Disclosure Statement

This disclosure statement was prepared on: 02 February2020 (Version 15)

It is important that you read this document

This information will help you to choose a financial adviser that best suits your needs. It will also provide some useful information about the financial adviser that you choose.

What sort of Adviser am I?

I am a registered, but not authorised, financial adviser

I can give you advice about:

I am a specialist mortgage adviser and personal risk adviser and can provide you advice as well as transitional services relating to mortgages, life insurance, disability and medical insurance.

What should you do if something goes wrong?

If you have a problem, concern, or complaint about any part of my service, please contact my internal complaints scheme so that my internal complaints scheme can try to fix the problem.

You may contact our internal disputes service by telephoning 0800 365188, by email: info@ginkgo.co.nz, or in writing to PO Box 259289, Botany, Auckland 2163.

If your complaint is still not resolved to your satisfaction, or you decide not to use our internal complaints process, you can contact my independent external Disputes Resolution Scheme, Financial Dispute Resolution Service. This service is free to you and will help us resolve our issue through mediation or adjudication.

You can contact Financial Disputes Resolution Service at:

A. Freepost 231075, PO Box 2272, Wellington 6140
P. 0508 337 337
E. enquiries@fdrs.org.nz
W. www.fdrs.org.nz

How am I regulated by the Government?

You can check that I am a registered financial advisor at www.fspr.govt.nz

The Financial Markets Authority regulates financial Advisers. Contact the Financial Markets Authority for more information, including financial tips and warnings.

You can report information or complain about my conduct to the Financial Markets Authority, but in the event of a disagreement, you may choose to first use the dispute resolution procedures described above (under What should you do if something goes wrong?).

Declaration

I, Joyce HE, declare that, to the best of my knowledge and belief, the information contained in this disclosure statement is true and complete and complies with the disclosure requirements in the Financial Advisers Act 2008 and the financial advisers (Disclosure) Regulations 2010.

Signed