1. MLC POPULAR CHART PACK Updated as at 30 June 2015 FOR ADVISERS ONLY

2. 2 This information has been provided by MLC Investments (ABN 30 002 641 661) and MLC Limited (ABN 90 000 000 402), members of the National Australia Bank group of companies, 105–153 Miller Street, North Sydney 2060. This communication contains general information and may constitute general advice. Any advice in this communication has been prepared without taking account of individual objectives, financial situation or needs. It should not be relied upon as a substitute for financial or other specialist advice. Before making any decisions on the basis of this communication, you should consider the appropriateness of its content having regard to your particular investment objectives, financial situation or individual needs. You should obtain a Product Disclosure Statement or other disclosure document relating to any financial product issued by MLC Investments Limited (ABN 30 002 641 661) and MLC Nominees Pty Ltd (ABN 93 002 814 959) as trustee of The Universal Super Scheme (ABN 44 928 361 101), and consider it before making any decision about whether to acquire or continue to hold the product. A copy of the Product Disclosure Statement or other disclosure document is available upon request by phoning the MLC call centre on 132 652 or on our website at mlc.com.au. An investment in any product offered by a member company of the National Australia Bank group of companies does not represent a deposit with or a liability of the National Australia Bank Limited ABN 12 004 044 937 or other member company of the National Australia Bank group and is subject to investment risk including possible delays in repayment and loss of income and capital invested. None of the National Australia Bank Limited, MLC Limited, MLC Investments Limited or other member company in the National Australia Bank group guarantees the capital value, payment of income or performance of any financial product referred to in this publication. Past performance is not indicative of future performance. The value of an investment may rise or fall with the changes in the market. Please note that all performance reported is before management fees and taxes, unless otherwise stated. Important information

3. Chart index 3 Chart titleSlideData source Cash and term deposit rates aren’t always high 5Term deposit rates over the past 10 years – Jana Corporate Investment Services, Reserve Bank of Australia. Data as at 30 June 2015. Based on banks’ 1 year term deposit rates ($10,000) Shares vs term deposits6Income and capital return on an investment of $100,000 in December 1980 – December 2011 - Based on calculations by Jana Corporate Investment Services as at 31 December and based on market index data. Shares – represented by the ASX All Ordinaries Accumulation and Price Indices. Income calculated as the difference between the return of the accumulation and price indices, multiplied by capital value. Term Deposit – represented by the Reserve Bank of Australia (RBA) 12 month Banks’ Term Deposits ($10,000), prior to January 1982, the RBA 12 month Term Deposit rate ($5000 - $10,000). All data assumes income is not re-invested. Growth of an investment in the Australian sharemarket over 20 years 7Value of $100,000 invested over 20 years (income reinvested) - Jana Corporate Investment Services, data as at 31 December 2014. Tick. Australian Shares: ASX All Ordinaries Accumulation Index Own or loan?8Investment of $100,000 in December 1989 - December 2014. Based on data from Reuters, ASX and Reserve Bank of Australia. Consistency of dividend returns 9Income on an investment of $100,000 in December 1980 – December 2014. Shares – represented by the ASX All Ordinaries Accumulation and Price Indices. Income calculated as the difference between the return of the accumulation and price indices, multiplied by capital value. Term Deposit – represented by the Reserve Bank of Australia (RBA) 12 month Banks’ Term Deposits ($10,000), prior to January 1982, the RBA 12 month Term Deposit rate ($5000 - $10,000). All data assumes income is not re-invested. Shares have outperformed cash 10Value of $100,000 invested over 20 years (income reinvested) - Factset, based on market index data updated to 31 December 2014. Australian shares: ASX All Ordinaries Accumulation Index. Cash: UBS Bank Bill Index The impact of inflation11The value of $1,000 invested for 10 years (taking into account inflation) - Data calculated over 10 year periods by Jana Corporate Investment Services using data provided by Global Financial Data, Inc. and Thomson Reuters Datastream.

