MLC MasterKey Business Super

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1 Preparation date 5 December 2014 Issued by The Trustee MLC Nominees Pty Limited (MLC) ABN AFSL The Fund The Universal Super Scheme ABN This application form is valid from 5 December 2014 and should be read with the current Product Disclosure Statement available online on mlc.com.au/pds/mkbs Name of Plan Commencement date (DD/MM/YYYY) Business/Company name Associated business/company name (if applicable) Postal address Postcode Please nominate your contact for all correspondence Name Contact phone number (business hours) Mobile Number of employees to join Australian Business Number Business address Role/Title Facsimile Postcode Please select your contribution method As part of the Government s Stronger Super reforms, by 1 July 2015, all employers will be required to follow data and e-commerce standards when making super contributions. MLC SuperEzy has been designed to help you meet these obligations. A MLC SuperEzy Complete the MLC SuperEzy application form B BPAY Once your employee s accounts have been established, please contact the MLC Service Centre to organise BPAY payments. Preparation date: MLC Nominees Pty Limited The Universal Super Scheme 5 December 2014 (MLC) ABN ABN R AFSL RSE L Superannuation Fund Number MLC MasterKey Business Super Employer Application Form 1 of 8 Preparation date 1 October 2014 Issued by MLC Limited ABN AFSL This application form is valid from 1 October 2014 and should be read with the Product Disclosure Statement dated 1 October Plan details Name of Plan Plan number (if known) Employer name (company, individual (s), or partnership) 2 How would you prefer to load data into MLC SuperEzy? Manual data entry Input from a payroll file 3 Who is the main MLC SuperEzy contact for your business? This person has a high level of security access and we ll all MLC SuperEzy user ID s and passwords to them. First name Surname Position Contact telephone (business hours) 4 Payment method Select your payment method Employer initiated direct debit Direct credit (EFT) How would you like to authorise the payments? Single password (requires one person to authorise the payment) Dual password (requires two people to authorise the payment) Mobile number MLC Limited ABN AFSL MLC SuperEzy Application Form 1 of 4 ABN We recommend employer initiated direct debit as a payment method as this will only be initiated when you submit an online instruction to do so. Keeping you in full control of your financial transactions with MLC. MLC MasterKey Business Super Information you need to decide whether MLC MasterKey Business Super is right for you and your employees. MLC MasterKey Business Super Employer Guide Employer Application Form MLC MasterKey Business Super MLC SuperEzy Product Disclosure Statement Application Form MLC SuperEzy 1. Employer details 2. Contributions 1. Employer Guide Information about MLC MasterKey Business Super. 2. Application Form Application Form for MLC MasterKey Business Super. 3. Product Disclosure Statement Information on MLC SuperEzy, an online administration and contribution processing service. 4. Application Form Application Form for MLC SuperEzy. Contact us For more information visit mlc.com.au or call us from anywhere in Australia on or contact your adviser. Postal address PO Box 200 North Sydney, NSW M1214 (Kit 85268M1214)

2 MLC MasterKey Business Super Employer Guide Preparation date 5 December 2014 Issued by The Trustee MLC Nominees Pty Limited (MLC) ABN AFSL The Fund The Universal Super Scheme ABN

3 The purpose of this guide is to give you the information you need to decide whether MLC MasterKey Business Super is right for you and your employees. Important information Any 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. 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.

4 Contents Setting up your Plan About MLC 4 About MLC MasterKey Business Super 5 Options for your Plan 6 Setting up your Plan 8 Additional features of your Plan 9 Keeping you informed 10 In addition to this Employer Guide you should receive the Employer Application form and the current Product Disclosure Statement (PDS) available on mlc.com.au/pds/mkbs. The PDS includes the Investment Menu, Fee Definitions Flyer and the Insurance Guide. Information you need to know 11 Fees and costs 12 For more information please contact your Plan adviser, or go to the online copy of this document on mlc.com.au/emp/mkbs References to mlc.com.au in the online copy link directly to the additional information available. MLC MasterKey Business Super Employer Guide 3

