Member Product Disclosure Statement

Member Product Disclosure Statement Dated: 1 December 2012 CONTENTS About MTAA Super...2 How super works...2 Benefits of investing with MTAA Super...3 Risks of super...3 How we invest your money...4 Fees and costs...5 How super is taxed...6 Insurance in your super...6 How to open an account...8 Membership Application Form...(attached) This Product Disclosure Statement (PDS) is prepared in accordance with Subdivision 4.2B of Division 4 of Part 7.9 of the Corporations Regulations 2001. This PDS is a summary of significant information you need to make a decision about MTAA Super. It includes references to other important information that is taken to form part of this PDS. These references are marked in yellow, like this: You should consider this other important information before making a decision. If you would like a copy of this PDS or any of the other important information that forms part of this PDS, please contact us on 1300 362 415. The information provided in this PDS is general only and does not take into account your personal financial situation or needs. You should therefore consider obtaining financial advice that is tailored to your personal circumstances from a licensed financial adviser. Issued by Motor Trades Association of Australia Superannuation Fund Pty Ltd (ABN 14 008 650 628, AFSL 238 718) of Level 3, 39 Brisbane Avenue Barton ACT 2600, the Trustee of the MTAA Superannuation Fund (ABN 74 559 365 913).

01 / About MTAA Super Established in 1989, MTAA Super has evolved to be one of Australia s largest superannuation funds, managing more than $5.9 billion in funds under management as at 30 June 2012. Anyone can join MTAA Super Whatever your job, in whatever industry whether you are an employee, a self-employed person or a contractor, whether you are setting up an account for your partner, or simply want to make voluntary contributions anyone can join MTAA Super. If you are receiving employer contributions, you need to ask your employer whether you are eligible to nominate a super fund of your choice. The super fund to which employer contributions are directed might be nominated in an industrial agreement or award. An industry super fund As an industry super fund, MTAA Super has low fees, pays no commissions to financial advisers, and is run only to benefit members. 02 / How super works You should read the important information about contribution types, eligibility and limits; conditions of release for withdrawing your super benefit and how to claim your benefit (including nominating beneficiaries for your death benefit) before making a decision. Go to www.mtaasuper.com.au/memberpds/howsuperworks. This information about how super works may change between the time when you read this PDS and the day when you acquire the product. Superannuation (or super) is a way to save for your retirement, which is, in part, compulsory. If you are an employee earning more than $450 a month in most cases, the government requires your employer to make at least quarterly Superannuation Guarantee (SG) contributions for you. Contributing to super Apart from your SG contributions, there are a range of additional ways you can contribute to your super for example, salary-sacrifice employer contributions, voluntary after-tax contributions and super co-contributions. You can make voluntary contributions by: asking your employer to deduct extra money from your before-tax salary and contributing it to your super account (called salary sacrifice) or making regular or lump-sum contributions from your after-tax salary. If you make after-tax personal contributions you may also be eligible for a super co-contribution. Refer to the MTAA Super website, www.mtaasuper.com.au/ memberpds/howsuperworks, or visit the Australian Taxation Office (ATO) website, www.ato.gov.au, for more information. Superannuation savings are generally taxed by the government at concessional rates, but there are limits on the amount of contributions that can be made each year without incurring extra tax. After age 65, you need to satisfy a work test in order to be eligible to make voluntary contributions. If you have super in another fund, you can consolidate your super by transferring your other super into your MTAA Super account (called a rollover ). Before closing your other superannuation account, you should consider whether any exit fees apply and whether you may lose other valuable benefits such as extra employer contributions or insurance. Investing your super MTAA Super has seven investment options to choose from and your super contributions will be invested in the option (or options) you choose. If you don t make a choice, your super contributions will be invested in the Balanced Option. Investing in a super fund like MTAA Super means your super will increase when investment earnings are positive, but may decrease if investment earnings are negative. See How we invest your money on page 4 for further details. 2

