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| IP Address: | 54.74.26.200 |
| ASN #: | AS16509 AMAZON-02, US |
| Location: | Unknown, Unknown, Unknown |
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>>> Last update of WHOIS database: 2024-04-24T04:22:15Z <<<
The data in the WHOIS database of Key-Systems GmbH is provided by
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height: calc(var(--scale-factor) * 841.92px);" data-main-rotation="0"><span class="markedContent"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*797.96px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.91085);" role="presentation" dir="ltr">Advice Plus Limited FSP91701</span><span style="left: calc(var(--scale-factor)*161.14px); top: calc(var(--scale-factor)*797.96px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*219.05px); top: calc(var(--scale-factor)*797.96px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.916333);" role="presentation" dir="ltr">1 Airborne Road, Rosedale, Auckland 0632</span><span style="left: calc(var(--scale-factor)*376.26px); top: calc(var(--scale-factor)*797.96px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" dir="ltr" aria-owns="pdfjs_internal_id_9R"> </span><span style="left: calc(var(--scale-factor)*483.46px); top: calc(var(--scale-factor)*797.96px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.914585);" role="presentation" dir="ltr">adviceplus.co.nz</span></span><span class="markedContent" id="page3R_mcid0"></span><span class="markedContent" id="page3R_mcid1"></span><span class="markedContent" id="page3R_mcid2"></span><span class="markedContent" id="page3R_mcid3"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*164.14px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.916967);" role="presentation" dir="ltr">I provide advice on behalf of my own company, Advice Plus Limited, who is the Financial Advice Provider Licence holder issued</span><span style="left: calc(var(--scale-factor)*519.58px); top: calc(var(--scale-factor)*164.14px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*521.98px); top: calc(var(--scale-factor)*164.14px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.909897);" role="presentation" dir="ltr">by</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*175.06px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.919755);" role="presentation" dir="ltr">the Financial Markets Authority to provide financial advice.</span></span><span class="markedContent" id="page3R_mcid4"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*196.28px); font-size: calc(var(--scale-factor)*9.00px); font-family: sans-serif; transform: scaleX(1.00145);" role="presentation" dir="ltr">My contact details</span></span><span class="markedContent" id="page3R_mcid5"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*216.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.984244);" role="presentation" dir="ltr">Financial Service:</span><span style="left: calc(var(--scale-factor)*120.10px); top: calc(var(--scale-factor)*216.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*122.18px); top: calc(var(--scale-factor)*216.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.921118);" role="presentation" dir="ltr">Heath Cleland</span><span style="left: calc(var(--scale-factor)*174.60px); top: calc(var(--scale-factor)*216.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*176.66px); top: calc(var(--scale-factor)*216.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">(</span><span style="left: calc(var(--scale-factor)*179.06px); top: calc(var(--scale-factor)*216.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.903499);" role="presentation" dir="ltr">FSP107311</span><span style="left: calc(var(--scale-factor)*219.89px); top: calc(var(--scale-factor)*216.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">)</span></span><span class="markedContent" id="page3R_mcid6"><span style="left: calc(var(--scale-factor)*222.27px); top: calc(var(--scale-factor)*216.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*254.93px); top: calc(var(--scale-factor)*216.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(1.01488);" role="presentation" dir="ltr">Mobile:</span><span style="left: calc(var(--scale-factor)*284.45px); top: calc(var(--scale-factor)*216.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*286.49px); top: calc(var(--scale-factor)*216.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.89442);" role="presentation" dir="ltr">02</span><span style="left: calc(var(--scale-factor)*295.61px); top: calc(var(--scale-factor)*216.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">1</span><span style="left: calc(var(--scale-factor)*300.21px); top: calc(var(--scale-factor)*216.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*302.21px); top: calc(var(--scale-factor)*216.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.884448);" role="presentation" dir="ltr">894 303</span></span><span class="markedContent" id="page3R_mcid7"><br role="presentation"><span style="left: calc(var(--scale-factor)*393.91px); top: calc(var(--scale-factor)*232.30px); font-size: calc(var(--scale-factor)*7.56px); font-family: sans-serif; transform: scaleX(0.920795);" role="presentation" dir="ltr">Scan to download my</span><br role="presentation"><span style="left: calc(var(--scale-factor)*393.91px); top: calc(var(--scale-factor)*242.53px); font-size: calc(var(--scale-factor)*7.56px); font-family: sans-serif; transform: scaleX(0.926053);" role="presentation" dir="ltr">details to your phone</span></span><span class="markedContent" id="undefined"></span><span class="markedContent" id="page3R_mcid8"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*237.13px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(1.0075);" role="presentation" dir="ltr">Provider Numbers:</span><span style="left: calc(var(--scale-factor)*126.47px); top: calc(var(--scale-factor)*237.13px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*128.54px); top: calc(var(--scale-factor)*237.13px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.90371);" role="presentation" dir="ltr">Advice Plus Limited (FSP9170)</span></span><span class="markedContent" id="page3R_mcid9"><span style="left: calc(var(--scale-factor)*238.86px); top: calc(var(--scale-factor)*237.13px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*254.93px); top: calc(var(--scale-factor)*237.13px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.973669);" role="presentation" dir="ltr">Email:</span></span><span class="markedContent" id="page3R_mcid10"><span style="left: calc(var(--scale-factor)*279.29px); top: calc(var(--scale-factor)*237.13px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" dir="ltr" aria-owns="pdfjs_internal_id_12R"> </span><span style="left: calc(var(--scale-factor)*281.33px); top: