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<div id="viewer" class="pdfViewer" style="--scale-factor: 1.6666666666666665;" lang="en-NZ"><div class="page" data-page-number="1" role="region" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" aria-label="Page 1" data-loaded="true"><div class="canvasWrapper"><canvas role="presentation" style="width: 993px; height: 1404px;" width="993" height="1404"><span class="structTree"><span><span aria-owns="page3R_mcid0"></span><span role="figure" aria-owns="page3R_mcid23"></span><span aria-owns="page3R_mcid1"></span><span aria-owns="page3R_mcid2"></span><span aria-owns="page3R_mcid3"></span><span aria-owns="page3R_mcid4"></span><span aria-owns="page3R_mcid5"></span><span role="heading" aria-level="1" aria-owns="page3R_mcid6"></span><span role="heading" aria-level="2" aria-owns="page3R_mcid7"></span><span role="heading" aria-level="2" aria-owns="page3R_mcid8"></span><span role="heading" aria-level="2" aria-owns="page3R_mcid9"></span><span role="heading" aria-level="2" aria-owns="page3R_mcid10"></span><span role="heading" aria-level="2" aria-owns="page3R_mcid11"></span><span role="heading" aria-level="2" aria-owns="page3R_mcid12"></span><span aria-owns="page3R_mcid13"></span><span role="heading" aria-level="1" aria-owns="page3R_mcid14"></span><span aria-owns="page3R_mcid15"></span><span role="heading" aria-level="2" aria-owns="page3R_mcid16"></span><span role="heading" aria-level="3"><span aria-owns="page3R_mcid17"></span><span role="link"><span aria-owns="25R"></span><span aria-owns="page3R_mcid18"></span></span><span aria-owns="page3R_mcid19"></span></span><span role="heading" aria-level="3" aria-owns="page3R_mcid20"></span><span role="heading" aria-level="2" aria-owns="page3R_mcid21"></span><span role="heading" aria-level="2" aria-owns="page3R_mcid22"></span></span></span></canvas></div><div class="textLayer" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" data-main-rotation="0"><span class="markedContent"></span><span class="markedContent"></span><span class="markedContent"></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"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*110.58px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(1.02055);" role="presentation" dir="ltr">TERMS OF BUSINESS</span></span><span class="markedContent" id="page3R_mcid4"></span><span class="markedContent" id="page3R_mcid5"></span><span class="markedContent" id="page3R_mcid6"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*146.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.998683);" role="presentation" dir="ltr">1.</span><span style="left: calc(var(--scale-factor)*63.36px); top: calc(var(--scale-factor)*146.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*146.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.999062);" role="presentation" dir="ltr">Agreement</span></span><span class="markedContent" id="page3R_mcid7"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">1.1</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.890457);" role="presentation" dir="ltr">Should you appoint</span><span style="left: calc(var(--scale-factor)*182.47px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*186.26px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(1.03255);" role="presentation" dir="ltr">Provincial Insurance Brokers Limited</span><span style="left: calc(var(--scale-factor)*373.10px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*376.75px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">(</span><span style="left: calc(var(--scale-factor)*380.59px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">“</span><span style="left: calc(var(--scale-factor)*384.55px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.915302);" role="presentation" dir="ltr">we, us</span><span style="left: calc(var(--scale-factor)*414.07px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">”</span><span style="left: calc(var(--scale-factor)*418.03px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">)</span><span style="left: calc(var(--scale-factor)*421.84px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*425.47px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.903326);" role="presentation" dir="ltr">as your broker</span><span style="left: calc(var(--scale-factor)*490.42px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*494.14px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.902868);" role="presentation" dir="ltr">we will act</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*201.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.863273);" role="presentation" dir="ltr">in</span><span style="left: calc(var(--scale-factor)*104.34px); top: calc(var(--scale-factor)*201.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*107.18px); top: calc(var(--scale-factor)*201.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883747);" role="presentation" dir="ltr">accordance with the terms of this agreement. By allowing us to continue to act as your broker you</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*219.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.885285);" role="presentation" dir="ltr">agree to be bound by the terms of this agreement.</span></span><span class="markedContent" id="page3R_mcid8"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">1.2</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883435);" role="presentation" dir="ltr">This agreement sets out the terms and conditions</span><span style="left: calc(var(--scale-factor)*316.39px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*319.97px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.876486);" role="presentation" dir="ltr">(“the terms”)</span><span style="left: calc(var(--scale-factor)*378.19px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*381.55px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.889918);" role="presentation" dir="ltr">on which we will provide</span><span style="left: calc(var(--scale-factor)*490.25px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*493.66px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.844546);" role="presentation" dir="ltr">all</span><span style="left: calc(var(--scale-factor)*503.49px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*506.74px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.853888);" role="presentation" dir="ltr">services</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884055);" role="presentation" dir="ltr">to y</span><span style="left: calc(var(--scale-factor)*113.30px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883684);" role="presentation" dir="ltr">ou</span><span style="left: calc(var(--scale-factor)*124.34px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.887576);" role="presentation" dir="ltr">, unless we agree</span><span style="left: calc(var(--scale-factor)*201.88px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*205.13px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.872598);" role="presentation" dir="ltr">otherwise</span><span style="left: calc(var(--scale-factor)*247.67px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*250.85px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.878509);" role="presentation" dir="ltr">in writing</span><span style="left: calc(var(--scale-factor)*291.89px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page3R_mcid9"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">1.3</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.874249);" role="presentation" dir="ltr">As your insurance broker we act as your representative regarding arranging insurance on your behalf.