MLC MasterKey Business Super - Superannuation

1 MLC MasterKey Business Super1. Product DisclosureStatementInformation on your MLC MasterKey Business Super or MLC MasterKey Personal Super MasterKey Business SuperInvestment MenuThe FundMLC Super FundABN 70 732 426 024 Issued by the TrusteeNULIS Nominees (Australia) LimitedABN 80 008 515 633 AFSL 236465 Preparation date1 April 20203. Investment MenuInformation you need to decide which investment options best suit your financial MasterKey Business SuperInsurance GuidePreparation date 1 April 2020 Issued by The Trustee NULIS Nominees (Australia) LimitedABN 80 008 515 633 AFSL 236465 The Insurer Insurance is issued by MLC Limited ABN 90 000 000 402 AFSL 230694 The Fund MLC Super Fund ABN 70 732 426 024 MLC MasterKey Business SuperClaims Guide Preparation date 1 April 2020 Issued by The Trustee NULIS Nominees (Australia)

2 LimitedABN 80 008 515 633 AFSL 236465 The Fund MLC Super Fund ABN 70 732 426 0244. Insurance GuideInformation about the insurance you have through your Claims GuideInformation about making an insurance usFor more information visit call us from anywhere in Australiaon 132 652 or contact your financialThis brochure contains additionalinformation about the fees and costsreferred to in the 'Fees and Costs' sectionof the brochure also defines the fees shownin the 'Fees and Costs' section of the re required by law to provide these toThe information in this document formspart of the MLC MasterKey BusinessSuper Product Disclosure

3 Statement(PDS), dated 1 April with the Investment Menu,Insurance Guide and the Claims Guide,these documents should be addressPO Box making a decision about whetherto invest in the Sydney NSW 2059 The information in this document maychange from time to time. Any updatesthat aren t materially adverse will beThey are available addressGround Floor, MLC Building105-153 Miller StreetNorth Sydney NSW 2060available at You can obtain apaper copy of any of these changes at noadditional cost by contacting explanation of fees and costsAdministration fee discountsWith the exception of the Government Levy Cost Recovery amount, discounts on your administration fees are able to be negotiated by youremployer depending on the size of your employer s Plan, or your employer may pay some of your fees.

4 If your employer has agreed to pay forthese fees they re considered as additional contributions and will count towards your concessional contribution actual administration fees that apply to your account are available by logging into your account at and will be included inyour most recent annual administration fee discounts will no longer apply when you transfer to MLC MasterKey Personal cap for small amountsIf your account balance for a product offered by the Fund is less than $6,000 at the end of the Fund's income year, the total combined amountof administration fees, investment fees and indirect costs charged to you is capped at 3% of the account balance.

5 Any amount charged inexcess of that cap must be plan rebatesIn some cases, a large plan rebate is able to be negotiated by your employer depending on the size of your employer s large plan fee rebates apply to the percentage of your balance held outside of large plan rebate will no longer apply when you transfer to MLC MasterKey Personal feesYou'll be charged an investment fee which includes fees charged by us that relate to the investment of the fund's assets, management feespaid to investment managers and other expenses such as custody costs, registry costs, auditing fees and tax return fees are reflected in the daily unit price and any reporting on the performance of the investment investment fees for each investment option are set out in the Investment MasterKey Business SuperFee BrochureThe FundMLC Super FundABN 70 732 426 024 The InsurerMLC LimitedABN 90 000 000 402 AFSL 230694 Issued by the TrusteeNULIS Nominees (Australia) LimitedABN 80 008 515 633 AFSL 236465 Preparation date1 April 20202.

6 Fee BrochureDefines the fees shown in the Fees and costs section of the PDS. We re required by law to provide these to you. Additional information is also provided about these fees and costs in this guide to what is included in the MLC MasterKey Business Super Product Disclosure usFor more information visit or call us from anywhere in Australia on 132 652 or contact your address PO Box 200 North Sydney, NSW 20591. About MLC MasterKey Business SuperYou can use this Product Disclosure Statement (PDS) to find what you need to knowabout your Super and how we can help you reach your retirement goalsWe ve worked with your employer to provide you a Super account which gives you a greatopportunity to grow and protect your MLC MasterKey Business Super , a part of the MLC Super Fund, you have access to abroad range of investment options, allowing you to customise your investment portfolio.

7 If you haven t chosen an investment option, your Super will be invested in MySuper. SeeSection 5 for details of MySuper and go the MySuperProduct Dashboard. You can find more information on the MLC Super Fund, the Trustee and executiveremuneration, and other Fund documents How Super worksWhat you need to know about superYou generally have the choice where your employer makes you don t make a choice, your employer will pay contributions into your MLC MasterKeyBusiness Super account. It s compulsory for contributions to be made to Super for most working Australians.

8 Superis a tax-effective way to save for your retirement tax concessions and other governmentbenefits can make it one of the best long-term investments you to your superRegular contributions are a great way to helpyour Super grow. Your employer will makesuper guarantee contributions (also known asemployer contributions), but you can boostyour Super with other types of contributions,including:salary sacrificepersonal after-tax contributionsspouse contributionsgovernment co-contributions, anddownsizer can make additional contributions to youraccount by or credit card.

9 You can alsoset up a direct debit from your account forregular contributions. There are caps on theamount you can contribute to Super . If youexceed these caps you may pay additional all your Super togetherKeeping your Super in one place can makesense. You can generally transfer any othersuper accounts you have into your this gives you a single view of yourmoney, helps you keep track of yourinvestments, and means you only pay one setof fees. Before consolidating, you should checkif there are any costs involved, loss ofinsurance that s important to you, or any otherbenefits you wish to keep.

10 You should speakwith a financial adviser to make sure it s theright decision for you. Registered to BPAY Pty Ltd ABN 69 079 137 518 This Product Disclosure Statement (PDS or Statement) is a summary of significant information and contains a number of references to furtherimportant information in the Fee Brochure, Investment Menu, Insurance Guide and the Claims Guide (each of which forms part of the PDS).You should consider all this information before making a decision about the product. This document contains general information only andso doesn t take into account your personal financial situation or individual needs.