5 About MLC At MLC we ve been looking after Australians investment and insurance needs for over 125 years. 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. 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. Investing with us Our portfolios make sophisticated investing straightforward. We re experts in putting together portfolios for people. We structure our portfolios to deliver more reliable returns in many potential market environments. And, as our view of market environments changes, we evolve our portfolios to manage new risks and capture new opportunities. We have both internal investment management expertise, and the experience and resources to find some of the world s best investment managers. We also offer a wide range of portfolios managed by other investment managers. If your employees don t make their own investment choice, their super will be invested in MLC MySuper. More information about MLC MySuper can be found on page 6. How investment managers invest in derivatives is included in their PDS on mlc.com.au 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. 4 MLC MasterKey Business Super Employer Guide

6 About MLC MasterKey Business Super With MLC you can structure your Plan the way you and your employees want. We help you take care of your business needs and give you the support to comfortably manage your super obligations. And we look out for your employees through our investment and insurance offers, to help them grow and protect their wealth for the long term. Taking care of business needs We work with you and the way you do business by providing: easy Plan set up and flexible ways to make contributions 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 savings. Taking care of your employees No matter where your employees are in their working life, we can help them structure their super how they want it. With MLC your employees can: 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 on mlc.com.au, and have access to the medical advice service offered by Best Doctors. MLC MasterKey Business Super Employer Guide 5

7 Options for your Plan Your Plan When deciding on a Plan for your employees, you want to make sure you ve got it right. That s why we make it easy for you. Your employees will automatically have their super invested in MLC MySuper as the default investment option. They will also automatically be provided with MLC Lifestage insurance. You can, however, tailor an insurance design to suit your employees range of needs. We recognise some employees may want a more active role in selecting their investments and insurance. They can choose any investment option on our Investment Menu. Your employees can also change their insurance to suit their specific needs. MLC MySuper MLC MySuper is the option your employees contributions will be invested in if they don t make an investment choice. It s managed by MLC with investment advice from JANA. JANA is MLC s investment consulting business for large corporate superannuation funds. It s one of Australia s most highly regarded investment consultants with over $42 billion under advice as at 31 March MLC MySuper is diversified across many asset classes and is invested approximately 70% in growth assets and 30% in defensive assets. A combination of active and passive investment managers select the investments. With its bias towards growth assets, MLC MySuper may be suited to your employees if they: want long-term capital growth, and understand and accept there can be moderate to high fluctuations in the value of their investment. MLC Lifestage insurance We ll automatically provide your employees with MLC Lifestage insurance, a combination of Death and Total and Permanent Disablement (TPD) insurance designed to cater to your employees needs through different life stages. Your employees will have more insurance when they re younger, when they re most likely to have a high mortgage or children at home, and lower insurance when they re older and most likely to be financially secure. Your employees are generally eligible for this insurance if they re aged between 15 and 64 for TPD insurance, and 15 and 69 for Death insurance. MLC Lifestage sum insured is increased each year by Average Weekly Ordinary Time Earnings (AWOTE). The latest MLC Lifestage sum insured amounts and standard premiums are available on mlc.com.au/mkbs/insurancerates. Their premiums will depend on their age, gender and occupation. We ll adjust the level of insurance each year on your employee s birthday and each year we ll confirm the level of insurance and premiums paid by your employees in their annual statement. For further information speak to your Plan adviser, refer to the Insurance Guide or visit mlc.com.au 6 MLC MasterKey Business Super Employer Guide

