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[Date][Licensee Logo]

[Salutation] [First Name] [Surname]

[Address]

[Suburb] [State] [Postcode]

Online discussion: your retirement options and choices

Dear [Salutation] [Surname],

With the current market turbulence, you are probably worrying about its effect on your super or pension and are keen to know what you can do to protect your retirement nest egg.

To help support you through this difficult time,I would like to invite you to come to my offices on Thursday 4 December2008 to view a live, online panel discussion with MLC.

The format for the 45-minute online discussion will be 15-minutes of presentations by MLC Investment Strategist Brian Parker and MLC General Manager Investment Products & Services Paul Maddock, followed by 30-minutes of live Q&A.

Brian will provide a market update and explain the issues of the day, and Paul will detail the options and choices people in or approaching retirement have, and what MLC is doing to support them. A panel of MLC experts will then answer our questions.

This will be a great opportunity for you to ask questions and hear what other people are saying. We can also arrange a follow up meeting after the webcast to discuss particular strategies that may be suitable for you.

Please feel free to extend this invitation to any of your friends or family, but you’ll need to book soon as seats are limited.

Simply telephone [name] on [phone number] by [Date2] and provide the names, contact telephone numbers and email addresses of those attending.

Alternatively if you are not able to make it to my offices, you can view the webcast live via [11am EDST] or at a later time that’s more convenient.

I hopeyou will be able to join me to participate in MLC’s online discussion. In the meantime, please call me if there’s anything else I can help you with.

Warm regards

[Adviser Name]

[Adviser Title]