Withdrawing your super Super is a long-term investment. This means that you usually can t gain access to your super until you are aged between 55 and 60 (depending on your date of birth) and meet a condition of release, as set by the government. There are some conditions of release that allow you to withdraw some or all of your super earlier. You can usually transfer your super to another fund at any time. Choosing your super fund Most employees have the right to choose the super fund where they would like their employer to direct their SG contributions, although in some cases an industrial award or agreement may require that SG contributions be paid into a particular fund. If you have a choice but don t exercise it, your SG contributions will be paid into the fund nominated by your employer. For more information about choice of fund, visit the ATO website, www.ato.gov.au. 03 / Benefits of investing with MTAA Super MTAA Super exists only for the benefit of members. We offer you low-cost services and products to help you achieve your retirement goals. Some of the benefits include: Low fees and charges Investment choice Affordable insurance cover Easy access to information, including online account access Retirement products 04 / Risks of super You should read the important information about risk before making a decision. Go to www.mtaasuper.com.au/memberpds/investmentguide. The information about understanding investment risk may change between the time when you read this PDS and the day when you acquire the product. All investments have some level of risk. To make an informed choice about your super, you need to understand the risks associated with investing. MTAA Super invests across all major asset classes. The main asset classes are shares, property, fixed interest and cash. Within these main asset classes are Australian and international shares, unlisted shares and private equity, Australian and international fixed interest, and direct or indirect property investments, including infrastructure. Asset classes have different levels of risk and return. For example, asset classes with potentially the highest level of investment returns over the long term will usually also have the highest risk of loss over the short term. Each investment option offered by MTAA Super carries a different level of risk, depending on the strategic allocations to the various asset classes within each option. Significant risks There are a number of risks associated with investing in superannuation. Superannuation and taxation laws can change, and investment options are constantly subject to changes in value. Particular asset classes tend to perform differently at different times, so diversification across different asset classes may help to manage risk. When considering your investment in MTAA Super it is important to understand the following: The value of investment options will go up and down. Your superannuation savings (including contributions and returns) may not be enough to adequately provide for your retirement. Investment returns are not guaranteed, and you may lose some of your money. The level of returns may vary, and future returns may differ from past returns. The appropriate level of risk for each person depends on a range of factors, including age, the investment time frame, where other non-superannuation assets are invested, and risk tolerance. 3

05 / How we invest your money You should read the important information about our investment options and how to switch between them before making a decision. Go to www.mtaasuper.com.au/memberpds/investmentguide. The information about investment options may change between the time when you read this PDS and the day when you acquire the product. MTAA Super members can choose from a mix of investments in different asset classes. There are seven investment options: Pre-mixed options Balanced Conservative Growth My choice options Australian Shares International Shares Diversified Fixed Interest Cash You can allocate your super savings across a mix of some or all options, or just one option. When you make your choice, you can then decide whether this choice applies to one or both of your existing account balance or future contributions (including rollovers). Warning: When it comes to choosing the investment options for your superannuation savings, you should consider these questions: How much risk do I feel comfortable with? What level of return do I want? What is the time horizon I am investing towards? The answers to these questions will help guide you in choosing the investment option or mix of options for your superannuation savings. If you do not make a choice your super will automatically be invested in the default option, the Balanced Option, which is summarised below: INVESTMENT DETAILS FOR THE BALANCED OPTION Balanced Option Objective The Balanced Option seeks high long-term returns through a balanced exposure to risk. It is intended to be suitable for members who are willing to take on aboveaverage risk. Investment return objective To out-perform (after tax and fees) the Consumer Price Index (CPI) by 4% a year over rolling five-year periods. Mix of asset classes Strategic asset allocation % Range % Market Linked Portfolio Cash 6.0 0.5 15.0 Domestic Fixed Interest 7.0 0.0 15.0 Overseas Fixed Interest 6.0 0.0 15.0 Australian Equities 26.0 5.0 35.0 International Equities 20.0 5.0 35.0 Target Return Portfolio Infrastructure 15.0 0.0 35.0 Property 10.0 0.0 25.0 High Yield Debt 7.0 0.0 20.0 Private Equity 3.0 0.0 12.5 Other + 0.0 0.0 12.5 Minimum suggested time frame 5 years Standard Risk Measure* Risk Band: 6 Risk Label: High Summary risk level Estimated number of negative annual returns over any 20 year period: 5 years out of every 20 years. +Investments in this strategy may include natural resources and other alternative investments deemed appropriate. 4 * The Standard Risk Measure is based on industry guidance to allow members to compare investment options that are expected to deliver a similar number of negative annual returns over any 20 year period. The Standard Risk Measure is not a complete assessment of all forms of investment risk, for instance it does not detail what the size of a negative return could be or the potential for a positive return to be less than a member may require to meet their objectives. Further, it does not take into account the impact of administration fees and tax on the likelihood of a negative return. Members should still ensure they are comfortable with the risks and potential losses associated with their chosen investment option/s.