8 MLC Tailored insurance All eligible employees in your Plan must be provided with Death and TPD insurance. However, you can vary the amount of insurance for different groups of employees, and you can choose to provide them with Income Protection insurance. Generally you can choose from the following alternative arrangements for Death and TPD insurance. Our offer Minimum Maximum Fixed premium per week $1.35 per week $18 per week Fixed insurance amount Death $65,000 Amount of insurance = multiple of annual salary Amount of insurance = percent of annual salary x years of future service TPD $65,000 Death $1,000,000 TPD $1,000,000 2 x annual salary 8 x annual salary 8% of annual salary x years of future service 30% of annual salary x years of future service For further details on the insurance we offer and employee eligibility, please see the Insurance Guide. Automatic acceptance If you select an insurance package for 75% or more of eligible employees in your Plan, and they accept the insurance, they ll qualify for automatic acceptance limits. This means they ll be covered up to this limit, and won t need to give any medical evidence. They can also cancel their insurance or apply for more insurance than you ve chosen. The automatic acceptance limits for the number of eligible employees in your Plan are as follows: Number Death and TPD < 5 Not applicable 5 9 $200, $400, $500, $600, $800,000 > 100 as agreed with MLC see Note below Number Income Protection (per month) < 10 Not applicable $5, $7, $7, $9,000 > 100 as agreed with MLC see Note below Note: If you have more than 100 eligible employees in your Plan, we will work with you to determine your requirements and confirm the automatic acceptance limits that will apply. MLC MasterKey Business Super Employer Guide 7

9 Setting up your Plan Starting your Plan All you need to do to start a Plan is complete the Employer Application form and provide details on your employees so an account can 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. Administering your employees super MLC SuperEzy is an electronic administration and contribution processing service designed to help you easily meet your super obligations. MLC SuperEzy integrates your payroll system with MLC MasterKey Business Super. You can make contributions to your employees accounts with MLC MasterKey Business Super or to other super providers they have chosen. Here are just some of the benefits you ll get through MLC SuperEzy : a broad range of online servicing and transaction functions increased efficiency and reduced handling lower costs greater control through reporting, and reduced paperwork and time spent. This service is free if you nominate MLC MasterKey Business Super as your default fund and half of your employees have their contributions paid to that fund. Please see the MLC SuperEzy PDS for more information. Employer MLC SuperEzy Contributions to MLC MasterKey Business Super Contributions to other super accounts 8 MLC MasterKey Business Super Employer Guide

10 Additional features of your Plan Support the way your employees want to work As your employees get closer to retirement, they may want to use a transition to retirement strategy. This means your employees can continue to build their savings in super and receive a tax-effective income from a pension. MLC offers products that allow your employees to take advantage of a transition to retirement strategy. Your employees can link their MLC MasterKey Pension Fundamentals account with their MLC MasterKey Business Super account. Family Member accounts Members of your employees families can join your Plan so they can enjoy our great benefits too. This can also increase the value of your Plan. For further information, please refer to the How To Guide. Employee benefits MLC Member Rewards MLC Member Rewards gives your employees a range of great deals on financial and lifestyle products. There s something for everyone, including great deals on banking products, health insurance, gym memberships and accommodation worldwide, as well as gift cards and movie tickets. They can access MLC Member Rewards at mlc.com.au/memberrewards Best Doctors If you select Income Protection insurance for your employees or your employees apply for income protection insurance, they have access to the medical advice service offered by Best Doctors. Best Doctors was established to achieve one specific goal: to connect ill people to a network of peer-nominated, leading specialists from around the globe. These doctors provide confidence, clarity and certainty to the patient s diagnosis and treatment plan. For more information go to mlc.com.au/bestdoctorsinfo Consolidate insurance If your employees have insurance with another provider, they can apply to consolidate it with the insurance they have with us and may even save on premiums in the process. Increases without medical evidence Your employees can apply to increase their Death and TPD insurance without further medical evidence when they: adopt or have a child get married or divorced complete a first undergraduate degree at a Government recognised institution have a child who starts secondary school, or take out, or increase, a mortgage. The increase can be up to 25% of their original insurance amount, but it can t be more than $200,000. Your employees must apply within 90 days of the event occurring. Your employees can use this feature once in any 12-month period, and up to three times in total. MLC MasterKey Business Super Employer Guide 9

