When Giving Advice

FEES OR EXPENSES

I WILL NOT charge a fee for the financial advice I provide to you

CONFLICTS OF INTEREST

I receive commissions from the relevant insurance company if you take out insurance following my advice. The commissions are between 25% and 170% of the first year’s premiums of your policy - The amount depends on which insurance company and which insurance policy you choose.

I also receive a commission of between 5% and 10% of the premium for each year the policy remains in force.

In addition, Cohorts Ltd receives commission of between 0% and 20% of the first year’s premiums of your policy, depending on which policy you choose.

To ensure that I prioritise your interests above my own, I follow an advice process that ensures my recommendations are made on the basis of your individual goals and circumstances. I complete annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme is undertaken annually by a reputable adviser.

COMPLAINTS HANDLING AND DISPUTE RESOLUTION

If you are not satisfied with our financial advice service, you can make a complaint by emailing: moira@cohorts.nz or by calling 021 944 809. You can also write to us at 73 Brougham St, New Plymouth 4310.

When we receive a complaint, we will consider it following our internal complaints process:

• We will consider your complaint and let you know how we intend to resolve it. We may need to contact you to get further information about your complaint.
• We aim to resolve complaints within 10 working days or receiving them. If we cannot, we will contact you within that time to let you know we need more time to consider your complaint.
• We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so.

If we cannot resolve your complaint, or you are not satisfied with the way we propose to do so, you can contact Financial Services Complaints Ltd. (FSCL)

FSCL provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we have not been able to resolve your complaint to your satisfaction.

Contact details for Financial Services Complaints Ltd by emailing: complaints@fscl.org.nz or by free calling: 0800 347 257 or 04 472 3725. You can also write to them at: PO Box 5967 Lambton Quay Wellington 6140

CONFLICTS OF INTEREST

I receive commissions from the relevant insurance company if you take out insurance following my advice. The commissions are between 25% and 170% of the first year’s premiums of your policy - The amount depends on which insurance company and which insurance policy you choose.

I also receive a commission of between 5% and 10% of the premium for each year the policy remains in force.

In addition, Cohorts Ltd receives commission of between 0% and 20% of the first year’s premiums of your policy, depending on which policy you choose.

To ensure that I prioritise your interests above my own, I follow an advice process that ensures my recommendations are made on the basis of your individual goals and circumstances. I complete annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme is undertaken annually by a reputable adviser.

COMPLAINTS HANDLING AND DISPUTE RESOLUTION

If you are not satisfied with our financial advice service, you can make a complaint by emailing: moira@cohort.nz or by calling 021 944 809. You can also write to us at 73 Brougham St, New Plymouth 4310.

When we receive a complaint, we will consider it following our internal complaints process:

• We will consider your complaint and let you know how we intend to resolve it. We may need to contact you to get further information about your complaint.
• We aim to resolve complaints within 10 working days or receiving them. If we cannot, we will contact you within that time to let you know we need more time to consider your complaint.
• We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so.

If we cannot resolve your complaint, or you are not satisfied with the way we propose to do so, you can contact Financial Services Complaints Ltd. (FSCL)

FSCL provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we have not been able to resolve your complaint to your satisfaction.

Contact details for Financial Services Complaints Ltd by emailing: complaints@fscl.org.nz or by free calling: 0800 347 257 or 04 472 3725. You can also write to them at: PO Box 5967 Lambton Quay Wellington 6140

DUTIES INFORMATION

Cohorts Ltd and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice.

We are required to:

• give priority to your interests by taking all reasonable steps to make sure our advice isn’t materially influenced by our own interests
• exercise care, diligence, and skill in providing you with advice
• meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice)
• meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should and give you suitable advice).

This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at www.fma.govt.nz

IDENTIFYING INFORMATION

I am a financial adviser (FSP 702571), and I am giving advice on behalf of Cohorts Ltd.

My details are: Moira George - mobile: 021 944 809 - email: moira@cohorts.nz - address 73 Brougham St New Plymouth 4312.

AVAILABILITY OF INFORMATION

The information I have discussed with you is always given in writing.