MTAA Super can change the types of investment and allocations for an investment option, add an investment option or remove an investment option at any stage. We will tell you if this happens. Changing your investment option You can change your investment option by completing a Member Investment Choice form in the Investment Options Guide available at www.mtaasuper.com.au/memberpds/investmentguide Illiquid assets and portability The Target Return Portfolio contains illiquid assets and is contained in all the Pre-Mixed Options, including the Balanced Option. MTAA Super is, however, generally able to satisfy withdrawal requests from cash reserves. 06 / Fees and costs Consumer Advisory Warning Did you know? Small differences in fund performance and fees and costs can have a substantial impact on your long-term returns. For example, total annual fees and costs of 2 per cent of your fund balance, rather than 1 per cent, could reduce your final return by up to 20 per cent over 30 years (reduce it from say, $100,000 to $80,000). You should consider whether features such as superior investment performance or the provision of better member services justify higher fees and costs. You might be able to negotiate to pay lower contribution fees and management fees where applicable. Ask the fund or your financial adviser.* * Note that fees payable in respect of MTAA Super are not negotiable. To find out more If you would like to find out more or see the impact of fees based on individual circumstances, the Australian Securities and Investments Commission website, www.moneysmart.gov.au, has a superannuation fee calculator to help you check out different fee options. Fees and other costs You should read the important information about the fees and costs of each investment option before making a decision. Go to www.mtaasuper.com.au/memberpds/feesandcharges. The information about fees and costs may change between the time when you read this PDS and the day when you acquire the product. The following table shows the main fees and other costs you may be charged for investing in the Balanced Option and can be used to compare costs between different superannuation products. These fees and costs may be deducted from your super account or from the returns on your investment. FEES AND OTHER COSTS Type of fee or cost Amount Fees when your money moves in or out of the fund Establishment fee Nil Contribution fee Nil Withdrawal fee $30 Termination fee Nil Management Costs Estimated investment management costs $101.40 a year ($1.95 a week) +0.68% p.a. ($68 per $10,000) The fees for our other investment options are different. Investment management fees are calculated looking back as at 30 June each year. These may change from year to year. For details of other service fees, go to www.mtaasuper.com.au/memberpds/feesandcharges. 5

Changes to MTAA Super s fees and costs MTAA Super reserves the right to change the fees it charges at any time. If we do increase our fees we will ensure you are notified in writing at least 30 days before the increase takes effect. Example of annual fees and costs for the Balanced Option The following table shows how the fees and costs in the MTAA Super Balanced Option can affect your superannuation investment over one year. You should use this example to compare this product with other superannuation products. Example Balanced Option Balance of $50,000 with total contributions of $5,000 during year Contribution fees Nil For every $5,000 you put in, you will be charged $0. PLUS Management costs EQUALS Cost of Fund 0.68% + $101.40 ($1.95 a week) For every $50,000 you have in the Fund you will be charged $340.00 a year plus $101.40 in administration fees, regardless of your balance. If you put $5,000 in during a year and your balance was $50,000, for that year you will be charged estimated fees of $441.40. 1 What it costs will depend on the investment options you choose and the fees you negotiate with your fund or financial adviser. 2 1 Additional fees might apply: a withdrawal fee of $30 might be payable on each transfer from the Fund, including partial transfers. 2 MTAA Super s fees are not negotiable. If you would like to calculate the effect of fees and costs on your account balance, the Australian Securities and Investments Commission (ASIC) website, www.moneysmart.gov.au, has a superannuation fee calculator. 07 / How super is taxed You should read the important information about taxation before making your decision. Go to www.mtaasuper.com.au/memberpds/howsuperistaxed. The information about how super is taxed may change between the time when you read this PDS and the day when you acquire the product. Super savings are taxed by the government. In summary, the taxation rules are as follows: From 1 July 2012, contributions that are made before tax (called concessional contributions ) are subject to tax at an effective rate of either 15 per cent or 30 per cent (depending on the person s adjusted taxable income) when received by the Fund.* Contributions that are made after tax (called non-concessional contributions ) are not taxed when received by the Fund. Investment earnings are taxed at up to 15 per cent. Withdrawals from your account are not taxed if you are aged 60 or more, but tax may need to be deducted if you are under age 60. Warning: If you exceed the contribution limits, you will pay extra tax. We pay the tax applicable to your super contributions and investments by deducting it from your account, from investment returns or from your benefit (as applicable) and paying it to the ATO. Warning: You should provide your tax file number (TFN) as part of becoming a member of the Fund. We are authorised by law to request your tax file number (TFN), which we will use only for permitted purposes. If you do not tell us your TFN, your contributions and withdrawals may be taxed at a higher rate and we may not be able to accept some types of contributions. Also, if you do not provide your TFN it may be more difficult to locate all of your super, and the government will not be able to pay any co-contributions to the Fund for you. 08 / Insurance in your super 6 MTAA Super offers a range of insurance options to protect you and your family from financial hardship if you are unable to work for a long period due to sickness or injury, become permanently disabled or die. MTAA Super members can apply for up to: $5,000,000 of death cover (a lump-sum paid in the event of your death). $3,000,000 of total and permanent disability (TPD) cover (a lump-sum paid if you become permanently injured or disabled, and unable to work). $25,000 of monthly income protection (a benefit, usually monthly in arrears, if you are unable to work because of illness or injury). * While the Government announced an increase in contributions tax from 15 to 30 percent for high income earners as at the date of this publication this change is not yet law and it is not yet clear how the additional tax will be collected.