calc(var(--scale-factor)*237.13px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.916218);" role="presentation" dir="ltr">heath@adviceplus.co.nz</span></span><span class="markedContent" id="page3R_mcid11"></span><span class="markedContent" id="undefined"></span><span class="markedContent" id="page3R_mcid12"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*258.13px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.984698);" role="presentation" dir="ltr">Address:</span><span style="left: calc(var(--scale-factor)*85.22px); top: calc(var(--scale-factor)*258.13px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*87.26px); top: calc(var(--scale-factor)*258.13px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.922716);" role="presentation" dir="ltr">1 Airborne Road, Rosedale, Auckland</span></span><span class="markedContent" id="page3R_mcid13"><span style="left: calc(var(--scale-factor)*224.31px); top: calc(var(--scale-factor)*258.13px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*254.93px); top: calc(var(--scale-factor)*258.13px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.993843);" role="presentation" dir="ltr">Website:</span></span><span class="markedContent" id="page3R_mcid14"><span style="left: calc(var(--scale-factor)*289.49px); top: calc(var(--scale-factor)*258.13px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" dir="ltr" aria-owns="pdfjs_internal_id_13R"> </span><span style="left: calc(var(--scale-factor)*291.53px); top: calc(var(--scale-factor)*258.13px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.926381);" role="presentation" dir="ltr">www.adviceplus.co.nz</span></span><span class="markedContent" id="page3R_mcid15"></span><span class="markedContent" id="undefined"></span><span class="markedContent" id="page3R_mcid16"></span><span class="markedContent" id="page3R_mcid17"><br role="presentation"><span style="left: calc(var(--scale-factor)*50.40px); top: calc(var(--scale-factor)*285.01px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*165.62px); top: calc(var(--scale-factor)*285.01px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*280.85px); top: calc(var(--scale-factor)*285.01px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*396.07px); top: calc(var(--scale-factor)*285.01px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*511.30px); top: calc(var(--scale-factor)*285.01px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895575);" role="presentation" dir="ltr">_________</span></span><span class="markedContent" id="page3R_mcid18"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*306.23px); font-size: calc(var(--scale-factor)*9.00px); font-family: sans-serif; transform: scaleX(1.00226);" role="presentation" dir="ltr">How I am trained</span></span><span class="markedContent" id="page3R_mcid19"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*324.13px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.905626);" role="presentation" dir="ltr">I have completed my New Zealand Certificate in Financial Services (level 5) in Life, Disability and Health Insurance.</span></span><span class="markedContent" id="page3R_mcid20"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*341.05px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.918821);" role="presentation" dir="ltr">I continue to complete all necessary training as required by the product</span><span style="left: calc(var(--scale-factor)*316.84px); top: calc(var(--scale-factor)*341.05px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*319.15px); top: calc(var(--scale-factor)*341.05px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.920335);" role="presentation" dir="ltr">providers I offer advice on.</span></span><span class="markedContent" id="page3R_mcid21"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*357.85px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.922476);" role="presentation" dir="ltr">I maintain a record of all Continuing Professional Development I undertake to maintain my knowledge and competence. This</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*368.77px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.922922);" role="presentation" dir="ltr">includes ongoing training from product providers and industry bodies to keep my skills up to date.</span></span><span class="markedContent" id="page3R_mcid22"><br role="presentation"><span style="left: calc(var(--scale-factor)*50.40px); top: calc(var(--scale-factor)*385.69px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*165.62px); top: calc(var(--scale-factor)*385.69px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*280.85px); top: calc(var(--scale-factor)*385.69px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*396.07px); top: calc(var(--scale-factor)*385.69px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*511.30px); top: calc(var(--scale-factor)*385.69px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895575);" role="presentation" dir="ltr">_________</span></span><span class="markedContent" id="page3R_mcid23"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*406.93px); font-size: calc(var(--scale-factor)*9.00px); font-family: sans-serif; transform: scaleX(0.98967);" role="presentation" dir="ltr">Areas I can provide Insurance Advice</span></span><span class="markedContent" id="page3R_mcid24"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*424.83px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.918433);" role="presentation" dir="ltr">The following are the areas of personal or business risk and insurance advice that I can provide</span></span><span class="markedContent" id="page3R_mcid25"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*441.75px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.99079);" role="presentation" dir="ltr">Personal Risk Insurance needs arising from:</span></span><span class="markedContent" id="page3R_mcid26"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*458.67px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span></span><span class="markedContent" id="page3R_mcid27"><span style="left: calc(var(--scale-factor)*54.70px); top: calc(var(--scale-factor)*458.67px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*65.18px); top: calc(var(--scale-factor)*458.67px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.913212);" role="presentation" dir="ltr">Untimely Death (Life Insurance)</span></span><span class="markedContent" id="page3R_mcid28"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*469.59px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span></span><span class="markedContent" id="page3R_mcid29"><span style="left: calc(var(--scale-factor)*54.70px); top: calc(var(--scale-factor)*469.59px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*65.18px); top: calc(var(--scale-factor)*469.59px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.920891);" role="presentation" dir="ltr">Suffering specified serious illnesses