49 7.8000 9.7500 23 4.5084 5.6355 49 11.7000 14.6250 24 3.0498 3.8123 50 8.3460 10.4325 24 4.5747 5.7184 50 12.5580 15.6975 25 3.1161 3.8951 51 9.1260 11.4075 25 4.6410 5.8013 51 13.6500 17.0625 26 3.1036 3.8795 52 9.9060 12.3825 26 4.6554 5.8193 52 14.8980 18.6225 27 3.0888 3.8610 53 10.8420 13.5525 27 4.6675 5.8344 53 16.3020 20.3775 28 3.2113 4.0141 54 11.8560 14.8200 28 4.7471 5.9339 54 17.7840 22.2300 29 3.2651 4.0814 55 13.0260 16.2825 29 4.8976 6.1220 55 19.5000 24.3750 30 3.3911 4.2388 56 14.2740 17.8425 30 5.0505 6.3131 56 21.4500 26.8125 31 3.4460 4.3076 57 15.6780 19.5975 31 5.1324 6.4155 57 23.5560 29.4450 32 3.5010 4.3763 58 17.2380 21.5475 32 5.2888 6.6110 58 25.8960 32.3700 33 3.6317 4.5396 59 19.0320 23.7900 33 5.4475 6.8094 59 28.5480 35.6850 34 3.7647 4.7058 60 20.9820 26.2275 34 5.6854 7.1068 60 31.4340 39.2925 35 3.9000 4.8750 61 22.7760 28.4700 35 5.8500 7.3125 61 34.1640 42.7050 36 4.0560 5.0700 62 24.7260 30.9075 36 6.0840 7.6050 62 37.1280 46.4100 37 4.2120 5.2650 63 26.7540 33.4425 37 6.3180 7.8975 63 40.1700 50.2125 38 4.2900 5.3625 64 18.5640 23.2050 38 6.4740 8.0925 64 27.7680 34.7100 39 4.4460 5.5575 65 9.1149 11.3937 39 6.7080 8.3850 65 13.6341 17.0426 40 4.6020 5.7525 40 6.9420 8.6775 16 Suncorp Suncorp Employee Superannuation Plan Insurance premium rates guide 17

Insurance premium rates Reinstated Cover cover (Individual rates) continued The annual premium rates below are per $1,000 of insured benefits, exclude stamp duty, assume your premiums are paid monthly and are applicable to former employees of the Suncorp Group or an Associated Employer who has applied to have their cover reinstated after leaving only. Your application to reinstate your cover must be submitted to us and accepted by the Insurer within six months of leaving employment with the Suncorp Group or an Associate Employer Reinstated cover for members in GIOA and GIOB categories To age 65 benefit period, 28 day waiting period Male premium rates Insurance premium rates Reinstated Cover cover (Individual rates) continued The annual premium rates below are per $1,000 of insured benefits, exclude stamp duty, assume your premiums are paid monthly and are applicable to former employees of the Suncorp Group or an Associated Employer who has applied to have their cover reinstated after leaving only. Your application to reinstate your cover must be submitted to us and accepted by the Insurer within six months of leaving employment with the Suncorp Group or an Associate Employer Reinstated cover for members in GIOA and GIOB categories To age 65 benefit period, 28 day waiting period Female premium rates Non- Male Non- Male Non- Female Non- Female 15 5.0292 5.3972 41 14.4936 17.5596 15 7.1766 7.6396 41 26.7665 32.2570 16 5.0292 5.3972 42 15.4638 18.5566 16 7.1766 7.6396 42 28.4027 34.6374 17 5.3213 5.7106 43 16.4934 19.9058 17 7.7274 8.2259 43 30.0713 36.2929 18 5.5143 5.9178 44 17.5676 21.3115 18 7.9866 8.5019 44 31.7723 38.3339 19 5.7222 6.1409 45 18.7011 22.7290 19 8.2580 8.7907 45 33.4935 40.7447 20 5.9351 6.3693 46 19.8990 23.9365 20 8.5334 9.0839 46 35.2188 42.7413 21 6.1628 6.6137 47 21.1613 25.5095 21 8.8128 9.3814 47 36.9522 44.6786 22 6.1628 6.4562 48 22.8425 27.5282 22 9.1044 9.6918 48 39.7549 47.9097 23 6.1826 6.6242 49 24.6287 29.6732 23 9.4122 10.1592 49 42.6388 51.5792 24 6.2073 6.7985 50 26.5124 32.2367 24 9.7241 10.4837 50 45.6079 55.2096 25 6.2667 6.8496 51 28.5014 34.7361 25 10.0359 10.9768 51 48.6303 59.0994 26 6.3311 6.9340 52 30.6038 37.0160 26 10.3640 11.3510 52 51.7033 62.5021 27 6.5043 7.1389 53 32.7898 39.6329 27 10.8581 11.9088 53 54.7763 66.5596 28 6.7370 7.5585 54 35.0499 42.2824 28 11.4291 12.7406 54 57.8379 69.7726 29 7.0241 7.8806 55 37.5683 45.4631 29 12.1014 13.4677 55 61.1540 73.8574 30 7.3607 8.4378 56 40.1578 48.6680 30 12.8750 14.5362 56 64.3904 78.0060 31 7.7418 8.8747 57 42.7656 51.7825 31 13.7376 15.5102 57 67.4145 81.7638 32 8.1824 9.1564 58 45.1978 54.5832 32 14.6975 16.8310 58 69.3261 84.0009 33 8.6873 9.9283 59 47.3194 57.4425 33 15.7343 17.9820 59 70.5598 85.5128 34 9.2169 10.5030 60 48.8874 59.2375 34 16.8683 19.5039 60 70.8581 85.7532 35 9.8208 11.4195 61 49.5424 60.0265 35 18.0752 20.8559 61 69.8565 84.5224 36 10.4742 12.3786 62 48.8252 59.0747 36 19.3631 22.5421 62 67.0632 81.2267 37 11.1722 13.1151 63 45.8962 55.4310 37 20.7239 24.6858 63 61.5963 74.6402 38 11.9246 13.9543 64 18.5640 23.2050 38 22.1495 26.2629 64 27.7680 34.7100 39 12.7265 15.1127 65 9.1149 11.3937 39 23.6318 28.2268 65 13.6341 17.0426 40 13.5878 16.0335 40 25.1789 30.2827 18 Suncorp Suncorp Employee Superannuation Plan Insurance premium rates guide 19

Issuer: Suncorp Portfolio Services Limited ABN 61 063 427 958 AFSL No. 237905 RSE Licence No. L0002059 Insurer: Asteron Life Limited ABN 64 001 698 228 AFSL No. 237903 How to contact us: Suncorp Employee Superannuation Plan GPO Box 2585 (IPC: LS004) Brisbane QLD 4001 @ 1800 652 489 staff.super@suncorp.com.au 07 3002 3259 suncorp.com.au 19835 24/10/11 A