You should read the important information about MTAA Super s insurance options, eligibility, insurance costs, conditions and exclusions in the Insurance Guide before making a decision about your insurance cover. Go to www.mtaasuper.com.au/memberpds/insurance. The information about insurance may change between the time when you read this PDS and the day when you acquire the product. Default cover New MTAA Super members are automatically provided with default cover (subject to terms and conditions please refer to the Insurance Guide). The level of cover provided to you is based on your age when you become a member. The table below sets out the cost and the number of units of cover that are provided for your age when you join: COVER WHEN YOU JOIN MTAA SUPER Your age next birthday when you join MTAA Super Death Units General Scale TPD Units General Scale Cost of Cover ($0.50 per unit) 16-21 1 5 $3.00 per week 22-26 3 5 $4.00 per week 27-70 6 6 $6.00 per week Matching cover If the default cover doesn t meet your needs and you have insurance elsewhere, MTAA Super may match this cover within the insurance design available. Changing your cover You can apply to increase, decrease or cancel your cover at any time. There are certain circumstances when you may apply to increase your Death or TPD cover (up to a specific amount) without having to provide evidence of health. One of these is when you first join. To find out more about these offers, please refer to the Insurance Guide. You can also reduce or cancel your insurance cover at any time or elect to hold death-only cover at any time by writing to MTAA Super. Our address is Locked Bag 15, Haymarket NSW 1236. Selecting the right cover for you You can choose to have your death or TPD cover as either unitised or fixed cover, although there are conditions you might have to satisfy. You cannot have a combination of unitised and fixed cover for death and TPD. There are different types of work scales depending on the type of work you do. We classify them as General; Non-manual and Professional. The amount of cover you are elgible to receive will be different depending on the work scale you fit into. It s important you let the Fund know if you are eligible for non-manual or professional cover. Refer to the Work scale form in the Insurance Guide for more information. IMPORTANT NOTE WHERE YOU ARE REQUIRED TO PROVIDE THE TRUSTEE OR THE INSURER WITH INFORMATION REGARDING YOUR INSURANCE, YOU HAVE A DUTY TO DISCLOSE EVERY MATTER THAT YOU KNOW, OR COULD REASONABLY BE EXPECTED TO KNOW, IS RELEVANT TO THE INSURER S DECISION WHETHER TO ACCEPT THE RISK OF INSURANCE AND, IF SO, ON WHAT TERMS. OTHERWISE THE INSURER MAY BE ABLE TO DECLINE A CLAIM. THE TRUSTEE IS ALSO ABLE TO ADJUST INSURED BENEFITS FOR ERRORS. IF YOU DO NOT CANCEL YOUR COVER, THE COST OF INSURANCE (PREMIUMS) IS DEDUCTED FROM YOUR ACCOUNT EACH MONTH. REFER TO THE INSURANCE GUIDE FOR FULL DETAILS OF THE PREMIUMS. Warning: The insurance cover provided by the Fund is subject to eligibility conditions and exclusions. These may affect your entitlement to insurance cover or the circumstances when an insured benefit may be payable under the policy. You should read the important information at www.mtaasuper.com.au/memberpds/insurance. 7

