MLC MasterKey Business Super - Member Advantage

1 How to contact MLCFor more information, call MLC from anywhere in Australia on 132 652 or contact your address: MLC Limited, PO Box 1315 North Sydney NSW 2059 Website: Fax : (02) 9964 3334 MLC MasterKey Business SuperBuild your savings while you work, and look forward to a better Guide to what is included in the MLC MasterKey Business Super Product Disclosure Statement (PDS)1. Member Guide Information on your MLC MasterKey Business Super or MLC MasterKey Personal Super Investment Menu Information you need to decide which investment options best suit your financial Insurance Guide Gives you information about the insurance you have through your Important Information Flyer Highlights the important information you should know about investing with MLC MasterKey Business Super or MLC MasterKey Personal Family Member Guide This is additional information for immediate relatives who would like to join MLC MasterKey

2 Business Business SuperannuationIssued by: The Trustee, MLC Nominees Pty Limited (MLC)ABN 93 002 814 959, AFSL 230702 The Universal Super Scheme ABN 44 928 361 101 Insurance is issued by: MLC Limited (The Insurer)ABN 90 000 000 402, AFSL 230694 on behalf of MLC. Preparation date: 1 April 2009 Member GuideMLC MasterKey Business SuperThe purpose of this guide is to give you information on your MLC MasterKey Business Super or MLC MasterKey Personal Super account. For more information please contact us, your financial adviser, or go to the online copy of this document at to in the online copy link directly to the additional information It all adds up 1 At MLC we do things differently because we have your interests at heart.

3 About MLC MasterKey 3 Business Super Build your savings while you work, and look forward to a better retirement. Things to consider 5 about investing through Super We want you to know both the benefits and potential risks involved when investing through Super . Your Super 7 the details You can accumulate savings in Super to help achieve the retirement lifestyle you want. Additional 9 information you need to know The ins and outs of how your Super account works. Keep your Super 14 with MLC even if you change employers You can stay with MLC, even if you leave your employer.

4 Fees and costs 15 This will give you an understanding of what fees and costs you will is covered in this guideIn addition to this Member Guide you should also have the Investment Menu, Insurance Guide, Important Information Flyer and the Family Member Guide. Together these documents form the Product Disclosure Statement (PDS).Page 01 MLC MasterKey Business Super Member GuideAt MLC we do things differently because we have your interests at heart. We actively manage your money and regularly upgrade our products, so you always benefit from the most up to date thinking. We anticipate changes in your needs over time so you can get the right solution, whatever your , because we know good outcomes rely on good advice, we work with financial advisers who put your needs s these differences, and our 120 years experience of looking after Australians needs, that have brought over million people to when you invest you want people who are looking out for your Australia s first and leading multi manager.

5 We ve been designing investment solutions to deliver better returns with lower risk for over 20 select from the best investment managers in the world to design solutions tailored to meet a range of different use sophisticated investment strategies so you can further diversify your portfolio or focus on a particular market. We keep you up to date with regular reports and online access to your account, so you can see exactly how your investments are , because we have simple transparent fees and consolidated account and tax reporting, you know where your money is and what it s doing for It all adds upYour future is what mattersMLC MasterKey Business Super Member Guide Page 02 The members of the Trustee board that look after your Super have a variety of work and life experiences which help them represent your up of executive and non executive members who are personally responsible for any decisions they make, their duties include:providing investment choice ensuring members interests are maintained, and keeping you informed of any changes.

6 The MLC group of companies is the wealth management division of the National Australia Bank (NAB). We provide investment, superannuation and insurance solutions and support the provision of quality financial advice which helps people achieve and protect their lifestyle and financial out for youPage 03 MLC MasterKey Business Super Member GuideAbout MLC MasterKey Business SuperBuild your savings while you work, and look forward to a better employer has given you a great opportunity to grow and protect your wealth by selecting MLC MasterKey Business , no matter where you re at in your working life.

7 We can help you build towards a better retirement that make senseWith MLC, you can choose a complete portfolio solution to implement your investment plan. And, if you want to customise your portfolio further, we also offer a range of specialist your investment plans, we have a solution to investment options are detailed in the Investment ready to select your investments?If you don t select your investment, or the nomination you provide is not clear, all of your contributions will be invested in MLC MasterKey Horizon 5 the growth can find further information about MLC MasterKey Horizon 5, including its objective and asset allocation in the Investment a multi award winning provider of personal insurance to more Australians than any other company, we keep it simple.

8 So you know the benefits stated in your policy are the benefits you ll your Super you will have insurance to look after you and the people you care most about your details of your insurance appear in your Welcome your insuranceIf you want to upgrade your insurance, MLC has a number of ways to find out more about your insurance options, please read the Insurance Guide, or speak with your financial remember, whatever you choose to do, you can always apply to add to, change or cancel your insurance by contacting you and the people you loveKeeping track of your moneyWith MLC, it s easy to keep track of your money.

9 Stay up to date on what s happening with your investments through regular reports, or you can view your account details at Call us to request MasterKey Business Super Member Guide Page 04We reward you by offering a Large Plan Rebate. If your Plan is eligible, you will receive a rebate on your Administration information on this rebate is available on pages 16 and you transition to retirementIf you are over 55, you may be considering a transition to retirement strategy. Your financial adviser can help you with the ins and outs of this strategy. MLC issues products that allow you to take Advantage of a transition to retirement can link your MLC MasterKey Business Super account with a MLC MasterKey Pension or Pension Fundamentals the good news is the balance of your pension is counted towards the Large Plan Rebate for your may also be entitled to a Fee refund explained further on page talk to your financial adviser or go to to obtain a copy of the relevant pension PDS.

10 We recommend you read the PDS before of your family can also join and take Advantage of the features of your family members include your spouse, parents, brothers, sisters and further information, please refer to the Family Member the rewards of your employer s buying powerKeeping it in the familyPage 05 MLC MasterKey Business Super Member GuideThings to consider about investing through superWe want you to know both the benefits and potential risks involved when investing through Super . Investing through Super is usually the most tax effective way to save and provide for your , the Government has strongly indicated it wants Australians to use Super to build wealth that will generate income in their though there are many advantages, there are also a few things you should consider before you the money you put into superBecause Super is a long term investment, the law is strict about how and when you can access your money.