Adviser Disclosure Statement

ADVISER DISCLOSURE STATEMENT

1. ABOUT ME Email address; [email protected]

Name of adviser: Merv Clearwater FSP number: FSP164604 Company name: Merv Clearwater Insurance Trading name: Mortgage Link Ensure 7. PROFESSIONAL INDEMNITY INSURANCE Physical address: 116 Lower Stuart Street I am covered under a professional indemnity insurance Postal address: PO Box 5806 Dunedin policy through Lumley Insurance. This policy includes the Phone: 03 425 0750 or Cell 0274 339689 following covers: professional indemnity, public liability, Email: [email protected] employer’s liability and statutory liability. This policy applies when I act in my professional capacity as a financial adviser. This disclosure statement is current as at As with all insurances, these covers have limitations and are 01/04/2015 subject to certain exclusions, terms and conditions.

2.INTRODUCTION 8. HOW AM I REGULATED BY THE GOVERNMENT? This document complies with the disclosure requirements under the Financial Advisers Act 2008 (Act) and sets out the You can check that I am a registered financial services disclosure required to be made in relation to your financial provider at http://www.fspr.govt.nz. The Financial Markets adviser. Authority (FMA) authorises and regulates financial advisers. Contact the FMA for more information, including financial tips 3. IT IS IMPORTANT THAT YOU READ THIS and warnings. DOCUMENT You can report on or complain about my conduct to the FMA This information will help you to choose a financial adviser but in the event of a disagreement, you may first use the that best suits your needs. It will also provide some useful dispute resolution procedures described above (under what information about the financial adviser that you choose. should you do if something goes wrong?).

4. WHAT SORT OF ADVISER AM I? 9. DECLARATION I am a registered, but not authorised, financial adviser. I Mervyn James Clearwater………………………………… 5. PRODUCTS AND SERVICES OFFFERED: declare to the best of my knowledge and belief, the  Mortgage repayment information contained in this disclosure statement is true insurance and complete and complies with the disclosure requirements  Life insurance of the Financial Advisers Act 2008 and incorporates the minimum standards disclosure requirements of Mortgage  Trauma insurance Link’s ethics and standards.

 Income insurance Dated: 01/04/2015  Business insurance Full Name: Mervyn James Clearwater  Medical insurance Signature: ______ Review services

10. CLIENT ACKNOWLEDGEMENT 6. WHAT SHOULD YOU DO IF SOMETHING GOES WRONG? I /we acknowledge receipt of the Disclosure Statement of If you have a problem, concern, or complaint about any part Merv Clearwater Insurance Version 1, 01/04/2015 of my service, please tell me in the first instance. Full Name: If your complaint is still not resolved to your satisfaction, or you decide not to use the internal complaints procedure, you Signature: ______can contact my External Disputes Resolution Scheme. This service will cost you nothing, and will help us resolve any disagreements. Dated:

You can contact Financial Disputes Resolution at:

Address: PO Box 5730 Wellington Full Name: Telephone number: 0508 337 337 1 Signature: ______Dated: