Travelex Super Plan – Features at a Glance

1 MLC masterkey business Super Travelex Super plan Features at a Glance Features and benefits of the Travelex Superannuation plan with MLC. This information is current as at February 2015. Investing through Super is usually the most tax-effective way to save and prepare for your retirement. In fact, for many Australians, your Super could grow to be your largest asset. So it s important to understand how it works, and how you can be in control of your Super savings. To help you do exactly this, your employer, Travelex has given you a great opportunity to grow and protect your wealth by selecting MLC masterkey business Super . The MLC business Super plan offers you a range of Features and optional extras which means your money will work harder for you, the way you want. Why choose MLC? With over 125 years experience we re one of Australia s most trusted and awarded wealth managers.

2 We re one of Australia s most awarded investment platforms, and currently manage over $135 billion on behalf of Australian investors. In fact, MLC masterkey business Super has been announced by Heron as the Top Rated Corporate Product for 2015 with 6 Heron Quality Stars. Insurance Depending on your employment category, your default insurance design with MLC is calculated as follows. Category Insurance Benefit Design Staff Death & Total and Permanent Disability (D & TPD): 3 x Salary Your employer has agreed to make extra contributions to your account to cover the cost of Death and TPD. Further information will be provided within your MLC Welcome Kit once your account is set up. Automatic Acceptance Limit (AAL) Cover without personal or medical evidence for assessment. An AAL provides you with cover without having to provide personal or medical evidence for assessment.

3 You will receive automatic cover consistent with the plan s Default Benefit Design, up to the below AAL. Cover Type AAL Death & TPD $875,000 You can apply for a higher level of Death and TPD insurance or Income Protection insurance however medical evidence may need to be provided. Get the advice you want AGS Financial Group Pty Ltd Phone: 02 9966 8188 Email: 12-14 Falcon St CROWS NEST NSW 2065 MLC masterkey business Super MLC MySuper Default Investment Investment objective To outperform inflation, measured by the Consumer Price Index, by 3% per annum after fees and taxes, over any 10 year period The investment option may be suited to you You want long-term capital growth. You understand and accept there can be moderate to high fluctuations in the value of your investment. Minimum suggested time to invest Six years We may adjust the neutral allocation within these ranges Defensive 15-45% Growth 55-85% Risk label, estimated number of negative annual returns Medium to high, between three and four years in 20 You can change your investment options (balance / future contributions) online once your account has been set up.

4 MLC offers a comprehensive range of investment options, with over 40 to choose from. MLC MySuper is the investment option where your Super will be invested if you do not make an investment choice. You can find more information on the MLC MySuper investment option in the Welcome Kit you ll receive once your account has been set up. More information is available at Fee Design Fee type MLC MySuper Other Investment Options Administration fee % based Fixed dollar Up to pa of your balance. $ per week Up to pa of your balance. $ per week* Indicative Investment fee pa Includes estimated performance fees. Actual fees may be different. Ranges from to Transaction cost (Entry / Exit) / Ranges from Nil to *If your entire account balance is held outside MLC MySuper, we are able to apply a fixed Administration fee waiver on balances above $50,000. The above table outlines the Fee Design for the default investment within the Travelex Superannuation plan .

5 A tax benefit may apply to fees charged to your Super account. All fees in the table above are before the tax benefit. We charge the fees and then where applicable, pass the tax benefit back to your account as a credit, which reduces the fees shown by approximately 15%. All details on latest fees and charges that may apply are outlined in the Product Disclosure Statement and on For more information, please call us on 132 652 between 8am and 6pm AEST, Monday to Friday. MLC Member Rewards Everyday discounts Everyone likes a little something extra in life. That s why we created the MLC Member Rewards program. MLC Member Rewards is a loyalty program that has something for everyone. There are no points to collect or fees to pay and special offers on lifestyle and banking products can be accessed at any time. Some of the benefits include: NAB banking benefits for your loans, credit cards, insurance and many more.

6 Corporate policy health insurance with 10% discount on premiums and improved refunds from NIB. 5% off gift cards for Coles Supermarkets, Coles Central, Pick n Pay Hypermarts and Bi Lo. Discounted joining fee for all new gym memberships and reduced membership rates. An interest in The Universal Super Scheme (Fund) is issued by MLC Nominees Pty Ltd ABN 93 002 814 959, AFSL 230702 (Trustee). The Fund administrator is MLC Limited ABN 90 000 000 402, AFSL 230694 (Administrator). This material has been prepared by the Administrator and it contains information that is general in nature. The information does not take into account your objectives, financial situation or needs. Before acting on the information you should consider whether it is appropriate having regard to your personal circumstances and seek professional advice. The Administrator recommends that you consider the Fund s Product Disclosure Statement (PDS) before you make any decisions about your superannuation.

7 Neither the Administrator, the Trustee, nor any other company in the National Australia Group of companies accepts liability whatsoever for any decision that is made on the basis of or in reliance of the information contained in this material. Please note that the information contained in this material is current as at August 2014. Any changes in the law or policy subsequent to this date have not been incorporated.