or disabilities (Trauma Insurance)</span></span><span class="markedContent" id="page3R_mcid30"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*480.39px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span></span><span class="markedContent" id="page3R_mcid31"><span style="left: calc(var(--scale-factor)*54.70px); top: calc(var(--scale-factor)*480.39px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*65.18px); top: calc(var(--scale-factor)*480.39px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.91874);" role="presentation" dir="ltr">Suffering a permanent disability (Permanent Disability Insurance)</span></span><span class="markedContent" id="page3R_mcid32"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*491.31px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span></span><span class="markedContent" id="page3R_mcid33"><span style="left: calc(var(--scale-factor)*54.70px); top: calc(var(--scale-factor)*491.31px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*65.18px); top: calc(var(--scale-factor)*491.31px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.924927);" role="presentation" dir="ltr">Loss of Income through sickness or disability (Income/Mortgage Protection Insurance)</span></span><span class="markedContent" id="page3R_mcid34"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*502.23px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span></span><span class="markedContent" id="page3R_mcid35"><span style="left: calc(var(--scale-factor)*54.70px); top: calc(var(--scale-factor)*502.23px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*65.18px); top: calc(var(--scale-factor)*502.23px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.916397);" role="presentation" dir="ltr">Requiring timely hospital or specialist treatment (Health Insurance)</span></span><span class="markedContent" id="page3R_mcid36"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*519.15px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.984406);" role="presentation" dir="ltr">Business Risk Insurance needs arising from:</span></span><span class="markedContent" id="page3R_mcid37"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*535.95px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span></span><span class="markedContent" id="page3R_mcid38"><span style="left: calc(var(--scale-factor)*54.70px); top: calc(var(--scale-factor)*535.95px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*65.18px); top: calc(var(--scale-factor)*535.95px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.920726);" role="presentation" dir="ltr">The loss of a key person through death or disability</span></span><span class="markedContent" id="page3R_mcid39"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*546.87px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span></span><span class="markedContent" id="page3R_mcid40"><span style="left: calc(var(--scale-factor)*54.70px); top: calc(var(--scale-factor)*546.87px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*65.18px); top: calc(var(--scale-factor)*546.87px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.918813);" role="presentation" dir="ltr">Retirement of business debt and other liabilities caused by death or disability</span></span><span class="markedContent" id="page3R_mcid41"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*557.79px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span></span><span class="markedContent" id="page3R_mcid42"><span style="left: calc(var(--scale-factor)*54.70px); top: calc(var(--scale-factor)*557.79px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*65.18px); top: calc(var(--scale-factor)*557.79px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.918414);" role="presentation" dir="ltr">Succession, partnership and share purchase needs caused by death or disability</span></span><span class="markedContent" id="page3R_mcid43"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*574.74px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.991149);" role="presentation" dir="ltr">I can source Insurance products from the following companies:</span></span><span class="markedContent" id="page3R_mcid44"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*589.62px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.927877);" role="presentation" dir="ltr">AIA</span></span><span class="markedContent" id="page3R_mcid45"><span style="left: calc(var(--scale-factor)*63.41px); top: calc(var(--scale-factor)*589.62px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*164.42px); top: calc(var(--scale-factor)*589.62px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.93731);" role="presentation" dir="ltr">Partners Life</span></span><span class="markedContent" id="page3R_mcid46"><span style="left: calc(var(--scale-factor)*211.74px); top: calc(var(--scale-factor)*589.62px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*277.85px); top: calc(var(--scale-factor)*589.62px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.930992);" role="presentation" dir="ltr">Asteron Life</span></span><span class="markedContent" id="page3R_mcid47"><span style="left: calc(var(--scale-factor)*322.53px); top: calc(var(--scale-factor)*589.62px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*391.27px); top: calc(var(--scale-factor)*589.62px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.931625);" role="presentation" dir="ltr">Chubb Life</span></span><span class="markedContent" id="undefined"></span><span class="markedContent" id="page3R_mcid48"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*600.54px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.930767);" role="presentation" dir="ltr">Accuro Health</span></span><span class="markedContent" id="page3R_mcid49"><span style="left: calc(var(--scale-factor)*103.42px); top: calc(var(--scale-factor)*600.54px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*164.42px); top: calc(var(--scale-factor)*600.54px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.977401);" role="presentation" dir="ltr">NIB</span></span><span class="markedContent" id="page3R_mcid50"><span style="left: calc(var(--scale-factor)*178.02px); top: calc(var(--scale-factor)*600.54px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*277.85px); top: calc(var(--scale-factor)*600.54px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.916296);" role="presentation" dir="ltr">Fidelity Life</span></span><span class="markedContent" id="page3R_mcid51"><span style="left: calc(var(--scale-factor)*319.77px); top: calc(var(--scale-factor)*600.54px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*391.27px); top: calc(var(--scale-factor)*600.54px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.929517);" role="presentation" dir="ltr">Southern Cross Health Insurance</span></span><span class="markedContent" id="undefined"></span><span