Material themes Our stakeholders are Our stakeholders are pleased by… concerned by… Getting the right > Cbus’ communications and > Members not fully help at the right support throughout COVID understanding implications time to make > Cbus’ provision of advice and of switching to cash options sound decisions education services or accessing early withdrawal > Members not fully utilising advice services offered by Cbus Having enough > Sustained strong returns > Accessing Early Release Scheme income in over the long-term will create a significant shortfall retirement > Cbus pursuing the non-payment in retirement savings especially of superannuation contributions for young workers and females > Freezing the Superannuation Guarantee rate will make low income-earners worse off Strong, reliable > Strong trust towards Cbus > Unintended consequences and trusted fund from members and employers of regulatory changes such as contributing > Cbus advocating for members’ the potential loss of insurance to an effective interests in relation to cover for dangerous occupations superannuation regulatory changes > Politicians telling super funds system how to invest Long-term, > Cbus Property creates jobs > Accelerated merger activities responsible and supports the building may dilute Cbus'focus on the investment strategy and construction industry building and construction industry contributing to a > I ncreased focus on ESG issues sustainable global and climate change mitigation financial system in investment decisions Meeting member > Face-to-face interactions > Complicated, inefficient and employer with Coordinators and Front and unscalable member products and Counter staff onboarding process service needs > Cbus’ prompt decision > Sub-optimal employer making and high acceptance technology platform impacting of insurance claims experience of the Fund Annual Integrated Report 2021 21