</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.886113);" role="presentation" dir="ltr">In addition, if requested, w</span><span style="left: calc(var(--scale-factor)*214.97px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">e</span><span style="left: calc(var(--scale-factor)*220.21px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*223.01px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.858241);" role="presentation" dir="ltr">may</span><span style="left: calc(var(--scale-factor)*241.63px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*244.37px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.870792);" role="presentation" dir="ltr">make recommendations and</span><span style="left: calc(var(--scale-factor)*368.43px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*371.47px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871334);" role="presentation" dir="ltr">provide</span><span style="left: calc(var(--scale-factor)*404.05px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*406.87px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.879484);" role="presentation" dir="ltr">you with</span><span style="left: calc(var(--scale-factor)*444.31px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*447.07px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.878376);" role="presentation" dir="ltr">our opinion</span><span style="left: calc(var(--scale-factor)*496.53px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*499.42px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.876008);" role="presentation" dir="ltr">regarding</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*309.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.906032);" role="presentation" dir="ltr">potential insurers based on your requirements however the final choice of insurer will remain your</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.885464);" role="presentation" dir="ltr">responsibility.</span></span><span class="markedContent" id="page3R_mcid10"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*346.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">1.4</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*346.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*346.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.873617);" role="presentation" dir="ltr">These terms apply until they are varied by agreement in writing between us, or until our appointment</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.862286);" role="presentation" dir="ltr">is cancelled.</span><span style="left: calc(var(--scale-factor)*149.75px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*155.66px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">W</span><span style="left: calc(var(--scale-factor)*164.66px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.869851);" role="presentation" dir="ltr">e may vary th</span><span style="left: calc(var(--scale-factor)*225.17px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.874675);" role="presentation" dir="ltr">e services we provide you from time to time,</span><span style="left: calc(var(--scale-factor)*420.69px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*423.91px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883684);" role="presentation" dir="ltr">on</span><span style="left: calc(var(--scale-factor)*434.87px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*437.71px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.874328);" role="presentation" dir="ltr">providing</span><span style="left: calc(var(--scale-factor)*478.51px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*481.42px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.877813);" role="presentation" dir="ltr">notice to you.</span></span><span class="markedContent" id="page3R_mcid11"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">1.5</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.881568);" role="presentation" dir="ltr">These terms are in addition to any other terms we may</span><span style="left: calc(var(--scale-factor)*339.51px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*342.91px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.872154);" role="presentation" dir="ltr">agree</span><span style="left: calc(var(--scale-factor)*367.81px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*370.87px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.877466);" role="presentation" dir="ltr">from time to time</span><span style="left: calc(var(--scale-factor)*447.91px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span><span style="left: calc(var(--scale-factor)*450.93px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*457.03px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.893438);" role="presentation" dir="ltr">In the event of any</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*400.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.891854);" role="presentation" dir="ltr">inconsistency between these terms and such additional terms, the additional terms w</span><span style="left: calc(var(--scale-factor)*479.14px); top: calc(var(--scale-factor)*400.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.885239);" role="presentation" dir="ltr">ill prevail over</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*418.53px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871959);" role="presentation" dir="ltr">these terms</span><span style="left: calc(var(--scale-factor)*148.58px); top: calc(var(--scale-factor)*418.53px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page3R_mcid12"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">1.6</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.914175);" role="presentation" dir="ltr">You will be taken to have accep</span><span style="left: calc(var(--scale-factor)*240.05px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">t</span><span style="left: calc(var(--scale-factor)*243.41px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.906507);" role="presentation" dir="ltr">ed th</span><span style="left: calc(var(--scale-factor)*266.81px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.915867);" role="presentation" dir="ltr">e terms of th</span><span style="left: calc(var(--scale-factor)*325.73px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.892568);" role="presentation" dir="ltr">is agreement by continuing to instruct</span><span style="left: calc(var(--scale-factor)*496.26px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*500.26px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.866087);" role="presentation" dir="ltr">us</span><span style="left: calc(var(--scale-factor)*510.22px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*513.94px); top: calc(var(--scale-factor)*436.65px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.864553);" role="presentation" dir="ltr">unless</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.888506);" role="presentation" dir="ltr">we</span><span style="left: calc(var(--scale-factor)*109.18px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*112.34px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.881949);" role="presentation" dir="ltr">otherwise agreed in writing.</span></span><span class="markedContent" id="page3R_mcid13"></span><span class="markedContent" id="page3R_mcid14"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.998683);" role="presentation" dir="ltr">2.