4. 4 Chart titleSlideData source Days out of the market will erode your wealth 12Value of $10,000 invested over 20 years - Calculations by JANA Corporate Investment Services using data as at 31 December 2014. The ‘market’ is the Australian share market and is represented by the ASX All Ordinaries Accumulation Index. Growing your wealth through a regular investment strategy 13Dollar cost averaging calculations by JANA Corporate Investment Services Staying invested would have kept you ahead (‘the chaser’) 14The value of $100,000 invested in 1980 - Calculations by JANA Corporate Investment Services. Data as at 31 December 2014, based on market index data. All Ordinaries Accumulation Index, MSCI World Gross Accumulation Index ($A), UBS Warburg Composite Bond Index (ASAM) (Commonwealth Bank Bond Accumulation Index prior to September 1989), S&P/ASX200 Property Accumulation Index (Listed Property Trust Accumulation Index prior to July 2000), UBS Warburg Bank Bill Index (RBA 13 Week Treasury Notes prior to April 1987). Chaser assumes 100% investment in the highest performing asset class from the previous year. Balanced investor asset allocation: Australian shares:37%, Global shares: 24%, Australian Bonds: 31%, Listed property securities: 8%, Cash 0%. Income and dividends reinvested. Impact of world events on the Australian sharemarket 15The value of $100,000 invested in 1986 - JANA Corporate Investment Services, data as at 30 June 2015. Tick marks indicate 1 January. ASX All Ordinaries Accumulation Index. Following the latest trend – tech boom 16NASDAQ Composite Index - Value of $10,000 invested in December 1984 (dividend income not included) - Calculations by JANA Corporate Investment Services as at 30 June 2015. Comparison of returns from global shares and term deposits since 2002 17JANA Corporate Investment Services. Data as at 30 June 2015. MSCI World Index (hedged - $A). Term deposits: 1 year bank’s term deposit ($10,000) – Reserve Bank of Australia Chart index (continued)

5. One year term deposit rates Cash and term deposit rates aren’t always high 5 With low term deposit rates you may not get the level of growth and income you need to achieve your goals. Current RBA interest rate is 2.5% and a 1 year term deposit rate with the National Australia Bank is 3.2% They rise just as often as they fall 8.3% July 2008 3% March 2009 Return % Source: JANA Corporate Investment Services Limited, Reserve Bank of Australia. Data as at 30 June 2015. Based on banks’ 1 year term deposit rates ($10,000).

6. Shares vs term deposits 6 Source: Based on calculations by JANA Corporate Investment Services as at 31 December and based on market index data. Shares – represented by the ASX All Ordinaries Accumulation and Price Indices. Income calculated as the difference between the return of the accumulation and price indices, multiplied by capital value. Term Deposit – represented by the Reserve Bank of Australia (RBA) 12 month Banks’ Term Deposits ($10,000), prior to January 1982, the RBA 12 month Term Deposit rate ($5000 - $10,000). All data assumes income is not re-invested.. Capital value of term deposit does not grow Income from shares grows over time Income and capital return on an investment of $100,000 in December 1980 – December 2014

7. Despite recent sharemaket volatility, the long-term trend for shares has been up Growth of an investment in the Australian sharemarket over 20 years Source: JANA Corporate Investment Services, data as at 31 December 2014. Tick marks indicate 1 January. Australian Shares: ASX All Ordinaries Accumulation Index. 7 Value of $100,000 invested over 20 years (income reinvested)

8. Own or loan? Source: Calculations by JANA Corporate Investment Services as at 31 December 2014. Based on data from FactSet and Reserve Bank of Australia. 8 Investment of $10,000 in December 1989 – December 2014 Income and growth of a term deposit with NAB vs owning NAB shares

9. Consistency of dividend returns 9 Source: Shares – represented by the ASX All Ordinaries Accumulation and Price Indices. Income calculated as the difference between the return of the accumulation and price indices, multiplied by capital value. Term Deposit – represented by the Reserve Bank of Australia (RBA) 12 month Banks’ Term Deposits ($10,000), prior to January 1982, the RBA 12 month Term Deposit rate ($5000 - $10,000). All data assumes income is not re-invested. Income on an investment of $100,00 in December 1980 – December 2014 Income from term deposits was higher initially, but income from shares grew significantly

