Product Disclosure Statements

MLC Investments Limited (ABN 30 002 641 661) is the issuer of the MLC Investment Trust. Product Disclosure Statements for each of the underlying financial products are available above or by contacting your financial adviser, preferred master trust, wrap account or investor directed portfolio service provider. In deciding whether to acquire, or to continue to hold any of these financial products, you should consider the relevant Product Disclosure Statement. Applications for investing in the MLC Investment Trust can be made by contacting your financial adviser, preferred master trust, wrap account or investor directed portfolio service provider.

The information contained in this material has been prepared by MLC Limited (ABN 90 000 000 402) and is intended as general information only. It has not been prepared to take into account individual investment objectives, financial situation or investment needs. Prior to making an investment decision, you should assess whether the information in this material is appropriate to your particular investment objectives, financial situation or investment needs. Past performance is not indicative of future performance. The future value of your investment may rise and fall with the changes in the market.

An investment in the MLC Investment Trust does not represent a deposit with or a liability of National Australia Bank Limited (ABN 12 004 044 937) or other member company of the National Australia Bank Limited group of companies (referred to as the National group of companies) and is subject to investment risk including possible delays in repayment and loss of income and capital invested.

None of National Australia Bank Limited, MLC Investments Limited, MLC Limited or other member company in the National group of companies or appointed investment managers, guarantees the capital value, payment of income or performance of the MLC Investment Trust.