How your money is invested Product name Investment Investment strategy About your account value objective MLC MasterKey MLC MasterKey To provide a The Trustee invests in suitably When money is paid into your account, units are Super & Pension selection of structured portfolios. allocated to your account and when money is paid Fundamentals investment Each investment option available out, units are deducted from your account. MLC MasterKey options so you has an individual investment The value of your account is based on: Business Super can invest objective and strategy. the number of units in your chosen investment according to options, and MLC MasterKey your individual Personal Super needs and the price of those units. MLC MasterKey circumstances. The overall value of your account will change Term Allocated according to the unit price and the number of units Pension you hold. Unit prices are calculated as at the end of each business day and robust unit pricing policies are used to do this. The unit price will reflect the performance of the underlying assets, income earned, fees, expenses and taxes paid and payable. The performance of the underlying assets is influenced by movements in investment markets such as local and overseas share markets, bond and property markets. If you would like to find out more about our unit pricing philosophy, go to mlc.com.au/ unitpricephilosophy NAB Term Deposit (only available to members in MLC MasterKey Super & Pension Fundamentals) A guaranteed interest rate is payable for the term selected. Interest is calculated daily and credited annually on the anniversary of the term, or on maturity. Early withdrawals are only permitted in extreme circumstances and will result in reduced interest. MLC Super Fund 2023 Annual Report | 15