</span><span style="left: calc(var(--scale-factor)*63.36px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.991256);" role="presentation" dir="ltr">Services</span></span><span class="markedContent" id="page3R_mcid15"></span><span class="markedContent" id="page3R_mcid16"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*527.15px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">2.1</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*527.15px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*527.15px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.891442);" role="presentation" dir="ltr">We are members of</span><span style="left: calc(var(--scale-factor)*183.74px); top: calc(var(--scale-factor)*527.15px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">:</span></span><span class="markedContent" id="page3R_mcid17"><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*545.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.932762);" role="presentation" dir="ltr">(a)</span><span style="left: calc(var(--scale-factor)*109.43px); top: calc(var(--scale-factor)*545.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*138.98px); top: calc(var(--scale-factor)*545.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.955911);" role="presentation" dir="ltr">The Insurance Brokers Association of New Zealand Inc.</span><span style="left: calc(var(--scale-factor)*400.46px); top: calc(var(--scale-factor)*545.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*406.39px); top: calc(var(--scale-factor)*545.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.921706);" role="presentation" dir="ltr">(IBANZ)</span><span style="left: calc(var(--scale-factor)*442.03px); top: calc(var(--scale-factor)*545.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.958734);" role="presentation" dir="ltr">, a professional body</span><br role="presentation"><span style="left: calc(var(--scale-factor)*138.98px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.887499);" role="presentation" dir="ltr">representing the interests of member insurance brokers,</span><span style="left: calc(var(--scale-factor)*389.74px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*393.55px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.895609);" role="presentation" dir="ltr">and subscribe to the IBANZ Code</span><br role="presentation"><span style="left: calc(var(--scale-factor)*138.98px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.875957);" role="presentation" dir="ltr">of Practice</span><span style="left: calc(var(--scale-factor)*184.99px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*188.18px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.881975);" role="presentation" dir="ltr">which</span><span style="left: calc(var(--scale-factor)*213.76px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*216.89px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.885658);" role="presentation" dir="ltr">can be found at</span></span><span class="markedContent" id="page3R_mcid18"><span style="left: calc(var(--scale-factor)*286.28px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*289.49px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.900596);" dir="ltr" aria-owns="pdfjs_internal_id_25R">www.ibanz.org.nz</span></span><span class="markedContent" id="page3R_mcid19"></span><span class="markedContent" id="page3R_mcid20"><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.935165);" role="presentation" dir="ltr">(b)</span><span style="left: calc(var(--scale-factor)*109.67px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*138.98px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.865704);" role="presentation" dir="ltr">Steadfast</span><span style="left: calc(var(--scale-factor)*180.07px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*189.09px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.860594);" role="presentation" dir="ltr">NZ</span><span style="left: calc(var(--scale-factor)*201.37px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*210.53px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.861376);" role="presentation" dir="ltr">Limited</span><span style="left: calc(var(--scale-factor)*242.52px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*251.57px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884732);" role="presentation" dir="ltr">(Steadfast)</span><span style="left: calc(var(--scale-factor)*300.53px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">,</span><span style="left: calc(var(--scale-factor)*303.55px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*312.53px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.877854);" role="presentation" dir="ltr">which</span><span style="left: calc(var(--scale-factor)*337.99px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*346.99px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871334);" role="presentation" dir="ltr">provide</span><span style="left: calc(var(--scale-factor)*379.75px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">s</span><span style="left: calc(var(--scale-factor)*384.19px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*393.19px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.866087);" role="presentation" dir="ltr">us</span><span style="left: calc(var(--scale-factor)*403.15px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*412.25px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.881403);" role="presentation" dir="ltr">with</span><span style="left: calc(var(--scale-factor)*430.87px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*439.87px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.870239);" role="presentation" dir="ltr">technology</span><span style="left: calc(var(--scale-factor)*487.98px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*497.05px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.876071);" role="presentation" dir="ltr">platforms,</span><br role="presentation"><span style="left: calc(var(--scale-factor)*138.98px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.86549);" role="presentation" dir="ltr">management</span><span style="left: calc(var(--scale-factor)*196.82px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884672);" role="presentation" dir="ltr">, marketing,</span><span style="left: calc(var(--scale-factor)*250.09px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*253.25px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.875539);" role="presentation" dir="ltr">professional, technical and</span><span style="left: calc(var(--scale-factor)*370.38px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*373.63px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.869151);" role="presentation" dir="ltr">buying</span><span style="left: calc(var(--scale-factor)*403.11px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*406.27px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.873704);" role="presentation" dir="ltr">benefits and</span><span style="left: calc(var(--scale-factor)*460.56px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*463.75px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.853888);" role="presentation" dir="ltr">services</span><span style="left: calc(var(--scale-factor)*498.64px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*501.94px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871695);" role="presentation" dir="ltr">support</span><span style="left: calc(var(--scale-factor)*535.30px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page3R_mcid21"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">2.2</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.887882);" role="presentation" dir="ltr">Our</span><span style="left: calc(var(--scale-factor)*112.70px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*115.82px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.866613);" role="presentation" dir="ltr">services