class="markedContent" id="page3R_mcid52"></span><span class="markedContent" id="page3R_mcid53"><br role="presentation"><span style="left: calc(var(--scale-factor)*50.40px); top: calc(var(--scale-factor)*623.46px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*165.62px); top: calc(var(--scale-factor)*623.46px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*280.85px); top: calc(var(--scale-factor)*623.46px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*396.07px); top: calc(var(--scale-factor)*623.46px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*511.30px); top: calc(var(--scale-factor)*623.46px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895575);" role="presentation" dir="ltr">_________</span></span><span class="markedContent" id="page3R_mcid54"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*644.68px); font-size: calc(var(--scale-factor)*9.00px); font-family: sans-serif; transform: scaleX(0.988794);" role="presentation" dir="ltr">My advice</span><span style="left: calc(var(--scale-factor)*96.00px); top: calc(var(--scale-factor)*644.68px); font-size: calc(var(--scale-factor)*9.00px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*98.30px); top: calc(var(--scale-factor)*644.68px); font-size: calc(var(--scale-factor)*9.00px); font-family: sans-serif;" role="presentation" dir="ltr">p</span><span style="left: calc(var(--scale-factor)*104.06px); top: calc(var(--scale-factor)*644.68px); font-size: calc(var(--scale-factor)*9.00px); font-family: sans-serif; transform: scaleX(0.985699);" role="presentation" dir="ltr">rocess</span></span><span class="markedContent" id="page3R_mcid55"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*662.58px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.914652);" role="presentation" dir="ltr">I follow an internationally recognised six step advice process which involves:</span></span><span class="markedContent" id="page3R_mcid56"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*679.50px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span></span><span class="markedContent" id="page3R_mcid57"><span style="left: calc(var(--scale-factor)*54.70px); top: calc(var(--scale-factor)*679.50px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*65.18px); top: calc(var(--scale-factor)*679.50px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.914505);" role="presentation" dir="ltr">Establishing the areas of advice for the current engagement</span></span><span class="markedContent" id="page3R_mcid58"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*690.30px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span></span><span class="markedContent" id="page3R_mcid59"><span style="left: calc(var(--scale-factor)*54.70px); top: calc(var(--scale-factor)*690.30px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*65.18px); top: calc(var(--scale-factor)*690.30px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.919785);" role="presentation" dir="ltr">Questioning and discussing your needs and objectives</span></span><span class="markedContent" id="page3R_mcid60"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*701.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span></span><span class="markedContent" id="page3R_mcid61"><span style="left: calc(var(--scale-factor)*54.70px); top: calc(var(--scale-factor)*701.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*65.18px); top: calc(var(--scale-factor)*701.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.918577);" role="presentation" dir="ltr">Further analysis and research by me, using a unique calculator tool to design a customised solution to match your needs</span></span><span class="markedContent" id="page3R_mcid62"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*712.14px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span></span><span class="markedContent" id="page3R_mcid63"><span style="left: calc(var(--scale-factor)*54.70px); top: calc(var(--scale-factor)*712.14px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*65.18px); top: calc(var(--scale-factor)*712.14px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.927701);" role="presentation" dir="ltr">Preparing a written report and presenting my recommendations to you</span></span><span class="markedContent" id="page3R_mcid64"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*723.08px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span></span><span class="markedContent" id="page3R_mcid65"><span style="left: calc(var(--scale-factor)*54.70px); top: calc(var(--scale-factor)*723.08px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*65.18px); top: calc(var(--scale-factor)*723.08px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.920793);" role="presentation" dir="ltr">Implement the options you select</span></span><span class="markedContent" id="page3R_mcid66"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*734.00px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span></span><span class="markedContent" id="page3R_mcid67"><span style="left: calc(var(--scale-factor)*54.70px); top: calc(var(--scale-factor)*734.00px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*65.18px); top: calc(var(--scale-factor)*734.00px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.914971);" role="presentation" dir="ltr">Contacting you on a regular basis to review these solutions and strategies</span></span><span class="markedContent" id="page3R_mcid68"></span><span class="markedContent" id="page3R_mcid69"></span><span class="markedContent" id="page3R_mcid70"></span><div class="endOfContent"></div></div><div class="annotationLayer" style="width: calc(var(--scale-factor) * 595.32px); 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height: calc(var(--scale-factor) * 841.92px);" data-main-rotation="0"><span class="markedContent"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*797.96px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.91085);" role="presentation" dir="ltr">Advice Plus Limited FSP91701</span><span style="left: calc(var(--scale-factor)*161.14px); top: calc(var(--scale-factor)*797.96px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*219.05px); top: calc(var(--scale-factor)*797.96px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.916333);" role="presentation" dir="ltr">1 Airborne Road, Rosedale, Auckland 0632</span><span style="left: calc(var(--scale-factor)*376.26px); top: calc(var(--scale-factor)*797.96px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" dir="ltr" aria-owns="pdfjs_internal_id_25R"> </span><span style="left: calc(var(--scale-factor)*483.46px); top: calc(var(--scale-factor)*797.96px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.914585);" role="presentation" dir="ltr">adviceplus.co.nz</span></span><span class="markedContent" id="page23R_mcid0"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*45.18px); font-size: calc(var(--scale-factor)*9.00px); font-family: sans-serif; transform: scaleX(1.01263);" role="presentation" dir="ltr">My obligation</span></span><span class="markedContent" id="page23R_mcid1"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*63.08px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.913008);" role="presentation" dir="ltr">I have duties and obligations under the Financial Markets Conduct Act 2013 relating to how I give advice. I also belong to a</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*74.14px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.922948);" role="presentation" dir="ltr">professional organisation, Financial Advice New Zealand, and am required to abide by their professional standards.