09 / How to open an account 1. Read this PDS and the important additional information on the MTAA Super website, www.mtaasuper.com.au/memberpds 2. Complete the Membership application form attached after the end of this PDS. 3. Determine the level of default insurance cover you are eligible for and decide whether you need additional insurance 4. Choose the investment option you would like your super to be invested in. 5. If you have money in other super funds, you can roll it over into MTAA Super by completing the Rollover form. If, for any reason, the Fund is unable to accept you as a member, any contributions which may have been made on your behalf will be returned without interest. Any interest earned on the bank account in which unallocated contributions are held is retained by the Trustee for the benefit of members of the Fund. Please also refer to the factsheet Other information about your membership of MTAA Super at www.mtaasuper.com.au/fact-sheets or contact MTAA Super on 1300 362 415 for a copy of this document. The cooling-off period You have a 14-day period to cancel your membership if you joined independently of your employer enrolling you in the Fund. The period starts either from the date MTAA Super confirms to you that your application has been accepted or five days after the application has been accepted, whichever occurs first. If your investment is subject to a preservation restriction, you must nominate another fund into which your investment may be transferred. The amount transferred might be adjusted to take into account any variation in the value of the investment, any fees payable, and any tax payable by MTAA Super as a result of your period of Fund membership. A request to cancel your membership must be in writing. You cannot exercise your cooling-off right once you have exercised any of your other rights as a member. What do I do if I have a complaint? MTAA Super is committed to providing exceptional service to its members, and any complaints are dealt with as soon as practicable. If you want to make a complaint please contact: MTAA Super Complaints Resolution Officer Locked Bag 15 Haymarket NSW 1236 PH: 1300 362 415 MTAA Super respects your privacy Protecting your personal information has always been important to us and is now required by law. The Commonwealth Privacy Act means we now handle your personal information in accordance with a set of guidelines, known as the National Privacy Principles. MTAA Super only collects information that is necessary to administer your fund membership. By this, we mean managing your account and keeping you up to date with opportunities and value-adding services and benefits available to you as an MTAA Super member. MTAA Super has appointed a Fund Administrator, Insurers and other specialist organisations to provide professional services to MTAA Super on your behalf. They are authorised, under the strictest confidence, to only use your personal information to administer your fund membership. Your personal information may also be used to identify if you have any lost super entitlements that could be transferred to your MTAA Super account. The Australian Taxation Office (ATO) may be provided with your details in order to find any lost super. You may, however, notify us if you do not wish to have your personal information released to the ATO for this purpose. As a member of MTAA Super, you may ask to see the information we hold about you and to have it corrected if required. To find out more about the personal information we hold and how it is handled, please call 1300 362 415 or view our privacy statement online at www.mtaasuper.com.au/privacy. 8

MEMBERSHIP APPLICATION FORM Please complete this application form using capital letters. Section A Your personal details MTAA Super member number (if known) Title Miss Ms Mrs Mr Other (please specify) Given name(s) Family name Date of birth / / Street address Suburb State/Territory Postcode Telephone (home) Telephone (work) Telephone (mobile) Email Occupation Section B Your tax file number I have read the document How Super is Taxed at www.mtaasuper.com.au/memberpds/howsuperistaxed and understand that I do not have to supply my TFN, but there may be consequences, such as paying increased tax. I further understand that the Fund will use my TFN only for the permitted purposes, as stated in the TFN section. I hereby elect to advise my tax file number is: Section C Find your lost super You can authorise for MTAA Super to use your Tax File Number (TFN) (if provided) to search and act on your behalf to consolidate your super by signing the following declaration. MTAA Super will only use your TFN in accordance with your consent. I hereby consent for MTAA Super to act on my behalf and use my Tax File Number (TFN) to seek superannuation information and consolidate my superannuation accounts by using the ATO facility to obtain information about any other superannuation accounts opened in my name and contacting the superannuation entities or RSA providers holding any such accounts. Member signature Date / / Section D Your membership category and employment details Please indicate with a tick the type of membership you are seeking in MTAA Super. Tick only one category of membership. EMPLOYER SUPPORTED I wish to join MTAA Super as an employer-supported member and will be receiving employer contributions. PERSONAL MEMBER I wish to join MTAA Super as a personal member and will only be making contribution payments of my own; that is, I will not be receiving contributions from an employer. Section E Your employment details Your employer s trading name Employer number (if known) Employer address Suburb State/Territory Postcode Employer telephone Date commenced with employer / / 1a