are</span><span style="left: calc(var(--scale-factor)*167.92px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*171.14px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.881317);" role="presentation" dir="ltr">limited to the provision of insurance broking</span><span style="left: calc(var(--scale-factor)*365.95px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">,</span><span style="left: calc(var(--scale-factor)*368.97px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*372.07px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.869115);" role="presentation" dir="ltr">risk management</span><span style="left: calc(var(--scale-factor)*448.27px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*451.63px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.869971);" role="presentation" dir="ltr">and</span><span style="left: calc(var(--scale-factor)*467.92px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*471.10px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.862569);" role="presentation" dir="ltr">financial</span><span style="left: calc(var(--scale-factor)*507.41px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*510.58px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.863441);" role="presentation" dir="ltr">advice.</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.914511);" role="presentation" dir="ltr">Under no circumstances do we or will we act as an insurer.</span><span style="left: calc(var(--scale-factor)*364.32px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*371.98px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.900764);" role="presentation" dir="ltr">Nor do we provide safety inspections,</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*672.02px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87917);" role="presentation" dir="ltr">valuations or advice on every potential hazard or threat to your business.</span></span><span class="markedContent" id="page3R_mcid22"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">2.3</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.869423);" role="presentation" dir="ltr">We cannot guarantee that all risks to your assets, person or business wi</span><span style="left: calc(var(--scale-factor)*409.51px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.8626);" role="presentation" dir="ltr">ll be covered</span><span style="left: calc(var(--scale-factor)*464.90px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*467.59px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.863216);" role="presentation" dir="ltr">by any insurance</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*708.26px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.887394);" role="presentation" dir="ltr">we arrange</span><span style="left: calc(var(--scale-factor)*146.55px); top: calc(var(--scale-factor)*708.26px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*150.02px); top: calc(var(--scale-factor)*708.26px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.888458);" role="presentation" dir="ltr">on your behalf</span><span style="left: calc(var(--scale-factor)*214.25px); top: calc(var(--scale-factor)*708.26px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span><span style="left: calc(var(--scale-factor)*217.27px); top: calc(var(--scale-factor)*708.26px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*224.05px); top: calc(var(--scale-factor)*708.26px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">Y</span><span style="left: calc(var(--scale-factor)*229.85px); top: calc(var(--scale-factor)*708.26px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884877);" role="presentation" dir="ltr">ou should carefully read all policies and other documentation we issue</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*726.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884771);" role="presentation" dir="ltr">so you understand what is or is not covered</span><span style="left: calc(var(--scale-factor)*290.21px); top: calc(var(--scale-factor)*726.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page3R_mcid23"></span><div class="endOfContent"></div></div><div class="annotationLayer" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" data-main-rotation="0"><section data-annotation-id="25R" style="left: 48.2463%; top: 68.7556%; width: 14.0278%; height: 2.15073%; z-index: 0;" class="linkAnnotation"><a data-element-id="25R" title="http://www.ibanz.org.nz/" href="http://www.ibanz.org.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) * 842.04px);" data-main-rotation="0" hidden=""></div></div><div class="page" data-page-number="2" role="region" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" aria-label="Page 2" data-loaded="true"><div class="canvasWrapper"><canvas role="presentation" style="width: 993px; height: 1404px;" width="993" height="1404"><span class="structTree"><span><span role="heading" aria-level="2" aria-owns="page27R_mcid0"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid1"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid2"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid3"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid4"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid5"></span><span aria-owns="page27R_mcid6"></span><span role="heading" aria-level="1" aria-owns="page27R_mcid7"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid8"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid9"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid10"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid11"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid12"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid13"></span><span role="heading" aria-level="2" aria-owns="page27R_mcid14"></span></span></span></canvas></div><div class="textLayer" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" data-main-rotation="0"><span class="markedContent"><span style="left: calc(var(--scale-factor)*287.69px); top: calc(var(--scale-factor)*37.96px); font-size: calc(var(--scale-factor)*12.00px); font-family: sans-serif;" role="presentation" dir="ltr">-</span><span style="left: calc(var(--scale-factor)*291.69px); top: calc(var(--scale-factor)*37.96px); font-size: calc(var(--scale-factor)*12.00px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*294.65px); top: calc(var(--scale-factor)*37.96px); font-size: calc(var(--scale-factor)*12.00px); font-family: sans-serif;" role="presentation" dir="ltr">2</span><span style="left: calc(var(--scale-factor)*300.65px); top: calc(var(--scale-factor)*37.96px); font-size: calc(var(--scale-factor)*12.00px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*303.65px); top: calc(var(--scale-factor)*37.96px); font-size: calc(var(--scale-factor)*12.00px); font-family: sans-serif;" role="presentation" dir="ltr">-</span></span><span class="markedContent"></span><span class="markedContent" id="page27R_mcid0"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*74.44px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">2.4</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*74.44px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*74.44px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.912327);" role="presentation" dir="ltr">We will make recommendations regarding insurers based on your requirements howev</span><span style="left: calc(var(--scale-factor)*491.14px); top: calc(var(--scale-factor)*74.44px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.926337);" role="presentation" dir="ltr">er the