</span></span><span class="markedContent" id="page23R_mcid2"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*90.94px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.994518);" role="presentation" dir="ltr">I am required to:</span></span><span class="markedContent" id="page23R_mcid3"><br role="presentation"><span style="left: calc(var(--scale-factor)*58.56px); top: calc(var(--scale-factor)*107.98px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">✓</span></span><span class="markedContent" id="page23R_mcid4"><span style="left: calc(var(--scale-factor)*64.58px); top: calc(var(--scale-factor)*107.98px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*72.38px); top: calc(var(--scale-factor)*107.86px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.921881);" role="presentation" dir="ltr">Ensure you understand the nature and scope of service</span><br role="presentation"><span style="left: calc(var(--scale-factor)*72.38px); top: calc(var(--scale-factor)*118.78px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.918959);" role="presentation" dir="ltr">you ask me to provide</span></span><span class="markedContent" id="page23R_mcid5"><br role="presentation"><span style="left: calc(var(--scale-factor)*306.77px); top: calc(var(--scale-factor)*107.98px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">✓</span></span><span class="markedContent" id="page23R_mcid6"><span style="left: calc(var(--scale-factor)*312.79px); top: calc(var(--scale-factor)*107.98px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*320.47px); top: calc(var(--scale-factor)*107.86px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.909978);" role="presentation" dir="ltr">Exercise care diligence and skill in providing you with advice</span></span><span class="markedContent" id="undefined"></span><span class="markedContent" id="page23R_mcid7"><br role="presentation"><span style="left: calc(var(--scale-factor)*58.56px); top: calc(var(--scale-factor)*129.82px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">✓</span></span><span class="markedContent" id="page23R_mcid8"><span style="left: calc(var(--scale-factor)*64.58px); top: calc(var(--scale-factor)*129.82px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*72.38px); top: calc(var(--scale-factor)*129.58px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.908117);" role="presentation" dir="ltr">Provide an advice service that is relevant to</span><span style="left: calc(var(--scale-factor)*233.11px); top: calc(var(--scale-factor)*129.58px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*235.37px); top: calc(var(--scale-factor)*129.58px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.921148);" role="presentation" dir="ltr">this scope of</span><br role="presentation"><span style="left: calc(var(--scale-factor)*72.38px); top: calc(var(--scale-factor)*140.50px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.915857);" role="presentation" dir="ltr">service and suitable to your circumstances and needs</span></span><span class="markedContent" id="page23R_mcid9"><br role="presentation"><span style="left: calc(var(--scale-factor)*306.77px); top: calc(var(--scale-factor)*129.82px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">✓</span></span><span class="markedContent" id="page23R_mcid10"><span style="left: calc(var(--scale-factor)*312.79px); top: calc(var(--scale-factor)*129.82px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*320.47px); top: calc(var(--scale-factor)*129.58px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.918719);" role="presentation" dir="ltr">Meet the necessary standards of competence, knowledge</span><br role="presentation"><span style="left: calc(var(--scale-factor)*320.47px); top: calc(var(--scale-factor)*140.50px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.916122);" role="presentation" dir="ltr">and skill to provide you with the advice requested.</span></span><span class="markedContent" id="undefined"></span><span class="markedContent" id="page23R_mcid11"><br role="presentation"><span style="left: calc(var(--scale-factor)*58.56px); top: calc(var(--scale-factor)*153.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">✓</span></span><span class="markedContent" id="page23R_mcid12"><span style="left: calc(var(--scale-factor)*64.58px); top: calc(var(--scale-factor)*153.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*72.38px); top: calc(var(--scale-factor)*153.10px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.918893);" role="presentation" dir="ltr">Listen to your needs, concerns, preferences and to treat</span><br role="presentation"><span style="left: calc(var(--scale-factor)*72.38px); top: calc(var(--scale-factor)*164.02px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.916355);" role="presentation" dir="ltr">you fairly and with respect</span></span><span class="markedContent" id="page23R_mcid13"><br role="presentation"><span style="left: calc(var(--scale-factor)*306.77px); top: calc(var(--scale-factor)*153.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">✓</span></span><span class="markedContent" id="page23R_mcid14"><span style="left: calc(var(--scale-factor)*312.79px); top: calc(var(--scale-factor)*153.22px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*320.47px); top: calc(var(--scale-factor)*153.10px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.924582);" role="presentation" dir="ltr">Ensure you understand my advice and recommendation and</span><br role="presentation"><span style="left: calc(var(--scale-factor)*320.47px); top: calc(var(--scale-factor)*164.02px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.909642);" role="presentation" dir="ltr">any associated risks</span></span><span class="markedContent" id="undefined"></span><span class="markedContent" id="page23R_mcid15"><br role="presentation"><span style="left: calc(var(--scale-factor)*58.56px); top: calc(var(--scale-factor)*176.74px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">✓</span></span><span class="markedContent" id="page23R_mcid16"><span style="left: calc(var(--scale-factor)*64.58px); top: calc(var(--scale-factor)*176.74px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*72.38px); top: calc(var(--scale-factor)*176.62px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.912802);" role="presentation" dir="ltr">Act with integrity and give priority to your interests and</span><br role="presentation"><span style="left: calc(var(--scale-factor)*72.38px); top: calc(var(--scale-factor)*187.54px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.910719);" role="presentation" dir="ltr">give advice not influenced by my own interests</span></span><span class="markedContent" id="page23R_mcid17"><br role="presentation"><span style="left: calc(var(--scale-factor)*306.77px); top: calc(var(--scale-factor)*176.74px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">✓</span></span><span class="markedContent" id="page23R_mcid18"><span style="left: calc(var(--scale-factor)*312.79px); top: calc(var(--scale-factor)*176.74px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*320.47px); top: calc(var(--scale-factor)*176.62px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.921579);" role="presentation" dir="ltr">Keep you informed along the way and communicate in a</span><br role="presentation"><span style="left: calc(var(--scale-factor)*320.47px); top: calc(var(--scale-factor)*187.54px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.908777);" role="presentation" dir="ltr">timely, clear and effective manner</span></span><span class="markedContent" id="undefined"></span><span class="markedContent" id="page23R_mcid19"></span><span class="markedContent" id="page23R_mcid20"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*206.14px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.912862);" role="presentation" dir="ltr">This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financi</span><span style="left: calc(var(--scale-factor)*504.70px); top: calc(var(--scale-factor)*206.14px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.932067);" role="presentation" dir="ltr">al Markets</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*216.94px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.918322);" role="presentation" dir="ltr">Authority website at</span></span><span class="markedContent" id="page23R_mcid21"><span style="left: calc(var(--scale-factor)*125.92px); top: calc(var(--scale-factor)*216.94px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" dir="ltr" aria-owns="pdfjs_internal_id_31R"> </span><span style="left: calc(var(--scale-factor)*128.06px); top: calc(var(--scale-factor)*216.94px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.930685);" role="presentation" dir="ltr">https://www.fma.govt.nz</span></span><span class="markedContent" id="page23R_mcid22"></span><span class="markedContent" id="page23R_mcid23"><br role="presentation"><span style="left: calc(var(--scale-factor)*50.40px); top: calc(var(--scale-factor)*233.89px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*165.62px); top: calc(var(--scale-factor)*233.89px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*280.85px); top: calc(var(--scale-factor)*233.89px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*396.07px); top: calc(var(--scale-factor)*233.89px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*511.30px); top: calc(var(--scale-factor)*233.89px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895575);" role="presentation" dir="ltr">_________</span></span><span class="markedContent" id="page23R_mcid24"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*255.23px); font-size: calc(var(--scale-factor)*9.00px); font-family: sans-serif; transform: scaleX(0.998973);" role="presentation" dir="ltr">How I’m remunerated</span></span><span class="markedContent" id="page23R_mcid25"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*275.05px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.919585);" role="presentation" dir="ltr">I receive commissions from the relevant insurance company if</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*285.97px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.914632);" role="presentation" dir="ltr">you take out new insurance following my advice. The</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*296.89px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.913069);" role="presentation" dir="ltr">commissions vary between 30%</span><span style="left: calc(var(--scale-factor)*169.86px); top: calc(var(--scale-factor)*296.89px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*171.86px); top: calc(var(--scale-factor)*296.89px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.896992);" role="presentation" dir="ltr">and 210% of the first year’s</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*307.81px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.93031);" role="presentation" dir="ltr">premiums of your policy</span><span style="left: calc(var(--scale-factor)*141.78px); top: calc(var(--scale-factor)*307.81px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*143.90px); top: calc(var(--scale-factor)*307.81px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">–</span><span style="left: calc(var(--scale-factor)*147.92px); top: calc(var(--scale-factor)*307.81px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*150.02px); top: calc(var(--scale-factor)*307.81px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.929607);" role="presentation" dir="ltr">the amount depends on which</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*318.61px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.916071);" role="presentation" dir="ltr">insurance company you choose. I also receive a renewal</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*329.53px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.918201);" role="presentation" dir="ltr">commission of between 7% and 30% of the premium, for each</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*340.45px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.91933);" role="presentation" dir="ltr">year the policy remains in force. I will confirm the amount</span><span style="left: calc(var(--scale-factor)*265.51px); top: calc(var(--scale-factor)*340.45px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*267.65px); top: calc(var(--scale-factor)*340.45px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.985548);" role="presentation" dir="ltr">of</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*351.37px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.91816);" role="presentation" dir="ltr">commission Advice Plus Limited will receive when I provide my</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*362.17px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.931349);" role="presentation" dir="ltr">recommendation to you.