11 Keeping you informed Employer Central makes it simple to find out how to set up, customise and manage your Plan. Please visit mlc.com.au/employercentral to find out more. We ll also give you access to: Employer communications Employer Welcome Kit MLC MasterKey Business Super Employer News MLC SuperEzy reporting Confirms the Plan has been opened and the investment and insurance details for your Plan. You ll also receive a copy of the employee Welcome Kit. news providing updates and product enhancements with a link to the latest MLC News & Insights quarterly employee . Provides a summary of any contributions you ve made for your employees during the financial year. Your employees can login to mlc.com.au to view account details, produce reports, switch between investment options, and find out about any product and investment enhancements. We also provide your employees with: Employee communications Employee Welcome Kit MLC News & Insights Annual statement Annual report Contains important information for your employees including the Plan details and the PDS. Quarterly giving market updates, product enhancements and educational information. Provides a summary of all transactions and investment details for the financial year. Provides an overview of the market and industry activity that may affect your employees investments, including product changes and MLC updates. 10 MLC MasterKey Business Super Employer Guide

12 Information you need to know Your responsibility to keep us informed We need you to tell us about any changes so your employees accounts are up to date, by: Adding or enrolling new employees: Let us know when new employees are joining the Plan. If we don t receive their details from you within 28 days, any contribution relating to them will be refunded to you. Keeping details up to date: Update personal details of employees in your Plan regularly so that we can keep them updated about their super. Telling us when employees leave you: We need to know as soon as possible so we can process any final contributions owing. Once we re notified of the date an employee leaves, and have received their final contribution, we ll transfer their account balance to: MLC MasterKey Personal Super, or another super fund of their choice. Policy committee If you have 50 or more employees in your Plan, you re required by law to take reasonable steps to establish a policy committee. If you have less than 50, you can still establish one. The committee meets regularly and provides your employees an avenue to enquire and express their views about the running and performance of your Plan and super in general. We can provide you with information to assist you in running your committee. For further information, please speak with your transition manager. Want to change your mind? You have 14 days to check that MLC MasterKey Business Super meets your employees needs. The 14 days start from the earlier of: your first employee receiving their Welcome Kit, or five days after we accept the first contribution for your first employee. You can mail, fax or us to close your Plan within the 14-day period. We ll then transfer your Plan to another eligible super fund of your choice. If your employees have made individual contributions, we ll transfer their account balance to: MLC MasterKey Personal Super, or another super fund of their choice. Employee account balances may be adjusted for any: increase or decrease in the unit prices payments made to your employee tax payable, and administration costs incurred in establishing or closing their account. Accounts with nil balances If we don t receive contributions from you or your employees within the first 130 days of joining, we may close their account. MLC MasterKey Business Super Employer Guide 11

13 Fees and costs At MLC we re transparent about the fees your employees pay. We believe in looking after you and your employees. This is why we: reduce fees for large Plan balances, and offer extra benefits when employees or their family members hold more than one MLC MasterKey account. A tax benefit may apply to fees charged to your employees super accounts. All fees shown in the table and on pages 12 and 13 are shown before the tax benefit. We charge the fees shown and then pass the tax benefit back to your employees super account as a credit, which reduces the fees shown by approximately 15%. Standard fees your employees will pay For more information on fees and costs please refer to the PDS on mlc.com.au Type of fee or cost Administration fee Indicative Investment fee Amount MLC MySuper This has two parts: Up to 0.40% pa of an employee s account balance, based on the size of your MLC MasterKey Business Super Plan plus Other investment options This has two parts: Up to 1.05% pa of an employee s account balance, based on the size of your MLC MasterKey Business Super Plan or their MLC MasterKey Personal Super account a fixed fee of up to $1.50 per week (or $2.00 per week for MLC MasterKey Personal Super). If you have a balance held in MLC MySuper, this fee will be deducted from that balance. Otherwise, this fee will only apply to you if your account balance is less than $50, % 1 pa Range from 0.25% pa to 7.35% 1 pa How and when paid The actual Administration fee that applies to an employee s account is included in their Welcome Kit. The Administration fee is deducted monthly from their account. The percentage fee is calculated using their average account balance in the previous month. There s no maximum Administration fee on an employee s balance held in MLC MySuper. However, if the Administration fee on their balance in MLC MySuper is more than $3,500 pa, the Administration fee on their balance held in other investment options is nil. If the Administration fee on their balance in MLC MySuper is less than $3,500 pa, the Administration fee on their balance held in other investment options is capped so that their total Administration fee does not exceed $3,500 pa. Reflected in the daily unit price for each investment option. The Investment fee for MLC MySuper is fixed, but for other investment options it varies daily as investment costs change. No Maximum. A performance fee may be charged. The amount you pay for a specific investment option is shown in the Investment Menu. Exit fee $75.00 Deducted from the amount paid when an employee makes a full withdrawal. Insurance premiums Varies according to the type of insurance held, an employee s occupation, age and gender. Deducted monthly in arrears from an employee s account. The actual premium they pay is included in their Welcome Kit. 1 A performance fee may be charged. 12 MLC MasterKey Business Super Employer Guide

