Through the recent union of MLC with NAB, the NAB were able to bring together MLC's strength in wealth management with NAB's strength in banking and financial
planning.

MLC is the wealth management division of the National Australia Bank (NAB), and has recently been joined by Aviva. MLC provides investment, superannuation,
insurance and private wealth solutions to corporate and institutional customers. In addition to this MLC maintains an extensive financial planning network including NAB Financial Planning, Godfrey Pembroke, Garvan Financial Planning, MLC Financial Planning and Apogee Financial Planning. MLC manages more than $75 billion on behalf of individual investors and corporate customers in Australia (as at June 2009).

Rebate Financial Services offers you the lowest cost way of accessing NAB and MLC products, be they new or existing. How do we do this?
MLC and NAB charges up to 5% on contributions to its managed funds and superanuation products. We can either cancel this charge or rebate it to you
in cash. Most products also contain a trailing commission, which is either kept by MLC or paid to a financial advisor. In most cases we will ebate 50% of this payment back to you.

The process is simple, quick and easy, best of all it does not affect your current investment/policy in any way and will not cost you a cent.
However, it could save you $000's. Read the "How Rebates Work" page to find out more.

Existing investors - We rebate 100% of entry fees on all future investments, contributions and regular savings plans. Further, Rebate Financial Services will pay you cash rebates equivalent to 50% of trailing commissions received, where we are paid over $20 per month. It is a 2 minute process, imply nominate Rebate Financial Services as your investment broker, using our one page nomination form.

New Investors – The same rebate policy applies. Either download the Product Disclosure Statement (PDS) for your chosen investment product, ill it out and mail it to Rebate Financial Services or, alternatively, send us your details and we will send you a stamped PDS which you can then submit directly to NAB/MLC.

Investments

MLC MasterKey Investment Service and MLC MasterKey Investment Service Fundamentals

The MLC MasterKey Investment Service and MLC MasterKey Investment Service Fundamentals are Investor Directed Portfolio Services (IDPS) through which you can acquire, hold and withdraw available investments. You can access a wide range of MLC investment options and single manager investment options (managed outside MLC). MLC provides an end of year tax statement and consolidated web reporting of your total MasterKey portfolio.  This includes your National Margin Lending facility where it is used to invest wholly in the MLC MasterKey Investment Service or MLC MasterKey Investment
Service Fundamentals.

The "Ready-to Invest" Menu is a simple and reliable way to invest - comprising of diversified multi-manager, multi-sector investment options that are managed by
MLC's investment team applying MLC Masterkey's Manager of Managers Investment Process. For a more hands on approach, the "Sector Choice" Menu enables investors
to be more active in constructing their investment portfolio, with specific market sector investment options, managed by both MLC super and other leading fund
managers.

What are the benefits?

* Choice of around 40 investment options
* Fund manager payments negotiated by MLC are passed back to your account
* MasterKey rewards you with management fee refunds based on your individual or   linked MasterKey portfolio balance
* One consolidated view of all your MasterKey products at mlc.com.au (investments, protection, cash, superannuation, allocated pension and margin lending+) making it easy for you to keep track of your investments.
* Call InfoDial, our automated telephone service on 133 661 to access information on your account and obtain unit prices.
* You can check unit prices, performance figures, current account balances and recent transaction details on mlc.com.au
* Use BPAY® - a quick and easy way to transfer funds from your participating financial institution to your MLC MasterKey Investment Service account or your MLC MasterKey Investment Service Fundamentals account
* Regular investment and withdrawal facilities

+ Where National Margin Lending is used to invest wholly in the MLC MasterKey Investment Service or MLC MasterKey Investment Service Fundamentals.

MLC Investment options

MLC MasterKey Horizon Series:    

Horizon 1 – Bond Portfolio
Horizon 2 – Income Portfolio
Horizon 3 – Conservative Growth Portfolio
Horizon 4 – Balanced Portfolio
Horizon 5 – Growth Portfolio
Horizon 6 – Share Portfolio
Horizon 7 – Accelerated Growth Portfolio
MLC Long-Term Absolute Return Portfolio

MLC Multi-Manager Style Funds:

MLC Australian Share Growth Style Fund

MLC Australian Share Value Style Fund
MLC Global Share Growth Style Fund
MLC Global Share Value Style Fund

MLC multi-manager sector funds:

MLC Australian Share Fund
MLC Global Share Fund
MLC IncomeBuilder™
MLC Property Securities Fund

MLC single manager sector funds:

MLC Capital International Global Share Fund 

MLC Cash Fund
MLC - Platinum Global Share Fund†

MLC single manager index fund:

MLC-Vanguard Australian Share Index Fund*
Vanguard Australian Shares Index Fund^

Single manager investment options (managed outside MLC)

ABN AMRO Australian Equity Fund
ABN AMRO Global Equity Fund
Ausbil Australian Emerging Leaders Fund
AXA Wholesale Global Equity - Value Fund
Colonial First State Wholesale Income Fund
Investors Mutual Australian Share Fund
IOOF / Perennial Value Shares Trust
Legg Mason Property Securities Trust
Perpetual's Wholesale Australian Fund
Perpetual's Wholesale Ethical SRI Fund
Perpetual's Wholesale Smaller Companies Fund No.2
Platinum International Fund
PM Capital Absolute Performance Fund
Schroder Wholesale Australian Equity Fund
UBS Australian Share Fund
UBS Hybrid Income Fund
Vanguard Australian Fixed Interest Index Fund
Vanguard International Fixed Interest Index Fund (Hedged)
Vanguard International Shares Index Fund (Hedged)
Vanguard International Shares Index Fund (Unhedged)
Vanguard Property Securities Index Fund

After opening an account, investors can easily invest in, and switch between a wide range of available funds. Consolidated reporting is provided in the end of year tax statement, and access to portfolio is available online 24 hours a day, 7 days a week.

Superannuation

MLC Super products

* MLC MasterKey Super
* MLC MasterKey Custom Superannuation
* MLC MasterKey Custom Self-Managed Super
* MLC MasterKey Business Super

Superannuation refers to the accumulation of wealth while you are working, to help meet the cost of living when you retire. In Australia, superannuation investments
are eligible for special tax concessions that are not available to other types of investments.

MLC Masterkey Super is an integrated portfolio management solution for accumulating savings via superannuation. Offering an extensive range of nvestment choices, MLC Super makes it easy for you to construct, build and manage your superannuation money. Online reporting enables you to log in and view your portfolio at any time.

For investors starting a pension account, MLC MasterKey Pension is a platform that assists in constucting, building and managing a retirement portfolio.
Available investment options include a wide range of single and multi-manager funds investing in specific and diversified investment market sectors. This includes
funds managed by MLC as well as by other leading fund managers.


Disclaimer: Information provided by Rebate Financial Services on this fund manager and its products is either factual or concerns observations of investor behaviour. This infotmation is not intended to be, and should not be considered to be recommendations or advice. If you require advice please contact your financial advisor, or contact Rebate Financial Services for a referal to one.