GJ Harkerss & Associates Limited is a Financial Advice Provider licenced by the Financial Markets Authority to provide regulated financial advice in New Zealand. Registration Number: FSP694071 Office Address: 4 Tussock Lane, Ferrymead, Christchurch 8023 Postal Address: 4 Tussock Lane, Ferrymead, Christchurch 8023 Telephone: 0800 467 873 Email Address: office@gjharkerss.associates T: 0800 467 873 E: office@gjharkerss.associates

GJ Harkerss & Associates provides regulated financial advice relating to - KiwiSaver Superannuation Workplace saving schemes Managed fund investments General financial advice and planning The main providers that we work with include Booster Investment Management Limited, Generate Investment Management Limited, Milford Private Wealth Limited and New Zealand Funds Management Limited.

GJ Harkerss & Associates does not provide advice on the following – Residential mortgages or commercial and rural lending Fire & general insurance, such as motor vehicle, home and contents, travel, pets, boats and caravans Personal risk insurance, such as life, mortgage repayment, income protection, trauma and TPD etc Business insurance, such as business asset cover, public liability, professional indemnity etc Accounting Taxation Legal Wills and Enduring Power of Attorney (EPA) We work with a network of professionals whom we can refer you to for specialist advice. In some instances we may receive a commission or an incentive from the professional concerned. Full details of any commissions or incentive will be provided to you at the time of any referral.

GJ Harkerss & Associates will receive payment from the provider that we place your business with once your application has been processed and accepted These payments vary between providers; however as a general guide they are – KiwiSaver, Managed funds, Superannuation and Investments: Upon the successful placement of your KiwiSaver, managed fund account or superannuation plan GJ Harkerss & Associates will receive an initial commission payment. The initial commission timeframes and amounts vary between providers and products. Full details of the initial commission payment will be provided in our written Statement of Advice document to you prior to your acceptance of our recommendations GJ Harkerss & Associates will also receive an ongoing service and administration fee each month that your KiwiSaver, managed fund, Superannuation is under our care. Full details of any ongoing service and administration fees will be provided in our written Statement of Advice document to you prior to your acceptance of our recommendations Other Fees and Expenses: GJ Harkerss & Associates offers a free initial consultation. Depending on requirements thereafter we may charge a fee for our service. All (or any) fees payable by you will be discussed and agreed upon in our initial free consultation and detailed in our Statement of Advice document to you.

GJ Harkerss & Associates, 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 that 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 https://www.fma.govt.nz/consumer/getting-advice/working-with-a-financial-adviser which outlines what you should expect from your advisor.

As a provider of professional advice services, we have a legislative obligation to act in the best interest of our clients when making recommendations. In providing advice to you, should any, actual or potential conflict of interest arise then we undertake to notify you so that you can assess our advice objectively, and according make an informed decision. GJ Harkerss & Associates (and its Advisors) receive commissions from product providers that we place business with. The amount of commission received is based on the amount of your investment balance. From time to time, product providers may also reward us for the overall business we provide to them. These rewards may be in the form of event tickets, hampers and gifts, or other incentives To ensure that our financial advisers prioritise our clients’ interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each client’s goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance program is undertaken annually by a reputable compliance adviser

GJ Harkerss & Associates Limited does not accept nor process any funds in house whatsoever. Any investment funds that you undertake are made by you directly to the financial institutions we place your business with. GJ Harkerss & Associates will supply you with the appropriate direct debit forms (if needed) in order for you to pay any regular investment payment; however it is solely your responsibility to ensure timely payment of the same. GJ Harkerss & Associates and its staff cannot be held responsible for any non-payment of any regular investment payments by you, directly to third parties.

It is important that you provide GJ Harkerss & Associates with accurate information during the information gathering phase of our service Incomplete or inaccurate information may lead to our inability to provide you with the advice or recommendations needed to ensure the best outcome for your circumstances. Always be truthful about your personal, financial and medical situation. If you are unsure as to why we require certain information or you feel uncomfortable about certain aspects of this process, please do not hesitate to tell us so that we can explain or find a solution

As a financial advisory company we are required by law (Anti-Money Laundering and Countering Financing of Terrorism Act 2009) to positively identify our clients prior to engaging in the offering of financial advice and the placement of any financial services product/s As a matter of compliance (customer due diligence) we will request and collect your personal information (including photo identification and official documentation that confirms your residential address) at the time of our first meeting so that we may provide you with the products and services you require This information is held at our office. If at any time you wish to have access to, or correct any of, the information obtained with your permission, please contact us We may be allowed or obliged to disclose information by law, e.g. under court orders or statutory notices pursuant to taxation laws. We may also disclose personal/business information to other financial institutions and organisations at their request if you seek to obtain products and/or services for them. Personal/business information may also be disclosed to: Professionals including but not limited to solicitors, accountants, mortgage brokers, insurance brokers, and stockbrokers when a referral is required, at your request The Financial Markets Authority and/or any other regulatory body as required for audit purposes; and If we intend to sell our business, any prospective purchaser of our business. From time to time, this information may be updated and/or changed and we undertake to advise you of material changes to any of the items and/or products / services noted above by e-mail and/or mail

The Privacy Act 2020 The Privacy Act gives you the right to request access to, and correction of your personal information at any time. All information provided by you or any authorised agent, will be used by GJ Harkerss & Associates and any members of our staff for the purpose of providing advice to you and may also be used by any product or service provider when implementing any of our recommendations or variations thereof,- compliance advisors, assessors or by any claims investigators who may need access to such information; and other professionals such as solicitors, accountants, finance brokers, financial planners when such services are required to complement this advice and as requested by you Confidentiality The personal information gathered by GJ Harkerss & Associates about you and your family is classed as personal and will be kept confidential by GJ Harkerss & Associates and the Advisor at all times: This confidential information may include: our fact find document, your personal credit file, your investment risk profile, and any personal investment requirements including all discussions and recommendations Storage of your Information The information will be held by us, at the offices of GJ Harkerss & Associates detailed in the Advisors Disclosure Statement and will be in paper format until the completion of your business. All paper information will then be scanned and transferred to electronic files and held remotely in secure electronic storage systems. Once the transfer procedure is complete, your paper files will be confidentially destroyed by way of shredding

Making a Complaint If you are not satisfied with our financial advice service you can make a complaint by emailing office@gjharkerss.associates, or by calling: 0800 467 873. You can also lodge a complaint directly here, from our website or write to us at 4 Tussock Lane, Ferrymead, Christchurch 8023 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 14 working days of receiving them. If we can’t, 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 can’t resolve your complaint, or you aren’t satisfied with the way we propose to do so, you can contact: Insurance & Financial Services Ombudsman Scheme Level 2, Solnet House, 70 The Terrace, Wellington. PO Box 10-845, Wellington 6143 Website: www.ifso.nz Telephone number: 0800 888 202 Email: info@ifso.nz Insurance & Financial Services Ombudsman Scheme provides a free, independent dispute resolution service that may help investigate or resolve your complaint, if we haven’t been able to resolve your complaint to your satisfaction. You can contact Insurance & Financial Services Ombudsman scheme Inc. by emailing info@ifso.nz, or by calling: 0800 888 202