</span></span><span class="markedContent" id="page23R_mcid26"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*379.09px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.917887);" role="presentation" dir="ltr">To ensure that I prioritise my clients' interests above my own, I</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*390.01px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.919408);" role="presentation" dir="ltr">follow a unique advice process that ensures my</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*400.95px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.921003);" role="presentation" dir="ltr">recommendations are based on my clients' individual needs</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*411.87px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.918967);" role="presentation" dir="ltr">and circumstances. I further manage possible conflicts of</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*422.67px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.899644);" role="presentation" dir="ltr">interest by having access t</span><span style="left: calc(var(--scale-factor)*148.70px); top: calc(var(--scale-factor)*422.67px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.930486);" role="presentation" dir="ltr">o and presenting options from a full</span></span><span class="markedContent" id="page23R_mcid27"><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*275.05px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.92777);" role="presentation" dir="ltr">range of product providers. I also undergo training about how</span><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*285.97px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.919905);" role="presentation" dir="ltr">to manage conflicts of interest and undertake a periodic</span><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*296.89px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.924438);" role="presentation" dir="ltr">compliance audit and review of our compliance programme.</span></span><span class="markedContent" id="page23R_mcid28"><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*313.81px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.911469);" role="presentation" dir="ltr">As a member of The Adviser Platform (TAP), we have access to</span><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*324.61px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.915033);" role="presentation" dir="ltr">a Client Relationship Management (CRM) system which is</span><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*335.53px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.927626);" role="presentation" dir="ltr">discounted due to partial funding provided by some insurers</span><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*346.45px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.930228);" role="presentation" dir="ltr">directly to the CRM platform provider.</span></span><span class="markedContent" id="page23R_mcid29"><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*363.37px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.907967);" role="presentation" dir="ltr">I may receive a fee for Referred Services during the advice</span><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*374.17px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.930834);" role="presentation" dir="ltr">process.</span></span><span class="markedContent" id="page23R_mcid30"><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*391.09px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.917609);" role="presentation" dir="ltr">From time to time I could participate in, or attend events</span><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*402.03px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.928907);" role="presentation" dir="ltr">organised by an Insurance Provider, or be rewarded for</span><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*412.95px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.911721);" role="presentation" dir="ltr">business I provide to them. This may include tickets to events,</span><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*423.87px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.922794);" role="presentation" dir="ltr">hampers or other incentives.</span></span><span class="markedContent" id="undefined"></span><span class="markedContent" id="page23R_mcid31"><br role="presentation"><span style="left: calc(var(--scale-factor)*50.40px); top: calc(var(--scale-factor)*440.79px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*165.62px); top: calc(var(--scale-factor)*440.79px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*280.85px); top: calc(var(--scale-factor)*440.79px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*396.07px); top: calc(var(--scale-factor)*440.79px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*511.30px); top: calc(var(--scale-factor)*440.79px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895575);" role="presentation" dir="ltr">_________</span></span><span class="markedContent" id="page23R_mcid32"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*462.01px); font-size: calc(var(--scale-factor)*9.00px); font-family: sans-serif; transform: scaleX(0.975697);" role="presentation" dir="ltr">Fees</span></span><span class="markedContent" id="page23R_mcid33"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*481.83px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.925778);" role="presentation" dir="ltr">By the time I have presented our report and recommendations</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*492.75px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.915468);" role="presentation" dir="ltr">to you, we would have invested approximately 7</span><span style="left: calc(var(--scale-factor)*230.34px); top: calc(var(--scale-factor)*492.75px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*232.49px); top: calc(var(--scale-factor)*492.75px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">–</span><span style="left: calc(var(--scale-factor)*236.51px); top: calc(var(--scale-factor)*492.75px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*238.61px); top: calc(var(--scale-factor)*492.75px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.930411);" role="presentation" dir="ltr">10 hours of</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*503.67px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.922359);" role="presentation" dir="ltr">our time in ensuring you have been provided with</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*514.59px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.916822);" role="presentation" dir="ltr">comprehensive advice. Following notification that we have</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*525.39px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.934083);" role="presentation" dir="ltr">completed our report,</span><span style="left: calc(var(--scale-factor)*133.44px); top: calc(var(--scale-factor)*525.39px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*135.50px); top: calc(var(--scale-factor)*525.39px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.90425);" role="presentation" dir="ltr">we believe 25 working days is a</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*536.31px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.922414);" role="presentation" dir="ltr">reasonable expectation to present the report to you, allow you</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*547.23px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.921527);" role="presentation" dir="ltr">time to review the recommendations and finalise the</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*558.15px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.929048);" role="presentation" dir="ltr">implementation plan.