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TERMS & CONDITIONS

This page contains the following important information:

 * General advice warning
 * Terms of use

By accessing this website you agree to the following terms of use:

General advice warning

 * Any advice on this website has been prepared without taking into account your
   objectives, financial situation or needs. Before you act on any advice on
   this website, please consider whether the advice is appropriate for you
   having regard to your objectives, financial situation and needs.
 * A Product disclosure statement (PDS) is available for each product described
   on this website. Target Market Determinations (TMDs) for relevant products
   are also required to be made. Refer to Forms and publications in the Member
   site or phone us on 1300 55 7586, for a relevant PDS (or other disclosure
   documents) and TMD. Please read the PDS before making any decisions regarding
   a product. All products described on this website are issued by the trustee
   of the MLC Super Fund ABN 70 732 426 024, of which you are a member.
 * The advice on this website is provided by NULIS Nominees (Australia) Limited
   ABN 80 008 515 633 AFSL 236465 (Trustee).
   

Terms of use

This website is operated by NULIS Nominees (Australia) Limited ABN 80 008 515
633 AFSL 236465 (Trustee). References within this website to “we”, "us" or “our”
are references to the Trustee, unless otherwise stated. Use of the information
and materials on this website is governed by these terms of use (Terms of use)
and the Privacy policy (Privacy policy). Your use of this website indicates your
acceptance of these Terms of use and the Privacy policy of this website.

These are the current Terms of use and they replace any other Terms of use for
this website previously published on this website or earlier versions of this
website. We anticipate that this website will be enhanced on a continuing basis.
Therefore, the Trustee may at any time vary the Terms of use by publishing new
Terms of use on this website. You acknowledge that, by doing this, the Trustee
has provided you with sufficient notice of the variation. You should check the
website regularly.

You also acknowledge that your use of this website is subject to these Terms of
use on each and every occasion that you use the website.

To whom this information is provided

Information on this website is for Australian residents only and primarily for
members of the MLC Super Fund. Access to the services provided by the Trustee is
only available to Australian residents. The applicable law to the use of this
website and to any disputes arising out of this website is the law of the State
of Victoria, Australia.

No guarantee of performance

In relation to investing in any investment product, the Trustee does not
guarantee the capital invested or the performance of the specific investments
selected by investors.

Warranties

Information on this website is given in good faith and is derived from sources
believed to be accurate and reliable. The Trustee does not warrant or guarantee
the accuracy, timeliness, reliability, adequacy or completeness of the
information on this website, including the information provided by third
parties, such as fund managers. Neither the Trustee nor any of the companies in
the IOOF Group of Companies or any of their directors or employees accept any
responsibility for actions taken based on information on this website. The
information on this website can change without notice. The Trustee does not
guarantee that this website will be free from viruses.

Copyright

Except where expressly indicated otherwise, copyright in the information
contained in this website is owned, or licensed to be used, by the Trustee.
Information must not be altered or tampered with in any way. This information is
for your own personal use only. This information may not otherwise be reproduced
and must not be distributed, reproduced or transmitted to any other person.

Service/access

We will use our best efforts to provide access to this website on a 24 hour
basis. There may be an interruption to your access to the website and to the
information provided in this website to facilitate reasonable maintenance by the
Trustee, including a nightly maintenance outage from 12.00am to 1.00am. We will
not be liable to any person for interruptions to access or to the information on
this website.

Specified terms

In addition to these Terms of use, use of parts of this website may be subject
to specific and additional terms of use. You should always review any specific
and additional terms of use which are stated to apply on any particular page of
the website. In the event of any inconsistency between these Terms of use and
those other specific and additional provisions, the specific and additional
terms of use will prevail.

Disclaimer

The information on this website is of a general nature only and is not intended
to be a complete or definitive statement of the matters described in it. The
information has been prepared without taking into account any member's
particular investment objectives, financial situation or needs and is not
intended to be personal advice.

Each member should assess whether the information is appropriate to that
member's individual investment objectives, financial situation and particular
needs. The Trustee does not recommend that any member make decisions based
solely on the information contained on this website. Each member is responsible
for making his or her own decisions and obtaining whatever assistance he or she
believes necessary.

Termination

The agreement set out in these Terms of use and your access to this website may
be terminated at any time by the Trustee without notice.

Need help?

For further information, phone 1300 55 7586 8.00am to 7.00pm AEST (8.00pm
daylight savings time), Monday to Friday.


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NULIS Nominees (Australia) Limited ABN 80 008 515 633 AFSL 236465 is part of the
Insignia Financial Group of Companies, comprising Insignia Financial Ltd ABN 49
100 103 722 and its related bodies corporate (Insignia Financial Group).

Fund: MLC Super Fund ABN 70 732 426 024