10. Shares have outperformed cash 10 Source: Factset, based on market index data updated to 31 December 2014. Australian shares: ASX All Ordinaries Accumulation Index. Cash: Bloomberg AusBond Bank Bill Index Based on an investment of $10,000 Based $10,000 Value of $100,000 invested over 20 years (income reinvested) Over the past 20 years, an investment in shares provided significantly more growth than an investment in cash GFC

11. The impact of inflation Source: Data calculated over 10 year periods by JANA Corporate Investment Services using data provided by Global Financial Data, Inc. and Thomson Reuters Datastream. 11 Value of investment (above inflation) Cash vs Australian shares

12. Days out of the market will erode your wealth Calculations by JANA Corporate Investment Services using data as at 31 December 2014. The ‘market’ is the Australian share market and is represented by the ASX All Ordinaries Accumulation Index. 12 Value of $10,000 invested over 20 years

13. This strategy takes the guess work out of when to invest Growing your wealth through a regular investment strategy ‘dollar cost averaging’ 13 MonthMonthly investment Unit priceUnits purchased 1$200$10.0020 2$200$6.6630 3$200$5.0040 4$200$6.6630 5$200$10.0020 Total$1,000140 Dollar cost averaging helps you benefit from short-term market volatility. By investing smaller amounts at regular intervals you’ll buy less when the market is up (and prices are high) and more when the market is down (prices are low). You may end up with greater units than if you invested in a lump sum. Total amount paid for investment = $1,000 Average price paid = $7.14 (ie $1,000/140 units) Investment value at the end of 5 months = $1,400 (ie 140 units at $10 each) Source: JANA Corporate Investment Services.

14. Over the long term, staying invested would have given you better returns compared to ‘the chaser’ who is clouded by hype and reacts to the latest news. Staying invested would have kept you ahead Source: Calculations by JANA Corporate Investment Services. Data as at 31 December 2014, based on market index data. All Ordinaries Accumulation Index, MSCI World Gross Accumulation Index ($A), Bloomberg AusBond Composite Bond Index (ASAM) (Commonwealth Bank Bond Accumulation Index prior to September 1989), S&P/ASX200 Property Accumulation Index (Listed Property Trust Accumulation Index prior to July 2000), Bloomberg AusBond Bank Bill Index (RBA 13 Week Treasury Notes prior to April 1987). Chaser assumes 100% investment in the highest performing asset class from the previous year. Balanced investor asset allocation: Australian shares:37%, Global shares: 24%, Australian Bonds: 31%, Listed property securities: 8%, Cash 0%. Income and dividends reinvested. 14 Balanced investor – Staying fully invested The value of $100,000 invested since December 1980 The chaser moves in and out of the market by investing in last year’s best performing asset class

15. Impact of world events on the Australian sharemarket Source: JANA Corporate Investment Services, data as at 31 December 2014. Tick marks indicate 1 January. Australian Shares: ASX All Ordinaries Accumulation Index. Global Shares: MSCI World Index ($A) 15 The value of $10,000 invested in 1986

16. Following the latest trend – tech boom Source: FactSet and JANA Corporate Investment Services. Technology stocks: NASDAQ Composite Index. 16 The value of $10,000 invested in November 1984 (dividend income not included) The impact of the tech boom and media hype Investors went into a frenzied buying spree. Invested heavily in companies without fully understanding the companies they were investing in. Companies began to fold and investors started to panic

17. If you’d remained invested in global shares after Lehman Brothers collapsed you’d have almost $282,045 compared to $147,040 if you moved your money to a term deposit. Comparison of returns from global shares and term deposits since 2002 Source: JANA Corporate Investment Services. Data as at 30 June 2015. MSCI World Index (hedged - $A). Term deposits: 1 year bank’s term deposit ($10,000) – Reserve Bank of Australia 17