final</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*92.58px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.881213);" role="presentation" dir="ltr">choice of insurer will remain</span><span style="left: calc(var(--scale-factor)*219.70px); top: calc(var(--scale-factor)*92.58px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*222.89px); top: calc(var(--scale-factor)*92.58px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871378);" role="presentation" dir="ltr">your responsibility</span><span style="left: calc(var(--scale-factor)*302.93px); top: calc(var(--scale-factor)*92.58px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page27R_mcid1"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*110.70px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">2.5</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*110.70px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*110.70px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.899708);" role="presentation" dir="ltr">We will perform our services with reasonable</span><span style="left: calc(var(--scale-factor)*297.47px); top: calc(var(--scale-factor)*110.70px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*301.49px); top: calc(var(--scale-factor)*110.70px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.864862);" role="presentation" dir="ltr">care</span><span style="left: calc(var(--scale-factor)*320.21px); top: calc(var(--scale-factor)*110.70px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.880502);" role="presentation" dir="ltr">, diligence</span><span style="left: calc(var(--scale-factor)*365.39px); top: calc(var(--scale-factor)*110.70px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*369.19px); top: calc(var(--scale-factor)*110.70px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.902961);" role="presentation" dir="ltr">and skill, based on the needs that you</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*128.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.875863);" role="presentation" dir="ltr">have expressly advised us of</span><span style="left: calc(var(--scale-factor)*222.11px); top: calc(var(--scale-factor)*128.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*225.29px); top: calc(var(--scale-factor)*128.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.878824);" role="presentation" dir="ltr">together with</span><span style="left: calc(var(--scale-factor)*284.30px); top: calc(var(--scale-factor)*128.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*287.45px); top: calc(var(--scale-factor)*128.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.88126);" role="presentation" dir="ltr">the information you have provided.</span></span><span class="markedContent" id="page27R_mcid2"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*146.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">2.6</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*146.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*146.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.891796);" role="presentation" dir="ltr">We may</span><span style="left: calc(var(--scale-factor)*131.79px); top: calc(var(--scale-factor)*146.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*134.78px); top: calc(var(--scale-factor)*146.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.872588);" role="presentation" dir="ltr">provide you with assistance in placing and servicing overseas insurance, or the management</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.862862);" role="presentation" dir="ltr">of overseas risk</span><span style="left: calc(var(--scale-factor)*163.68px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*166.34px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.876352);" role="presentation" dir="ltr">and</span><span style="left: calc(var(--scale-factor)*182.75px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*185.42px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.860847);" role="presentation" dir="ltr">may engage the serv</span><span style="left: calc(var(--scale-factor)*276.89px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.862871);" role="presentation" dir="ltr">ices of</span><span style="left: calc(var(--scale-factor)*304.78px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*307.37px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">a</span><span style="left: calc(var(--scale-factor)*312.60px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*315.29px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871607);" role="presentation" dir="ltr">third</span><span style="left: calc(var(--scale-factor)*335.71px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">-</span><span style="left: calc(var(--scale-factor)*339.43px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.863074);" role="presentation" dir="ltr">party</span><span style="left: calc(var(--scale-factor)*362.13px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*364.75px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.865103);" role="presentation" dir="ltr">consultant</span><span style="left: calc(var(--scale-factor)*410.04px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*412.75px); top: calc(var(--scale-factor)*164.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.867196);" role="presentation" dir="ltr">to assist us with the provision</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.893288);" role="presentation" dir="ltr">of</span><span style="left: calc(var(--scale-factor)*104.48px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*107.54px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.865765);" role="presentation" dir="ltr">such services</span><span style="left: calc(var(--scale-factor)*165.86px); top: calc(var(--scale-factor)*183.06px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page27R_mcid3"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*201.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">2.7</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*201.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*201.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.863838);" role="presentation" dir="ltr">We make no representation or warranty concerning the solvency or ability of any insurer to pay claims.</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*219.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.943181);" role="presentation" dir="ltr">In New Zealand, i</span><span style="left: calc(var(--scale-factor)*177.98px); top: calc(var(--scale-factor)*219.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.925772);" role="presentation" dir="ltr">nsurers are required to comply with the</span><span style="left: calc(var(--scale-factor)*360.88px); top: calc(var(--scale-factor)*219.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*365.35px); top: calc(var(--scale-factor)*219.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.903407);" role="presentation" dir="ltr">provisions of</span><span style="left: calc(var(--scale-factor)*422.49px); top: calc(var(--scale-factor)*219.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*427.03px); top: calc(var(--scale-factor)*219.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.863119);" role="presentation" dir="ltr">the</span><span style="left: calc(var(--scale-factor)*441.13px); top: calc(var(--scale-factor)*219.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*445.39px); top: calc(var(--scale-factor)*219.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.903344);" role="presentation" dir="ltr">Insurance (Prudential</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.900993);" role="presentation" dir="ltr">Supervision) Act 2010 Financial Strength Rating.