MLC MasterKey Business Super

1 MLC MasterKey Business Super Helping secure the future foclay. Information you need to decide whether MLC MasterKey Business Super is right for you and your employees. 1. EmployerGuide Information about MLC MasterKey Business Super . 3. Product Disclosure Statement Information on MLC SuperEzye, an online administration and contribution processing seNice. How lo contact MLC 2. Application Form Application Form for MLC MasterKey Business Super . 4. Application Form Application Form for MLC SuperEzy Postal address: With you For more information, call MLC from anywhere in Australia on 132 652 or contact yru adviser.

2 MLC Limited, PO Box 200 North SyOOey, N&N 2069 Website: Fax: (02)9964 3334 i Employer Guide .. For more information please contact your Plan adviser, or go to the online copy of this document at References to in the online copy link directly to the additional information available. Important infonnation NAF . advice in this communication has been prepared without taking account of your objectives, financial situation or needs. Because of this you should, before acting on any advice in this communication, consider whether it is appropriate to your objectives, financial situation and needs.

3 You should obtain a Product Disclosure Statement relating to MLC MasterKey Business Super and MLC SuperEzy and consider them before making any decision about whether to acquire or continue to hold either product. NA F . Contents What this guide covers MLC. With you 1 Additional features 6 In addition to this Employer Who you go through life with of your Plan Guide you should receive makes all the difference. Now you've got the basics, the Employer Application About MLC MasterKey here are some additional form and a Product Disclosure 2 features that can boost Statement (PDS) dated Business Super your employees' savings.

4 19 November 2012. The PDS MLC MasterKey Business Super includes the Investment is a superannuation solution Keeping you 7 Menu, Fee Flyer and the designed for all types of businesses. informed Insurance Guide. Setting up your Plan 3 We keep you up to date so you and your employees Setting up and organising know what's happening. your Plan is simple. Information you 8 Options for your Plan 4 need to know When you're responsible for There are some important deciding on a Plan for your things we think you should employees, you want to be aware of. make sure you've got it right.

5 Tailoring your Plan 5 Fees and costs 9 This will give you an You can design a Plan to understanding of the fees make a real difference to and costs your employees your employees' future. will pay. MLC. With you Who you go through life with makes all the difference. The MLC group of companies is the wealth management division of National Australia Bank (NAB). We provide investment, superannuation and insurance solutions and work closely with you and your Plan adviser to help grow and protect your employees' wealth. At MLC we've been looking after Australians' investment and insurance needs for over 125 years.

6 This experience has taught us the right solution for each Business and investor is different. That's why we specialise in creating a diverse range of Super , investment and insurance solutions. But, if your employees would like to take a more active role, we have a range of investment portfolios for them to choose from. We know good outcomes rely on good advice, so we work with financial advisers who put you and your employees' needs first. And, because your Business and employees' needs will change over time, we continually enhance our products and services so you get the best out of your experience with us.

7 Page 1 MLC MasterKey Business Super Employer Guide Investing with us NA F . As Australia's largest and most experienced multi-manager, we research hundreds of investment managers from around the world to select some of the best for our portfolios. This means our portfolios are expertly designed so you can use them as a total investment solution. And, because world markets change, we manage and evolve our portfolios by actively researching these markets, and seeking new opportunities to increase returns or reduce risk. This ensures we stay true to the objectives of our portfolios, so your employees can keep on track to meeting their goals.

8 MLC MasterKey Business Super Employer Guide Page 2 About MLC MasterKey Business SuperMLC MasterKey Business Super is a superannuation solution designed for all types of MLC you can structure your Plan the way you and your employees help you take care of your Business needs and give you the support to comfortably manage your Super we look out for your employees through our investment and insurance offers, to help them grow and protect their wealth for the long care of Business needsWe work with you and the way you do Business by providing: easy Plan set up and flexible ways to make contributions transition support from a dedicated transition manager ongoing support from our customer service team online contribution and reporting services, and additional features to help grow and protect your employees care of your employeesNo matter where your employees are in their working life, we can help them structure their Super how they want MLC your employees can.

9 Choose from a comprehensive range of investments to suit the way they want to invest protect their lifestyle with insurance make contributions and grow their savings get a little extra with special lifestyle, health and banking product offers through our Member Rewards program benefit from fee rebates get account details when they need them through , and have access to the medical advice service offered by Best up and organising your Plan is simple. Starting your Plan To start a Plan you need a minimum of three employees. You also need to either: contribute an average of $2,000 per year per employee, or transfer an average of $10,000 per employee.

10 All you need to do is complete the Employer Application form and an account will be set up for each employee. We'll then confirm your Plan by sending a Welcome Kit to you and your employees. A smooth transition We make moving your Plan to MLC easy because we do it all for you. You'll be assigned a transition manager who'll arrange all the details of the transfer and keep you and your employees well informed. Ongoing support Once you've joined us, we'll make sure the day-to-day operation of your Plan runs smoothly. Our CSIA accredited MLC Service Centre will also be there to support you and your administrative team.