Section F Keeping up to date Please keep me up to date with extra products and services offered to MTAA Super members by related or other companies. Note that if you do not complete this section MTAA Super will assume you agree. Yes No Section G Your preferred beneficiaries Your death benefit may only be paid to one or more of your dependant(s) or to your estate. If following your death, the Trustee is unable to find a dependant or a legal personal representative (for example a person appointed as executor of your estate) your death benefit may be paid to one or more other people. The term dependant is defined in the document How Super Works at www.mtaasuper.com.au/memberpds/ howsuperworks and includes your spouse (legal and de facto), your children, a person in an interdependent relationship with you and a person who is financially dependent on you. You may nominate below one or more of your dependants or your legal personal representative as your preferred death benefit beneficiaries. Please note, however, that this nomination will not be binding on the Trustee. The Trustee is responsible for deciding to whom a death benefit is paid and is required to make payments in accordance with superannuation legislation and the Fund s Trust Deed. While the Trustee will take into account your nomination, it is obliged to take into consideration the circumstances of all potential beneficiaries and is not bound by your stated preference. MTAA Super offers members the ability to make a binding death benefit nomination in order to provide greater certainty about who receives a member s benefit. Further information is available in the Binding death benefit nomination form which can be found in the document How Super Works at www.mtaasuper.com.au/memberpds/howsuperworks. Name(s) of nominated beneficiaries Relationship* % share (First name/family name) (total must add up to 100%) *Please insert either spouse, child, financial dependant or interdependant... Section H Acknowledgement and signature This form must be signed and dated. I hereby: n apply to the Trustee for admission as a member of MTAA Super under the terms and conditions in the Trust Deed by which the Fund was established n acknowledge having received and read and understood the MTAA Super Member Product Disclosure Statement and acknowledge that the Trust Deed prevails if there is an inconsistency with the Member Product Disclosure Statement. n acknowledge that the Trustee cannot provide me with advice about my benefits, investments, insurance and any taxation implications that takes into account my personal circumstances and that I should speak to an appropriately qualified adviser if I require such advice n acknowledge that the Trustee may be required under taxation and superannuation legislation to deduct additional tax from my benefits and refuse or refund contributions made by or on my behalf and, in doing so, may make any adjustments to my account it considers necessary or appropriate n acknowledge that the Trustee does not guarantee my investment in MTAA Super n acknowledge having read and understood the privacy statements in the Member Product Disclosure Statement and consent to my personal information being collected and used in accordance with these n declare that I have read and carefully considered all questions and that the answers I have provided are true and correct Member signature Date / / For office use only File code: Member No: Signature of parent/guardian (if member is under 18 years of age) Insurance: Date / / Return the completed, signed and dated application form to MTAA Super, Locked Bag 15, Haymarket NSW 1236. This application is part of the MTAA Super Product Disclosure Statement issued 1 December 2012. 1b

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An Industry SuperFund Telephone 1300 362 415 Fax 1300 365 142 E-mail mtaasuper@mtaasuper.com.au Web www.mtaasuper.com.au Postal Address Locked Bag 15, Haymarket NSW 1236 State offices Sydney Level 5, 477 Pitt Street, Sydney NSW 2000 Melbourne Level 2, Casselden Place, 2 Lonsdale Street, Melbourne VIC 3000 Canberra Level 2, 11 London Circuit, Canberra ACT 2600 Perth Level 2, 12 St Georges Terrace, Perth WA 6000 Adelaide Level 2, 104 Frome Street, Adelaide SA 5000 Brisbane Level 10, 120 Edward Street, Brisbane QLD 4000 Hobart Ground Floor, 119 Macquarie Street, Hobart TAS 7000 Trustee: Motor Trades Association of Australia Superannuation Fund Pty Ltd ABN 14 008 650 628 AFSL 238 718 MTAA Superannuation Fund ABN 74 559 365 913 SPIN MTA0100AU 5472 12/12