</span><span style="left: calc(var(--scale-factor)*313.15px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*317.33px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.924164);" role="presentation" dir="ltr">We</span><span style="left: calc(var(--scale-factor)*331.55px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*335.83px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.86764);" role="presentation" dir="ltr">will</span><span style="left: calc(var(--scale-factor)*350.10px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*354.07px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.911014);" role="presentation" dir="ltr">inform you of such ratings</span><span style="left: calc(var(--scale-factor)*473.22px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*477.34px); top: calc(var(--scale-factor)*237.42px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.904241);" role="presentation" dir="ltr">and the rating</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.849278);" role="presentation" dir="ltr">scale</span><span style="left: calc(var(--scale-factor)*117.74px); top: calc(var(--scale-factor)*255.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page27R_mcid4"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">2.8</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871947);" role="presentation" dir="ltr">We will negotiate with insurers on your behalf and will</span><span style="left: calc(var(--scale-factor)*331.94px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*335.11px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871233);" role="presentation" dir="ltr">use our</span><span style="left: calc(var(--scale-factor)*367.59px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*370.27px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.861443);" role="presentation" dir="ltr">best</span><span style="left: calc(var(--scale-factor)*388.83px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*391.63px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.867758);" role="presentation" dir="ltr">endeavours</span><span style="left: calc(var(--scale-factor)*442.45px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*445.27px); top: calc(var(--scale-factor)*273.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.865148);" role="presentation" dir="ltr">to ensure that policies</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*291.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.901576);" role="presentation" dir="ltr">and endorsements for insurance we place on your behalf are issued by your insurers promptly and</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*309.81px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.879347);" role="presentation" dir="ltr">correctly. These documents detail the precise terms and conditions relating to the insurance we have</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.875324);" role="presentation" dir="ltr">arranged for you and</span><span style="left: calc(var(--scale-factor)*188.83px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*191.66px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.873998);" role="presentation" dir="ltr">the informat</span><span style="left: calc(var(--scale-factor)*245.81px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.867081);" role="presentation" dir="ltr">ion contained in them is</span><span style="left: calc(var(--scale-factor)*350.11px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*352.99px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87288);" role="presentation" dir="ltr">important.</span><span style="left: calc(var(--scale-factor)*398.68px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*404.23px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.886166);" role="presentation" dir="ltr">You should carefully read</span><span style="left: calc(var(--scale-factor)*514.89px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*517.78px); top: calc(var(--scale-factor)*327.93px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.860968);" role="presentation" dir="ltr">these</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*346.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.879255);" role="presentation" dir="ltr">documents to confirm they meet your requirements, storing</span><span style="left: calc(var(--scale-factor)*360.47px); top: calc(var(--scale-factor)*346.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*363.91px); top: calc(var(--scale-factor)*346.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.8715);" role="presentation" dir="ltr">these documents</span><span style="left: calc(var(--scale-factor)*439.07px); top: calc(var(--scale-factor)*346.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*442.27px); top: calc(var(--scale-factor)*346.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.86035);" role="presentation" dir="ltr">safely</span><span style="left: calc(var(--scale-factor)*467.74px); top: calc(var(--scale-factor)*346.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page27R_mcid5"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">2.9</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.876952);" role="presentation" dir="ltr">Upon our receipt of premiums and related statutory charges from you, we will</span><span style="left: calc(var(--scale-factor)*436.78px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*439.99px); top: calc(var(--scale-factor)*364.17px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.870837);" role="presentation" dir="ltr">arrange for their timely</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.856504);" role="presentation" dir="ltr">dis</span><span style="left: calc(var(--scale-factor)*108.14px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.877746);" role="presentation" dir="ltr">bursement to the relevant insurers</span><span style="left: calc(var(--scale-factor)*261.05px); top: calc(var(--scale-factor)*382.29px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page27R_mcid6"></span><span class="markedContent" id="page27R_mcid7"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*418.53px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.998683);" role="presentation" dir="ltr">3.</span><span style="left: calc(var(--scale-factor)*63.36px); top: calc(var(--scale-factor)*418.53px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*418.53px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(1.01608);" role="presentation" dir="ltr">Remuneratio</span><span style="left: calc(var(--scale-factor)*161.54px); top: calc(var(--scale-factor)*418.53px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">n</span></span><span class="markedContent" id="page27R_mcid8"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">3.1</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">W</span><span style="left: calc(var(--scale-factor)*104.90px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.923663);" role="presentation" dir="ltr">e will be remunerated by commission from the insurer</span><span style="left: calc(var(--scale-factor)*355.18px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*360.07px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.92601);" role="presentation" dir="ltr">we place your policy with</span><span style="left: calc(var(--scale-factor)*477.22px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*481.90px); top: calc(var(--scale-factor)*454.67px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.89652);" role="presentation" dir="ltr">(this includes</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*472.