14 Rebates and refunds Large Plan Rebate In some cases, a large plan rebate may apply to your employee s account. The actual fees that apply, will be shown in their Welcome Kit. Fee refund The fee refund is based on the combined account balances your employees and any other eligible linked investors have in MLC MasterKey accounts. Investment manager fee rebate Some Investment managers provide a rebate on their investment management fee, which we pass entirely back to your employees. The indicative investment fees in the Investment Menu are shown after allowing for this rebate. Paying for fees and premiums You may be required or want to make additional contributions to meet the cost of the fees and premiums debited from your employee s accounts. If you do this, we ll let you know the amount of fees and premiums debited from your employee s accounts. You can decide the amount of the contributions you need to make for your employees. Your transition manager can provide further information. Other information you should know Adviser service fee Your employees can choose to pay a financial adviser a fee from their account. This is in addition to the other fees described throughout the Fees and costs section. Other Adviser remuneration Advisers may also receive alternative forms of remuneration, such as conferences and professional development seminars that have a genuine education or training purpose. Advisers may also receive payments from MLC to provide financial services to you and your employees. These are paid from the Administration fee and are not an additional cost to your employees. Buy-sell spread When calculating unit prices, MLC may make an allowance for the costs of buying and selling assets. These costs include brokerage and stamp duty. When your employee transacts on their account, they may pay a small proportion of their transaction towards meeting these costs. These may vary in future without prior notice to the employee. Transaction cost allowances are shown in the Investment Menu. Government levies The government applies levies to super funds. To cover these, we ll deduct the appropriate amounts from your employees accounts each year. They ll appear on their accounts in different months each year depending on when they re deducted. Fees paid to NAB group companies MLC may use the services of NAB owned companies where it makes good business sense to do so and will benefit our customers. Amounts paid for these services are always negotiated on an arms-length basis and are included in all the fees detailed on these pages. Varying fees Investment fees may vary slightly from time to time and without prior notice to you or your employees. We ll advise your employees of any significant changes. Some of the other fees described throughout the Fees and costs section may be increased with 30 days notice. Other fees we may charge Fees may be charged if your employees request a service not currently offered. We may charge employees, or the fund generally, with actual or estimated costs of running the fund. These may include costs resulting from government legislation or fees that are charged by third parties. If the actual costs are less than estimated costs we have deducted from the account, the difference may be retained in the fund and used for the general benefit of your employees in the Plan. We may also charge fees where we are required to respond to a request under Family Law. An investment manager may charge a performance fee when its investment returns exceed a specified level. Where applicable, an estimate of this fee is included in the Investment fees shown in the Investment Menu. MLC MasterKey Business Super Employer Guide 13

15 Your notes 14 MLC MasterKey Business Super Employer Guide

16 MLC MasterKey Business Super Employer Guide 15

17 For more information call MLC from anywhere in Australia on or contact your financial adviser. Postal address PO Box 200 North Sydney NSW 2059 Registered office Ground Floor, MLC Building Miller Street North Sydney NSW 2060 mlc.com.au MLC Nominees Pty Ltd ABN AFSL Part of the National Australia Bank Group of Companies. An investment with MLC is not a deposit or liability of, and is not guaranteed by, NAB M1214

