The Employee Retirement Plan
PRoduct Guide
Preparation date: 1 July 2007
This Product Disclosure Statement was issued
by the Trustee of The Universal Super Scheme
R1056778:
MLC Nominees Pty Limited
ABN 93 002 814 959
AFSL 230702
RSE L0002998
Superannuation Fund Number 281 440 944
The Employee Retirement Plan
SPIN MLC0193AU
Ground Floor, MLC Building
105–153 Miller Street
North Sydney NSW 2060
mlc.com.au
A National Australia Group company
• MLc Nominees Pty Limited is the issuer of the employee Retirement Plan and trustee. As trustee of the Scheme MLc Nominees Pty Limited is responsible
for the management of the Scheme. When you invest in the employee Retirement Plan you become a member of the Scheme.
• the trustee has appointed MLc to carry out the day-to-day investment management and administration of the employee Retirement Plan.
• this PdS was prepared on 1 July 2007 and gives important information about the employee Retirement Plan.
• this PdS may be updated or replaced at any time, and you will be provided with the most up-to-date PdS on request, free of charge, by calling the
MLc Service centre on 132 652. changes that are not materially adverse will be updated and made available to you at mlc.com.au. Alternatively, you can
request a paper copy, which will be made available to you free of charge, by calling the MLc Service centre on 132 652. You will also be advised of material
changes or significant events in accordance with the corporations Act 2001.
• unless stated otherwise, this PdS only constitutes an offer to a person receiving it as a resident of Australia. it is not an offer, invitation or recommendation by
the trustee to invest in the employee Retirement Plan in any other jurisdiction.
• Any advice in this PdS 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 PdS, consider whether it is appropriate to your objectives, financial situation and needs.
• the trustee a