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.878096);" role="presentation" dir="ltr">renewal</span><span style="left: calc(var(--scale-factor)*130.58px); top: calc(var(--scale-factor)*472.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">s</span><span style="left: calc(var(--scale-factor)*135.02px); top: calc(var(--scale-factor)*472.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*137.42px); top: calc(var(--scale-factor)*472.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.860525);" role="presentation" dir="ltr">and some variations). We may also charge you a fee</span><span style="left: calc(var(--scale-factor)*363.02px); top: calc(var(--scale-factor)*472.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*365.71px); top: calc(var(--scale-factor)*472.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884687);" role="presentation" dir="ltr">for</span><span style="left: calc(var(--scale-factor)*377.82px); top: calc(var(--scale-factor)*472.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*380.23px); top: calc(var(--scale-factor)*472.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.857842);" role="presentation" dir="ltr">implementing any advice we provide</span><span style="left: calc(var(--scale-factor)*538.66px); top: calc(var(--scale-factor)*472.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page27R_mcid9"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">3.2</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884664);" role="presentation" dir="ltr">The commission</span><span style="left: calc(var(--scale-factor)*167.53px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*171.26px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.885518);" role="presentation" dir="ltr">we receive</span><span style="left: calc(var(--scale-factor)*218.92px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*222.77px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.898224);" role="presentation" dir="ltr">is a percentage of the premium</span><span style="left: calc(var(--scale-factor)*364.04px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*367.99px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.886694);" role="presentation" dir="ltr">payable by you</span><span style="left: calc(var(--scale-factor)*435.78px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*439.51px); top: calc(var(--scale-factor)*490.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.88166);" role="presentation" dir="ltr">(excluding government</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*509.03px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883497);" role="presentation" dir="ltr">charges, levies and taxes). Some insurers may pay us more than others</span><span style="left: calc(var(--scale-factor)*413.11px); top: calc(var(--scale-factor)*509.03px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.888995);" role="presentation" dir="ltr">. The rate of commission can</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*527.15px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.880847);" role="presentation" dir="ltr">vary according to the type of insurance and cover provided and the way the transaction is arranged.</span></span><span class="markedContent" id="page27R_mcid10"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*545.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">3.3</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*545.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*545.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.872589);" role="presentation" dir="ltr">Where we arrange the placing and servicing of insurance overseas, our overseas representatives may</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.876471);" role="presentation" dir="ltr">also receive remuneration f</span><span style="left: calc(var(--scale-factor)*217.01px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883025);" role="presentation" dir="ltr">rom</span><span style="left: calc(var(--scale-factor)*234.37px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*237.53px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.869774);" role="presentation" dir="ltr">the relevant</span><span style="left: calc(var(--scale-factor)*290.24px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*293.45px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.874768);" role="presentation" dir="ltr">insurer</span><span style="left: calc(var(--scale-factor)*323.81px); top: calc(var(--scale-factor)*563.39px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page27R_mcid11"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">3.4</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.873583);" role="presentation" dir="ltr">If you wish us to</span><span style="left: calc(var(--scale-factor)*167.51px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*170.06px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.85752);" role="presentation" dir="ltr">provide services in addition to those</span><span style="left: calc(var(--scale-factor)*325.55px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*328.13px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.867683);" role="presentation" dir="ltr">already</span><span style="left: calc(var(--scale-factor)*360.39px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*362.83px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.872893);" role="presentation" dir="ltr">agreed</span><span style="left: calc(var(--scale-factor)*393.31px); top: calc(var(--scale-factor)*581.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.859085);" role="presentation" dir="ltr">, we may charge you an additional</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.880773);" role="presentation" dir="ltr">fee.</span><span style="left: calc(var(--scale-factor)*113.18px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*119.41px); top: calc(var(--scale-factor)*599.51px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.881001);" role="presentation" dir="ltr">Such additional fees will be agreed with you prior to us undertaking those services.</span></span><span class="markedContent" id="page27R_mcid12"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">3.5</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.924164);" role="presentation" dir="ltr">We</span><span style="left: calc(var(--scale-factor)*110.13px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*114.62px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.858241);" role="presentation" dir="ltr">may</span><span style="left: calc(var(--scale-factor)*133.24px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*137.66px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.920135);" role="presentation" dir="ltr">pay a</span><span style="left: calc(var(--scale-factor)*163.03px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*167.54px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.876546);" role="presentation" dir="ltr">referral</span><span style="left: calc(var(--scale-factor)*199.55px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*204.05px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.955826);" role="presentation" dir="ltr">fee to a</span><span style="left: calc(var(--scale-factor)*240.65px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.859021);" role="presentation" dir="ltr">ny</span><span style="left: calc(var(--scale-factor)*251.13px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*255.53px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.937362);" role="presentation" dir="ltr">party who has referred