</span></span><span class="markedContent" id="page23R_mcid34"><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*481.83px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.909595);" role="presentation" dir="ltr">In the event this timeframe is exceeded, Advice Plus at their</span><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*492.75px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.919065);" role="presentation" dir="ltr">sole discretion, retains the right to charge an administration</span><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*503.67px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.893987);" role="presentation" dir="ltr">fee of $500 (plus GST).</span></span><span class="markedContent" id="page23R_mcid35"><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*520.59px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.921335);" role="presentation" dir="ltr">Where the above</span><span style="left: calc(var(--scale-factor)*366.79px); top: calc(var(--scale-factor)*520.59px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">-</span><span style="left: calc(var(--scale-factor)*369.43px); top: calc(var(--scale-factor)*520.59px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.936677);" role="presentation" dir="ltr">mentioned remuneration options are not</span><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*531.39px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.912819);" role="presentation" dir="ltr">available, we may charge an hourly rate for providing financial</span><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*542.31px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.914017);" role="presentation" dir="ltr">advice. This will be clearly discussed with you prior to offering</span><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*553.23px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.906533);" role="presentation" dir="ltr">advice, should it be necessary</span></span><span class="markedContent" id="undefined"></span><span class="markedContent" id="page23R_mcid36"><br role="presentation"><span style="left: calc(var(--scale-factor)*50.40px); top: calc(var(--scale-factor)*575.10px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*165.62px); top: calc(var(--scale-factor)*575.10px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*280.85px); top: calc(var(--scale-factor)*575.10px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*396.07px); top: calc(var(--scale-factor)*575.10px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895537);" role="presentation" dir="ltr">________________________________</span><span style="left: calc(var(--scale-factor)*511.30px); top: calc(var(--scale-factor)*575.10px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.895575);" role="presentation" dir="ltr">_________</span></span><span class="markedContent" id="page23R_mcid37"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*596.32px); font-size: calc(var(--scale-factor)*9.00px); font-family: sans-serif; transform: scaleX(1.00048);" role="presentation" dir="ltr">Referral Fees</span></span><span class="markedContent" id="page23R_mcid38"><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*616.26px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.918611);" role="presentation" dir="ltr">When we refer you to another service provider such as a</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*627.06px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.913664);" role="presentation" dir="ltr">mortgage or fire and general broker, we may receive a</span><br role="presentation"><span style="left: calc(var(--scale-factor)*51.00px); top: calc(var(--scale-factor)*637.98px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.927687);" role="presentation" dir="ltr">payment from that provider if you proceed with their product</span></span><span class="markedContent" id="page23R_mcid39"><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*616.26px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.918807);" role="presentation" dir="ltr">or service. This payment is a portion of the normal</span><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*627.06px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.926451);" role="presentation" dir="ltr">remuneration received by the other provider and does not</span><br role="presentation"><span style="left: calc(var(--scale-factor)*303.05px); top: calc(var(--scale-factor)*637.98px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif; transform: scaleX(0.905114);" role="presentation" dir="ltr">create any extra cost to you.</span></span><span class="markedContent" id="undefined"></span><span class="markedContent" id="page23R_mcid40"></span><div class="endOfContent"></div></div><div class="annotationLayer" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 841.92px);" data-main-rotation="0"><section data-annotation-id="31R" style="left: 21.1248%; top: 25.4941%; width: 16.1476%; height: 1.29466%; z-index: 1;" class="linkAnnotation"><a data-element-id="31R" title="https://www.fma.govt.nz/" href="https://www.fma.govt.nz/" target="" rel="noopener noreferrer nofollow" id="pdfjs_internal_id_31R"></a></section><section data-annotation-id="25R" style="left: 80.817%; top: 93.0676%; width: 10.9823%; height: 2.71938%; z-index: 0;" class="linkAnnotation"><a data-element-id="25R" title="https://www.adviceplus.co.nz/" href="https://www.adviceplus.co.nz/" target="" rel="noopener noreferrer nofollow" id="pdfjs_internal_id_25R"></a></section></div><div class="annotationEditorLayer" tabindex="0" style="pointer-events: none; width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 841.92px);" data-main-rotation="0" hidden=""></div></div><div class="page" data-page-number="3" role="region" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 841.92px);" aria-label="Page 3"></div></div>
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