18 Employer Application Form MLC MasterKey Business Super This application form is valid from 5 December 2014 and should be read with the current Product Disclosure Statement available online on mlc.com.au/pds/mkbs 1. Employer details Name of Plan Commencement date (DD/MM/YYYY) Number of employees to join Business/Company name Australian Business Number Associated business/company name (if applicable) Postal address Business address Postcode Postcode Please nominate your contact for all correspondence Name Role/Title Contact phone number (business hours) Facsimile Mobile 2. Contributions Please select your contribution method As part of the Government s Stronger Super reforms, by 1 July 2015, all employers will be required to follow data and e-commerce standards when making super contributions. MLC SuperEzy has been designed to help you meet these obligations. A MLC SuperEzy B BPAY Complete the MLC SuperEzy application form Once your employee s accounts have been established, please contact the MLC Service Centre to organise BPAY payments. Preparation date: 5 December 2014 MLC Nominees Pty Limited (MLC) ABN AFSL RSE L The Universal Super Scheme ABN R Superannuation Fund Number MLC MasterKey Business Super Employer Application Form 1 of 8

19 3. Member groups for insurance Please refer to the Employer Guide and Insurance Guide for information on your insurance options. Do you wish to provide your employees with MLC Lifestage Insurance, a combination of Death and Total Permanent Disablement (TPD) insurance? Go to Section 4 No Complete this section. Name of Member Group 1 (eg Directors, Executives, Staff) Name of Member Group 2 Name of Member Group 3 Member Group 1 Please tick the box next to the insurance you want to apply. Death and TPD OR MLC Lifestage Insurance For more information on MLC Lifestage insurance refer to the Employer Guide. MLC Tailored Insurance What age do you want Death and TPD insurance to end? 65 years 70 years Do you want to remove TPD tapering 1? No 1 Tapering reduces TPD from age 61 by equal amount each year until the age the TPD insurance ends. Insurance benefit design tailored Death and TPD Choose one of the following for each Member Group. A Fixed premium per week (minimum $1.35) $ B Fixed amount of cover (minimum $65,000) $ C Amount of cover = multiple of annual salary (minimum 2 X annual salary) $ D Amount of cover = percentage of salary X remaining years to the age indicated above (minimum 8% of salary) % Income Protection Do you want to offer Income Protection insurance for this group? No Complete the details below Insurance benefit design Income Protection Percentage of current annual salary? 75% Other % Benefit period 2 years 5 years to age 65 Waiting period (up to a maximum of 75%) 30 days 60 days 90 days 180 days 2 2 Only available for 5 years and to age 65. Are you applying for a Super Contribution benefit? No Complete the details below What percentage of super contributions do you wish to cover? (up to a maximum of 15%) % between 1% and 15% This will provide an additional benefit of up to 15% of members Monthly Income paid into a complying superannuation fund of their choice. E Other: Please attach separate description for Insurance benefit design not listed above. 2 of 8 MLC MasterKey Business Super Employer Application Form

20 Member Group 2 Please tick the box next to the insurance you want to apply. Death and TPD OR MLC Lifestage Insurance For more information on MLC Lifestage insurance refer to the Employer Guide. MLC Tailored Insurance What age do you want Death and TPD insurance to end? 65 years 70 years Do you want to remove TPD tapering 1? No 1 Tapering reduces TPD from age 61 by equal amount each year until the age the TPD insurance ends. Insurance benefit design tailored Death and TPD Choose one of the following for each Member Group. A Fixed premium per week (minimum $1.35) $ B Fixed amount of cover (minimum $65,000) $ C Amount of cover = multiple of annual salary (minimum 2 X annual salary) D Amount of cover = percentage of salary X remaining years to the age indicated above (minimum 8% of salary) Income Protection Do you want to offer Income Protection insurance for this group? No Complete the details below Insurance benefit design Income Protection Percentage of current annual salary? 75% Other % Benefit period 2 years 5 years to age 65 Waiting period (up to a maximum of 75%) 30 days 60 days 90 days 180 days 2 2 Only available for 5 years and to age 65. Are you applying for a Super Contribution benefit? No Complete the details below What percentage of super contributions do you wish to cover? (up to a maximum of 15%) % between 1% and 15% This will provide an additional benefit of up to 15% of members Monthly Income paid into a complying superannuation fund of their choice. % E Other: Please attach separate description for Insurance benefit design not listed above. MLC MasterKey Business Super Employer Application Form 3 of 8

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