you to us</span><span style="left: calc(var(--scale-factor)*408.67px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.954001);" role="presentation" dir="ltr">. This will be paid</span><span style="left: calc(var(--scale-factor)*491.25px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*495.82px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.942057);" role="presentation" dir="ltr">out of the</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.868978);" role="presentation" dir="ltr">commission received</span><span style="left: calc(var(--scale-factor)*187.28px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*190.82px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.892211);" role="presentation" dir="ltr">by us</span><span style="left: calc(var(--scale-factor)*214.79px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*218.45px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883805);" role="presentation" dir="ltr">from</span><span style="left: calc(var(--scale-factor)*238.93px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*242.45px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.863119);" role="presentation" dir="ltr">the</span><span style="left: calc(var(--scale-factor)*256.55px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*260.09px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.88594);" role="presentation" dir="ltr">insurer and</span><span style="left: calc(var(--scale-factor)*310.20px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*313.73px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.860479);" role="presentation" dir="ltr">any</span><span style="left: calc(var(--scale-factor)*329.48px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*333.05px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.903716);" role="presentation" dir="ltr">fee you pay us. We may also</span><span style="left: calc(var(--scale-factor)*462.48px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*466.15px); top: calc(var(--scale-factor)*635.78px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883479);" role="presentation" dir="ltr">receive a referral</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.886229);" role="presentation" dir="ltr">fee if we refer you to another party that performs</span><span style="left: calc(var(--scale-factor)*314.94px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*318.29px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.865281);" role="presentation" dir="ltr">additional</span><span style="left: calc(var(--scale-factor)*361.08px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*364.27px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.853888);" role="presentation" dir="ltr">services</span><span style="left: calc(var(--scale-factor)*399.16px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*402.31px); top: calc(var(--scale-factor)*653.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.89588);" role="presentation" dir="ltr">for you.</span></span><span class="markedContent" id="page27R_mcid13"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*672.02px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">3.6</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*672.02px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*672.02px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.932603);" role="presentation" dir="ltr">If we</span><span style="left: calc(var(--scale-factor)*118.22px); top: calc(var(--scale-factor)*672.02px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.8762);" role="presentation" dir="ltr">, on instruction,</span><span style="left: calc(var(--scale-factor)*186.70px); top: calc(var(--scale-factor)*672.02px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*189.50px); top: calc(var(--scale-factor)*672.02px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87303);" role="presentation" dir="ltr">arrange premium funding for you, we may earn a commission from the premium</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.879748);" role="presentation" dir="ltr">funder. This is usually calculated as a percentage of the</span><span style="left: calc(var(--scale-factor)*340.79px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*344.11px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.876042);" role="presentation" dir="ltr">amount funded</span><span style="left: calc(var(--scale-factor)*411.19px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span><span style="left: calc(var(--scale-factor)*414.21px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*417.19px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.897583);" role="presentation" dir="ltr">The</span><span style="left: calc(var(--scale-factor)*433.81px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*436.87px); top: calc(var(--scale-factor)*690.14px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87617);" role="presentation" dir="ltr">details of your premium</span><br role="presentation"><span style="left: calc(var(--scale-factor)*95.90px); top: calc(var(--scale-factor)*708.26px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883728);" role="presentation" dir="ltr">funding arrangement will be set out in your separate agreement with the premium funder.</span></span><span class="markedContent" id="page27R_mcid14"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.88px); top: calc(var(--scale-factor)*726.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87575);" role="presentation" dir="ltr">3.7</span><span style="left: calc(var(--scale-factor)*67.73px); top: calc(var(--scale-factor)*726.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*726.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.895521);" role="presentation" dir="ltr">We reserve the right to set off any outstanding sums that you owe us in connection to any</span><span style="left: calc(var(--scale-factor)*500.58px); top: calc(var(--scale-factor)*726.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*504.58px); top: calc(var(--scale-factor)*726.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.856676);" role="presentation" dir="ltr">policy</span><span style="left: calc(var(--scale-factor)*529.69px); top: calc(var(--scale-factor)*726.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*533.14px); top: calc(var(--scale-factor)*726.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.893288);" role="presentation" dir="ltr">of</span><br role="presentation"><span style="left: calc(var(--scale-factor)*96.50px); top: calc(var(--scale-factor)*744.50px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883129);" role="presentation" dir="ltr">insurance, from any money we receive on your</span><span style="left: calc(var(--scale-factor)*304.03px); top: calc(var(--scale-factor)*744.50px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*307.37px); top: calc(var(--scale-factor)*744.50px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.880215);" role="presentation" dir="ltr">behalf in relation to that insurance.</span></span><div class="endOfContent"></div></div><div class="annotationLayer" hidden=""></div><div class="annotationEditorLayer" tabindex="0" style="pointer-events: none; width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" 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) * 842.04px);" aria-label="Page 3"></div><div class="page" data-page-number="4" role="region" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" aria-label="Page 4"></div><div class="page" data-page-number="5" role="region" style="width: calc(var(--scale-factor) * 595.32px); 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